HealthyDirect · GrowthFit for a long SIP
ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual FundSolution Oriented Scheme - Retirement Fund7.7 years
- NAV
- 19.714
- 30 Oct 2026
- 1Y
- +2.0%
- Trailing CAGR
- AUM
- ₹95.26 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Pass
7.7 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.03% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
16% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 69.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.0%
- 3Y+9.3%
- 5Y+8.2%
- 10Yn/a
- SI+9.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.0%
- 3Y+5.7%
- 5Y+8.2%
- 10Yn/a
- Since inception
- +9.3%
- Calendar-day CAGR
- Excess 1Y
- +4.5%
- Category median, same plan and option
- 3Y win rate
- +16%
- Windows beating the median
- 3Y percentile
- 58
- Vs comparable share classes
- SIP 3Y XIRR
- +5.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.1%
- 1131 daily-ending windows
- Median rolling 3Y
- +9.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 646 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.2%
- Worst peak-to-trough
- Current
- -3.4%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +75%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 172 recovered episodes
- Longest recovery
- 91 days
- Trough to prior peak
14 Feb 2020 – 22 Jun 2020
Trough 23 Mar 2020 · recovered in 91 days
-10.2%
13 Jan 2022 – 17 Aug 2022
Trough 17 Jun 2022 · recovered in 61 days
-4.7%
14 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-4.3%
25 Feb 2026 – 15 Jun 2026
Trough 30 Mar 2026 · recovered in 77 days
-3.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
58
Vs category
78
Consistency
29
Risk-adjusted
62
Drawdown
75
Mean
60
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 36 holdings · top 10 are 69.0%.
- Top 5
- 53.5%
- Top 10
- 69.0%
- Largest holding
- 32.7%
- Effective holdings
- 7.9
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
32.7%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
6.0%
HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED SERIES I 8.6 BD 12NV28 FVRS10LAC
Financial
5.3%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23I 7.62 LOA 31JN28 FVRS1LAC
Financial
5.2%
REC LIMITED SR GOI - VIII 8.30 BD 25MR29 FVRS10LAC
Financial
4.3%
What changed
DECISION
Status moved from MONITOR to HEALTHY.
8 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Retirement Fund Pure Equity Plan
ICICI Prudential Mutual Fund
- 1Y
- -2.7%
- 3Y
- +18.8%
- Vol
- 17.4%
- Max DD
- -37.2%
- Sharpe
- 0.74
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Nippon India Retirement Fund- Income Generation Scheme
Nippon India Mutual Fund
- 1Y
- -2.1%
- 3Y
- +6.4%
- Vol
- 4.9%
- Max DD
- -7.4%
- Sharpe
- 0.31
- 3Y win
- +20%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Lower trailing returns
Tata Retirement Savings Fund-Moderate Plan
Tata Mutual Fund
- 1Y
- -1.0%
- 3Y
- +11.4%
- Vol
- 12.9%
- Max DD
- -29.6%
- Sharpe
- 0.68
- 3Y win
- +97%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Tata Retirement Savings Fund-Progressive Plan
Tata Mutual Fund
- 1Y
- -1.5%
- 3Y
- +11.9%
- Vol
- 15.3%
- Max DD
- -34.2%
- Sharpe
- 0.60
- 3Y win
- +97%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.9%
- 3Y
- +15.9%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.45
- 3Y win
- +94%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER