Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF is an ETF fund and ICICI Prudential Retirement Fund Hybrid Conservative Plan is a Solution fund. In the year to 30-10-2026, Aditya Birla Sun Life CRISIL Broad Based Gilt ETF returned 1.2% and ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct) returned 2.0%. Aditya Birla Sun Life CRISIL Broad Based Gilt ETF charges 0.08% a year and ICICI Prudential Retirement Fund Hybrid Conservative Plan 1.03%. Their portfolios overlap 36.5%: they hold 2 of the same securities.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF
ETF
- 1 year return
- 1.2%
- Expense ratio
- 0.08%
- NAV
- ₹112.17
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Solution
- 1 year return
- 2.0%
- Expense ratio
- 1.03%
- NAV
- ₹19.71
Which is better, Aditya Birla Sun Life CRISIL Broad Based Gilt ETF or ICICI Prudential Retirement Fund Hybrid Conservative Plan? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- ICICI Prudential Retirement Fund Hybrid Conservative Plan returned more over 1 year: 2.0% against 1.2%.
- Aditya Birla Sun Life CRISIL Broad Based Gilt ETF costs less: 0.08% a year against 1.03%.
- Aditya Birla Sun Life CRISIL Broad Based Gilt ETF fell less in its worst fall since 08-07-2024: −3.0% against −4.3%.
- ICICI Prudential Retirement Fund Hybrid Conservative Plan is the larger fund: ₹95 Cr against ₹12 Cr.
- Their portfolios overlap 36.5%: 2 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative Plan |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | ICICI Prudential Mutual Fund |
| Category | ETF | Solution |
| AUM | ₹12 Cr (30-09-2026) | ₹95 Cr (30-09-2026) |
| NAV | ₹112.17 | ₹19.71 (Direct) |
| Expense ratio (Direct) | Not available | 1.03% |
| Expense ratio (Regular) | Not available | 2.24% |
| Riskometer | Moderate | Not available |
| Benchmark | CRISIL Broad Based Gilt Index | Nifty 50 Hybrid Composite Debt 15:85 Conservative Index |
| Launch date | 05-07-2024 | 27-02-2019 |
| Minimum investment | During New Fund Offer Period: Minimum of Rs. 1,000/- and in multiples of Rs. 100/- thereafter during the New Fund Offer period. During Ongoing Offer period: For Subscription / Redemption of units directly with Mutual Fund: Subscription / Redemption facili | ₹5,000 |
| Lock in | None | 5 years, or until retirement if earlier |
| Fund managers | Kaustubh Gupta, Harshil Suvarnkar, Vighnesh Gupta | Darshil Dedhia, Rohit Lakhotia, Manasvi Shah |
| Exit load | NIL | Nil |
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | −0.97% | −1.80% | +0.70% | +1.20% | -- | -- | -- |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct) | −1.39% | −2.41% | +0.44% | +2.02% | +9.12% | +8.17% | -- |
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: Year-wise Returns
| Year | Aditya Birla Sun Life CRISIL Broad Based Gilt ETFAditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Retirement Fund Hybrid Conservative Plan |
|---|---|---|
| 2026to date | +0.61% | +0.28% |
| 2025 | +6.80% | +10.28% |
| 2024 | -- | +10.96% |
| 2023 | -- | +16.28% |
| 2022 | -- | +2.70% |
| 2021 | -- | +8.85% |
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 319 of them, one for each trading day from 08-07-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF
ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct)
to
Aug 2025Nov 2024
to
Nov 2025Jan 2025
to
Jan 2026Apr 2025
to
Apr 2026Jul 2025
to
Jul 2026Sept 2025
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | 0.0 | 44.5 | 54.5 | 0.9 | 0.0 | 0.0 | 0.0 | 5.2% | 5.8% | 0.4% | 10.1% |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan | 0.0 | 6.0 | 73.0 | 21.1 | 0.0 | 0.0 | 0.0 | 8.1% | 8.0% | 1.4% | 13.2% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 08-07-2024. Past returns do not promise future returns.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 08-07-2024 to 30-10-2026: 28 instalments, ₹2,80,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life CRISIL Broad Based Gilt ETFAditya Birla Sun Life CRISIL Broad Based Gilt ETF | ₹2,80,000 | ₹2,89,427 | ₹9,427 | 2.8% |
| ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct) | ₹2,80,000 | ₹2,94,301 | ₹14,301 | 4.2% |
Aditya Birla Sun Life CRISIL Broad Based Gilt ETFAditya Birla Sun Life CRISIL Broad Based Gilt ETF
ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct) |
|---|---|---|
| Return (CAGR) | +1.20% | +2.02% |
| Standard deviation | 3.01% | 4.56% |
| Sharpe ratio | -1.34 | -0.71 |
| Sortino ratio | -1.78 | -0.92 |
| Maximum drawdown | −3.0% (23-10-2026) | −4.3% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct) |
|---|---|---|
| Return (CAGR) | +5.06% | +9.24% |
| Standard deviation | 2.58% | 4.53% |
| Sharpe ratio | -0.28 | 0.90 |
| Sortino ratio | -0.38 | 1.21 |
| Maximum drawdown | −3.0% (23-10-2026) | −10.2% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 08-07-2024 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF
ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | −3.0% | 14-08-2026 | 23-10-2026 | Not yet | -- | −2.7% |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct) | −4.3% | 14-08-2026 | 23-10-2026 | Not yet | -- | −3.6% |
From daily values since 08-07-2024, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF
ICICI Prudential Retirement Fund Hybrid Conservative Plan (Direct)
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life CRISIL Broad Based Gilt ETF, September 2026; ICICI Prudential Retirement Fund Hybrid Conservative Plan, September 2026
Holdings in common
- Overlap
- 36.5%
- Held by both
- 2
- Only in Aditya Birla Sun Life CRISIL Broad Based Gilt ETF
- 2
- Only in ICICI Prudential Retirement Fund Hybrid Conservative Plan
- 32
| Security | % of Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | % of ICICI Prudential Retirement Fund Hybrid Conservative Plan |
|---|---|---|
| Government of India (11/05/2036) | 39.54% | 32.70% |
| Government of India (15/04/2065) | 26.30% | 3.77% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 36.5% means 36.5% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life CRISIL Broad Based Gilt ETF
| Security | % of fund |
|---|---|
| Government of India (13/11/2030) | 26.70% |
| Government of India (02/08/2032) | 0.26% |
Largest holdings only in ICICI Prudential Retirement Fund Hybrid Conservative Plan
| Security | % of fund |
|---|---|
| Government Securities | 5.99% |
| Housing and Urban Development Corporation Ltd. | 5.35% |
| NABARD | 5.24% |
| Rural Electrification Corporation Ltd. | 4.26% |
| Nirma Ltd. | 3.68% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative Plan |
|---|---|---|
| Equity | 0.0% | 22.6% |
| Debt | 92.8% | 71.5% |
| Cash and others | 7.2% | 5.9% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative Plan |
|---|---|---|
| Large Cap | -- | 15.9% |
| Mid Cap | -- | 3.6% |
| Small Cap | -- | 3.1% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative Plan |
|---|---|---|
| Banks | 0.0% | 2.6% |
| Ferrous Metals | 0.0% | 2.6% |
| Auto Components | 0.0% | 2.5% |
| Retailing | 0.0% | 2.4% |
| Insurance | 0.0% | 2.1% |
| Consumer Durables | 0.0% | 1.9% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life CRISIL Broad Based Gilt ETF | ICICI Prudential Retirement Fund Hybrid Conservative Plan |
|---|---|---|
| Total expense ratio (Direct) | Not available | 1.03% |
| Base expense ratio (Direct) | 0.00% | 0.79% |
| Total expense ratio (Regular) | Not available | 2.24% |
| Base expense ratio (Regular) | 0.07% | 1.84% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF vs ICICI Prudential Retirement Fund Hybrid Conservative Plan: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life CRISIL Broad Based Gilt ETF and ICICI Prudential Retirement Fund Hybrid Conservative Plan?
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF is an ETF fund, ICICI Prudential Retirement Fund Hybrid Conservative Plan is a Solution fund, run by Aditya Birla Sun Life Mutual Fund and ICICI Prudential Mutual Fund. Their portfolios overlap 36.5%. Aditya Birla Sun Life CRISIL Broad Based Gilt ETF charges 0.08% a year and ICICI Prudential Retirement Fund Hybrid Conservative Plan 1.03%.
Which has given higher returns, Aditya Birla Sun Life CRISIL Broad Based Gilt ETF or ICICI Prudential Retirement Fund Hybrid Conservative Plan?
Over 1 year: Aditya Birla Sun Life CRISIL Broad Based Gilt ETF +1.20%, ICICI Prudential Retirement Fund Hybrid Conservative Plan +2.02%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life CRISIL Broad Based Gilt ETF or ICICI Prudential Retirement Fund Hybrid Conservative Plan?
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF charges less: 0.08% a year against 1.03%. These are the total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life CRISIL Broad Based Gilt ETF and ICICI Prudential Retirement Fund Hybrid Conservative Plan overlap?
36.5%. They hold 2 of the same securities, the largest shared ones being Government of India (11/05/2036), Government of India (15/04/2065). From each fund's latest monthly portfolio.
Can I invest in both Aditya Birla Sun Life CRISIL Broad Based Gilt ETF and ICICI Prudential Retirement Fund Hybrid Conservative Plan?
Yes. 36.5% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life CRISIL Broad Based Gilt ETF and ICICI Prudential Retirement Fund Hybrid Conservative Plan?
Aditya Birla Sun Life CRISIL Broad Based Gilt ETF: Kaustubh Gupta, Harshil Suvarnkar, Vighnesh Gupta. ICICI Prudential Retirement Fund Hybrid Conservative Plan: Darshil Dedhia, Rohit Lakhotia, Manasvi Shah.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.