Sharpe ratio
0.67Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.75%1Y Absolute Return
-0.39%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 Conservative - Direct Plan - Growth OptionFund 5Y annualised return | ₹9,00,535 | ₹7,32,612 | ₹1,67,923 | +8.49% |
| 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₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age7.7 yrs
Fund information
Scheme code146716
ISININF109KC1UA8
BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Conservative
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.04%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
26th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +26.96% | — | — |
| 3M | -4.63% | — | — |
| 6M | +5.73% | — | — |
| 1Y | +3.75% | — | +1.16% |
| 3Y | +9.60% | — | +8.74% |
| 5Y | +8.49% | — | +7.27% |
| Since Launch | +9.55% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.95Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
4.76%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
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
0.94How 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%
Debt60.57%
Equity20.54%
Cash18.89%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 41 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 17.8355% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 13.5692% |
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 6.2276% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 5.3293% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23I 7.62 LOA 31JN28 FVRS1LAC | Financial | Debenture | 5.2838% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 5.1189% |
| REC LIMITED SR GOI - VIII 8.30 BD 25MR29 FVRS10LAC | Financial | Non Convertible Debenture | 4.3419% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 3.9074% |
| NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC | Consumer Staples | Debenture | 3.6913% |
| POWER FINANCE CORPORATION LTD. SR BS226B 7.70 BD 15AP33 FVRS1LAC | Financial | Debenture | 2.1444% |
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 moderately high-risk solution oriented scheme - retirement fund. Ahead of its category average over 3Y by 0.9 points.
Strengths
- Ahead of its category average over 3Y by 0.9 points.
- Losses and swings stayed contained — worst fall -10.2%, volatility 4.8%.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 12% of the portfolio.
- Ranks 26 of 106 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None