ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth

Fund Overview

Fund Size

₹90 Cr

Expense Ratio

0.94%

ISIN

INF109KC1UA8

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

28 Feb 2019

About this fund

ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth is a Retirement mutual fund schemes offered by ICICI Prudential Mutual Fund. This fund has been in existence for 6 years, 10 months and 22 days, having been launched on 28-Feb-19.
As of 16-Jan-26, it has a Net Asset Value (NAV) of ₹19.69, Assets Under Management (AUM) of 90.02 Crores, and an expense ratio of 0.94%.

ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth has given a CAGR return of 10.33% since inception.
The fund's asset allocation comprises around 23.18% in equities, 62.73% in debts, and 14.09% in cash & cash equivalents.
You can start investing in ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+11.47%

— (Cat Avg.)

3 Years

+12.50%

— (Cat Avg.)

5 Years

+9.49%

— (Cat Avg.)

Since Inception

+10.33%

— (Cat Avg.)

Portfolio Summaryas of 31st December 2025

Equity	₹20.87 Cr	23.18%
Debt	₹56.47 Cr	62.73%
Others	₹12.68 Cr	14.09%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Treps	Cash - Repurchase Agreement	₹11.27 Cr	12.52%
6.79% Govt Stock 2034	Bond - Gov't/Treasury	₹8.58 Cr	9.53%
7.34% Govt Stock 2064	Bond - Gov't/Treasury	₹5.98 Cr	6.65%
7.1% Govt Stock 2034	Bond - Gov't/Treasury	₹5.14 Cr	5.71%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹5.07 Cr	5.64%
Summit Digitel Infrastructure Limited	Bond - Corporate Bond	₹5 Cr	5.55%
Power Finance Corporation Limited	Bond - Corporate Bond	₹4.99 Cr	5.54%
6.48% Govt Stock 2035	Bond - Gov't/Treasury	₹4.96 Cr	5.51%
Nirma Limited	Bond - Corporate Bond	₹3.53 Cr	3.92%
Power Finance Corporation Limited	Bond - Corporate Bond	₹2.06 Cr	2.28%
Vedanta Limited	Bond - Corporate Bond	₹2.01 Cr	2.23%
Yes Bank Limited	Bond - Corporate Bond	₹1.99 Cr	2.21%
Mahindra & Mahindra Ltd	Equity	₹1.85 Cr	2.06%
INDIA UNIVERSAL TRUST AL1	Bond - Asset Backed	₹1.85 Cr	2.06%
UltraTech Cement Ltd	Equity	₹1.82 Cr	2.03%
Bharti Hexacom Ltd	Equity	₹1.82 Cr	2.02%
National Aluminium Co Ltd	Equity	₹1.68 Cr	1.86%
6.54% Govt Stock 2034	Bond - Gov't/Treasury	₹1.66 Cr	1.84%
Muthoot Finance Ltd	Equity	₹1.46 Cr	1.62%
InterGlobe Aviation Ltd	Equity	₹1.44 Cr	1.60%
Net Current Assets	Cash	₹1.41 Cr	1.57%
Multi Commodity Exchange of India Ltd	Equity	₹1.37 Cr	1.52%
JSW Steel Ltd	Equity	₹1.31 Cr	1.46%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹1.31 Cr	1.46%
Vedanta Ltd	Equity	₹1.21 Cr	1.34%
Tech Mahindra Ltd	Equity	₹1.19 Cr	1.32%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹1.01 Cr	1.12%
ICICI Bank Ltd	Equity	₹0.9 Cr	1.00%
Pfizer Ltd	Equity	₹0.87 Cr	0.97%
Jindal Steel Ltd	Equity	₹0.84 Cr	0.94%
INDIA UNIVERSAL TRUST AL1	Bond - Asset Backed	₹0.83 Cr	0.92%
Samvardhana Motherson International Ltd	Equity	₹0.72 Cr	0.80%
Akzo Nobel India Ltd	Equity	₹0.68 Cr	0.75%
UNO Minda Ltd	Equity	₹0.64 Cr	0.71%
INDIA UNIVERSAL TRUST AL1	Bond - Asset Backed	₹0.51 Cr	0.56%
Larsen & Toubro Ltd	Equity	₹0.44 Cr	0.49%
Jindal Stainless Ltd	Equity	₹0.42 Cr	0.47%
Rategain Travel Technologies Ltd	Equity	₹0.13 Cr	0.15%
Sagar Cements Ltd	Equity	₹0.07 Cr	0.08%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Basic Materials	₹8.03 Cr	8.92%
Financial Services	₹3.73 Cr	4.14%
Consumer Cyclical	₹3.22 Cr	3.57%
Industrials	₹1.88 Cr	2.09%
Communication Services	₹1.82 Cr	2.02%
Technology	₹1.32 Cr	1.47%
Healthcare	₹0.87 Cr	0.97%

Risk & Performance Ratios

Fund Managers

Sharmila D’mello

Since July 2022

Darshil Dedhia

Since January 2024

Rohit Lakhotia

Since June 2023

Manasvi Shah

Since August 2025

Additional Scheme Detailsas of 31st December 2025

ISIN

INF109KC1UA8

Expense Ratio

0.94%

Exit Load

No Charges

Fund Size

₹90 Cr

Age

6 years 10 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

Nifty 50 Hybrid Com Debt 15:85 Co TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

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PGIM India Retirement Fund Direct Growth Very High Risk	0.7%	0.0%	₹96.45 Cr	5.1%
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Bandhan Retirement Fund Regular Growth Moderately High risk	2.4%	0.0%	₹187.52 Cr	7.3%
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Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk	1.0%	0.0%	₹148.78 Cr	4.5%
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Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk	1.0%	0.0%	₹3194.00 Cr	5.0%
ICICI Prudential Retirement Fund Pure Debt Plan Regular Growth Moderately High risk	2.2%	0.0%	₹91.00 Cr	5.3%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth Very High Risk	0.7%	0.0%	₹1082.38 Cr	16.8%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth Very High Risk	0.7%	0.0%	₹1642.46 Cr	18.0%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Regular Growth Very High Risk	2.1%	0.0%	₹1082.38 Cr	15.2%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth Moderately High risk	0.9%	0.0%	₹90.02 Cr	11.5%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth Moderately High risk	1.2%	0.0%	₹91.00 Cr	6.2%
ICICI Prudential Retirement Fund Pure Equity Plan Regular Growth Very High Risk	2.0%	0.0%	₹1642.46 Cr	16.5%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth Moderately High risk	2.1%	0.0%	₹90.02 Cr	10.1%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.6%	1.0%	₹2165.77 Cr	4.6%
Tata Retirement Savings Conservative Fund Direct Growth Moderately High risk	1.0%	1.0%	₹172.98 Cr	5.3%
Tata Retirement Savings Progressive Fund Direct Growth Very High Risk	0.5%	1.0%	₹2107.80 Cr	2.5%
Franklin India Pension Plan Direct Growth Moderately High risk	1.5%	3.0%	₹517.39 Cr	5.4%
SBI Retirement Benefit Fund - Aggressive Plan Regular Growth Very High Risk	1.9%	0.0%	₹3161.99 Cr	5.0%
SBI Retirement Benefit Fund - Aggressive Plan Direct Growth Very High Risk	0.9%	0.0%	₹3161.99 Cr	6.1%
SBI Retirement Benefit Fund - Conservative Plan Regular Growth Moderately High risk	1.4%	0.0%	₹174.34 Cr	4.8%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth Very High Risk	1.1%	0.0%	₹1696.70 Cr	8.3%
SBI Retirement Benefit Fund - Conservative Plan Direct Growth Moderately High risk	0.9%	0.0%	₹174.34 Cr	5.2%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Regular Growth Very High Risk	2.1%	0.0%	₹1696.70 Cr	7.2%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth Very High Risk	1.2%	0.0%	₹431.14 Cr	12.7%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular Growth Very High Risk	2.4%	0.0%	₹431.14 Cr	11.2%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Direct Growth Moderate Risk	0.8%	0.0%	₹16.75 Cr	5.7%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth Very High Risk	1.0%	0.0%	₹115.62 Cr	8.8%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth Very High Risk	2.4%	0.0%	₹115.62 Cr	7.3%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular Growth Moderate Risk	2.1%	0.0%	₹16.75 Cr	4.6%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct Growth Moderate Risk	0.6%	0.0%	₹26.49 Cr	7.7%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth Moderate Risk	1.9%	0.0%	₹26.49 Cr	6.3%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Moderately High risk	1.7%	0.0%	₹284.45 Cr	4.7%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth Moderately High risk	1.2%	0.0%	₹284.45 Cr	5.2%
Union Retirement Fund Regular Growth Very High Risk	2.4%	0.0%	₹191.83 Cr	9.3%
Union Retirement Fund Direct Growth Very High Risk	1.1%	0.0%	₹191.83 Cr	10.7%
Franklin India Pension Plan Regular Growth Moderately High risk	2.3%	3.0%	₹517.39 Cr	4.6%
Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk	2.1%	0.0%	₹53.22 Cr	5.1%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth High Risk	1.2%	0.0%	₹306.43 Cr	3.3%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth High Risk	2.4%	0.0%	₹306.43 Cr	2.1%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth High Risk	1.1%	0.0%	₹755.92 Cr	6.0%
Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk	1.2%	0.0%	₹53.22 Cr	6.3%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth High Risk	2.3%	0.0%	₹755.92 Cr	4.7%
Tata Retirement Savings Progressive Fund Regular Growth Very High Risk	2.0%	1.0%	₹2107.80 Cr	1.0%
Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk	2.2%	1.0%	₹172.98 Cr	4.1%
Tata Retirement Savings Moderate Fund Regular Growth Very High Risk	2.0%	1.0%	₹2165.77 Cr	3.1%

About the AMC

ICICI Prudential Mutual Fund

+91 22 26428000

https://www.icicipruamc.com/

Total AUM

₹11,35,842 Cr

Address

3rd Floor, Hallmark Business Plaza, Mumbai, 400 051

Other Funds by ICICI Prudential Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
ICICI Prudential Conglomerate Fund Direct Growth Moderately High risk	1.1%	1.0%	₹877.10 Cr	-
ICICI Prudential Active Momentum Fund Direct Growth Moderate Risk	1.0%	1.0%	₹1438.36 Cr	-
ICICI Prudential Nifty Private Bank Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹20.77 Cr	-
ICICI Prudential Nifty Top 15 Equal Weight Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹26.63 Cr	-
ICICI Prudential Nifty200 Quality 30 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹22.85 Cr	-
ICICI Prudential Quality Fund Direct Growth Very High Risk	0.8%	1.0%	₹2316.38 Cr	-
ICICI Prudential Nifty EV & New Age Automotive ETF FOF Direct Growth Very High Risk	0.6%	0.0%	₹32.05 Cr	-
ICICI Prudential CRISIL-IBX Financial Services 3-6 Months Debt Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹443.73 Cr	-
ICICI Prudential CRISIL-IBX AAA Bond Financial Services Index - Dec 2026 Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹8.51 Cr	-
ICICI Prudential Rural Opportunities Fund Direct Growth Moderate Risk	0.9%	1.0%	₹2289.94 Cr	-
ICICI Prudential Nifty 500 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹63.22 Cr	8.8%
ICICI Prudential Equity Minimum Variance Fund Direct Growth Very High Risk	0.7%	1.0%	₹3843.27 Cr	13.7%
ICICI Prudential Nifty200 Value 30 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹115.38 Cr	27.1%
ICICI Prudential Energy Opportunities Fund Direct Growth Very High Risk	0.6%	1.0%	₹9828.30 Cr	11.5%
ICICI Prudential Fixed Maturity Plan Series 89 91 Days Plan G Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Nifty LargeMidcap 250 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹248.60 Cr	10.0%
ICICI Prudential Nifty50 Value 20 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹109.88 Cr	2.4%
ICICI Prudential Fixed Maturity Plan Series 88 182 Days Plan J Direct Growth Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 125 Days Plan H Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 93 Days Plan P Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1199 Days Plan Q Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1858 Days Plan D Direct Growth Moderate Risk	-	0.0%	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1226 Days Plan F Direct Growth Low Risk	-	-	₹129.54 Cr	7.1%
ICICI Prudential Long Term Wealth Enhancement Fund Direct Growth Very High Risk	1.0%	0.0%	₹40.95 Cr	10.7%
ICICI Prudential Fixed Maturity Plan Series 88 1828 Days Plan A Direct Growth Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1833 Days Plan C Direct Growth Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1192 Days Plan R Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 95 Days Plan B Direct Growth Moderately High risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1303 Days Plan S Direct Growth Low to Moderate Risk	-	0.0%	₹62.28 Cr	7.5%
ICICI Prudential Fixed Maturity Plan Series 88 226 Days Plan E Direct Growth Moderate Risk	-	0.0%	-	-
ICICI Prudential Thematic Advantage Fund (FOF) Direct Growth Very High Risk	0.9%	1.0%	₹8561.80 Cr	11.1%
ICICI Prudential Floating Interest Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹7445.95 Cr	8.0%
ICICI Prudential Gilt Fund Direct Growth Low to Moderate Risk	0.6%	0.0%	₹9227.02 Cr	6.6%
ICICI Prudential All Seasons Bond Fund Direct Growth Moderately High risk	0.6%	0.0%	₹14944.14 Cr	7.3%
ICICI Prudential Long Term Bond Fund Direct Growth Moderate Risk	0.4%	0.0%	₹1038.80 Cr	4.8%
ICICI Prudential Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹45244.37 Cr	6.5%
ICICI Prudential Innovation Fund Direct Growth Very High Risk	0.7%	1.0%	₹7536.12 Cr	13.0%
ICICI Prudential Global Stable Equity Fund (FOF) Direct Growth Very High Risk	1.2%	1.0%	₹91.05 Cr	19.1%
ICICI Prudential Bond Fund Direct Growth Moderate Risk	0.6%	0.0%	₹2922.30 Cr	6.4%
ICICI Prudential Smallcap Fund Direct Growth Very High Risk	0.8%	1.0%	₹8427.64 Cr	1.8%
ICICI Prudential Midcap Fund Direct Growth Very High Risk	1.0%	1.0%	₹7132.04 Cr	15.6%
ICICI Prudential Infrastructure Fund Direct Growth Very High Risk	1.1%	1.0%	₹8133.93 Cr	8.6%
ICICI Prudential Nifty 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹15404.53 Cr	11.4%
ICICI Prudential Regular Savings Fund Direct Growth High Risk	1.0%	1.0%	₹3358.65 Cr	8.6%
ICICI Prudential Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹31850.85 Cr	7.4%
ICICI Prudential Nifty Next 50 Index Direct Growth Very High Risk	0.3%	0.0%	₹8190.06 Cr	7.1%
ICICI Prudential Regular Gold Savings (FOF) Direct Growth High Risk	0.6%	1.0%	₹4481.52 Cr	76.9%
ICICI Prudential Credit Risk Fund Direct Growth Very High Risk	0.8%	1.0%	₹5919.75 Cr	9.9%
ICICI Prudential Large & Mid Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹27744.57 Cr	13.7%
ICICI Pru Multicap Fund Direct Growth Very High Risk	0.9%	1.0%	₹16263.09 Cr	6.9%

Risk Level

Your principal amount will be at Moderately High risk

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What is the current NAV of ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth?

The NAV of ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth, as of 16-Jan-2026, is ₹19.69.

What are the returns of ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth?

The fund has generated 11.47% over the last 1 year and 12.50% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth?

The fund's allocation of assets is distributed as 23.18% in equities, 62.73% in bonds, and 14.09% in cash and cash equivalents.

Who manages the ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth?

The fund managers responsible for ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth are:-

Sharmila D’mello
Darshil Dedhia
Rohit Lakhotia
Manasvi Shah

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth

Fund Overview