ICICI Prudential Retirement Fund Pure Debt Plan
NAV
₹17.22
as of 21 Aug 2026
ICICI Prudential Retirement Fund Pure Debt Plan is an open-ended Retirement Fund scheme from ICICI Prudential Mutual Fund managing ₹81 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹17.22 as of 21 Aug 2026. The expense ratio is 1.04% a year. Managed by Sharmila D'Silva. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 1.04% / yr
- as of 30 Jun 2026
- Fund size
- ₹81 crore
- as of 31 Jul 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 27 Feb 2019
- ISIN
- INF109KC1UE0
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026
ICICI Prudential Retirement Fund Pure Debt Plan
₹135
+35% on ₹100 over 5.0 yrs
Retirement Fund average
₹163
+63% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 6 months | 2.68% | – | – |
| 1 year | 5.07% | – | – |
| 3 years (CAGR) | 6.91% | – | – |
| 5 years (CAGR) | 6.16% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- 2.7%
- Median
- 6.9%
- Best
- 9.6%
49 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Jul 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 5.7%
- Median
- 7.1%
- Best
- 7.9%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Jun 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.30
- Sharpe ratio (5Y)
- 0.16
- Sortino ratio (3Y)
- 0.47
- Standard deviation (3Y)
- 1.62%
- Deepest fall (5Y)
- -0.80%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-0.8%
Right now
-0.3% below peak
Where the money actually is
Bonds
89.8%
Cash
10.2%
Whole-portfolio split, as of 31 Jul 2026.
What it owns
19 positions · top 10 = 68.9%
Top holdings
- 6.94% Govt Stock 2036matures 11 May 203613.65%
- 7.34% Govt Stock 2064matures 22 Apr 206411.94%
- 6.45% Govt Stock 2034matures 30 Oct 20348.78%
- Nirma Limitedmatures 7 Apr 20277.41%
- Housing And Urban Development Corporation Limitedmatures 12 Nov 20286.33%
- LIC Housing Finance Ltdmatures 8 Dec 20286.31%
- Muthoot Finance Limitedmatures 20 May 20276.17%
- Yes Bank Limitedmatures 30 Sep 20266.15%
- 6.9% Govt Stock 2065matures 15 Apr 20655.63%
- Rec Limitedmatures 25 Mar 20295.06%
Holdings as of 31 Jul 2026. Portfolio turnover 99.0% a year.
The debt it holds (debt sleeve)
- Yield to maturity
- 7.25% vs category 6.79%
- Modified duration
- 4.16 yrs vs category 5.29 yrs
- Average maturity
- 10.18 yrs vs category 11.63 yrs
- Average coupon
- 7.54%
- Government securities
- 40.0%
Credit quality
- AAA
- 65.5%
- AA
- 34.5%
Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 30 Jun 2026.
Portfolio characteristics as of 31 Jul 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.
Money in, money out
- Net flow, 12 months
- −₹24 cr
- Net flow, 3 months
- −₹3 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of ICICI Prudential Retirement Fund Pure Debt Plan?
- ₹17.22 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of ICICI Prudential Retirement Fund Pure Debt Plan?
- 1.04% a year for the Direct plan, as of 30 Jun 2026.
- How large is ICICI Prudential Retirement Fund Pure Debt Plan?
- ₹81 crore under management as of 31 Jul 2026, in the Retirement Fund category.
- How risky is ICICI Prudential Retirement Fund Pure Debt Plan?
- Its SEBI Riskometer reading is "Moderately High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- What are the 5-year returns of ICICI Prudential Retirement Fund Pure Debt Plan?
- 6.16% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
- What is the worst 3-year return of ICICI Prudential Retirement Fund Pure Debt Plan?
- 5.7% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Jun 2021. The median was 7.1% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages ICICI Prudential Retirement Fund Pure Debt Plan?
- Sharmila D'Silva, managing this fund for 4 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- HDFC Retirement Savings Fund - Equity Plan₹7,014 crore
- SBI Retirement Benefit Fund - Aggressive Plan₹3,159 crore
- ICICI Prudential Retirement Fund Pure Equity Plan₹2,096 crore
- ICICI Prudential Retirement Fund Hybrid Aggressive Plan₹1,273 crore
- PGIM India Retirement Fund₹106 crore
- ICICI Prudential Retirement Fund Hybrid Conservative Plan₹97 crore
- Axis Retirement Fund - Conservative Plan₹48 crore
- Aditya Birla Sun Life Retirement Fund-The 50s Plan₹27 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.