MonitorDirect · GrowthWatch before adding
ICICI Prudential Retirement Fund Pure Equity Plan
ICICI Prudential Mutual FundSolution Oriented Scheme - Retirement Fund7.7 years
- NAV
- 36.57
- 27 Oct 2026
- 1Y
- -2.7%
- Trailing CAGR
- AUM
- ₹2,157.94 Cr
- 31 Aug 2026
- Volatility
- High
- 17.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
7.7 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.94% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -37.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% 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
Pass
Top 10 holdings ≈ 32.3% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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-2.7%
- 3Y+19.0%
- 5Y+16.7%
- 10Yn/a
- SI+18.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.1%
- 3Y+7.2%
- 5Y+15.2%
- 10Yn/a
- Since inception
- +18.4%
- Calendar-day CAGR
- Excess 1Y
- -0.1%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +7.2%
- Simulated monthly SIP
- Worst rolling 3Y
- +14.9%
- 1148 daily-ending windows
- Median rolling 3Y
- +25.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 656 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -37.2%
- Worst peak-to-trough
- Current
- -8.9%
- Below last peak
- Current spell
- 63 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 115 recovered episodes
- Longest recovery
- 240 days
- Trough to prior peak
24 Jan 2020 – 18 Nov 2020
Trough 23 Mar 2020 · recovered in 240 days
-37.2%
26 Sept 2024 – 6 Jun 2025
Trough 28 Feb 2025 · recovered in 98 days
-16.9%
13 Jan 2022 – 8 Sept 2022
Trough 17 Jun 2022 · recovered in 83 days
-14.5%
11 Feb 2026 – 21 Apr 2026
Trough 30 Mar 2026 · recovered in 22 days
-11.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
49
Consistency
90
Risk-adjusted
62
Drawdown
7
Mean
62
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Maximum drawdown exceeded 35%.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
31 Aug 2026 · 89 holdings · top 10 are 32.3%.
- Top 5
- 20.6%
- Top 10
- 32.3%
- Largest holding
- 4.9%
- Effective holdings
- 51.1
HDFC Bank Ltd
Financial
4.9%
Reliance Industries Ltd
Energy & Utilities
4.1%
Repo
Unspecified
4.1%
Multi Commodity Exchange Of India Ltd
Financial
3.8%
Hindustan Unilever Ltd
Consumer Staples
3.7%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.3%
- 3Y
- +7.7%
- Vol
- 3.2%
- Max DD
- -5.0%
- Sharpe
- 0.27
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Tata Retirement Savings Fund-Moderate Plan
Tata Mutual Fund
- 1Y
- -2.4%
- 3Y
- +11.1%
- Vol
- 12.9%
- Max DD
- -29.6%
- Sharpe
- 0.67
- 3Y win
- +97%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Tata Retirement Savings Fund-Progressive Plan
Tata Mutual Fund
- 1Y
- -3.0%
- 3Y
- +11.5%
- Vol
- 15.3%
- Max DD
- -34.2%
- Sharpe
- 0.59
- 3Y win
- +97%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.7%
- 3Y
- +15.9%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.45
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- -4.5%
- 3Y
- +10.5%
- Vol
- 12.1%
- Max DD
- -27.3%
- Sharpe
- 0.37
- 3Y win
- +43%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns