Should I invest in ICICI Prudential Retirement Fund - Pure Debt?

We don't give personal investment advice. ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - 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: 1.3%. 5-year CAGR: 5.91%.

ICICI Prudential

ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option

Latest NAV

₹16.8657

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%	+0.23%	-0.17	25 / 30	Q4
1W	+0.20%	-0.92%	+1.13	1 / 30	Q1
2W	+0.47%	+0.19%	+0.28	8 / 30	Q2
1M	+0.22%	-0.65%	+0.87	8 / 30	Q2
3M	+0.28%	-0.23%	+0.51	8 / 30	Q2
6M	+1.43%	-2.18%	+3.62	2 / 30	Q1
YTD	+1.01%	-2.35%	+3.36	5 / 30	Q1
1Y	+3.09%	+1.26%	+1.83	8 / 30	Q2
2Y	+6.20%	+4.77%	+1.43	8 / 30	Q2
3Y	+6.64%	+11.65%	-5.01	25 / 27	Q4
4Y	+6.71%	+11.78%	-5.07	25 / 26	Q4
5Y	+5.91%	+10.27%	-4.37	25 / 26	Q4
7Y	+7.18%	+10.86%	-3.68	15 / 19	Q4
10Y	—	—	—	—	—
Inception	+7.45%	+11.15%	-3.70	26 / 30	Q4

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	+1.01%	-2.35%	+3.36	5 / 30
2025	+6.73%	+5.89%	+0.85	10 / 30
2024	+8.35%	+15.71%	-7.36	27 / 28
2023	+7.03%	+21.10%	-14.07	26 / 27
2022	+3.73%	+2.72%	+1.00	9 / 26
2021	+4.59%	+18.09%	-13.51	20 / 22
2020	+11.89%	+13.07%	-1.18	14 / 22
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

+7.35%

77 windows

min 2.6% · max 14.1%

100% positive

3-Year rolling

+6.70%

53 windows

min 5.1% · max 9.3%

100% positive

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

5-Year rolling

+6.83%

28 windows

min 5.9% · max 7.9%

100% positive

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

7-Year rolling

+7.41%

4 windows

min 7.2% · max 7.7%

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

1.55%

3-year · annualised

Sharpe ratio

-0.03

vs risk-free 6.5%

Sortino ratio

-0.07

Downside-only deviation

Max drawdown

-1.08%

Mar 2026 → Apr 2026

% positive months

91.7%

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
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹53.5320	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹19.7204	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.8657
2 Jun 2026	₹16.8728
1 Jun 2026	₹16.8620
29 May 2026	₹16.8636
27 May 2026	₹16.8467
26 May 2026	₹16.8384
25 May 2026	₹16.8364
22 May 2026	₹16.8035
21 May 2026	₹16.7878
20 May 2026	₹16.8025

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 - Pure Debt - Direct Plan - Growth Option is ₹16.8657. It's a Retirement Fund from ICICI Prudential, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth 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 - Pure Debt - Direct Plan - 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 - Pure Debt - Direct Plan - Growth Option has delivered a absolute return of 3.09% — +1.83 pp ahead of the Retirement Fund category average of 1.26%. The fund ranks #8 of 30 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option has delivered a CAGR of 6.64% — -5.01 pp behind the Retirement Fund category average of 11.65%. The fund ranks #25 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option has delivered a CAGR of 5.91% — -4.37 pp behind the Retirement Fund category average of 10.27%. The fund ranks #25 of 26 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹133,241 today — a multiplier of 1.33×, based on the 5-year CAGR of 5.91%. The category average over the same window would have grown ₹1 lakh to ₹163,065.

A ₹10,000 monthly SIP in ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹701,874 today. That's an XIRR (money-weighted annualised return) of 6.20%.

ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - 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 ₹1,052,431 — XIRR 6.34%.

On a 5-year basis, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option ranks #25 out of 26 funds in the Retirement Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.27%; this fund delivered 5.91%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option has experienced over the last 5-year window is 1.30% — its NAV fell from a high on 16 Dec 2021 to a low on 03 Feb 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 - Pure Debt - Direct Plan - Growth Option averaged 6.83% (best 7.86%, worst 5.91%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.45 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option returned 6.73% — beating the Retirement Fund category average of 5.89% by 0.85 pp. It ranked #10 of 30 in its category that year.

ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - 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 - Pure Debt - Direct Plan - 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: 1.3%. 5-year CAGR: 5.91%.

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

ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - 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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