ICICI Prudential Retirement Fund - Pure Debt Plan

Q: What are the returns of this mutual fund scheme?

The ICICI Prudential Retirement Fund - Pure Debt Plan is a 6 yrs 8 m old fund and has delivered average annual returns of 6.52% since inception. ICICI Prudential Retirement Fund - Pure Debt Plan Returns 1-Year 3-Year 5-Year Since Inception 6.36% 6.51% 5.06% 6.52%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹15.2609-0.02% 1 day change	6.52% p.a.	App exclusive #NA View Ranked Funds	₹98 Cr

Historical NAV & returns

NAV: ₹15.2609 as on Oct 20, 2025

This fund Category average

ICICI Prudential Retirement Fund - Pure Debt Plan overview

AUM (Fund size)	₹98 Cr
Exit load	0%
Lock-in Period	5 Years
Age	6 yrs 8 m since Feb 07, 2019
Benchmark	NIFTY Composite Debt Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	2.17% as on Sep 30, 2025
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

ICICI Prudential Retirement Fund - Pure Debt Plan Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 26, 2025

Period	This fund	Category average
1 Month	0.5%	0.48%
3 Months	0.75%	0.71%
6 Months	1.84%	1.77%
1 Year	6.36%	5.86%
2 Years	6.91%	6.5%
3 Years	6.51%	6.09%
4 Years	5.43%	4.85%
5 Years	5.06%	4.46%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 52.25476663%

AAA 15.77427206%

AA+ 11.38518676%

AA 11.30692125%

Top Debt Holdings

GOI 52.25%

Nirma Ltd. 7.22%

LIC Housing Finance Ltd. 5.35%

Muthoot Finance Ltd. 5.16%

Allocation by Instruments

GOI Securities 52.25476663%

Debenture 31.211533630000005%

Bonds 9.19548475%

Non Convertible Debenture 3.1388752%

Other Holdings

Others 3.0%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
ICICI Prudential Retirement Fund - Pure Debt Plan	0.5%	1.84%	6.36%	6.51%	5.06%	N.A.
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	0.46%	1.69%	5.35%	5.67%	3.85%	2.9%

Fund name	Std. deviation	Beta	Sharpe	Sortino
ICICI Prudential Retirement Fund - Pure Debt Plan	1.1	0.56	-0.03	-0.03
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	1.15	2.68	-0.74	-1.18

Fund name	ETM Rank	AUM	Fund age	Expense ratio
ICICI Prudential Retirement Fund - Pure Debt Plan	N.A.	98 Cr	6 yrs 8 m	2.17%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	N.A.	17 Cr	6 yrs 8 m	2.07%

View all Retirement Solutions funds

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

Alpha	-0.4 vs. 5.87 Underperformed at beating benchmark
Sharpe	-0.03 vs. 1.79 Poor risk-adjusted returns
Beta	0.56 vs. -0.61 More sensitive to market's ups & downs
Standard deviation	1.1 vs. 1.12 More stable returns

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

About this fund

About ICICI Prudential Retirement Fund - Pure Debt Plan

ICICI Prudential Retirement Fund - Pure Debt Plan is a Retirement Solutions mutual fund scheme from Icici Prudential Mutual Fund. This fund has been in existence for 6 yrs 8 m, having been launched on 07/02/2019. ICICI Prudential Retirement Fund - Pure Debt Plan has ₹98 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of ICICI Prudential Retirement Fund - Pure Debt Plan as of 20/10/2025 is ₹15.26. The fund has an expense ratio of 2.17%, which is higher than what most other Retirement Solutions funds charge.

ICICI Prudential Retirement Fund - Pure Debt Plan returns of last 1-year are 6.46%. Since launch, it has delivered 6.56% average annual returns.
ICICI Prudential Retirement Fund - Pure Debt Plan scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is moderate indicating it has lent to borrowers whose quality is good. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Nirma Ltd., LIC Housing Finance Ltd., Muthoot Finance Ltd., Summit Digitel Infrastructure Pvt. Ltd..

...

Fund AUM	98 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Rohit Lakhotia

Mr. Lakhotia has done B.Tech from NIT(Rourkela) and MBA from National Institute of Industrial Engineering Prior to joining ICICI Prudential Mutual Fund, he has worked with Yes Bank and Samsung Electronics

Darshil Dedhia

Mr. Dedhia has done CA and CFA. He has been working with ICICI Prudential Mutual Fund since 2013.

Investment objective

The scheme seeks to generate income through investing in a range of debt and money market instruments of various duration while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Mutual Fund details

No. of schemes	103 view all schemes
Total AUM	10,60,747 Cr as on Sep 30, 2025
Address	One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai, 400051

More funds from ICICI Prudential Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
ICICI Prudential Income Plus Arbitrage Active FoF	N.A.	1,820 Cr	6.0%	11.26%
ICICI Prudential Nifty G-Sec Dec 2030 Index Fund	N.A.	903 Cr	8.7%	8.54%
ICICI Prudential Constant Maturity Gilt Fund	N.A.	2,585 Cr	8.38%	8.5%
ICICI Prudential Credit Risk Fund	N.A.	5,994 Cr	9.1%	8.39%
ICICI Prudential Nifty SDL Dec 2028 Index Fund	N.A.	879 Cr	8.08%	8.12%
ICICI Prudential Medium Term Bond Fund	N.A.	5,734 Cr	9.12%	8.04%

See all Debt funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the ICICI Prudential Retirement Fund - Pure Debt Plan plan is approximately ₹15.2609 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The ICICI Prudential Retirement Fund - Pure Debt Plan is a 6 yrs 8 m old fund and has delivered average annual returns of 6.52% since inception.

ICICI Prudential Retirement Fund - Pure Debt Plan Returns

1-Year	3-Year	5-Year	Since Inception
6.36%	6.51%	5.06%	6.52%

How much does this mutual fund charge as expense ratio?

The ICICI Prudential Retirement Fund - Pure Debt Plan has an expense ratio of 2.17%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The ICICI Prudential Retirement Fund - Pure Debt Plan currently has assets under management (AUM) or fund size valued at approximately 98 Cr as on Sep 30, 2025.

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

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

Holding Name	Percentage of Portfolio
GOI	52.25%
Nirma Ltd.	7.22%
LIC Housing Finance Ltd.	5.35%

What is the quality of borrowers this mutual fund scheme lends to?

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	52.25476663%
AAA	15.77427206%
AA+	11.38518676%

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

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

Is there any lock-in period in this mutual fund?

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

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

Redeeming your investments in the ICICI Prudential Retirement Fund - Pure Debt Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Retirement Solutions

#NA

Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 5 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.