ICICI Prudential Retirement Fund Pure Equity
This is the Direct plan of ICICI Prudential Retirement Fund Pure Equity — bought from the fund house, with no distributor commission in its expense ratio. Income is distributed, which is why this NAV sits below the growth plan of the same fund.
Performance
Scorecard
Not ratedHow this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — too few comparable Solution Oriented funds (same plan and option) to rank against yet.
Not enough Retirement Fund peers to rank yet
Volatility 16.3% (no category average yet)
0.9% expense (no category average yet)
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Consistent — positive in 100% of rolling 3-year windows
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk and benchmark ratios
Fund vs category average (Retirement Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -5.43% | — | — |
| 3M abs | -3.61% | — | — |
| 6M abs | +7.81% | — | — |
| 1Y CAGR | +4.26% | — | — |
| 3Y CAGR | +18.43% | — | — |
| 5Y CAGR | +17.95% | — | — |
Category average across peers in Retirement Fund, same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into ICICI Prudential Retirement Fund Pure Equity, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | Nifty 500 TRI | Diff | |
|---|---|---|---|---|
| 2026part | -1.16% | -7.18% | +6.02% | |
| 2025 | +15.56% | +7.94% | +7.62% | |
| 2024 | +25.17% | +16.43% | +8.74% | |
| 2023 | +39.93% | +27.43% | +12.50% | |
| 2022 | +3.54% | +4.34% | -0.80% | |
| 2021 | +49.34% | +31.59% | +17.75% | |
| 2020 | +12.87% | +18.33% | -5.46% | |
| 2019part | +7.09% | — | — |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in; those years show no benchmark comparison.
Taxation
Taxed as equityThis is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.
Flat, on the whole gain
On gains above ₹1.25 L per financial year
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Equity95.87%
- Cash & Equivalents4.13%
Fund size over time
Quarterly average AUM · AMFIAt or near its largest, ₹1,884Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.
AMC Profile
ICICI Prudential Mutual Fund is a joint venture between ICICI Bank and Prudential plc of the UK, in business since 1993. It is among India's largest houses by assets and runs one of the industry's widest scheme line-ups across equity, debt and hybrid.
Fund Managers
DDDarshil DedhiaManaging since 22 Jan 2024
Fund Manager – Fixed Income
Chartered Accountant, Chartered Financial Analyst (CFA) and B.Com
He started his career with ICICI Prudential Asset in January 2013 and has experience of over 12 years. Past Experience: ~ ICICI Prudential Asset Management Company Limited – Investments – Mutual Fund Debt – August 9, 2018 till date. ~ ICICI Prudential Asset Management Company Limited – Fund Accounting – February 9, 2016 till August 8, 2018. ~ ICICI Prudential Asset Management Company Limited – Investments – Fixed Income – May 25, 2015 to Feb 8, 2016. ~ ICICI Prudential Asset Management Company Limited – Fund Accounting – January 22, 2013 to May 24, 2015.
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RLRohit LakhotiaManaging since 22 Jan 2024
Fund Manager – Fixed Income
Bachelor of Technology (Honors) Electrical Engineering from NIT Rourkela and MBA from Indian Institute of Management (IIM), Mumbai and Chartered Financial Analyst (CFA)
Mr. Rohit Lakhotia is associated with ICICI Prudential Asset Management Company Limited from May 2016. He was appointed as Fund Manager with effect from June 12, 2023. He has over 14 years of experience. Past Experience: Yes Bank Limited – Corporate Banking – May 2012 to May 2016 Samsung India(R&D) Centre, Noida – Senior R&D Engineer – July 2008 – July 2010.
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SGSanket GaidhaniManaging since 29 Aug 2025
Fund Manager MF Equity
Chartered – Accountant
9 Mr. Sanket Gaidhani joined ICICI Prudential Asset Management Company Limited in February 2016. He is part of the research team of since September 17, 2018. Past Experience: ~ ICICI Prudential Asset Management Company Limited – Relationship Manager – February 12, 2016 – September 16, 2018. including assignments held during the last
SDSharmila D'melloManaging since 01 Jul 2022
Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
Explore from here
ICICI Prudential in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
ICICI Prudential Multi Cap Fund Direct Plan Growth
ClearTax · 6h ago
ICICI Prudential MF crosses 5% stake in GSPL Transmission via demerger
scanx.trade · 10h ago
MF IDCW alert: ICICI Prudential, Invesco announce payouts across 5 schemes; check dates and amounts
Upstox · 13h ago
Senior Citizen Savings Scheme (SCSS) interest rate for October-December 2026
Upstox · 1d ago
ICICI Prudential Retirement Fund – Hybrid Aggressive Plan: Retirement Savings With An Equity Edge
BusinessLine · 2d ago
Mutual funds now offer nearly 2,000 schemes; passive funds account for one-third of the shelf
Cafemutual · 2d ago
NFO Insight : ICICI Prudential Contra Fund opens for subscription. Is contra investing suited for current
The Economic Times · 3d ago
ICICI Pru AMC’s S Naren on contrarian investing, AI risks and navigating a volatile market
livemint.com · 3d ago
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
Frequently asked questions
What is the NAV of ICICI Prudential Retirement Fund Pure Equity?
As of 01 Oct 2026, the NAV of ICICI Prudential Retirement Fund Pure Equity is ₹37.43 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has ICICI Prudential Retirement Fund Pure Equity delivered?
ICICI Prudential Retirement Fund Pure Equity has returned +4.26% over 1 year, +18.43% per year over 3 years, +17.95% per year over 5 years and +18.98% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of ICICI Prudential Retirement Fund Pure Equity?
ICICI Prudential Retirement Fund Pure Equity charges an expense ratio of 0.88% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of ICICI Prudential Retirement Fund Pure Equity?
ICICI Prudential Retirement Fund Pure Equity's largest holdings are HDFC Bank Ltd. (4.9%), Reliance Industries Ltd. (4.1%), Multi Commodity Exchange Of India Ltd. (3.8%), Hindustan Unilever Ltd. (3.7%) and ICICI Bank Ltd. (2.5%). Holdings are disclosed monthly and change over time.
How risky is ICICI Prudential Retirement Fund Pure Equity?
ICICI Prudential Retirement Fund Pure Equity is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 16.3% and its worst peak-to-trough fall in our sample was -37.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of 0.73 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. ICICI Prudential Retirement Fund Pure Equity's 0.73 means it has rewarded its volatility with excess return. Higher is better.
What is the benchmark of ICICI Prudential Retirement Fund Pure Equity?
ICICI Prudential Retirement Fund Pure Equity is benchmarked against the Nifty 500 TRI. Its alpha and beta on this page are measured against that index.
Who manages ICICI Prudential Retirement Fund Pure Equity?
ICICI Prudential Retirement Fund Pure Equity is managed by Darshil Dedhia, Rohit Lakhotia, Sanket Gaidhani and Sharmila D'mello at ICICI Prudential.
How is ICICI Prudential Retirement Fund Pure Equity taxed?
ICICI Prudential Retirement Fund Pure Equity is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.