ICICI Prudential Retirement Fund Pure Equity Plan - Direct Plan - Growth
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.Read more
NAV · 16 Oct 2026₹37.6800▲ 0.08% (1 day)
- Current NAV₹37.6800
- Fund Size (AUM)₹ 2,106 Cr.
- Expense Ratio0.87 %
- 1Y Return+1.26%
- 3Y Return (CAGR)+18.42%
- 5Y Return (CAGR)+17.56%
- Category Rank (3Y)—
- RiskometerVery High Risk
- Min. SIP / Lump sum₹ 100 / ₹ 5,000
More figures (11)
- Since Launch (CAGR)+18.97%
- Benchmark—
- Volatility (3Y)16.29 %
- Sharpe Ratio (3Y)0.73
- Beta (3Y)—
- 52-week High / Low₹40.1600 / ₹34.0400
- Max Drawdown-37.2 %
- Launched28 Feb 2019
- Lock-in0 years
- Portfolio Turnover48 %
- Fund ManagersSharmila D’mello, Darshil Dedhia, Rohit Lakhotia +1
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned 17.6% a year.
- Volatility over 3 years was 16.3% a year, with a Sharpe ratio of 0.73.
- Its biggest fall from a peak was 37.2% (24 Jan 2020 to 23 Mar 2020).
- Across all 3-year periods since launch, yearly returns ranged from 15.3% to 34.6% and were positive 100% of the time.
- Expense ratio 0.87%, fund size ₹2,106 crore.
Pros
AI- Every 3-year period since launch gave a positive return (lowest 15.3% a year).
- Expense ratio of 0.87% is below the category median of 1.12%.
Cons
AINo standout weaknesses in its record so far.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | +1.21% | -1.75% | -4.20% | +0.05% | -0.53% | +1.26% | +4.43% | +18.42% | +17.56% | +20.44% | — | +18.97% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Retirement Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| This fund | -0.53% | +15.56% | +25.21% | +39.85% | +3.60% | +49.34% | +12.87% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.5 | 1.4 | -9.1 | 12.2 | -0.1 | 1.2 | 2.0 | 0.6 | -4.6 | -0.4 | |||
| 2025 | -2.6 | -9.0 | 7.4 | 3.3 | 5.6 | 7.4 | -2.7 | -2.3 | 2.5 | 5.1 | 1.2 | -0.1 | 15.6 |
| 2024 | 4.7 | 2.6 | 2.0 | 5.6 | 1.8 | 4.6 | 4.1 | 0.2 | 3.0 | -5.0 | 0.8 | -1.3 | 25.2 |
| 2023 | -1.8 | -3.8 | 0.9 | 5.0 | 4.4 | 5.0 | 7.3 | 0.6 | 1.5 | -3.0 | 10.2 | 8.8 | 39.9 |
| 2022 | 0.7 | -4.4 | 3.8 | -2.7 | -0.9 | -4.3 | 6.2 | 4.7 | -1.4 | 2.9 | 2.7 | -3.1 | 3.6 |
| 2021 | 1.5 | 5.9 | 0.2 | -0.5 | 5.3 | 2.3 | 6.9 | 5.9 | 3.7 | 1.1 | 8.9 | 0.1 | 49.4 |
| 2020 | 0.9 | -7.9 | -23.6 | 12.6 | 0.1 | 5.6 | 8.1 | 2.0 | -2.7 | 2.8 | 11.4 | 8.6 | 12.9 |
| 2019 | 4.2 | -0.1 | 2.3 | 0.3 | -4.1 | -1.7 | 1.8 | 2.9 | 1.1 | 0.4 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 64 of 92 months shown (70%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 16.29% | 15.57% |
| Sharpe ratio ? | 0.73 | 0.71 |
| Sortino ratio ? | 0.98 | 0.99 |
| Maximum drawdown | -16.85% | -16.85% |
Rolling 3-year returns (yearly)
Lowest+15.25%
Median+25.55%
Highest+34.60%
Positive100% of periods
Above 12% a year100% of periods
Rolling 5-year returns (yearly)
Lowest+17.53%
Median+25.06%
Highest+33.68%
Positive100% of periods
Above 12% a year100% of periods
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
How it handled market falls
Biggest falls in this fund's NAV
| Peak | Bottom | Fall | Back to the peak on | Time to recover |
|---|---|---|---|---|
| 24 Jan 2020 | 23 Mar 2020 | -37.2% | 18 Nov 2020 | 8 months |
| 26 Sep 2024 | 28 Feb 2025 | -16.9% | 6 Jun 2025 | 3 months |
| 13 Jan 2022 | 17 Jun 2022 | -14.5% | 8 Sep 2022 | 3 months |
| 11 Feb 2026 | 30 Mar 2026 | -11.4% | 21 Apr 2026 | 22 days |
| 5 Dec 2022 | 28 Mar 2023 | -9.7% | 26 May 2023 | 59 days |
| 4 Jul 2019 | 22 Aug 2019 | -8.5% | 2 Jan 2020 | 4 months |
Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,19,324 | ₹-676 | -1.04% |
| 3Y | ₹3,60,000 | ₹4,14,831 | ₹54,831 | +9.42% |
| 5Y | ₹6,00,000 | ₹9,03,235 | ₹3,03,235 | +16.37% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Retirement Funds (29)
| S.No. | Scheme (Direct plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund | ₹24.6880 | — | — | — | — | — | 1.35 | 465 | Very High Risk |
| 2. | Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Mutual Fund | ₹20.8620 | — | — | — | — | — | 1.12 | 110 | Very High Risk |
| 3. | Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund | ₹16.5132 | — | — | — | — | — | 0.63 | 27 | Moderate Risk |
| 4. | Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund | ₹14.8694 | — | — | — | — | — | 0.92 | 14 | Moderate Risk |
| 5. | Axis Retirement Fund - Aggressive PlanAxis Mutual Fund | ₹19.7600 | — | — | — | — | — | 1.25 | 666 | High Risk |
| 6. | Axis Retirement Fund - Conservative PlanAxis Mutual Fund | ₹17.1899 | — | — | — | — | — | 1.25 | 45 | High Risk |
| 7. | Axis Retirement Fund - Dynamic PlanAxis Mutual Fund | ₹21.1000 | — | — | — | — | — | 1.35 | 269 | High Risk |
| 8. | BANDHAN RETIREMENT FUNDBandhan Mutual Fund | ₹12.9280 | — | — | — | — | — | 0.96 | 174 | Moderately High Risk |
| 9. | Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund | ₹11.6795 | — | — | — | — | — | 1.04 | 387 | Very High Risk |
| 10. | Franklin India Retirement FundFranklin Templeton Mutual Fund | ₹237.2876 | — | — | — | — | — | 1.53 | 479 | Moderately High Risk |
| 11. | HDFC Retirement Fund - Equity PlanHDFC Mutual Fund | ₹54.3070 | — | — | — | — | — | 0.89 | 6,645 | Very High Risk |
| 12. | HDFC Retirement Fund - Hybrid-Debt PlanHDFC Mutual Fund | ₹24.5372 | — | — | — | — | — | 1.35 | 143 | Moderately High Risk |
| 13. | HDFC Retirement Fund - Hybrid-Equity PlanHDFC Mutual Fund | ₹41.5850 | — | — | — | — | — | 1.10 | 1,530 | Very High Risk |
| 14. | ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Mutual Fund | ₹30.1200 | — | — | — | — | — | 1.18 | 1,268 | Very High Risk |
| 15. | ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund | ₹19.8733 | — | — | — | — | — | 1.06 | 95 | Moderately High Risk |
| 16. | ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund | ₹17.1091 | — | — | — | — | — | 1.22 | 79 | Moderately High Risk |
| 17. | ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Mutual Fund | ₹37.6800 | — | — | — | — | — | 0.87 | 2,106 | Very High Risk |
| 18. | Nippon India Retirement Fund- Income Generation SchemeNippon India Mutual Fund | ₹22.9057 | — | — | — | — | — | 0.98 | 138 | Moderately High Risk |
| 19. | Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund | ₹31.2856 | — | — | — | — | — | 1.28 | 2,939 | Very High Risk |
| 20. | PGIM India Retirement FundPGIM India Mutual Fund | ₹12.3600 | — | — | — | — | — | 1.13 | 104 | Very High Risk |
| 21. | SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Mutual Fund | ₹20.1227 | — | — | — | — | — | 1.19 | 1,587 | Very High Risk |
| 22. | SBI Retirement Benefit Fund - Aggressive PlanSBI Mutual Fund | ₹20.8321 | — | — | — | — | — | 1.11 | 3,066 | Very High Risk |
| 23. | SBI Retirement Benefit Fund - Conservative Hybrid PlanSBI Mutual Fund | ₹16.0906 | — | — | — | — | — | 1.24 | 248 | Moderately High Risk |
| 24. | SBI Retirement Benefit Fund - Conservative PlanSBI Mutual Fund | ₹14.8869 | — | — | — | — | — | 0.97 | 138 | Moderately High Risk |
| 25. | Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund | ₹38.2078 | — | — | — | — | — | 1.05 | 165 | Moderately High Risk |
| 26. | Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund | ₹78.8723 | — | — | — | — | — | 0.83 | 2,115 | Very High Risk |
| 27. | Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund | ₹81.1626 | — | — | — | — | — | 0.82 | 2,104 | Very High Risk |
| 28. | Union Retirement FundUnion Mutual Fund | ₹16.7500 | — | — | — | — | — | 1.39 | 207 | Very High Risk |
| 29. | UTI Retirement FundUTI Mutual Fund | ₹53.8849 | — | — | — | — | — | — | — | — |
| Median: 29 schemes | — | — | — | — | — | — | 1.12 | 259 | — |
Detailed comparison with another fund About Retirement Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Investment 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.
- Fund managers
- Sharmila D’mello, Darshil Dedhia, Rohit Lakhotia, Sanket Gaidhani
- Fund house
- ICICI Prudential Mutual Fund
- Category
- Retirement Funds · Solution oriented
- Plan / option
- Direct · Growth
- AMFI scheme code
- 146349
- ISIN
- INF109KC1TS2
- Scheme documents
- SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.
About Retirement Funds
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
Generally used by long-term retirement saving.
Other plans of this scheme
Tax on your gains
Likely tax treatment: Equity-oriented fund
- Held 12 months or less: short-term gain taxed at 20%.
- Held over 12 months: long-term gain taxed at 12.5% on gains above ₹1.25 lakh a year (the ₹1.25 lakh exemption covers all your equity funds and shares together).
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
This scheme has a lock-in of 0 years. Exit load, if any, is set out in the scheme's KIM (scheme documents). Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Fund managers
SD
DD
Darshil DedhiaAlso manages
RL
Rohit LakhotiaAlso manages
- ICICI Prudential Banking and PSU Debt Fund
- ICICI Prudential Retirement Fund Hybrid Aggressive Plan
- ICICI Prudential Retirement Fund Hybrid Conservative Plan
- ICICI Prudential Retirement Fund Pure Debt Plan
- ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40:60 Index Fund
- ICICI Prudential Nifty SDL Sep 2027 Index Fund
SG
Sanket GaidhaniAlso manages
From the scheme details published by the fund house. "Also manages" lists schemes we have on record and grows as more schemes are viewed.
Latest news: ICICI Prudential Mutual Fund
- ICICI Prudential AMC Expects FY27 ESOP Expenses Between ₹64-68 CroreSahi · 16 h ago
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- ICICI Prudential AMC to attend non-deal US roadshow from November 2scanx.trade · 17 h ago
- ICICI Prudential AMC NSE:ICICIAMC Non-Deal US Roadshow 2026Kalkine India · 18 h ago
- ICICI Prudential AMC Q2 net profit rises 6.1% to Rs 889 croreCafemutual · Yesterday
- Higher mutual fund yields lift ICICI Prudential AMC's Q2FY27 earningsBusiness Standard · Yesterday
- ICICI Prudential AMC Declares Rs 30 Interim Dividend as Q2 Profit Rises 6.1%Kalkine India · 14 Oct
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
What is the NAV of ICICI Prudential Retirement Fund Pure Equity Plan today?
The latest NAV of ICICI Prudential Retirement Fund Pure Equity Plan - Direct Plan - Growth is ₹37.6800 as on 16 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has ICICI Prudential Retirement Fund Pure Equity Plan given?
As on 16 Oct 2026: 1 year +1.26%, 3 years +18.42% a year, 5 years +17.56% a year. Past returns may or may not be sustained in future.
What is the expense ratio of ICICI Prudential Retirement Fund Pure Equity Plan?
The expense ratio of the Direct plan is 0.87% (as of Aug 2026). It is already deducted in the NAV.
How risky is this fund?
Its riskometer level is Very High Risk. Over 3 years its volatility was 16.3% a year and its biggest fall from a peak was 16.9%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Retirement Funds?
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
How are gains from ICICI Prudential Retirement Fund Pure Equity Plan taxed?
It is taxed as an equity-oriented fund: gains on units held up to 12 months are taxed at 20%; after 12 months, gains above ₹1.25 lakh a year are taxed at 12.5% (plus surcharge and cess).
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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