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ICICI Prudential Retirement Fund - Pure Debt - Growth Option
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 58/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)5.81%
- Expense ratio (20%)0.39%
- AUM (15%)₹8,823 Cr
Not investment advice — an analytical read of public fund data. Methodology →
ICICI Prudential Mutual Fund · Solution Oriented · Retirement Fund
₹15.71
AUM: ₹8,823 Cr
NAV updated 28 days ago
Plan
Direct
Option
Growth
Expense Ratio
0.39%
Exit Load
Nil
Fund Manager
Rahul Goswami, Chandni Gupta
Inception
Jan 2013
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-1.43
Std Dev (1Y)
1.73%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.08%
3m
+1.99%
6m
+1.9%
1y
+4.06%
3y
+5.81%
5y
+5.09%
10y
+7.4%
since inception
+6.19%
TopFund's Take on ICICI Prudential Retirement Fund - Pure Debt - Growth Option
ICICI Prudential Retirement Fund - Pure Debt - Growth Option sits in the middle of the pack for Retirement Fund funds, currently carrying a 2-star rating. Returns have been soft relative to what the category has offered — worth checking if this is a temporary phase or a longer pattern. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 58/100.
Cost: At 0.39%, the expense ratio is meaningfully cheaper — about 53% below the Retirement Fund category average of 0.83% (based on 8 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.43 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 1.73% is on the lower side for a Retirement Fund fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Solution Oriented fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
Tools & Guides for This Fund
Frequently Asked Questions about ICICI Prudential Retirement Fund - Pure Debt - Growth Option
The current NAV (Net Asset Value) of ICICI Prudential Retirement Fund - Pure Debt - Growth Option is ₹15.71. NAV is updated every business day after market close by AMFI.
1Y: 4.06% · 3Y CAGR: 5.81% · 5Y CAGR: 5.09%
The expense ratio of ICICI Prudential Retirement Fund - Pure Debt - Growth Option is 0.39% per annum. This is the annual fee charged by the fund to manage your investment.
ICICI Prudential Retirement Fund - Pure Debt - Growth Option is managed by Rahul Goswami, Chandni Gupta at ICICI Prudential Mutual Fund.
ICICI Prudential Retirement Fund - Pure Debt - Growth Option is classified as a Retirement Fund risk fund. It is suitable for investors with a moderate risk appetite.
ICICI Prudential Retirement Fund - Pure Debt - Growth Option is a Retirement Fund fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in ICICI Prudential Retirement Fund - Pure Debt - Growth Option with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of ICICI Prudential Retirement Fund - Pure Debt - Growth Option is ₹8,823 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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