ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth
HybridRetirementModerately High risk
Direct
NAV (11-Sep-24)
Returns (Since Inception)
Fund Overview
Fund Size
₹65 Cr
Expense Ratio
1.04%
ISIN
INF109KC1UA8
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
28 Feb 2019
About this fund
As of 11-Sep-24, it has a Net Asset Value (NAV) of ₹17.67, Assets Under Management (AUM) of 64.86 Crores, and an expense ratio of 1.04%.
- ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth has given a CAGR return of 10.82% since inception.
- The fund's asset allocation comprises around 24.24% in equities, 63.66% in debts, and 12.10% 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
+15.69%
— (Cat Avg.)
3 Years
+10.08%
— (Cat Avg.)
5 Years
+10.84%
— (Cat Avg.)
Since Inception
+10.82%
— (Cat Avg.)
Portfolio Summaryas of 15th August 2024
| Equity | ₹15.72 Cr | 24.24% |
| Debt | ₹41.29 Cr | 63.66% |
| Others | ₹7.85 Cr | 12.10% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹8.66 Cr | 13.90% |
| 8% Govt Stock 2034 | Bond - Gov't/Treasury | ₹8.34 Cr | 13.39% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹4.98 Cr | 7.99% |
| Summit Digitel Infrastructure Limited | Bond - Corporate Bond | ₹4.9 Cr | 7.86% |
| Treps | Cash - Repurchase Agreement | ₹3.97 Cr | 6.38% |
| Nirma Limited | Bond - Corporate Bond | ₹3.52 Cr | 5.65% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹2.97 Cr | 4.78% |
| Sharekhan Limited | Cash - Commercial Paper | ₹2.92 Cr | 4.68% |
| Aditya Birla Finance Limited | Bond - Corporate Bond | ₹2.34 Cr | 3.75% |
| UltraTech Cement Ltd | Equity | ₹2.15 Cr | 3.46% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹2 Cr | 3.21% |
| Yes Bank Limited | Bond - Corporate Bond | ₹1.95 Cr | 3.13% |
| Bharti Airtel Ltd | Equity | ₹1.6 Cr | 2.57% |
| JSW Steel Ltd | Equity | ₹1 Cr | 1.61% |
| InterGlobe Aviation Ltd | Equity | ₹0.93 Cr | 1.49% |
| Tata Motors Ltd Class A | Equity | ₹0.88 Cr | 1.41% |
| Larsen & Toubro Ltd | Equity | ₹0.71 Cr | 1.14% |
| Ambuja Cements Ltd | Equity | ₹0.69 Cr | 1.10% |
| Titan Co Ltd | Equity | ₹0.67 Cr | 1.07% |
| Net Current Assets | Cash | ₹0.65 Cr | 1.04% |
| Gujarat State Petronet Ltd | Equity | ₹0.64 Cr | 1.03% |
| Mangalore Refinery and Petrochemicals Ltd | Equity | ₹0.61 Cr | 0.98% |
| Tech Mahindra Ltd | Equity | ₹0.61 Cr | 0.98% |
| Siemens Ltd | Equity | ₹0.59 Cr | 0.95% |
| Gujarat Gas Ltd | Equity | ₹0.55 Cr | 0.88% |
| Hindalco Industries Ltd | Equity | ₹0.54 Cr | 0.86% |
| ICICI Prudential Life Insurance Company Limited | Equity | ₹0.52 Cr | 0.83% |
| Bharti Airtel Ltd (Partly Paid Rs.1.25) | Equity | ₹0.46 Cr | 0.74% |
| Gland Pharma Ltd | Equity | ₹0.44 Cr | 0.70% |
| DLF Ltd | Equity | ₹0.37 Cr | 0.59% |
| Jindal Stainless Ltd | Equity | ₹0.35 Cr | 0.56% |
| Aditya Birla Fashion and Retail Ltd | Equity | ₹0.31 Cr | 0.50% |
| Axis Bank Ltd | Equity | ₹0.31 Cr | 0.49% |
| Bharat Electronics Ltd | Equity | ₹0.14 Cr | 0.23% |
| Zee Entertainment Enterprises Ltd | Equity | ₹0.05 Cr | 0.07% |
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Basic Materials | ₹4.73 Cr | 7.59% |
| Industrials | ₹2.37 Cr | 3.81% |
| Communication Services | ₹2.1 Cr | 3.38% |
| Consumer Cyclical | ₹1.86 Cr | 2.98% |
| Utilities | ₹1.19 Cr | 1.91% |
| Financial Services | ₹0.82 Cr | 1.32% |
| Energy | ₹0.61 Cr | 0.98% |
| Technology | ₹0.61 Cr | 0.98% |
| Healthcare | ₹0.44 Cr | 0.70% |
| Real Estate | ₹0.37 Cr | 0.59% |
Risk & Performance Ratios
Standard Deviation
This fund
4.05%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
1.06
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Lalit Kumar
Since May 2022
Sharmila D’mello
Since July 2022
Darshil Dedhia
Since January 2024
Rohit Lakhotia
Since June 2023
Additional Scheme Detailsas of 15th August 2024
ISIN | INF109KC1UA8 | Expense Ratio | 1.04% | Exit Load | No Charges | Fund Size | ₹65 Cr | Age | 28 Feb 2019 | 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2205.81 Cr | 27.8% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹175.70 Cr | 13.5% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2131.58 Cr | 33.0% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹950.70 Cr | 34.2% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹76.28 Cr | 20.7% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹950.70 Cr | 36.0% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹393.70 Cr | 37.9% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹393.70 Cr | 39.7% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹76.28 Cr | 19.0% |
| Franklin India Pension Plan Regular Growth High Risk | 2.3% | 3.0% | ₹526.40 Cr | 17.6% |
About the AMC
Total AUM
₹8,56,645 Cr
Address
3rd Floor, Hallmark Business Plaza, Mumbai, 400 051
Other Funds by ICICI Prudential Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
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Who manages the ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth?
- Lalit Kumar
- Sharmila D’mello
- Darshil Dedhia
- Rohit Lakhotia
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
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