ICICI Prudential Dividend Yield Fund vs ICICI Prudential Retirement Fund Pure Equity Plan
Direct Plan, Growth option · Data as on 30-10-2026
ICICI Prudential Dividend Yield Fund is a Dividend Yield fund and ICICI Prudential Retirement Fund Pure Equity Plan is a Solution fund. In the 3 years to 30-10-2026, ICICI Prudential Dividend Yield Fund (Direct) returned 13.4% a year and ICICI Prudential Retirement Fund Pure Equity Plan (Direct) returned 18.8% a year. ICICI Prudential Dividend Yield Fund charges 0.76% a year and ICICI Prudential Retirement Fund Pure Equity Plan 0.93% (Direct plans). Their portfolios overlap 34.6%: they hold 22 of the same securities.
ICICI Prudential Dividend Yield Fund
Dividend Yield
- 3 year return
- 13.4%
- Expense ratio
- 0.76%
- NAV
- ₹55.47
ICICI Prudential Retirement Fund Pure Equity Plan
Solution
- 3 year return
- 18.8%
- Expense ratio
- 0.93%
- NAV
- ₹36.62
Which is better, ICICI Prudential Dividend Yield or ICICI Prudential Retirement Fund Pure Equity 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 Pure Equity Plan returned more over 5 years: 17.2% a year against 14.7%.
- ICICI Prudential Retirement Fund Pure Equity Plan returned more over 3 years: 18.8% a year against 13.4%.
- ICICI Prudential Dividend Yield costs less: 0.76% a year against 0.93% (Direct plans).
- ICICI Prudential Dividend Yield swung less over 3 years: a standard deviation of 12.8% a year against 16.1%.
- ICICI Prudential Retirement Fund Pure Equity Plan fell less in its worst fall since 28-02-2019: −37.2% against −39.4%.
- ICICI Prudential Dividend Yield holds more in large companies: 75.5% of the fund in large caps against 49.5%.
- ICICI Prudential Dividend Yield is the larger fund: ₹6,328 Cr against ₹2,106 Cr.
- Their portfolios overlap 34.6%: 22 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 | ICICI Prudential Dividend Yield Fund | ICICI Prudential Retirement Fund Pure Equity Plan |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | ICICI Prudential Mutual Fund |
| Category | Dividend Yield | Solution |
| AUM | ₹6,328 Cr (30-09-2026) | ₹2,106 Cr (30-09-2026) |
| NAV | ₹55.47 (Direct) | ₹36.62 (Direct) |
| Expense ratio (Direct) | 0.76% | 0.93% |
| Expense ratio (Regular) | 1.92% | 2.16% |
| Riskometer | Not available | Not available |
| Benchmark | Not available | Nifty 500 TRI |
| Launch date | Not available | 27-02-2019 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | 5 years, or until retirement if earlier |
| Fund managers | Not available | Darshil Dedhia, Rohit Lakhotia, Sanket Gaidhani, Sharmila D'mello |
| Exit load | Not available | Nil |
ICICI Prudential Dividend Yield vs ICICI Prudential Retirement Fund Pure Equity 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 |
|---|---|---|---|---|---|---|---|
| ICICI Prudential Dividend Yield Fund (Direct) | −1.58% | −8.44% | −6.17% | −9.73% | +13.40% | +14.70% | +14.56% |
| ICICI Prudential Retirement Fund Pure Equity Plan (Direct) | −3.20% | −6.68% | −4.14% | −2.66% | +18.82% | +17.17% | -- |
| Dividend Yield average | −1.57% | −5.69% | −3.24% | −5.57% | +12.14% | +12.06% | -- |
Category average: the average of the 12 Dividend Yield funds, same plan type.
ICICI Prudential Dividend Yield vs ICICI Prudential Retirement Fund Pure Equity Plan: Year-wise Returns
| Year | Dividend YieldICICI Prudential Dividend Yield | Retirement Fund Pure Equity PlanICICI Prudential Retirement Fund Pure Equity Plan | Nifty 500 TRI |
|---|---|---|---|
| 2026to date | −9.83% | −3.33% | −7.51% |
| 2025 | +13.23% | +15.56% | +7.76% |
| 2024 | +22.67% | +25.21% | +16.24% |
| 2023 | +40.83% | +39.85% | +26.91% |
| 2022 | +10.82% | +3.60% | +4.25% |
| 2021 | +48.66% | +49.34% | +31.60% |
ICICI Prudential Dividend Yield vs ICICI Prudential Retirement Fund Pure Equity Plan: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 1,149 of them, one for each trading day from 28-02-2022 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.
ICICI Prudential Dividend Yield Fund (Direct)
ICICI Prudential Retirement Fund Pure Equity Plan (Direct)
Nifty 500 TRI
to
Jul 2022Apr 2020
to
Apr 2023Feb 2021
to
Feb 2024Nov 2021
to
Nov 2024Sept 2022
to
Sept 2025Jun 2023
to
Jun 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICI Prudential Dividend Yield | 0.0 | 0.0 | 0.0 | 2.9 | 13.5 | 31.7 | 52.0 | 26.2% | 25.2% | 12.7% | 42.8% | 100% |
| ICICI Prudential Retirement Fund Pure Equity Plan | 0.0 | 0.0 | 0.0 | 0.1 | 16.9 | 29.0 | 54.0 | 25.2% | 25.6% | 14.9% | 36.9% | 100% |
| Nifty 500 TRI | 0.0 | 0.0 | 1.7 | 20.3 | 53.4 | 18.0 | 6.7 | 17.9% | 17.4% | 8.8% | 33.5% | -- |
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. The benchmark is Nifty 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 28-02-2019. Past returns do not promise future returns.
ICICI Prudential Dividend Yield vs ICICI Prudential Retirement Fund Pure Equity 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 01-02-2019 to 30-10-2026: 93 instalments, ₹9,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| ICICI Prudential Dividend YieldICICI Prudential Dividend Yield Fund (Direct) | ₹9,30,000 | ₹18,63,532 | ₹9,33,532 | 17.5% |
| ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Retirement Fund Pure Equity Plan (Direct) | ₹9,30,000 | ₹19,88,936 | ₹10,58,936 | 19.1% |
ICICI Prudential Dividend YieldICICI Prudential Dividend Yield Fund (Direct)
ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Retirement Fund Pure Equity 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.
ICICI Prudential Dividend Yield vs ICICI Prudential Retirement Fund Pure Equity Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ICICI Prudential Dividend Yield Fund (Direct) | ICICI Prudential Retirement Fund Pure Equity Plan (Direct) |
|---|---|---|
| Return (CAGR) | −9.73% | −2.66% |
| Standard deviation | 12.68% | 14.52% |
| Sharpe ratio | -1.18 | -0.54 |
| Sortino ratio | -1.56 | -0.74 |
| Maximum drawdown | −12.1% (30-03-2026) | −11.4% (30-03-2026) |
| Beta | 0.86 | 0.98 |
| Alpha | −4.11% | +4.46% |
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 | ICICI Prudential Dividend Yield Fund (Direct) | ICICI Prudential Retirement Fund Pure Equity Plan (Direct) |
|---|---|---|
| Return (CAGR) | +13.40% | +18.82% |
| Standard deviation | 12.77% | 16.08% |
| Sharpe ratio | 0.58 | 0.80 |
| Sortino ratio | 0.79 | 1.07 |
| Maximum drawdown | −15.9% (28-02-2025) | −16.9% (28-02-2025) |
| Beta | 0.87 | 1.08 |
| Alpha | +3.73% | +8.26% |
From daily NAVs, 30-10-2023 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 | ICICI Prudential Dividend Yield Fund (Direct) | ICICI Prudential Retirement Fund Pure Equity Plan (Direct) |
|---|---|---|
| Return (CAGR) | +14.70% | +17.17% |
| Standard deviation | 12.69% | 15.43% |
| Sharpe ratio | 0.70 | 0.74 |
| Sortino ratio | 0.96 | 1.02 |
| Maximum drawdown | −15.9% (28-02-2025) | −16.9% (28-02-2025) |
| Beta | 0.85 | 0.98 |
| Alpha | +6.34% | +8.43% |
From daily NAVs, 29-10-2021 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 | ICICI Prudential Dividend Yield Fund (Direct) | ICICI Prudential Retirement Fund Pure Equity Plan (Direct) |
|---|---|---|
| Return (CAGR) | +14.77% | +18.43% |
| Standard deviation | 14.59% | 17.18% |
| Sharpe ratio | 0.62 | 0.77 |
| Sortino ratio | 0.83 | 1.04 |
| Maximum drawdown | −44.8% (23-03-2020) | −37.2% (23-03-2020) |
| Beta | 0.84 | 0.93 |
| Alpha | +3.28% | +5.43% |
From daily NAVs, 19-05-2014 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.
ICICI Prudential Dividend Yield Fund (Direct)
ICICI Prudential Retirement Fund Pure Equity Plan (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ICICI Prudential Dividend Yield Fund (Direct) | −39.4% | 28-05-2019 | 23-03-2020 | 03-12-2020 | 8 months | −11.0% |
| ICICI Prudential Retirement Fund Pure Equity Plan (Direct) | −37.2% | 24-01-2020 | 23-03-2020 | 18-11-2020 | 8 months | −8.8% |
| Nifty 500 TRI | −38.1% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −8.8% |
From daily values since 28-02-2019, 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.
ICICI Prudential Dividend Yield Fund (Direct)
ICICI Prudential Retirement Fund Pure Equity Plan (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
ICICI Prudential Dividend Yield Fund (Direct)
ICICI Prudential Retirement Fund Pure Equity Plan (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
ICICI Prudential Dividend Yield Fund (Direct)
ICICI Prudential Retirement Fund Pure Equity Plan (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| ICICI Prudential Dividend Yield Fund (Direct) | 101% | 80% | 5.91% |
| ICICI Prudential Retirement Fund Pure Equity Plan (Direct) | 102% | 78% | 7.00% |
From month-end values since 28-02-2019. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
ICICI Prudential Dividend Yield vs ICICI Prudential Retirement Fund Pure Equity Plan: Portfolio Overlap
From each fund's latest monthly portfolio: ICICI Prudential Dividend Yield Fund, September 2026; ICICI Prudential Retirement Fund Pure Equity Plan, September 2026
Holdings in common
- Overlap
- 34.6%
- Held by both
- 22
- Only in ICICI Prudential Dividend Yield
- 54
- Only in ICICI Prudential Retirement Fund Pure Equity Plan
- 64
| Security | % of ICICI Prudential Dividend Yield | % of ICICI Prudential Retirement Fund Pure Equity Plan |
|---|---|---|
| HDFC Bank Ltd. | 7.35% | 4.99% |
| Reliance Industries Ltd. | 4.29% | 3.94% |
| Bharti Airtel Ltd. | 2.55% | 2.36% |
| ICICI Bank Ltd. | 6.46% | 2.29% |
| Cummins India Ltd. | 2.27% | 2.31% |
| Avenue Supermarts Ltd. | 2.25% | 2.25% |
| Life Insurance Corporation of India | 2.31% | 2.11% |
| Britannia Industries Ltd. | 1.75% | 2.13% |
| Larsen & Toubro Ltd. | 2.96% | 1.74% |
| Ultratech Cement Ltd. | 2.73% | 1.66% |
| Interglobe Aviation Ltd. | 3.19% | 1.46% |
| Mahindra & Mahindra Ltd. | 1.35% | 2.00% |
| Hindustan Unilever Ltd. | 1.33% | 3.60% |
| Info Edge (India) Ltd. | 0.88% | 1.34% |
| NTPC Ltd. | 3.50% | 0.72% |
| ITC Ltd. | 0.70% | 1.69% |
| Ambuja Cements Ltd. | 0.62% | 0.88% |
| HDFC Life Insurance Company Ltd. | 0.55% | 0.85% |
| PI Industries Ltd. | 1.22% | 0.53% |
| Infosys Ltd. | 1.10% | 0.52% |
| 360 One Wam Ltd. | 1.24% | 0.33% |
| Shree Cements Ltd. | 0.23% | 0.80% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 34.6% means 34.6% 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 ICICI Prudential Dividend Yield Fund
| Security | % of fund |
|---|---|
| Sun Pharmaceutical Industries Ltd. | 5.24% |
| Axis Bank Ltd. | 4.32% |
| Maruti Suzuki India Ltd. | 3.04% |
| Bajaj Holdings & Investment Ltd. | 2.13% |
| Tata Consultancy Services Ltd. | 2.02% |
Largest holdings only in ICICI Prudential Retirement Fund Pure Equity Plan
| Security | % of fund |
|---|---|
| Multi Commodity Exchange Of India Ltd. | 3.81% |
| Apar Industries Ltd. | 2.29% |
| Usha Martin Ltd. | 1.91% |
| United Spirits Ltd. | 1.81% |
| ABB India Ltd. | 1.75% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ICICI Prudential Dividend Yield | ICICI Prudential Retirement Fund Pure Equity Plan |
|---|---|---|
| Equity | 96.7% | 95.8% |
| Debt | 1.1% | 0.0% |
| Cash and others | 2.2% | 4.2% |
Market cap of stocks
| Market cap | ICICI Prudential Dividend Yield | ICICI Prudential Retirement Fund Pure Equity Plan |
|---|---|---|
| Large Cap | 75.5% | 49.5% |
| Mid Cap | 10.8% | 24.7% |
| Small Cap | 10.5% | 20.6% |
| Not on AMFI's list | 0.0% | 0.9% |
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 | ICICI Prudential Dividend Yield | ICICI Prudential Retirement Fund Pure Equity Plan |
|---|---|---|
| Banks | 21.8% | 7.3% |
| Electrical Equipment | 0.0% | 8.3% |
| Industrial Products | 2.3% | 7.6% |
| Finance | 7.0% | 0.7% |
| Petroleum Products | 5.9% | 3.9% |
| Capital Markets | 1.2% | 5.9% |
| Pharmaceuticals & Biotechnology | 5.8% | 2.1% |
| Diversified Fmcg | 2.0% | 5.3% |
| Insurance | 5.2% | 3.0% |
| Consumer Durables | 0.5% | 4.7% |
| Power | 4.5% | 0.8% |
The six largest sectors of each fund's stocks, % of the fund.
ICICI Prudential Dividend Yield vs ICICI Prudential Retirement Fund Pure Equity Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ICICI Prudential Dividend Yield Fund | ICICI Prudential Retirement Fund Pure Equity Plan |
|---|---|---|
| Total expense ratio (Direct) | 0.76% | 0.93% |
| Base expense ratio (Direct) | 0.57% | 0.68% |
| Total expense ratio (Regular) | 1.92% | 2.16% |
| Base expense ratio (Regular) | 1.56% | 1.75% |
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.
More comparisons
Each fund against the others of its category
ICICI Prudential Dividend Yield Fund vs ICICI Prudential Retirement Fund Pure Equity Plan: Frequently Asked Questions
What is the difference between ICICI Prudential Dividend Yield Fund and ICICI Prudential Retirement Fund Pure Equity Plan?
ICICI Prudential Dividend Yield Fund is a Dividend Yield fund, ICICI Prudential Retirement Fund Pure Equity Plan is a Solution fund, run by ICICI Prudential Mutual Fund. Their portfolios overlap 34.6%. ICICI Prudential Dividend Yield Fund charges 0.76% a year and ICICI Prudential Retirement Fund Pure Equity Plan 0.93%.
Which has given higher returns, ICICI Prudential Dividend Yield Fund or ICICI Prudential Retirement Fund Pure Equity Plan?
Over 1 year: ICICI Prudential Dividend Yield Fund −9.73%, ICICI Prudential Retirement Fund Pure Equity Plan −2.66%. Over 3 years: ICICI Prudential Dividend Yield Fund +13.40% a year, ICICI Prudential Retirement Fund Pure Equity Plan +18.82% a year. Over 5 years: ICICI Prudential Dividend Yield Fund +14.70% a year, ICICI Prudential Retirement Fund Pure Equity Plan +17.17% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, ICICI Prudential Dividend Yield Fund or ICICI Prudential Retirement Fund Pure Equity Plan?
ICICI Prudential Dividend Yield Fund charges less: 0.76% a year against 0.93%. These are the Direct plans' total expense ratios reported to AMFI.
How much do ICICI Prudential Dividend Yield Fund and ICICI Prudential Retirement Fund Pure Equity Plan overlap?
34.6%. They hold 22 of the same securities, the largest shared ones being HDFCBANK, RELIANCE, BHARTIARTL. From each fund's latest monthly portfolio.
Which is better for SIP, ICICI Prudential Dividend Yield Fund or ICICI Prudential Retirement Fund Pure Equity Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹8,17,450 in ICICI Prudential Dividend Yield Fund (XIRR 11.5% a year) and ₹8,93,848 in ICICI Prudential Retirement Fund Pure Equity Plan (XIRR 15.0% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both ICICI Prudential Dividend Yield Fund and ICICI Prudential Retirement Fund Pure Equity Plan?
Yes. 34.6% of each fund's money sits in the same holdings, so some of the two investments would move together.
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.