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 - 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: 1.3%. 5-year CAGR: 6.21%.

ICICI Prudential

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

Latest NAV

₹17.1755

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	-0.04%	+0.13%	-0.17	22 / 23	Q4
1W	-0.14%	-0.04%	-0.09	16 / 23	Q3
2W	-0.11%	-0.77%	+0.67	17 / 23	Q3
1M	+0.89%	+0.41%	+0.48	17 / 23	Q3
3M	+1.88%	+1.93%	-0.04	15 / 23	Q3
6M	+3.04%	+1.13%	+1.91	6 / 23	Q2
YTD	+2.83%	+0.09%	+2.73	6 / 23	Q2
1Y	+4.51%	+0.68%	+3.83	7 / 23	Q2
2Y	+6.68%	+2.40%	+4.28	4 / 23	Q1
3Y	+6.98%	+8.63%	-1.65	14 / 20	Q3
4Y	+7.03%	+9.86%	-2.82	15 / 19	Q4
5Y	+6.21%	+8.42%	-2.21	14 / 19	Q3
7Y	+7.10%	+8.89%	-1.78	8 / 12	Q3
10Y	—	—	—	—	—
Inception	+7.58%	+9.90%	-2.32	18 / 23	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	+2.83%	+0.09%	+2.73	6 / 23
2025	+6.74%	+4.83%	+1.91	8 / 23
2024	+8.35%	+11.40%	-3.05	16 / 21
2023	+7.03%	+19.27%	-12.24	18 / 20
2022	+3.72%	+2.24%	+1.49	6 / 19
2021	+4.59%	+15.66%	-11.07	12 / 15
2020	+11.89%	+11.58%	+0.31	10 / 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

+7.27%

78 windows

min 2.4% · max 13.2%

100% positive

3-Year rolling

+6.67%

54 windows

min 5.0% · max 9.1%

100% positive

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

5-Year rolling

+6.83%

30 windows

min 5.8% · max 7.8%

100% positive

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

7-Year rolling

+7.34%

5 windows

min 7.1% · max 7.6%

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

1.50%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

—

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
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	₹17.1755
16 Jul 2026	₹17.1823
15 Jul 2026	₹17.1643
14 Jul 2026	₹17.1555
13 Jul 2026	₹17.1989
10 Jul 2026	₹17.1988
9 Jul 2026	₹17.1781
8 Jul 2026	₹17.1690
7 Jul 2026	₹17.2064
6 Jul 2026	₹17.2088

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 - Pure Debt - Direct Plan - IDCW Option is ₹17.1755. 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 - Pure Debt - 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 - Pure Debt - 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 - Pure Debt - Direct Plan - IDCW Option has delivered a absolute return of 4.51% — +3.83 pp ahead of the Retirement Fund category average of 0.68%. The fund ranks #7 of 23 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - IDCW Option has delivered a CAGR of 6.98% — -1.65 pp behind the Retirement Fund category average of 8.63%. The fund ranks #14 of 20 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - IDCW Option has delivered a CAGR of 6.21% — -2.21 pp behind the Retirement Fund category average of 8.42%. The fund ranks #14 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹135,162 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.21%. 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 - Pure Debt - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹709,223 today. That's an XIRR (money-weighted annualised return) of 6.62%.

ICICI Prudential Retirement Fund - Pure Debt - 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 ₹1,061,971 — XIRR 6.59%.

On a 5-year basis, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - IDCW Option ranks #14 out of 19 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 8.42%; this fund delivered 6.21%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - IDCW 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 - IDCW Option averaged 6.83% (best 7.84%, worst 5.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.28 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - IDCW Option returned 6.74% — beating the Retirement Fund category average of 4.83% by 1.91 pp. It ranked #8 of 23 in its category that year.

ICICI Prudential Retirement Fund - Pure Debt - 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 - Pure Debt - 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: 1.3%. 5-year CAGR: 6.21%.

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 - 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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