Should I invest in ICICI Prudential Retirement Fund - Hybrid Aggressive?

We don't give personal investment advice. ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 14.7%. 5-year CAGR: 17.25%.

ICICI Prudential

ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option

Latest NAV

₹31.3300

As of

17 Jul 2026

1,816 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	+0.13%	-0.13	18 / 23	Q4
1W	-0.06%	-0.04%	-0.02	11 / 23	Q2
2W	-0.32%	-0.77%	+0.46	20 / 23	Q4
1M	+0.35%	+0.41%	-0.06	20 / 23	Q4
3M	+3.37%	+1.93%	+1.44	5 / 23	Q1
6M	+3.78%	+1.13%	+2.64	5 / 23	Q1
YTD	+2.79%	+0.09%	+2.70	7 / 23	Q2
1Y	+8.00%	+0.68%	+7.32	1 / 23	Q1
2Y	+7.54%	+2.40%	+5.14	2 / 23	Q1
3Y	+19.80%	+8.63%	+11.18	2 / 20	Q1
4Y	+19.96%	+9.86%	+10.10	2 / 19	Q1
5Y	+17.25%	+8.42%	+8.83	2 / 19	Q1
7Y	+17.01%	+8.89%	+8.13	2 / 12	Q1
10Y	—	—	—	—	—
Inception	+16.70%	+9.90%	+6.80	3 / 23	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.79%	+0.09%	+2.70	7 / 23
2025	+13.81%	+4.83%	+8.98	2 / 23
2024	+22.55%	+11.40%	+11.15	3 / 21
2023	+32.82%	+19.27%	+13.55	2 / 20
2022	+1.94%	+2.24%	-0.29	13 / 19
2021	+27.80%	+15.66%	+12.14	3 / 15
2020	+14.99%	+11.58%	+3.41	6 / 15
2019	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+19.30%

78 windows

min -15.9% · max 52.0%

92% positive

3-Year rolling

+19.93%

54 windows

min 11.7% · max 25.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+20.32%

30 windows

min 16.5% · max 25.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+16.44%

5 windows

min 15.5% · max 17.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

12.54%

3-year · annualised

Sharpe ratio

0.99

vs risk-free 6.5%

Sortino ratio

1.93

Downside-only deviation

Max drawdown

-14.66%

Sep 2024 → Feb 2025

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹20.6572	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option	ICICI Prudential	₹20.1560	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹13.2420	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹20.4410	17 Jul 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹18.3984	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
UTI Retirement Fund- Direct Plan	UTI	₹55.0672	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹18.7000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹31.3300
16 Jul 2026	₹31.3300
15 Jul 2026	₹31.3100
14 Jul 2026	₹31.2200
13 Jul 2026	₹31.3600
10 Jul 2026	₹31.3500
9 Jul 2026	₹31.0800
8 Jul 2026	₹30.8700
7 Jul 2026	₹31.3300
6 Jul 2026	₹31.5100

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option is ₹31.3300. It's a Retirement Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option has NAV history starting from 28 Feb 2019, a track record of about 7 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option is managed by ICICI Prudential. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option has delivered a absolute return of 8.00% — +7.32 pp ahead of the Retirement Fund category average of 0.68%. The fund ranks #1 of 23 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option has delivered a CAGR of 19.80% — +11.18 pp ahead of the Retirement Fund category average of 8.63%. The fund ranks #2 of 20 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option has delivered a CAGR of 17.25% — +8.83 pp ahead of the Retirement Fund category average of 8.42%. The fund ranks #2 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹221,570 today — a multiplier of 2.22×, based on the 5-year CAGR of 17.25%. The category average over the same window would have grown ₹1 lakh to ₹149,791.

A ₹10,000 monthly SIP in ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹923,185 today. That's an XIRR (money-weighted annualised return) of 17.26%.

ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,612,824 — XIRR 18.30%.

On a 5-year basis, ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option ranks #2 out of 19 funds in the Retirement Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.42%; this fund delivered 17.25%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option has experienced over the last 5-year window is 14.66% — its NAV fell from a high on 27 Sep 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option averaged 20.32% (best 25.40%, worst 16.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.81 — reasonable risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option returned 13.81% — beating the Retirement Fund category average of 4.83% by 8.98 pp. It ranked #2 of 23 in its category that year.

ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 14.7%. 5-year CAGR: 17.25%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Retirement Fund

Recent NAVs

Frequently asked questions

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