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

We don't give personal investment advice. ICICI Prudential Retirement Fund - Hybrid Conservative - Growth 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: 4.9%. 5-year CAGR: 8.12%.

ICICI Prudential

ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option

Latest NAV

₹18.2845

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

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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	+0.09%	+0.19%	-0.10	5 / 11	Q2
1W	+0.01%	-0.02%	+0.04	5 / 11	Q2
2W	-0.01%	+0.14%	-0.15	6 / 11	Q3
1M	+0.94%	+1.07%	-0.14	8 / 11	Q3
3M	+1.73%	+1.59%	+0.14	5 / 11	Q2
6M	+1.77%	+0.73%	+1.04	4 / 11	Q2
YTD	+1.74%	-0.13%	+1.87	4 / 11	Q2
1Y	+5.34%	+1.42%	+3.92	3 / 11	Q2
2Y	+6.20%	+2.92%	+3.28	2 / 11	Q1
3Y	+9.81%	+10.60%	-0.78	6 / 11	Q3
4Y	+9.98%	+12.35%	-2.36	7 / 11	Q3
5Y	+8.12%	+10.42%	-2.30	7 / 11	Q3
7Y	+8.34%	+10.93%	-2.59	7 / 11	Q3
10Y	—	—	—	—	—
Inception	+8.50%	+10.76%	-2.26	7 / 11	Q3

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	+1.74%	-0.13%	+1.87	4 / 11
2025	+8.63%	+5.70%	+2.93	3 / 11
2024	+9.80%	+15.02%	-5.22	10 / 11
2023	+14.79%	+21.68%	-6.89	7 / 11
2022	+1.79%	+2.84%	-1.05	8 / 11
2021	+7.10%	+20.89%	-13.78	8 / 11
2020	+11.66%	+10.17%	+1.48	4 / 11
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

+8.93%

78 windows

min -0.2% · max 20.4%

99% positive

3-Year rolling

+8.83%

54 windows

min 5.9% · max 11.9%

100% positive

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

5-Year rolling

+8.97%

30 windows

min 7.8% · max 10.9%

100% positive

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

7-Year rolling

+8.36%

5 windows

min 8.2% · max 8.5%

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

3.93%

3-year · annualised

Sharpe ratio

0.75

vs risk-free 6.5%

Sortino ratio

1.66

Downside-only deviation

Max drawdown

-3.47%

Jan 2026 → Mar 2026

% positive months

75.0%

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
HDFC Retirement Savings Fund - Equity Plan - Growth Option	HDFC	₹48.9310	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹18.2845
16 Jul 2026	₹18.2685
15 Jul 2026	₹18.2358
14 Jul 2026	₹18.2140
13 Jul 2026	₹18.2787
10 Jul 2026	₹18.2820
9 Jul 2026	₹18.2249
8 Jul 2026	₹18.1951
7 Jul 2026	₹18.2927
6 Jul 2026	₹18.3115

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 - Growth Option is ₹18.2845. It's a Retirement Fund from ICICI Prudential, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Retirement Fund - Hybrid Conservative - Growth 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 - Growth 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 - Growth Option has delivered a absolute return of 5.34% — +3.92 pp ahead of the Retirement Fund category average of 1.42%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option has delivered a CAGR of 9.81% — -0.78 pp behind the Retirement Fund category average of 10.60%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option has delivered a CAGR of 8.12% — -2.3 pp behind the Retirement Fund category average of 10.42%. The fund ranks #7 of 11 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option exactly 5 years ago would be worth approximately ₹147,746 today — a multiplier of 1.48×, based on the 5-year CAGR of 8.12%. The category average over the same window would have grown ₹1 lakh to ₹164,154.

A ₹10,000 monthly SIP in ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹746,490 today. That's an XIRR (money-weighted annualised return) of 8.67%.

ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,141,227 — XIRR 8.61%.

On a 5-year basis, ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option ranks #7 out of 11 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.42%; this fund delivered 8.12%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option has experienced over the last 5-year window is 4.88% — 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 - Growth Option averaged 8.97% (best 10.85%, worst 7.83%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option returned 8.63% — beating the Retirement Fund category average of 5.70% by 2.93 pp. It ranked #3 of 11 in its category that year.

ICICI Prudential Retirement Fund - Hybrid Conservative - Growth 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 - Growth 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: 4.9%. 5-year CAGR: 8.12%.

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 - Growth 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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