ICICI Prudential Retirement Fund Pure Equity Plan
ICICI Prudential Mutual Fund · Retirement · Direct plan, growth option
NAV (₹), 1 Oct 2026
37.4400
1-day change
-1.03%
1Y return
4.3%
3Y CAGR
18.5%
5Y CAGR
18.0%
Max drawdown, 5Y
−16.9%
NAV history month-end NAV, ₹ · 28 Feb 2019 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.4% | -4.4% |
| 3 months | -3.6% | -2.3% |
| 6 months | 7.8% | 5.3% |
| Year to date | -1.2% | -1.7% |
| 1 year | 4.3% | 0.8% |
| 3 years (CAGR) | 18.5% | 8.2% |
| 5 years (CAGR) | 18.0% | 8.4% |
| 7 years (CAGR) | 20.6% | 11.0% |
| 10 years (CAGR) | n/a | 9.9% |
| Since first NAV (CAGR) | 19.0% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 18.6% | 9.6% |
| 3Y rolling median | 25.6% | 12.9% |
| 3Y rolling worst | 14.9% | 5.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 25.1% | 11.7% |
| 5Y rolling worst | 18.0% | 6.8% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 16.4% | 10.9% |
| Sharpe ratio | 0.80 | 0.24 |
| Sortino ratio | 1.36 | 0.34 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −37.2% | −16.5% |
| Maximum drawdown, last 10Y | n/a | −23.2% |
| Maximum drawdown, last 5Y | −16.9% | −12.3% |
| Current drawdown | −6.8% | −5.6% |
| Recovery time of worst fall | 240 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.15% a year and the Direct plan's 0.89%, a gap of 1.26%; over the last 3 years the Direct plan returned 1.63 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹28,79,787.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 28 Sep 2026: TER increased from 0.88% to 0.89% (AMFI TER disclosure)
- 18 Sep 2026: TER reduced from 0.89% to 0.88% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 0.88% to 0.89% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Darshil Dedhia | Comanage | 22 Jan 2024 |
| Rohit Lakhotia | Comanage | 22 Jan 2024 |
| Sanket Gaidhani | Comanage | 29 Aug 2025 |
| Sharmila D'mello | Manages Overseas Investments | 1 Jul 2022 |
Objective: To generate long-term capital appreciation and income generation to investors from a portfolio that is predominantly invested in equity and equity related securities. However, there is no assurance or guarantee that the investment objective of the plan would be achieved.
Stated asset allocation: • Equity & Equity related instruments 80%-100% • Debt and Money market instruments 0%-20%
Benchmark (tier 1): Nifty 500 TRI
Minimum application: Rs. 5,000
Allotment date: 27 Feb 2019
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.89% | 1.16% |
| AUM, whole scheme (₹ crore) | 2,106 | 269 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 6.1% | -2.0% TRI |
| Return, 3 years (AMFI) | 18.9% | 9.5% TRI |
| Return, 5 years (AMFI) | 18.2% | 9.0% TRI |
| Month-ends above category median (3Y CAGR) | 100% | 41% median |
| Month-ends in category top quartile (3Y) | 100% | 9% median |
Official benchmark: Nifty 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -1.2% | n/a | – |
| 2025 | 15.6% | n/a | – |
| 2024 | 25.2% | n/a | – |
| 2023 | 39.9% | n/a | – |
| 2022 | 3.6% | n/a | – |
| 2021 | 49.3% | n/a | – |
| 2020 | 12.9% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,19,353 | -1.0% |
| 3 years | ₹3,60,000 | ₹4,16,022 | 9.6% |
| 5 years | ₹6,00,000 | ₹9,03,864 | 16.4% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Retirement
Plan / option: Direct · Growth
AMFI scheme code: 146349
ISIN: INF109KC1TS2
First NAV in MFIC data: 28 Feb 2019
History: 7.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Baroda BNP Paribas Retirement Fund | Retirement | 0.95 | n/a |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Retirement | 0.95 | 16.4% |
| ICICI Prudential Children's Fund | Children's | 0.94 | 11.5% |
| Union Retirement Fund | Retirement | 0.94 | 11.6% |
| BANDHAN RETIREMENT FUND | Retirement | 0.94 | n/a |
| Union Children's Fund | Children's | 0.93 | n/a |
Questions about ICICI Prudential Retirement Fund Pure Equity Plan
- What is the latest NAV of ICICI Prudential Retirement Fund Pure Equity Plan?
- The NAV of the Direct plan (growth option) was ₹37.4400 on 1 Oct 2026, as published by AMFI.
- Which category is ICICI Prudential Retirement Fund Pure Equity Plan in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Direct plans).
- What returns has ICICI Prudential Retirement Fund Pure Equity Plan delivered?
- Over one year the NAV changed by 4.3%. The 3-year CAGR is 18.5% (category median 8.2%) and the 5-year CAGR is 18.0% (category median 8.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 25.6%, the lowest was 14.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in ICICI Prudential Retirement Fund Pure Equity Plan's NAV?
- The largest peak-to-trough fall in its available history was 37.2%; within the last five years it was 16.9% (category median 12.3%).
- How volatile is ICICI Prudential Retirement Fund Pure Equity Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 16.4%, which is above the Retirement category median of 10.9%.
- What would a monthly SIP in ICICI Prudential Retirement Fund Pure Equity Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹9,03,864 on 1 Oct 2026, an annualised return (XIRR) of 16.4%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of ICICI Prudential Retirement Fund Pure Equity Plan?
- The total expense ratio of the Direct plan is 0.89% a year, as disclosed to AMFI (median of Retirement Direct plans: 1.16%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is ICICI Prudential Retirement Fund Pure Equity Plan?
- Assets under management of the whole scheme were ₹2,106 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of ICICI Prudential Retirement Fund Pure Equity Plan?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of ICICI Prudential Retirement Fund Pure Equity Plan and how has it compared?
- Its official benchmark is the Nifty 500 TRI. Over 3 years AMFI reports a return of 18.9% for this plan against 9.5% for the benchmark total return index; over 5 years 18.2% against 9.0%. Past performance does not indicate future results.
- How often has ICICI Prudential Retirement Fund Pure Equity Plan beaten its category?
- At 100% of the 56 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Direct plans); it was in the top quarter at 100% of them. A typical scheme would show about 50%.
- Who manages ICICI Prudential Retirement Fund Pure Equity Plan?
- According to its Scheme Summary Document, ICICI Prudential Retirement Fund Pure Equity Plan is managed by Darshil Dedhia (since 22 Jan 2024), Rohit Lakhotia (since 22 Jan 2024), Sanket Gaidhani (since 29 Aug 2025), Sharmila D'mello (since 1 Jul 2022).
- What is the minimum investment in ICICI Prudential Retirement Fund Pure Equity Plan?
- The minimum application amount is Rs. 5,000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 4.3% and the Regular plan's by 2.9%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.