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: 20.79%.

ICICI Prudential

ICICI Prudential Retirement Fund - Pure Equity - IDCW Option

Latest NAV

₹33.8200

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	+0.12%	+0.10%	+0.02	4 / 9	Q2
1W	-1.74%	-0.70%	-1.04	8 / 9	Q4
2W	-0.18%	+0.13%	-0.30	9 / 9	Q4
1M	-2.03%	-0.71%	-1.31	9 / 9	Q4
3M	+1.77%	-0.54%	+2.31	2 / 9	Q1
6M	-0.73%	-3.43%	+2.69	4 / 9	Q2
YTD	-0.97%	-2.88%	+1.92	4 / 9	Q2
1Y	+8.98%	+0.26%	+8.72	2 / 9	Q1
2Y	+7.45%	+2.69%	+4.76	1 / 9	Q1
3Y	+22.32%	+9.44%	+12.88	1 / 9	Q1
4Y	+20.07%	+9.33%	+10.74	1 / 9	Q1
5Y	+20.79%	+8.28%	+12.51	1 / 9	Q1
7Y	+17.98%	+8.09%	+9.89	1 / 9	Q1
10Y	—	—	—	—	—
Inception	+18.27%	+8.03%	+10.23	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	-0.97%	-2.88%	+1.92	4 / 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

+22.37%

77 windows

min -31.7% · max 76.1%

84% positive

3-Year rolling

+23.51%

53 windows

min 14.0% · max 31.9%

100% positive

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

5-Year rolling

+24.38%

28 windows

min 20.0% · max 29.7%

100% positive

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

7-Year rolling

+18.01%

4 windows

min 17.0% · max 18.8%

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

15.26%

3-year · annualised

Sharpe ratio

0.98

vs risk-free 6.5%

Sortino ratio

1.80

Downside-only deviation

Max drawdown

-17.34%

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 - IDCW Option	Nippon India	₹19.7455	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - IDCW Option	ICICI Prudential	₹27.1600	3 Jun 2026
Templeton India Pension Plan-Dividend	Franklin Templeton	₹16.2297	3 Jun 2026
UTI - Retirement Benefit Pension Fund	UTI	₹49.2493	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹33.8200
2 Jun 2026	₹33.8600
1 Jun 2026	₹33.8200
29 May 2026	₹34.2500
27 May 2026	₹34.6900
26 May 2026	₹34.4600
25 May 2026	₹34.4300
22 May 2026	₹34.1000
21 May 2026	₹34.0400
20 May 2026	₹34.0100

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 - IDCW Option is ₹33.8200. 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 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 - 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 8.98% — +8.72 pp ahead of the Retirement Fund category average of 0.26%. 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 22.32% — +12.88 pp ahead of the Retirement Fund category average of 9.44%. 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 20.79% — +12.51 pp ahead of the Retirement Fund category average of 8.28%. 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 ₹257,099 today — a multiplier of 2.57×, based on the 5-year CAGR of 20.79%. The category average over the same window would have grown ₹1 lakh to ₹148,825.

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 ₹937,196 today. That's an XIRR (money-weighted annualised return) of 17.87%.

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 ₹1,738,139 — XIRR 20.40%.

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 8.28%; this fund delivered 20.79%.

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 24.38% (best 29.67%, worst 19.97%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.93 — 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: 20.79%.

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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