Q: What are the returns of ICICI Prudential Retirement Fund - Pure Debt Plan?

The ICICI Prudential Retirement Fund - Pure Debt Plan is a 6 yrs 5 m old fund and has delivered average annual returns of 6.65% since inception. ICICI Prudential Retirement Fund - Pure Debt Plan Returns 1-Year 3-Year 5-Year Since Inception 7.35% 6.69% 5.24% 6.65%

Question 1

What is the current NAV of ICICI Prudential Retirement Fund - Pure Debt Plan?

Accepted Answer

The current Net Asset Value (NAV) of the ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Growth plan is approximately ₹15.1406 as of Jul 30, 2025.

Question 2

What are the returns of ICICI Prudential Retirement Fund - Pure Debt Plan?

Accepted Answer

The ICICI Prudential Retirement Fund - Pure Debt Plan is a 6 yrs 5 m old fund and has delivered average annual returns of 6.65% since inception.

ICICI Prudential Retirement Fund - Pure Debt Plan Returns

1-Year	3-Year	5-Year	Since Inception
7.35%	6.69%	5.24%	6.65%

Question 3

How much does ICICI Prudential Retirement Fund - Pure Debt Plan charge as the expense ratio?

Accepted Answer

The ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Growth has an expense ratio of 2.17%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

Question 4

What is the AUM or size of ICICI Prudential Retirement Fund - Pure Debt Plan?

Accepted Answer

The ICICI Prudential Retirement Fund - Pure Debt Plan currently has assets under management (AUM) or fund size valued at approximately ₹106 Crs crore as of Jun 30, 2025.

Question 5

To whom does ICICI Prudential Retirement Fund - Pure Debt Plan lend to?

Accepted Answer

The top 3 debt holdings of ICICI Prudential Retirement Fund - Pure Debt Plan are as follows

Holding Name	Percentage of Portfolio
GOI	55.96%
Nirma Ltd.	6.7%
LIC Housing Finance Ltd.	4.97%

Question 6

What is the quality of borrowers ICICI Prudential Retirement Fund - Pure Debt Plan lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The ICICI Prudential Retirement Fund - Pure Debt Plan allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	55.96139134%
AAA	17.95699332%
AA+	10.50732534%

Question 7

What is the risk level of ICICI Prudential Retirement Fund - Pure Debt Plan?

Accepted Answer

This is a Retirement Solutions fund comes with Moderately High risk.

Question 8

Is there any lock-in period in ICICI Prudential Retirement Fund - Pure Debt Plan?

Accepted Answer

Yes, this fund comes with a mandatory lock-in period of 5 years.

Question 9

How do I invest in ICICI Prudential Retirement Fund - Pure Debt Plan - Growth?

Accepted Answer

ICICI Prudential Retirement Fund - Pure Debt Plan - Growth is the regular plan of the fund. For this plan of you pay 2.17% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 1.24%. That's 0.9299999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.9299999999999999% if you opt for direct plan of ICICI Prudential Retirement Fund - Pure Debt Plan

Question 10

How can I redeem my investments in ICICI Prudential Retirement Fund - Pure Debt Plan?

Accepted Answer

Redeeming your investments in ICICI Prudential Retirement Fund - Pure Debt Plan is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in ICICI Prudential Retirement Fund - Pure Debt Plan from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	2.17% as on May 31, 2025
Exit load	0%
AUM (Fund size)	₹106 Cr
Lock-in Period	5 Years
Age	6 yrs 5 m since Feb 07, 2019
Benchmark	NIFTY Composite Debt TRI
Min. investment	This scheme is currently not buyable
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Period	This fund	Category average
1 Month	0.23%	0.2%
3 Months	0.91%	0.84%
6 Months	3.89%	3.52%
1 Year	7.35%	6.74%
2 Years	7.13%	6.54%
3 Years	6.69%	6.1%
4 Years	5.54%	4.94%
5 Years	5.24%	4.57%

Fund name	1M	6M	1Y	3Y	5Y	10Y
ICICI Prudential Retirement Fund - Pure Debt Plan	0.23%	3.89%	7.35%	6.69%	5.24%	N.A.
ICICI Prudential Retirement Fund - Pure Debt Plan	0.3%	4.3%	8.32%	7.7%	6.43%	5.08%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	0.27%	3.56%	7.24%	6.71%	5.18%	3.67%

Fund name	Std. deviation	Beta	Sharpe	Sortino
ICICI Prudential Retirement Fund - Pure Debt Plan	0.99	0.52	0.34	0.56
ICICI Prudential Retirement Fund - Pure Debt Plan	0.99	0.52	1.3	2.18
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	1.22	2.2	0.36	0.53

Alpha	-0.2 vs. 7.19 Underperformed at beating benchmark
Sharpe	0.34 vs. 2.66 Poor risk-adjusted returns
Beta	0.52 vs. 1.35 Less sensitive to market ups & downs
Standard deviation	0.99 vs. 1.11 More stable returns

ICICI Prudential Retirement Fund - Pure Debt Plan - Growth

Historical NAV & returns

ICICI Prudential Retirement Fund - Pure Debt Plan overview

ICICI Prudential Retirement Fund - Pure Debt Plan Returns calculator

Trailing returns as on Aug 01, 2025

Asset allocationas on May 31, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

Compare ICICI Prudential Retirement Fund - Pure Debt Plan in detail with

About this fund

About ICICI Prudential Retirement Fund - Pure Debt Plan

Fund managers

Investment objective

ICICI Prudential Mutual Fund details

More funds from ICICI Prudential Mutual Fund

Frequently asked questions

ICICI Prudential Retirement Fund - Pure Debt Plan Returns

ET Money rank

Fund name	ETM Rank	AUM	Fund age	Expense ratio
ICICI Prudential Retirement Fund - Pure Debt Plan	N.A.	106 Cr	6 yrs 5 m	2.17%
ICICI Prudential Retirement Fund - Pure Debt Plan	N.A.	106 Cr	6 yrs 5 m	1.24%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	N.A.	17 Cr	6 yrs 5 m	0.84%

Fund AUM	106 Cr as on May 31, 2025
Scheme document	View Scheme Document

No. of schemes	97 view all schemes
Total AUM	9,83,726 Cr as on Jun 30, 2025
Address	One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai, 400051

Fund name	ETM Rank	AUM	1Y	3Y
ICICI Prudential Income Plus Arbitrage Active FoF	N.A.	594 Cr	7.0%	12.59%
ICICI Prudential Gilt Fund	N.A.	7,347 Cr	9.66%	9.2%
ICICI Prudential All Seasons Bond Fund	N.A.	14,981 Cr	9.71%	8.94%
ICICI Prudential Floating Interest Fund	N.A.	7,429 Cr	8.73%	8.86%
ICICI Prudential Long Term Bond Fund	N.A.	1,230 Cr	9.57%	8.75%
ICICI Prudential Credit Risk Fund	N.A.	6,135 Cr	9.83%	8.71%