ICICI Prudential Retirement Fund Hybrid Aggressive Plan vs JM Large Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
ICICI Prudential Retirement Fund Hybrid Aggressive Plan is a Solution fund and JM Large Cap Fund is a Large Cap fund. In the 3 years to 30-10-2026, ICICI Prudential Retirement Fund Hybrid Aggressive Plan (Direct) returned 16.2% a year and JM Large Cap Fund (Direct) returned 10.5% a year. ICICI Prudential Retirement Fund Hybrid Aggressive Plan charges 1.21% a year and JM Large Cap Fund 1.19% (Direct plans). Their portfolios overlap 26.9%: they hold 19 of the same securities.
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
Solution
- 3 year return
- 16.2%
- Expense ratio
- 1.21%
- NAV
- ₹29.09
Which is better, ICICI Prudential Retirement Fund Hybrid Aggressive Plan or JM Large Cap? 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 Aggressive Plan returned more over 5 years: 13.1% a year against 9.5%.
- ICICI Prudential Retirement Fund Hybrid Aggressive Plan returned more over 3 years: 16.2% a year against 10.5%.
- JM Large Cap costs less: 1.19% a year against 1.21% (Direct plans).
- ICICI Prudential Retirement Fund Hybrid Aggressive Plan swung less over 3 years: a standard deviation of 13.7% a year against 14.9%.
- JM Large Cap fell less in its worst fall since 28-02-2019: −19.8% against −28.7%.
- JM Large Cap holds more in large companies: 81.1% of the fund in large caps against 41.5%.
- ICICI Prudential Retirement Fund Hybrid Aggressive Plan is the larger fund: ₹1,268 Cr against ₹356 Cr.
- Their portfolios overlap 26.9%: 19 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 Retirement Fund Hybrid Aggressive Plan | JM Large Cap Fund |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | JM Financial Mutual Fund |
| Category | Solution | Large Cap |
| AUM | ₹1,268 Cr (30-09-2026) | ₹356 Cr (30-09-2026) |
| NAV | ₹29.09 (Direct) | ₹171.67 (Direct) |
| Expense ratio (Direct) | 1.21% | 1.19% |
| Expense ratio (Regular) | 2.48% | 2.67% |
| Riskometer | Not available | Very High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | BSE 100 TRI |
| Launch date | 27-02-2019 | 01-04-1995 |
| Minimum investment | ₹5,000 | ₹1,000 |
| Lock in | 5 years, or until retirement if earlier | None |
| Fund managers | Darshil Dedhia, Rohit Lakhotia, Manasvi Shah | Deepak Gupta, Asit Bhandarkar, Satish Ramanathan, Ruchi Fozdar |
| Exit load | Nil | Exit load of 1%, if redeemed within 30 days. |
ICICI Prudential Retirement Fund Hybrid Aggressive Plan vs JM Large Cap: 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 Retirement Fund Hybrid Aggressive Plan (Direct) | −4.47% | −6.94% | −3.45% | −2.68% | +16.20% | +13.13% | -- |
| JM Large Cap Fund (Direct) | +0.56% | −3.71% | +0.05% | −5.72% | +10.48% | +9.46% | +11.44% |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | +8.23% | +11.81% |
Category average: the average of the 35 Large Cap funds, same plan type.
ICICI Prudential Retirement Fund Hybrid Aggressive Plan vs JM Large Cap: Year-wise Returns
| Year | ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Retirement Fund Hybrid Aggressive Plan | JM Large CapJM Large Cap |
|---|---|---|
| 2026to date | −4.31% | −6.23% |
| 2025 | +14.20% | +5.51% |
| 2024 | +22.73% | +16.81% |
| 2023 | +33.39% | +30.52% |
| 2022 | +1.94% | +4.17% |
| 2021 | +28.32% | +24.56% |
ICICI Prudential Retirement Fund Hybrid Aggressive Plan vs JM Large Cap: Rolling Returns
Every holding period of both funds, against BSE 100 TRI, the benchmark of JM Large Cap Fund
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 Retirement Fund Hybrid Aggressive Plan (Direct)
JM Large Cap Fund (Direct)
BSE 100 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 Retirement Fund Hybrid Aggressive Plan | 0.0 | 0.0 | 0.0 | 13.8 | 29.9 | 55.1 | 1.2 | 19.6% | 20.6% | 10.2% | 25.8% | 66% |
| JM Large Cap | 0.0 | 0.0 | 2.3 | 22.5 | 57.0 | 18.2 | 0.0 | 17.0% | 16.9% | 8.6% | 24.0% | 64% |
| BSE 100 TRI | 0.0 | 0.0 | 3.7 | 32.3 | 49.3 | 9.9 | 4.8 | 16.4% | 16.0% | 7.0% | 32.8% | -- |
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 BSE 100 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 Retirement Fund Hybrid Aggressive Plan vs JM Large Cap: 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 28-02-2019 to 30-10-2026: 93 instalments, ₹9,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Retirement Fund Hybrid Aggressive Plan (Direct) | ₹9,30,000 | ₹16,88,663 | ₹7,58,663 | 15.0% |
| JM Large CapJM Large Cap Fund (Direct) | ₹9,30,000 | ₹14,64,030 | ₹5,34,030 | 11.5% |
ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Retirement Fund Hybrid Aggressive Plan (Direct)
JM Large CapJM Large Cap Fund (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 Retirement Fund Hybrid Aggressive Plan vs JM Large Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ICICI Prudential Retirement Fund Hybrid Aggressive Plan (Direct) | JM Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −2.68% | −5.72% |
| Standard deviation | 12.73% | 14.51% |
| Sharpe ratio | -0.62 | -0.76 |
| Sortino ratio | -0.82 | -1.01 |
| Maximum drawdown | −10.8% (23-10-2026) | −14.5% (31-03-2026) |
| Beta | -- | 1.02 |
| Alpha | -- | +3.51% |
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 Retirement Fund Hybrid Aggressive Plan (Direct) | JM Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +16.20% | +10.48% |
| Standard deviation | 13.75% | 14.91% |
| Sharpe ratio | 0.74 | 0.30 |
| Sortino ratio | 1.00 | 0.40 |
| Maximum drawdown | −14.7% (28-02-2025) | −19.8% (28-02-2025) |
| Beta | -- | 1.06 |
| Alpha | -- | +1.33% |
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 Retirement Fund Hybrid Aggressive Plan (Direct) | JM Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.13% | +9.46% |
| Standard deviation | 12.51% | 14.57% |
| Sharpe ratio | 0.59 | 0.25 |
| Sortino ratio | 0.79 | 0.34 |
| Maximum drawdown | −14.7% (28-02-2025) | −19.8% (28-02-2025) |
| Beta | -- | 1.01 |
| Alpha | -- | +1.65% |
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 Retirement Fund Hybrid Aggressive Plan (Direct) | JM Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +14.93% | +11.86% |
| Standard deviation | 13.68% | 13.37% |
| Sharpe ratio | 0.71 | 0.43 |
| Sortino ratio | 0.95 | 0.60 |
| Maximum drawdown | −28.7% (23-03-2020) | −19.8% (28-02-2025) |
| Beta | -- | 0.77 |
| Alpha | -- | +1.17% |
From daily NAVs, 28-02-2019 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 Retirement Fund Hybrid Aggressive Plan (Direct)
JM Large Cap Fund (Direct)
BSE 100 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan (Direct) | −28.7% | 07-02-2020 | 23-03-2020 | 06-11-2020 | 7 months | −9.5% |
| JM Large Cap Fund (Direct) | −19.8% | 27-09-2024 | 28-02-2025 | Not yet | -- | −9.9% |
| BSE 100 TRI | −38.0% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −10.4% |
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 Retirement Fund Hybrid Aggressive Plan (Direct)
JM Large Cap Fund (Direct)
BSE 100 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 Retirement Fund Hybrid Aggressive Plan (Direct)
JM Large Cap Fund (Direct)
BSE 100 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 Retirement Fund Hybrid Aggressive Plan (Direct)
JM Large Cap Fund (Direct)
BSE 100 TRI
Against BSE 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan (Direct) | 88% | 67% | 6.84% |
| JM Large Cap Fund (Direct) | 86% | 77% | 7.92% |
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 Retirement Fund Hybrid Aggressive Plan vs JM Large Cap: Portfolio Overlap
From each fund's latest monthly portfolio: ICICI Prudential Retirement Fund Hybrid Aggressive Plan, September 2026; JM Large Cap Fund, September 2026
Holdings in common
- Overlap
- 26.9%
- Held by both
- 19
- Only in ICICI Prudential Retirement Fund Hybrid Aggressive Plan
- 65
- Only in JM Large Cap
- 30
| Security | % of ICICI Prudential Retirement Fund Hybrid Aggressive Plan | % of JM Large Cap |
|---|---|---|
| Mahindra & Mahindra Ltd. | 2.39% | 2.47% |
| Titan Company Ltd. | 2.32% | 2.50% |
| HDFC Bank Ltd. | 2.29% | 2.69% |
| Reliance Industries Ltd. | 1.81% | 3.36% |
| United Spirits Ltd. | 1.63% | 1.75% |
| Axis Bank Ltd. | 1.59% | 2.88% |
| 360 One Wam Ltd. | 1.56% | 1.80% |
| Apollo Hospitals Enterprise Ltd. | 1.45% | 2.70% |
| Bajaj Finance Ltd. | 1.39% | 2.79% |
| Bharat Electronics Ltd. | 1.56% | 1.32% |
| Samvardhana Motherson International Ltd. | 2.27% | 1.24% |
| State Bank Of India | 1.19% | 4.56% |
| Tata Steel Ltd. | 1.13% | 1.23% |
| Polycab India Ltd. | 1.94% | 1.12% |
| TVS Motor Company Ltd. | 1.11% | 2.25% |
| CG Power and Industrial Solutions Ltd. | 0.93% | 1.10% |
| Larsen & Toubro Ltd. | 0.93% | 2.90% |
| BSE Ltd. | 1.26% | 0.90% |
| Maruti Suzuki India Ltd. | 0.61% | 1.77% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 26.9% means 26.9% 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 Retirement Fund Hybrid Aggressive Plan
| Security | % of fund |
|---|---|
| Life Insurance Corporation of India | 4.38% |
| Government Securities | 2.82% |
| Vedanta Ltd. | 2.39% |
| Indegene Ltd. | 2.08% |
| Kirloskar Oil Engines Ltd. | 1.96% |
Largest holdings only in JM Large Cap Fund
| Security | % of fund |
|---|---|
| Bharti Airtel Limited | 3.88% |
| ICICI Bank Limited | 3.56% |
| Kotak Mahindra Bank Limited | 3.15% |
| Adani Port & Special Economic Zone Ltd | 2.88% |
| Torrent Pharmaceuticals Limited | 2.80% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ICICI Prudential Retirement Fund Hybrid Aggressive Plan | JM Large Cap |
|---|---|---|
| Equity | 82.1% | 95.8% |
| Debt | 11.5% | 0.0% |
| Cash and others | 6.4% | 4.2% |
Market cap of stocks
| Market cap | ICICI Prudential Retirement Fund Hybrid Aggressive Plan | JM Large Cap |
|---|---|---|
| Large Cap | 41.5% | 81.1% |
| Mid Cap | 20.9% | 13.5% |
| Small Cap | 19.6% | 0.1% |
| Not on AMFI's list | 0.0% | 1.1% |
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 | ICICI Prudential Retirement Fund Hybrid Aggressive Plan | JM Large Cap |
|---|---|---|
| Banks | 5.1% | 16.9% |
| Automobiles | 5.5% | 8.3% |
| Industrial Products | 7.5% | 2.5% |
| Pharmaceuticals & Biotechnology | 4.2% | 6.3% |
| Retailing | 6.3% | 2.0% |
| Capital Markets | 6.0% | 5.1% |
| Finance | 2.7% | 5.2% |
| Consumer Durables | 5.2% | 2.5% |
| IT - Software | 0.0% | 4.2% |
The six largest sectors of each fund's stocks, % of the fund.
ICICI Prudential Retirement Fund Hybrid Aggressive Plan vs JM Large Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ICICI Prudential Retirement Fund Hybrid Aggressive Plan | JM Large Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.21% | 1.19% |
| Base expense ratio (Direct) | 0.73% | 0.82% |
| Total expense ratio (Regular) | 2.48% | 2.67% |
| Base expense ratio (Regular) | 1.86% | 2.10% |
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 Retirement Fund Hybrid Aggressive Plan vs JM Large Cap Fund: Frequently Asked Questions
What is the difference between ICICI Prudential Retirement Fund Hybrid Aggressive Plan and JM Large Cap Fund?
ICICI Prudential Retirement Fund Hybrid Aggressive Plan is a Solution fund, JM Large Cap Fund is a Large Cap fund, run by ICICI Prudential Mutual Fund and JM Financial Mutual Fund. Their portfolios overlap 26.9%. ICICI Prudential Retirement Fund Hybrid Aggressive Plan charges 1.21% a year and JM Large Cap Fund 1.19%.
Which has given higher returns, ICICI Prudential Retirement Fund Hybrid Aggressive Plan or JM Large Cap Fund?
Over 1 year: ICICI Prudential Retirement Fund Hybrid Aggressive Plan −2.68%, JM Large Cap Fund −5.72%. Over 3 years: ICICI Prudential Retirement Fund Hybrid Aggressive Plan +16.20% a year, JM Large Cap Fund +10.48% a year. Over 5 years: ICICI Prudential Retirement Fund Hybrid Aggressive Plan +13.13% a year, JM Large Cap Fund +9.46% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, ICICI Prudential Retirement Fund Hybrid Aggressive Plan or JM Large Cap Fund?
JM Large Cap Fund charges less: 1.19% a year against 1.21%. These are the Direct plans' total expense ratios reported to AMFI.
How much do ICICI Prudential Retirement Fund Hybrid Aggressive Plan and JM Large Cap Fund overlap?
26.9%. They hold 19 of the same securities, the largest shared ones being M&M, TITAN, HDFCBANK. From each fund's latest monthly portfolio.
Which is better for SIP, ICICI Prudential Retirement Fund Hybrid Aggressive Plan or JM Large Cap Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹8,40,826 in ICICI Prudential Retirement Fund Hybrid Aggressive Plan (XIRR 12.6% a year) and ₹7,49,911 in JM Large Cap Fund (XIRR 8.1% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both ICICI Prudential Retirement Fund Hybrid Aggressive Plan and JM Large Cap Fund?
Yes. 26.9% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages ICICI Prudential Retirement Fund Hybrid Aggressive Plan and JM Large Cap Fund?
ICICI Prudential Retirement Fund Hybrid Aggressive Plan: Darshil Dedhia, Rohit Lakhotia, Manasvi Shah. JM Large Cap Fund: Deepak Gupta, Asit Bhandarkar, Satish Ramanathan, Ruchi Fozdar.
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.