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: 9.33%.

ICICI Prudential

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

Latest NAV

₹20.1560

As of

17 Jul 2026

1,785 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.09%	+0.13%	-0.04	13 / 23	Q3
1W	+0.04%	-0.04%	+0.08	8 / 23	Q2
2W	+0.03%	-0.77%	+0.81	12 / 23	Q3
1M	+1.04%	+0.41%	+0.62	13 / 23	Q3
3M	+2.03%	+1.93%	+0.10	13 / 23	Q3
6M	+2.39%	+1.13%	+1.26	9 / 23	Q2
YTD	+2.41%	+0.09%	+2.32	9 / 23	Q2
1Y	+6.60%	+0.68%	+5.92	3 / 23	Q1
2Y	+7.50%	+2.40%	+5.09	3 / 23	Q1
3Y	+11.07%	+8.63%	+2.45	4 / 20	Q1
4Y	+11.24%	+9.86%	+1.38	6 / 19	Q2
5Y	+9.33%	+8.42%	+0.92	6 / 19	Q2
7Y	+9.74%	+8.89%	+0.86	5 / 12	Q2
10Y	—	—	—	—	—
Inception	+9.94%	+9.90%	+0.04	11 / 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	+2.41%	+0.09%	+2.32	9 / 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

+10.33%

78 windows

min 1.6% · max 21.6%

100% positive

3-Year rolling

+10.15%

54 windows

min 7.4% · max 13.1%

100% positive

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

5-Year rolling

+10.33%

30 windows

min 9.1% · max 12.2%

100% positive

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

7-Year rolling

+9.78%

5 windows

min 9.7% · max 9.9%

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

3.94%

3-year · annualised

Sharpe ratio

1.04

vs risk-free 6.5%

Sortino ratio

2.48

Downside-only deviation

Max drawdown

-3.36%

Feb 2026 → Mar 2026

% positive months

80.6%

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 Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹31.3300	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	₹20.1560
16 Jul 2026	₹20.1376
15 Jul 2026	₹20.1009
14 Jul 2026	₹20.0762
13 Jul 2026	₹20.1469
10 Jul 2026	₹20.1485
9 Jul 2026	₹20.0850
8 Jul 2026	₹20.0514
7 Jul 2026	₹20.1584
6 Jul 2026	₹20.1784

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 Conservative - Direct Plan - IDCW Option is ₹20.1560. 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 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 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 6.60% — +5.92 pp ahead of the Retirement Fund category average of 0.68%. 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 11.07% — +2.45 pp ahead of the Retirement Fund category average of 8.63%. The fund ranks #4 of 20 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option has delivered a CAGR of 9.33% — +0.92 pp ahead of the Retirement Fund category average of 8.42%. The fund ranks #6 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 ₹156,239 today — a multiplier of 1.56×, based on the 5-year CAGR of 9.33%. 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 Conservative - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹770,148 today. That's an XIRR (money-weighted annualised return) of 9.92%.

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 ₹1,195,227 — XIRR 9.91%.

On a 5-year basis, ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - IDCW Option ranks #6 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 8.42%; this fund delivered 9.33%.

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 10.33% (best 12.23%, worst 9.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.60 — 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: 9.33%.

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

More from ICICI Prudential