Sharpe ratio
0.68Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.63%1Y Absolute Return
-0.32%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth OptionFund 5Y annualised return | ₹10,32,103 | ₹7,32,612 | ₹2,99,491 | +13.82% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.16
₹1 Lakh since launch₹1.16 Lakh
Fund age7.7 yrs
Fund information
Scheme code146721
ISININF109KC1TW4
BenchmarkCRISIL Hybrid 35+65 Aggressive Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.14%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
51st / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +29.07% | — | — |
| 3M | -14.20% | — | — |
| 6M | +3.40% | — | — |
| 1Y | +2.63% | — | +1.16% |
| 3Y | +17.31% | — | +8.74% |
| 5Y | +13.82% | — | +7.27% |
| Since Launch | +15.73% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.93Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
12.92%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.55How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity80.91%
Debt10.87%
Cash7.48%
Real Estate0.73%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 101 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 7.931% |
| VEDANTA LIMITED SR I 9.31 NCD 03DC27 FVRS1LAC | Materials | Debenture | 2.4461% |
| HDFC Bank Ltd | Financial | Equity | 2.4384% |
| Kirloskar Oil Engines Ltd | Industrials | Equity | 2.2905% |
| Titan Company Ltd | Consumer Discretionary | Equity | 2.279% |
| Mahindra & Mahindra Ltd | Consumer Discretionary | Equity | 2.1396% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.0145% |
| Larsen & Toubro Ltd | Industrials | Equity | 1.8444% |
| Samvardhana Motherson International Ltd | Consumer Discretionary | Equity | 1.8227% |
| Hindustan Unilever Ltd | Consumer Staples | Equity | 1.7288% |
Fund management
MA
Manasvi Shah
Since 2025 · She joined ICICI Prudential Asset Management Company Limited in September 2015 and has experience of over 7 years.
CA, B.Com, CFA Level - 2
RO
Rohit Lakhotia
Since 2023 · Prior to joining ICICI Prudential Mutual Fund, he has worked with Yes Bank and Samsung Electronics
Mr. Lakhotia has done B.Tech from NIT(Rourkela) and MBA from National Institute of Industrial Engineering
SH
Sharmila D'Silva
Since 2022 · She joined ICICI Prudential AMC Limited in September 2016.
Ms. D'Silva is CA and BAF
DA
Darshil Dedhia
Since 2024 · He has been working with ICICI Prudential Mutual Fund since 2013.
Mr. Dedhia has done CA and CFA.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk solution oriented scheme - retirement fund. Ahead of its category average over 3Y by 8.6 points. Ranks 51 of 106 in its category over 1 year.
Strengths
- Ahead of its category average over 3Y by 8.6 points.
- Well spread out — top 10 holdings are only 20% of the portfolio.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 12.9% volatility.
Risk drivers
- None