ICICI Prudential Retirement Fund - Pure Equity
Retirement Fund · ICICI Prudential Asset Management Company Limited
Among the 106 similar retirement funds we track, this one has grown money faster than most. ₹1 lakh invested 5 years ago would be about ₹2.4 lakh today. Investing ₹10,000 every month for the last 5 years would have put in ₹6.1 lakh and grown it to about ₹9.5 lakh. Be warned: in its worst stretch, ₹1 lakh briefly shrank to about ₹62,830. Funds like this reward patience and punish panic-selling.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.ICICI Prudential Retirement Fund - Pure Equity is a retirement fund from ICICI Prudential Asset Management Company Limited. It has a track record of about 7.5 years. As of the latest data it carries an RS rating of 81/99 (its recent momentum versus category peers) and a King Score of 78/100 (a long-term quality composite). The current NAV is ₹38.35 (as of 2026-09-16).
Growth of ₹100 - last 5 years
ICICI Prudential Retirement Fund - Pure Equity returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | -4.08% | -2.95% |
| 3 months | -0.49% | 0.53% |
| 6 months | 7.42% | 4.58% |
| 1 year | 6.03% | 1.68% |
| 3 years (CAGR) | 18.63% | 9.28% |
| 5 years (CAGR) | 18.75% | 8.86% |
The last 5 years return is 18.75% a year (₹1 lakh → ₹2.4 lakh), and the last 3 years return is 18.63% - ahead of its category's 9.28% average by 9.3 points. Its trailing one-year return is 6.03%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | ICICI Prudential Retir | Benchmark |
|---|---|---|
| 2020 | +12.9% | +16.7% |
| 2021 | +49.3% | +30.2% |
| 2022 | +3.6% | +3.0% |
| 2023 | +39.9% | +25.8% |
| 2024 | +25.2% | +15.2% |
| 2025 | +15.6% | +6.7% |
| 2026 | +1.2% | -5.8% |
ICICI Prudential Retirement Fund - Pure Equity beat its benchmark in 6 of the last 7 calendar years. That is a strong hit-rate - most active funds fail to clear their index this often. Consistency against the benchmark matters more than any single great year.
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
What a monthly SIP in ICICI Prudential Retirement Fund - Pure Equity would have made
A ₹10,000-a-month SIP, using this fund's actual NAV history. SIP returns (XIRR) differ from lumpsum CAGR because your money goes in gradually, averaging your entry price.
| SIP duration | You invested | It became | XIRR |
|---|---|---|---|
| 3 years | ₹370,000 | ₹443,033 | 12.05% |
| 5 years | ₹610,000 | ₹949,883 | 17.72% |
Over 5 years, ₹610,000 invested in monthly instalments would have grown to about ₹949,883 - an XIRR of 17.72%. Figures are pre-tax and assume you stayed invested throughout.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | -37.17% | -18.9% |
| Worst drawdown (3Y) | -16.85% | -10.88% |
| Volatility (1Y) | 16.95% | 11.28% |
| Sharpe (3Y) | 0.71 | 0.22 |
| Sortino (3Y) | 1.25 | 0.42 |
| Beta (3Y) | 1.09 | 0.61 |
| Alpha (3Y) | 10.23% | 1.79% |
| Up capture | 120.6% | 66.1% |
| Down capture | 98.2% | 55.59% |
| Bull-market return | 39.1% | 20.14% |
| Bear-market return | -29.1% | -15.38% |
Timing matters more than people admit: the best possible 1-year stretch in ICICI Prudential Retirement Fund - Pure Equity (starting 2020-03-23) gained 91.2%, while the worst (starting 2019-03-22) lost 32.6%. The worst peak-to-bottom fall ICICI Prudential Retirement Fund - Pure Equity has ever put investors through is -37.17% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about -29.1% annualised, versus 39.1% in rising markets. It has captured roughly 120.6% of its benchmark's up-moves and 98.2% of its down-moves.
How ICICI Prudential Retirement Fund - Pure Equity behaves when markets fall
When the market is falling (the Nifty below its 200-day average), ICICI Prudential Retirement Fund - Pure Equity has historically returned about -29.1% annualised, versus roughly 39.1% when the market is rising. Its deepest fall on record is -37.17%. Right now it sits about 4.41% below its all-time high (last hit 2026-08-12). The real question isn't the average year - it's whether you could hold on through the worst one.
How ICICI Prudential Retirement Fund - Pure Equity ranks in its category
Percentile versus its ~106 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
| Measure | Value |
|---|---|
| Median 3Y rolling CAGR | 25.96% |
| 3Y windows positive | 100.0% |
| Worst 3Y window | 14.93% |
| 3Y windows beating Nifty 500 | 100.0% |
| Median 5Y rolling CAGR | 25.41% |
Instead of one lucky start date, rolling returns test every start date. Across all 3-year windows in its history, ICICI Prudential Retirement Fund - Pure Equity returned a median of 25.96% a year, and 100.0% of those windows were positive.
What ICICI Prudential Retirement Fund - Pure Equity holds
Its latest monthly portfolio disclosure. This is what your money actually owns.
Top holdings
Sector allocation
The top 10 holdings make up 28.8% of the portfolio, across 96 stocks. A higher concentration means the fund's fortunes ride on fewer names.
Portfolio overlap with similar funds
ICICI Prudential Retirement Fund - Pure Equity shares ICICI Prudential Retirement Fund - Hybrid Aggressive (40%), ICICI Prudential Retirement Fund - Hybrid Conservative (11%), Aditya Birla Sun Life Retirement Fund-The 50s (0%) of its portfolio with these category peers (overlap = the slice of the two portfolios invested in the same stocks). The lower the overlap, the more genuinely different the portfolios are.
Cost & fund basics
| Detail | Value |
|---|---|
| Exit load | ≈1% if redeemed within 1 year (typical) |
| Minimum investment | ₹5000 |
| Fund size (AUM) | ₹1,923 Cr |
| Age | 7.5 years |
| Plan / Option | Direct · Growth |
| Benchmark | NIFTY500 |
How ICICI Prudential Retirement Fund - Pure Equity compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| ICICI Prudential Retirement Fund - Hybrid Conservative | 77 | 84 | 9.6% |
| ICICI Prudential Retirement Fund - Hybrid Aggressive | 85 | 79 | 16.4% |
| Aditya Birla Sun Life Retirement Fund-The 50s | 66 | 76 | 7.9% |
| Union Retirement Fund | 70 | 73 | 11.9% |
| Tata Retirement Savings Fund- Conservative | 79 | 72 | 7.6% |
| UTI Retirement Fund | 38 | 70 | 8.3% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
ICICI Prudential Retirement Fund - Pure Equity review: the bottom line
Related
Frequently asked questions
Is ICICI Prudential Retirement Fund - Pure Equity a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, ICICI Prudential Retirement Fund - Pure Equity scores 78/100 on our King Score and RS 81/99 within its category, has compounded 18.63% a year over three years, and its worst drawdown was -37.17%. Compare those against your needs and the peer table above.
What is the NAV of ICICI Prudential Retirement Fund - Pure Equity today?
The latest NAV is ₹38.35 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
Is ICICI Prudential Retirement Fund - Pure Equity safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was -37.17% - ₹1 lakh briefly becoming about ₹62,830. As a solution fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is ICICI Prudential Retirement Fund - Pure Equity good for SIP?
We can't tell you what to do, but here is what actually happened: a ₹10,000 monthly SIP over the last 5 years grew ₹6.1 lakh into about ₹9.5 lakh (XIRR 17.72%). SIPs average your entry price, which helps most in funds that swing hard - check the crash-behaviour section above to see how it treats investors in bad markets.
What are the SIP returns of ICICI Prudential Retirement Fund - Pure Equity?
A ₹10,000/month SIP over 5 years would have grown to about ₹949,883 (an XIRR of 17.72%) on ₹610,000 invested, using the fund's actual NAV history. See the SIP table above for other durations.
How does ICICI Prudential Retirement Fund - Pure Equity rank among similar funds?
On 3-year returns it sits around the 99th percentile of its category, and its consistency ranks 86th percentile. 100th is best-in-class, 50th is average. See the category-ranking section above.
Is ICICI Prudential Retirement Fund - Pure Equity tax-efficient / what about capital gains?
As a solution fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
See ICICI Prudential Retirement Fund - Pure Equity live in the MF Terminal
Everything above is a static snapshot. The terminal is where you actually research it:
- Interactive price chart with EMAs & RSI
- The RS line plotted against its benchmark
- Full holdings, sector mix & portfolio overlap
- Point-in-time backtester & portfolio doctor
- Compare it side-by-side with any peer
- Screen 1,600+ funds on the same metrics
Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.