ICICI Pru Retirement Fund Pure Equity Plan
The scheme seeks to generate long-term capital appreciation and income generation to investors from a portfolio that is predominantly invested in equity and equity related securities.
Growthvine rating: 5/5 — ranked #1 of 10 in category.
Fund basics
| Category | Solution: Retirement Equity |
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| NAV | ₹34.77 (as of 2026-09-11) |
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| AUM | ₹2,096 Cr |
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| Expense ratio | 1.75% |
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| Riskometer | Very High |
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| Fund manager | Darshil Dedhia |
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| Exit load | 0 |
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Performance & risk
| 5-year annualised return | 18.55% |
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| Sharpe ratio | 0.85 |
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| Standard deviation | 16.13% |
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| Max drawdown | -37.40% |
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| Alpha | 7.92 |
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| Beta | 1.02 |
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Over 5 years, captured 110.7% of Nifty 500's upside and 72.9% of its downside.
Market cap allocation
| Large cap | 52.8% |
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| Mid cap | 24.9% |
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| Small cap | 22.3% |
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Concentration
| Top 5 holdings | 19.0% |
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| Top 10 holdings | 30.6% |
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| Total holdings | 93 |
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Top holdings
- TREPS — 6.2%
- HDFC Bank Ltd. — 5.3%
- Reliance Industries Ltd — 4.4%
- Hindustan Unilever Ltd. — 3.8%
- Multi Commodity Exchange of India Ltd — 2.9%
- Bharti Airtel Ltd. — 2.7%
- ICICI Bank Ltd. — 2.5%
- Britannia Industries Ltd. — 2.4%
- Avenue Supermarts Limited — 2.3%
- Mahindra & Mahindra Ltd. — 2.3%
Top sectors
- Banking & Financial — 14.1%
- Electricals — 8.5%
- Retail — 7.7%
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | 1.8% | Q2 | #5 of 10 |
| 2025 | 14.0% | Q1 (Top) | #1 of 10 |
| 2024 | 23.4% | Q1 (Top) | #1 of 8 |
| 2023 | 38.1% | Q1 (Top) | #1 of 8 |
| 2022 | 2.1% | Q2 | #3 of 7 |