ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth
HybridRetirementHigh Risk
Regular
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹82 Cr
Expense Ratio
2.09%
ISIN
INF109KC1TY0
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
27 Feb 2019
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹17.11, Assets Under Management (AUM) of 82.10 Crores, and an expense ratio of 2.09%.
- The fund's asset allocation comprises around 26.73% in equities, 59.74% in debts, and 13.53% in cash & cash equivalents.
- You can start investing in ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular 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
+6.66%
— (Cat Avg.)
3 Years
+11.77%
— (Cat Avg.)
5 Years
+9.66%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹21.94 Cr | 26.73% |
| Debt | ₹49.05 Cr | 59.74% |
| Others | ₹11.11 Cr | 13.53% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹10.88 Cr | 13.25% |
| Treps | Cash - Repurchase Agreement | ₹8.06 Cr | 9.81% |
| 6.99% Govt Stock 2034 | Bond - Gov't/Treasury | ₹6.77 Cr | 8.24% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹6.39 Cr | 7.78% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹5.27 Cr | 6.42% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.12 Cr | 6.23% |
| Summit Digitel Infrastructure Limited | Bond - Corporate Bond | ₹5 Cr | 6.08% |
| Nirma Limited | Bond - Corporate Bond | ₹3.56 Cr | 4.33% |
| Aditya Birla Capital Limited | Bond - Corporate Bond | ₹2.49 Cr | 3.03% |
| InterGlobe Aviation Ltd | Equity | ₹2.24 Cr | 2.73% |
| UltraTech Cement Ltd | Equity | ₹2.19 Cr | 2.67% |
| Yes Bank Limited | Bond - Corporate Bond | ₹1.99 Cr | 2.42% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹1.95 Cr | 2.37% |
| Bharti Hexacom Ltd | Equity | ₹1.83 Cr | 2.23% |
| Mahindra & Mahindra Ltd | Equity | ₹1.49 Cr | 1.81% |
| Sagar Cements Ltd | Equity | ₹1.46 Cr | 1.78% |
| National Aluminium Co Ltd | Equity | ₹1.26 Cr | 1.54% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹1.22 Cr | 1.49% |
| Tech Mahindra Ltd | Equity | ₹1.18 Cr | 1.43% |
| JSW Steel Ltd | Equity | ₹1.12 Cr | 1.36% |
| Muthoot Finance Ltd | Equity | ₹1.11 Cr | 1.35% |
| Multi Commodity Exchange of India Ltd | Equity | ₹1.03 Cr | 1.25% |
| Info Edge (India) Ltd | Equity | ₹0.93 Cr | 1.13% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹0.92 Cr | 1.12% |
| Vedanta Ltd | Equity | ₹0.87 Cr | 1.06% |
| Jindal Steel & Power Ltd | Equity | ₹0.76 Cr | 0.92% |
| Samvardhana Motherson International Ltd | Equity | ₹0.61 Cr | 0.75% |
| Ambuja Cements Ltd | Equity | ₹0.61 Cr | 0.74% |
| Bharat Forge Ltd | Equity | ₹0.56 Cr | 0.69% |
| Net Current Assets | Cash | ₹0.56 Cr | 0.69% |
| Hindalco Industries Ltd | Equity | ₹0.55 Cr | 0.67% |
| UNO Minda Ltd | Equity | ₹0.5 Cr | 0.61% |
| IndusInd Bank Ltd | Equity | ₹0.41 Cr | 0.50% |
| Britannia Industries Ltd | Equity | ₹0.36 Cr | 0.43% |
| Gland Pharma Ltd | Equity | ₹0.35 Cr | 0.43% |
| Jindal Stainless Ltd | Equity | ₹0.32 Cr | 0.39% |
| Rategain Travel Technologies Ltd | Equity | ₹0.08 Cr | 0.10% |
| Zee Entertainment Enterprises Ltd | Equity | ₹0.04 Cr | 0.05% |
| Siemens Ltd | Equity | ₹0.04 Cr | 0.05% |
| Siemens Engy Ind | Equity | ₹0.03 Cr | 0.03% |
Allocation By Market Cap (Equity)
Large Cap Stocks
14.84%
Mid Cap Stocks
8.23%
Small Cap Stocks
3.62%
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Basic Materials | ₹9.15 Cr | 11.14% |
| Consumer Cyclical | ₹3.17 Cr | 3.86% |
| Communication Services | ₹2.8 Cr | 3.41% |
| Financial Services | ₹2.55 Cr | 3.10% |
| Industrials | ₹2.28 Cr | 2.78% |
| Technology | ₹1.26 Cr | 1.54% |
| Consumer Defensive | ₹0.36 Cr | 0.43% |
| Healthcare | ₹0.35 Cr | 0.43% |
Risk & Performance Ratios
Standard Deviation
This fund
4.47%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.83
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 31st May 2025
ISIN | INF109KC1TY0 | Expense Ratio | 2.09% | Exit Load | No Charges | Fund Size | ₹82 Cr | Age | 6 years 3 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:
- 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  |
|---|---|---|---|---|
| Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹381.68 Cr | 6.2% |
| Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹381.68 Cr | 8.3% |
| PGIM India Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹84.45 Cr | 10.3% |
| PGIM India Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹84.45 Cr | 8.6% |
| Bandhan Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹180.46 Cr | 4.2% |
| Bandhan Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹180.46 Cr | 5.9% |
| Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk | 1.0% | 0.0% | ₹156.73 Cr | 8.1% |
| Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk | 2.1% | 0.0% | ₹156.73 Cr | 6.9% |
| Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk | 1.9% | 0.0% | ₹3189.62 Cr | 1.5% |
| Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk | 1.0% | 0.0% | ₹3189.62 Cr | 2.5% |
About the AMC
Total AUM
₹9,45,300 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 High Risk
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Who manages the ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular 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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