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

We don't give personal investment advice. ICICI Prudential Retirement Fund - Hybrid Conservative - 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: 4.9%. 5-year CAGR: 7.79%.

ICICI Prudential

ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW Option

Latest NAV

₹17.8671

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%	+0.10%	-0.04	7 / 9	Q4
1W	-0.16%	-0.70%	+0.55	3 / 9	Q2
2W	+0.28%	+0.13%	+0.15	3 / 9	Q2
1M	+0.01%	-0.71%	+0.72	3 / 9	Q2
3M	-0.50%	-0.54%	+0.03	4 / 9	Q2
6M	+0.20%	-3.43%	+3.63	3 / 9	Q2
YTD	-0.45%	-2.88%	+2.43	2 / 9	Q1
1Y	+5.06%	+0.26%	+4.80	3 / 9	Q2
2Y	+6.10%	+2.69%	+3.41	3 / 9	Q2
3Y	+9.95%	+9.44%	+0.51	3 / 9	Q2
4Y	+9.29%	+9.33%	-0.05	4 / 9	Q2
5Y	+7.79%	+8.28%	-0.49	4 / 9	Q2
7Y	+8.14%	+8.09%	+0.05	4 / 9	Q2
10Y	—	—	—	—	—
Inception	+8.33%	+8.03%	+0.29	4 / 9	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	-0.45%	-2.88%	+2.43	2 / 9
2025	+8.63%	+4.73%	+3.90	3 / 9
2024	+9.80%	+12.35%	-2.56	6 / 9
2023	+14.79%	+17.85%	-3.06	5 / 9
2022	+1.79%	+1.57%	+0.22	6 / 9
2021	+7.10%	+16.36%	-9.25	6 / 9
2020	+11.66%	+7.53%	+4.13	3 / 9
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

+8.81%

77 windows

min -1.7% · max 20.2%

99% positive

3-Year rolling

+8.68%

53 windows

min 5.9% · max 11.7%

100% positive

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

5-Year rolling

+8.92%

28 windows

min 7.7% · max 9.8%

100% positive

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

7-Year rolling

+8.30%

4 windows

min 8.1% · max 8.6%

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

0.72

vs risk-free 6.5%

Sortino ratio

1.35

Downside-only deviation

Max drawdown

-3.47%

Jan 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 - IDCW Option	Nippon India	₹19.7455	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - IDCW Option	ICICI Prudential	₹27.1600	3 Jun 2026
Templeton India Pension Plan-Dividend	Franklin Templeton	₹16.2297	3 Jun 2026
UTI - Retirement Benefit Pension Fund	UTI	₹49.2493	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.8671
2 Jun 2026	₹17.8902
1 Jun 2026	₹17.8798
29 May 2026	₹17.9085
27 May 2026	₹17.9329
26 May 2026	₹17.9180
25 May 2026	₹17.9081
22 May 2026	₹17.8465
21 May 2026	₹17.8299
20 May 2026	₹17.8447

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 - IDCW Option is ₹17.8671. It's a Retirement Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Retirement Fund - Hybrid Conservative - 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 - 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 - IDCW Option has delivered a absolute return of 5.06% — +4.8 pp ahead of the Retirement Fund category average of 0.26%. The fund ranks #3 of 9 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW Option has delivered a CAGR of 9.95% — +0.51 pp ahead of the Retirement Fund category average of 9.44%. The fund ranks #3 of 9 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW Option has delivered a CAGR of 7.79% — -0.49 pp behind the Retirement Fund category average of 8.28%. The fund ranks #4 of 9 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW Option exactly 5 years ago would be worth approximately ₹145,483 today — a multiplier of 1.45×, based on the 5-year CAGR of 7.79%. The category average over the same window would have grown ₹1 lakh to ₹148,825.

A ₹10,000 monthly SIP in ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹737,197 today. That's an XIRR (money-weighted annualised return) of 8.16%.

ICICI Prudential Retirement Fund - Hybrid Conservative - 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 ₹1,127,327 — XIRR 8.26%.

On a 5-year basis, ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW Option ranks #4 out of 9 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 8.28%; this fund delivered 7.79%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW 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 - IDCW Option averaged 8.92% (best 9.80%, worst 7.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.27 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Hybrid Conservative - IDCW Option returned 8.63% — beating the Retirement Fund category average of 4.73% by 3.90 pp. It ranked #3 of 9 in its category that year.

ICICI Prudential Retirement Fund - Hybrid Conservative - 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 - 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: 4.9%. 5-year CAGR: 7.79%.

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 - 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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