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

We don't give personal investment advice. ICICI Prudential Retirement Fund - Pure Equity - 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: 17.3%. 5-year CAGR: 20.19%.

ICICI Prudential

ICICI Prudential Retirement Fund - Pure Equity - IDCW Option

Latest NAV

₹35.2200

As of

17 Jul 2026

1,816 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	+0.00%	+0.10%	-0.10	7 / 9	Q4
1W	+0.00%	-0.09%	+0.09	3 / 9	Q2
2W	+0.54%	+0.07%	+0.47	2 / 9	Q1
1M	+0.80%	+0.96%	-0.16	8 / 9	Q4
3M	+2.62%	+1.79%	+0.84	2 / 9	Q1
6M	+4.23%	+0.69%	+3.54	1 / 9	Q1
YTD	+3.01%	-0.09%	+3.10	1 / 9	Q1
1Y	+6.47%	+0.87%	+5.60	2 / 9	Q1
2Y	+7.46%	+2.40%	+5.06	1 / 9	Q1
3Y	+20.78%	+9.01%	+11.77	1 / 9	Q1
4Y	+21.00%	+9.99%	+11.01	1 / 9	Q1
5Y	+20.19%	+8.50%	+11.70	1 / 9	Q1
7Y	+19.12%	+8.66%	+10.46	1 / 9	Q1
10Y	—	—	—	—	—
Inception	+18.57%	+8.22%	+10.35	1 / 9	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	+3.01%	-0.09%	+3.10	1 / 9
2025	+13.38%	+4.73%	+8.65	1 / 9
2024	+23.00%	+12.35%	+10.64	1 / 9
2023	+37.57%	+17.85%	+19.72	1 / 9
2022	+2.09%	+1.57%	+0.52	4 / 9
2021	+46.55%	+16.36%	+30.20	1 / 9
2020	+10.49%	+7.53%	+2.96	4 / 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

+22.72%

78 windows

min -25.2% · max 69.4%

87% positive

3-Year rolling

+24.03%

54 windows

min 14.7% · max 33.1%

100% positive

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

5-Year rolling

+24.41%

30 windows

min 20.0% · max 31.8%

100% positive

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

7-Year rolling

+18.47%

5 windows

min 17.4% · max 19.1%

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

14.34%

3-year · annualised

Sharpe ratio

0.94

vs risk-free 6.5%

Sortino ratio

1.81

Downside-only deviation

Max drawdown

-17.34%

Sep 2024 → Feb 2025

% positive months

66.7%

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 - 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	₹35.2200
16 Jul 2026	₹35.2200
15 Jul 2026	₹35.1700
14 Jul 2026	₹34.9800
13 Jul 2026	₹35.1800
10 Jul 2026	₹35.2200
9 Jul 2026	₹34.8600
8 Jul 2026	₹34.5000
7 Jul 2026	₹35.1100
6 Jul 2026	₹35.2700

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 Equity - IDCW Option is ₹35.2200. 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 Equity - 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 Equity - 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 - IDCW Option has delivered a absolute return of 6.47% — +5.6 pp ahead of the Retirement Fund category average of 0.87%. The fund ranks #2 of 9 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Retirement Fund - Pure Equity - IDCW Option has delivered a CAGR of 20.78% — +11.77 pp ahead of the Retirement Fund category average of 9.01%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Retirement Fund - Pure Equity - IDCW Option has delivered a CAGR of 20.19% — +11.7 pp ahead of the Retirement Fund category average of 8.50%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Retirement Fund - Pure Equity - IDCW Option exactly 5 years ago would be worth approximately ₹250,855 today — a multiplier of 2.51×, based on the 5-year CAGR of 20.19%. 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 Equity - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹950,359 today. That's an XIRR (money-weighted annualised return) of 18.45%.

ICICI Prudential Retirement Fund - Pure Equity - 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 ₹1,772,515 — XIRR 20.96%.

On a 5-year basis, ICICI Prudential Retirement Fund - Pure Equity - IDCW Option ranks #1 out of 9 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 8.50%; this fund delivered 20.19%.

The worst peak-to-trough decline ICICI Prudential Retirement Fund - Pure Equity - IDCW Option has experienced over the last 5-year window is 17.34% — 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 - IDCW Option averaged 24.41% (best 31.79%, worst 20.01%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.91 — reasonable risk-adjusted performance.

In calendar year 2025, ICICI Prudential Retirement Fund - Pure Equity - IDCW Option returned 13.38% — beating the Retirement Fund category average of 4.73% by 8.65 pp. It ranked #1 of 9 in its category that year.

ICICI Prudential Retirement Fund - Pure Equity - 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 - 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: 17.3%. 5-year CAGR: 20.19%.

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 - 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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