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

We don't give personal investment advice. ICICI Prudential Retirement Fund - Pure Debt - 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: 1.5%. 5-year CAGR: 5.18%.

ICICI Prudential

ICICI Prudential Retirement Fund - Pure Debt - IDCW Option

Latest NAV

₹15.6792

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%	+0.10%	-0.15	9 / 9	Q4
1W	-0.15%	-0.09%	-0.06	7 / 9	Q4
2W	-0.14%	+0.07%	-0.21	7 / 9	Q4
1M	+0.81%	+0.96%	-0.15	7 / 9	Q4
3M	+1.65%	+1.79%	-0.14	5 / 9	Q3
6M	+2.57%	+0.69%	+1.87	3 / 9	Q2
YTD	+2.31%	-0.09%	+2.40	2 / 9	Q1
1Y	+3.54%	+0.87%	+2.67	4 / 9	Q2
2Y	+5.70%	+2.40%	+3.31	4 / 9	Q2
3Y	+5.97%	+9.01%	-3.04	7 / 9	Q4
4Y	+6.03%	+9.99%	-3.97	8 / 9	Q4
5Y	+5.18%	+8.50%	-3.32	8 / 9	Q4
7Y	+5.83%	+8.66%	-2.82	6 / 9	Q3
10Y	—	—	—	—	—
Inception	+6.26%	+8.22%	-1.96	6 / 9	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	+2.31%	-0.09%	+2.40	2 / 9
2025	+5.81%	+4.73%	+1.08	5 / 9
2024	+7.22%	+12.35%	-5.13	8 / 9
2023	+6.07%	+17.85%	-11.78	9 / 9
2022	+2.79%	+1.57%	+1.22	3 / 9
2021	+2.97%	+16.36%	-13.39	8 / 9
2020	+9.97%	+7.53%	+2.44	6 / 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

+5.98%

78 windows

min 1.3% · max 11.2%

100% positive

3-Year rolling

+5.45%

54 windows

min 3.8% · max 7.3%

100% positive

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

5-Year rolling

+5.59%

30 windows

min 4.8% · max 6.4%

100% positive

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

7-Year rolling

+6.04%

5 windows

min 5.8% · max 6.2%

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

1.49%

3-year · annualised

Sharpe ratio

-0.44

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.13%

Mar 2026 → Apr 2026

% positive months

86.1%

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	₹20.4107	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - IDCW Option	ICICI Prudential	₹27.9700	17 Jul 2026
Templeton India Pension Plan-Dividend	Franklin Templeton	₹16.6314	17 Jul 2026
UTI - Retirement Benefit Pension Fund	UTI	₹50.7434	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.6792
16 Jul 2026	₹15.6858
15 Jul 2026	₹15.6697
14 Jul 2026	₹15.6621
13 Jul 2026	₹15.7022
10 Jul 2026	₹15.7032
9 Jul 2026	₹15.6848
8 Jul 2026	₹15.6768
7 Jul 2026	₹15.7114
6 Jul 2026	₹15.7139

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 - IDCW Option is ₹15.6792. 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 - Pure Debt - 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 - 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 - IDCW Option has delivered a absolute return of 3.54% — +2.67 pp ahead of the Retirement Fund category average of 0.87%. The fund ranks #4 of 9 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Pure Debt - IDCW Option has delivered a CAGR of 5.97% — -3.04 pp behind the Retirement Fund category average of 9.01%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Pure Debt - IDCW Option has delivered a CAGR of 5.18% — -3.32 pp behind the Retirement Fund category average of 8.50%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Pure Debt - IDCW Option exactly 5 years ago would be worth approximately ₹128,714 today — a multiplier of 1.29×, based on the 5-year CAGR of 5.18%. The category average over the same window would have grown ₹1 lakh to ₹150,333.

A ₹10,000 monthly SIP in ICICI Prudential Retirement Fund - Pure Debt - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹691,633 today. That's an XIRR (money-weighted annualised return) of 5.62%.

ICICI Prudential Retirement Fund - Pure Debt - 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 ₹1,021,450 — XIRR 5.50%.

On a 5-year basis, ICICI Prudential Retirement Fund - Pure Debt - IDCW Option ranks #8 out of 9 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 8.50%; this fund delivered 5.18%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Pure Debt - IDCW Option has experienced over the last 5-year window is 1.47% — its NAV fell from a high on 14 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 - IDCW Option averaged 5.59% (best 6.38%, worst 4.76%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.93 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Pure Debt - IDCW Option returned 5.81% — beating the Retirement Fund category average of 4.73% by 1.08 pp. It ranked #5 of 9 in its category that year.

ICICI Prudential Retirement Fund - Pure Debt - 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 - 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: 1.5%. 5-year CAGR: 5.18%.

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 - 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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