ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth
HybridRetirementVery High Risk
Direct
NAV (18-Jun-25)
₹35.13-0.40%1D
Returns (Since Inception)
22.04%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹1,214 Cr
Expense Ratio
0.88%
ISIN
INF109KC1TS2
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
28 Feb 2019
About this fund
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth is a Retirement mutual fund schemes offered by ICICI Prudential Mutual Fund. This fund has been in existence for 6 years, 3 months and 22 days, having been launched on 28-Feb-19.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹35.13, Assets Under Management (AUM) of 1214.21 Crores, and an expense ratio of 0.88%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹35.13, Assets Under Management (AUM) of 1214.21 Crores, and an expense ratio of 0.88%.
- ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given a CAGR return of 22.04% since inception.
- The fund's asset allocation comprises around 98.40% in equities, 0.00% in debts, and 1.35% in cash & cash equivalents.
- You can start investing in ICICI Prudential Retirement Fund Pure Equity 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
+7.96%
— (Cat Avg.)
3 Years
+29.89%
— (Cat Avg.)
5 Years
+31.39%
— (Cat Avg.)
Since Inception
+22.04%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹1,194.84 Cr | 98.40% |
| Others | ₹19.37 Cr | 1.60% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Multi Commodity Exchange of India Ltd | Equity | ₹62.26 Cr | 5.13% |
| Bharti Airtel Ltd | Equity | ₹49.62 Cr | 4.09% |
| InterGlobe Aviation Ltd | Equity | ₹44.3 Cr | 3.65% |
| Muthoot Finance Ltd | Equity | ₹39.57 Cr | 3.26% |
| UPL Ltd | Equity | ₹36.98 Cr | 3.05% |
| Mahindra & Mahindra Ltd | Equity | ₹36.51 Cr | 3.01% |
| PB Fintech Ltd | Equity | ₹35.23 Cr | 2.90% |
| BSE Ltd | Equity | ₹34.49 Cr | 2.84% |
| Info Edge (India) Ltd | Equity | ₹32.93 Cr | 2.71% |
| Vedanta Ltd | Equity | ₹32.67 Cr | 2.69% |
| UltraTech Cement Ltd | Equity | ₹32.6 Cr | 2.69% |
| Ambuja Cements Ltd | Equity | ₹31.98 Cr | 2.63% |
| Britannia Industries Ltd | Equity | ₹31.01 Cr | 2.55% |
| Tech Mahindra Ltd | Equity | ₹29.6 Cr | 2.44% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹28.97 Cr | 2.39% |
| Apar Industries Ltd | Equity | ₹28.12 Cr | 2.32% |
| Power Finance Corp Ltd | Equity | ₹24.36 Cr | 2.01% |
| Polycab India Ltd | Equity | ₹23.74 Cr | 1.96% |
| Treps | Cash - Repurchase Agreement | ₹23.63 Cr | 1.95% |
| Sobha Ltd | Equity | ₹23.43 Cr | 1.93% |
| Titan Co Ltd | Equity | ₹22.75 Cr | 1.87% |
| Jindal Steel & Power Ltd | Equity | ₹22.3 Cr | 1.84% |
| BEML Ltd | Equity | ₹22.11 Cr | 1.82% |
| JSW Steel Ltd | Equity | ₹21.85 Cr | 1.80% |
| CE Info Systems Ltd | Equity | ₹21.13 Cr | 1.74% |
| Aarti Industries Ltd | Equity | ₹19.79 Cr | 1.63% |
| Phoenix Mills Ltd | Equity | ₹18.45 Cr | 1.52% |
| PI Industries Ltd | Equity | ₹18.35 Cr | 1.51% |
| CreditAccess Grameen Ltd Ordinary Shares | Equity | ₹14.87 Cr | 1.22% |
| Navin Fluorine International Ltd | Equity | ₹14.78 Cr | 1.22% |
| Atul Ltd | Equity | ₹14.47 Cr | 1.19% |
| Usha Martin Ltd | Equity | ₹14.18 Cr | 1.17% |
| Godrej Properties Ltd | Equity | ₹14.12 Cr | 1.16% |
| Nippon Life India Asset Management Ltd Ordinary Shares | Equity | ₹13.61 Cr | 1.12% |
| Jindal Stainless Ltd | Equity | ₹13.22 Cr | 1.09% |
| Eternal Ltd | Equity | ₹13.11 Cr | 1.08% |
| United Spirits Ltd | Equity | ₹13.1 Cr | 1.08% |
| IndusInd Bank Ltd | Equity | ₹12.25 Cr | 1.01% |
| Bharat Forge Ltd | Equity | ₹12.19 Cr | 1.00% |
| Acutaas Chemicals Ltd | Equity | ₹11.76 Cr | 0.97% |
| National Aluminium Co Ltd | Equity | ₹10.82 Cr | 0.89% |
| SRF Ltd | Equity | ₹10.44 Cr | 0.86% |
| Hindalco Industries Ltd | Equity | ₹9.53 Cr | 0.78% |
| DLF Ltd | Equity | ₹9.42 Cr | 0.78% |
| Bharti Airtel Ltd (Partly Paid Rs.1.25) | Equity | ₹9.17 Cr | 0.76% |
| Rategain Travel Technologies Ltd | Equity | ₹7.66 Cr | 0.63% |
| Siemens Ltd | Equity | ₹7.38 Cr | 0.61% |
| Camlin Fine Sciences Ltd | Equity | ₹7.3 Cr | 0.60% |
| Net Current Assets | Cash | ₹-7.25 Cr | 0.60% |
| Gland Pharma Ltd | Equity | ₹6.58 Cr | 0.54% |
| NMDC Steel Ltd | Equity | ₹6.44 Cr | 0.53% |
| Pidilite Industries Ltd | Equity | ₹6.21 Cr | 0.51% |
| Whirlpool of India Ltd | Equity | ₹6.18 Cr | 0.51% |
| Mastek Ltd | Equity | ₹6.12 Cr | 0.50% |
| Bajaj Auto Ltd | Equity | ₹5.95 Cr | 0.49% |
| Cummins India Ltd | Equity | ₹5.7 Cr | 0.47% |
| Persistent Systems Ltd | Equity | ₹5.64 Cr | 0.46% |
| Manappuram Finance Ltd | Equity | ₹5.6 Cr | 0.46% |
| Siemens Engy Ind | Equity | ₹5.6 Cr | 0.46% |
| APL Apollo Tubes Ltd | Equity | ₹5.44 Cr | 0.45% |
| Eicher Motors Ltd | Equity | ₹5.33 Cr | 0.44% |
| KSB Ltd | Equity | ₹5.13 Cr | 0.42% |
| Karnataka Bank Ltd | Equity | ₹4.74 Cr | 0.39% |
| K.P.R. Mill Ltd | Equity | ₹4.54 Cr | 0.37% |
| RHI Magnesita India Ltd | Equity | ₹4.45 Cr | 0.37% |
| Vardhman Textiles Ltd | Equity | ₹4.17 Cr | 0.34% |
| 360 One Wam Ltd Ordinary Shares | Equity | ₹3.54 Cr | 0.29% |
| Sonata Software Ltd | Equity | ₹3.27 Cr | 0.27% |
| Divgi TorqTransfer Systems Ltd | Equity | ₹3.01 Cr | 0.25% |
| Cash Margin - Derivatives | Other Assets And Liabilities | ₹3 Cr | 0.25% |
| TBO Tek Ltd | Equity | ₹2.96 Cr | 0.24% |
| Sagar Cements Ltd | Equity | ₹2.91 Cr | 0.24% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹2.85 Cr | 0.23% |
| Route Mobile Ltd Ordinary Shares | Equity | ₹2.85 Cr | 0.23% |
| Indian Energy Exchange Ltd | Equity | ₹2.7 Cr | 0.22% |
| TeamLease Services Ltd | Equity | ₹2.54 Cr | 0.21% |
| Paradeep Phosphates Ltd | Equity | ₹2.45 Cr | 0.20% |
| Jyoti CNC Automation Ltd | Equity | ₹2.29 Cr | 0.19% |
| Ratnamani Metals & Tubes Ltd | Equity | ₹2.27 Cr | 0.19% |
| UPL Ltd Ordinary Shares (Partly Paid Rs.1) | Equity | ₹1.74 Cr | 0.14% |
| Tata Steel Ltd | Equity | ₹1.42 Cr | 0.12% |
| Bajaj Electricals Ltd | Equity | ₹1.31 Cr | 0.11% |
| Birla Corp Ltd | Equity | ₹1.26 Cr | 0.10% |
| Fine Organic Industries Ltd Ordinary Shares | Equity | ₹1.18 Cr | 0.10% |
| Zee Entertainment Enterprises Ltd | Equity | ₹0.91 Cr | 0.08% |
| Aditya Birla Sun Life AMC Ltd | Equity | ₹0.47 Cr | 0.04% |
| Torrent Power Ltd | Equity | ₹0.45 Cr | 0.04% |
| Affle 3i Ltd | Equity | ₹0.13 Cr | 0.01% |
Allocation By Market Cap (Equity)
Large Cap Stocks
43.59%
Mid Cap Stocks
27.75%
Small Cap Stocks
26.61%
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Basic Materials | ₹343.9 Cr | 28.32% |
| Financial Services | ₹253.72 Cr | 20.90% |
| Industrials | ₹185.18 Cr | 15.25% |
| Consumer Cyclical | ₹120.85 Cr | 9.95% |
| Communication Services | ₹95.62 Cr | 7.87% |
| Technology | ₹73.42 Cr | 6.05% |
| Real Estate | ₹65.42 Cr | 5.39% |
| Consumer Defensive | ₹44.11 Cr | 3.63% |
| Healthcare | ₹6.58 Cr | 0.54% |
| Utilities | ₹0.45 Cr | 0.04% |
Risk & Performance Ratios
Standard Deviation
This fund
14.68%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
1.17
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Lalit Kumar
Since May 2022
SD
Sharmila D’mello
Since July 2022
Darshil Dedhia
Since January 2024
RL
Rohit Lakhotia
Since June 2023
Additional Scheme Detailsas of 31st May 2025
ISIN | INF109KC1TS2 | Expense Ratio | 0.88% | Exit Load | No Charges | Fund Size | ₹1,214 Cr | Age | 6 years 3 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | Nifty 500 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 Very High Risk
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We're here to help.
What is the current NAV of ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth?
The NAV of ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth, as of 18-Jun-2025, is ₹35.13.
What are the returns of ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth?
The fund has generated 7.96% over the last 1 year and 29.89% 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 Pure Equity Plan Direct Growth?
The fund's allocation of assets is distributed as 98.40% in equities, 0.00% in bonds, and 1.35% in cash and cash equivalents.
Who manages the ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth?
The fund managers responsible for ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth are:-
- Lalit Kumar
- Sharmila D’mello
- Darshil Dedhia
- Rohit Lakhotia
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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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
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.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.