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

We don't give personal investment advice. ICICI Prudential Retirement Fund - Hybrid Conservative - 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: 4.7%. 5-year CAGR: 9.01%.

ICICI Prudential

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

Latest NAV

₹19.6674

As of

3 Jun 2026

1,754 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	+0.06%	+0.22%	-0.16	19 / 23	Q4
1W	-0.13%	-0.85%	+0.71	4 / 23	Q1
2W	+0.33%	+0.26%	+0.06	8 / 23	Q2
1M	+0.11%	-0.63%	+0.74	7 / 23	Q2
3M	-0.20%	-0.35%	+0.15	8 / 23	Q2
6M	+0.81%	-2.60%	+3.41	5 / 23	Q1
YTD	+0.05%	-2.50%	+2.55	5 / 23	Q1
1Y	+6.34%	+0.11%	+6.23	3 / 23	Q1
2Y	+7.39%	+3.18%	+4.21	3 / 23	Q1
3Y	+11.21%	+9.35%	+1.85	6 / 20	Q2
4Y	+10.53%	+9.49%	+1.04	8 / 19	Q2
5Y	+9.01%	+8.43%	+0.58	7 / 19	Q2
7Y	+9.55%	+8.21%	+1.34	4 / 12	Q2
10Y	—	—	—	—	—
Inception	+9.77%	+9.54%	+0.23	9 / 23	Q2

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	+0.05%	-2.50%	+2.55	5 / 23
2025	+10.00%	+4.83%	+5.18	3 / 23
2024	+10.88%	+11.40%	-0.52	13 / 21
2023	+16.09%	+19.27%	-3.19	12 / 20
2022	+2.70%	+2.24%	+0.46	10 / 19
2021	+8.81%	+15.66%	-6.86	10 / 15
2020	+13.54%	+11.58%	+1.97	7 / 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

+10.22%

77 windows

min 0.1% · max 22.3%

100% positive

3-Year rolling

+10.02%

53 windows

min 7.3% · max 13.0%

100% positive

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

5-Year rolling

+10.27%

28 windows

min 9.0% · max 11.2%

100% positive

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

7-Year rolling

+9.72%

4 windows

min 9.5% · max 10.1%

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

4.32%

3-year · annualised

Sharpe ratio

0.99

vs risk-free 6.5%

Sortino ratio

1.95

Downside-only deviation

Max drawdown

-3.36%

Feb 2026 → Mar 2026

% positive months

83.3%

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	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.7224	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹30.3800	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹12.8060	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹19.1980	3 Jun 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹17.9390	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
UTI Retirement Fund- Direct Plan	UTI	₹53.4109	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹19.3600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.6674
2 Jun 2026	₹19.6923
1 Jun 2026	₹19.6801
29 May 2026	₹19.7097
27 May 2026	₹19.7353
26 May 2026	₹19.7183
25 May 2026	₹19.7067
22 May 2026	₹19.6370
21 May 2026	₹19.6180
20 May 2026	₹19.6337

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 03 Jun 2026, the NAV of ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option is ₹19.6674. 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 Conservative - Direct Plan - IDCW Option has NAV history starting from 28 Feb 2019, a track record of about 7 years 3 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 Conservative - 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 Conservative - Direct Plan - IDCW Option has delivered a absolute return of 6.34% — +6.23 pp ahead of the Retirement Fund category average of 0.11%. The fund ranks #3 of 23 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option has delivered a CAGR of 11.21% — +1.85 pp ahead of the Retirement Fund category average of 9.35%. The fund ranks #6 of 20 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option has delivered a CAGR of 9.01% — +0.58 pp ahead of the Retirement Fund category average of 8.43%. The fund ranks #7 of 19 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹153,921 today — a multiplier of 1.54×, based on the 5-year CAGR of 9.01%. The category average over the same window would have grown ₹1 lakh to ₹149,851.

A ₹10,000 monthly SIP in ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹760,503 today. That's an XIRR (money-weighted annualised return) of 9.41%.

ICICI Prudential Retirement Fund - Hybrid Conservative - 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 ₹1,180,883 — XIRR 9.56%.

On a 5-year basis, ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option ranks #7 out of 19 funds in the Retirement Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.43%; this fund delivered 9.01%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option has experienced over the last 5-year window is 4.66% — its NAV fell from a high on 13 Jan 2022 to a low on 17 Jun 2022. 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 Conservative - Direct Plan - IDCW Option averaged 10.27% (best 11.16%, worst 8.96%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.53 — reasonable risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option returned 10.00% — beating the Retirement Fund category average of 4.83% by 5.18 pp. It ranked #3 of 23 in its category that year.

ICICI Prudential Retirement Fund - Hybrid Conservative - 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 Conservative - 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: 4.7%. 5-year CAGR: 9.01%.

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

ICICI Prudential Retirement Fund - Hybrid Conservative - 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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