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

We don't give personal investment advice. ICICI Prudential Retirement Fund - Pure Equity - 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: 16.9%. 5-year CAGR: 22.43%.

ICICI Prudential

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

Latest NAV

₹37.7000

As of

3 Jun 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	+0.11%	+0.22%	-0.11	16 / 23	Q3
1W	-1.74%	-0.85%	-0.90	21 / 23	Q4
2W	-0.16%	+0.26%	-0.42	22 / 23	Q4
1M	-1.95%	-0.63%	-1.32	22 / 23	Q4
3M	+2.11%	-0.35%	+2.46	4 / 23	Q1
6M	-0.08%	-2.60%	+2.52	7 / 23	Q2
YTD	-0.45%	-2.50%	+2.05	7 / 23	Q2
1Y	+10.42%	+0.11%	+10.31	2 / 23	Q1
2Y	+8.91%	+3.18%	+5.72	1 / 23	Q1
3Y	+23.99%	+9.35%	+14.63	1 / 20	Q1
4Y	+21.71%	+9.49%	+12.22	1 / 19	Q1
5Y	+22.43%	+8.43%	+14.00	1 / 19	Q1
7Y	+19.73%	+8.21%	+11.52	1 / 12	Q1
10Y	—	—	—	—	—
Inception	+20.05%	+9.54%	+10.51	1 / 23	Q1

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%	-2.50%	+2.05	7 / 23
2025	+14.90%	+4.83%	+10.07	1 / 23
2024	+24.84%	+11.40%	+13.44	2 / 21
2023	+39.33%	+19.27%	+20.06	1 / 20
2022	+3.54%	+2.24%	+1.31	7 / 19
2021	+48.48%	+15.66%	+32.82	1 / 15
2020	+12.45%	+11.58%	+0.88	9 / 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

+24.16%

77 windows

min -30.2% · max 78.7%

88% positive

3-Year rolling

+25.27%

53 windows

min 15.9% · max 33.8%

100% positive

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

5-Year rolling

+26.16%

28 windows

min 21.6% · max 31.5%

100% positive

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

7-Year rolling

+19.78%

4 windows

min 18.7% · max 20.6%

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

15.27%

3-year · annualised

Sharpe ratio

1.07

vs risk-free 6.5%

Sortino ratio

2.00

Downside-only deviation

Max drawdown

-16.86%

Sep 2024 → Feb 2025

% positive months

72.2%

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	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.7224	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹30.3800	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹12.8060	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹19.1980	3 Jun 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹17.9390	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
UTI Retirement Fund- Direct Plan	UTI	₹53.4109	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹19.3600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹37.7000
2 Jun 2026	₹37.7400
1 Jun 2026	₹37.7000
29 May 2026	₹38.1700
27 May 2026	₹38.6600
26 May 2026	₹38.4100
25 May 2026	₹38.3700
22 May 2026	₹38.0000
21 May 2026	₹37.9300
20 May 2026	₹37.9000

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 Equity - Direct Plan - IDCW Option is ₹37.7000. 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 Equity - Direct Plan - 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 - Pure Equity - 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 Equity - Direct Plan - IDCW Option has delivered a absolute return of 10.42% — +10.31 pp ahead of the Retirement Fund category average of 0.11%. The fund ranks #2 of 23 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - IDCW Option has delivered a CAGR of 23.99% — +14.63 pp ahead of the Retirement Fund category average of 9.35%. The fund ranks #1 of 20 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - IDCW Option has delivered a CAGR of 22.43% — +14 pp ahead of the Retirement Fund category average of 8.43%. The fund ranks #1 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹275,073 today — a multiplier of 2.75×, based on the 5-year CAGR of 22.43%. The category average over the same window would have grown ₹1 lakh to ₹149,851.

A ₹10,000 monthly SIP in ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹975,671 today. That's an XIRR (money-weighted annualised return) of 19.52%.

ICICI Prudential Retirement Fund - Pure Equity - 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 ₹1,847,670 — XIRR 22.12%.

On a 5-year basis, ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - IDCW Option ranks #1 out of 19 funds in the Retirement Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.43%; this fund delivered 22.43%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - IDCW Option has experienced over the last 5-year window is 16.86% — its NAV fell from a high on 26 Sep 2024 to a low on 28 Feb 2025. 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 Equity - Direct Plan - IDCW Option averaged 26.16% (best 31.48%, worst 21.62%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.02 — strong risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - IDCW Option returned 14.90% — beating the Retirement Fund category average of 4.83% by 10.07 pp. It ranked #1 of 23 in its category that year.

ICICI Prudential Retirement Fund - Pure Equity - 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 Equity - 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: 16.9%. 5-year CAGR: 22.43%.

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

ICICI Prudential Retirement Fund - Pure Equity - 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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