ICICI Prudential Retirement Fund Pure Debt Plan

SolutionDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

ICICI Prudential Retirement Fund Pure Debt Plan is a mutual fund run by ICICI Prudential Mutual Fund. On 30-09-2026, it managed ₹79 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.3% a year and its Regular plan returned 5.3% a year. Its benchmark, NIFTY Composite Debt Index, returned 5.6% a year over the same 3 years.

NAV (Direct plan): ₹17.09; ▼ 0.04%30-10-2026
NAV (Regular plan): ₹15.56; ▼ 0.04%30-10-2026
Expense ratio: 1.22%Direct2.14%Regular; 1.22%; A year
Riskometer: Not available; Set by the fund house
3 year return: 6.3%Direct5.3%Regular; 6.3%; A year

ICICI Prudential Retirement Fund Pure Debt Plan NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹17.09 (down 0.04% that day); Regular Plan Growth ₹15.56 (down 0.04% that day).

This fund (Direct plan)

₹17.093

ICICI Prudential Retirement Fund Pure Debt Plan Returns vs NIFTY Composite Debt Index

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−0.51%	−0.46%	+1.67%	+3.20%	+6.26%	+5.74%	--
This fund (Regular)	−0.58%	−0.69%	+1.20%	+2.25%	+5.26%	+4.74%	--
NIFTY Composite Debt Index	−0.57%	−1.17%	+1.58%	+1.51%	+5.63%	+5.17%	--
Category average	--	--	--	--	--	--	--
Best in category	--	--	--	--	--	--	--
Worst in category	--	--	--	--	--	--	--
Rank in category	--	--	--	--	--	--	--

No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. The benchmark row is as on 30-09-2026, as NSE published it.

ICICI Prudential Retirement Fund Pure Debt Plan Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+2.34%	+1.56%
2025	+6.73%	+5.80%
2024	+8.38%	+7.24%
2023	+7.06%	+6.10%
2022	+3.73%	+2.79%
2021	+4.62%	+3.00%

ICICI Prudential Retirement Fund Pure Debt Plan Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 1,130 periods, one for each trading day from 28-02-2022 to 30-10-2026.

0%2%4%6%8%10%

Jul 2019
to
Jul 2022Apr 2020
to
Apr 2023Feb 2021
to
Feb 2024Nov 2021
to
Nov 2024Sept 2022
to
Sept 2025Jun 2023
to
Jun 2026

ICICI Prudential Retirement Fund Pure Debt Plan (Direct)

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss
1 year	1,614	7.0%	2.2%	14.3%	0%
2 years	1,370	7.2%	4.1%	11.3%	0%
3 years	1,130	6.8%	5.0%	9.3%	0%
5 years	645	6.7%	5.7%	7.9%	0%
7 years	160	7.2%	6.6%	7.7%	0%

Period	Periods	Median	Lowest	Highest	With a loss
1 year	81	6.9%	1.4%	14.4%	0%
2 years	69	6.7%	3.2%	10.5%	0%
3 years	57	6.4%	4.9%	8.7%	0%
5 years	33	6.7%	6.1%	7.4%	0%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.

ICICI Prudential Retirement Fund Pure Debt Plan Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	ICICI Prudential Retirement Fund Pure Debt Plan (Direct)This fund
Return (CAGR)	+3.20%
Standard deviation	1.75%
Sharpe ratio	-1.17
Sortino ratio	-1.54
Maximum drawdown	−1.4% (23-10-2026)

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.

Measure	ICICI Prudential Retirement Fund Pure Debt Plan (Direct)This fund
Return (CAGR)	+6.26%
Standard deviation	1.32%
Sharpe ratio	0.18
Sortino ratio	0.25
Maximum drawdown	−1.4% (23-10-2026)

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.

Measure	ICICI Prudential Retirement Fund Pure Debt Plan (Direct)This fund
Return (CAGR)	+5.74%
Standard deviation	1.34%
Sharpe ratio	-0.05
Sortino ratio	-0.06
Maximum drawdown	−1.4% (23-10-2026)

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.

Measure	ICICI Prudential Retirement Fund Pure Debt Plan (Direct)This fund
Return (CAGR)	+7.22%
Standard deviation	1.76%
Sharpe ratio	1.16
Sortino ratio	1.75
Maximum drawdown	−2.7% (26-03-2020)

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.

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.

−3%−2.5%−2%−1.5%−1%−0.5%0%

2020202120222023202420252026

ICICI Prudential Retirement Fund Pure Debt Plan (Direct)

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
ICICI Prudential Retirement Fund Pure Debt Plan (Direct)	−2.7%	06-03-2020	26-03-2020	23-04-2020	28 days	−1.1%

From the Direct plan's daily NAV since 28-02-2019, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.

ICICI Prudential Retirement Fund Pure Debt Plan Expense Ratio and Costs

What each plan charges a year, in force from 01-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio
Direct	1.04%	0.00%	0.00%	0.18%	1.22%
Regular	1.84%	0.00%	0.00%	0.30%	2.14%

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	2.25%	3.20%	0.95%	₹1,02,250	₹1,03,200
3 years	5.26%	6.26%	1.00% a year	₹1,16,625	₹1,19,980
5 years	4.74%	5.74%	1.00% a year	₹1,26,056	₹1,32,189

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

ICICI Prudential Retirement Fund Pure Debt Plan SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹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
Direct planICICI Prudential Retirement Fund Pure Debt Plan (Direct)	₹9,30,000	₹11,83,878	₹2,53,878	6.1%
Regular planICICI Prudential Retirement Fund Pure Debt Plan (Regular)	₹9,30,000	₹11,32,751	₹2,02,751	5.0%

₹0₹5.0 L₹10.0 L₹15.0 L

2020202120222023202420252026

Direct planICICI Prudential Retirement Fund Pure Debt Plan (Direct)Regular planICICI Prudential Retirement Fund Pure Debt Plan (Regular)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 Pure Debt Plan Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

88.0%Debt

Asset	Fund
Debt	88.0%
Cash and others	12.0%

Credit rating

Bonds and money market papers by credit rating, % of the fund.

Rating	Fund
Sovereign	37.5%
AAA and A1+	25.3%
AA	25.2%

ICICI Prudential Retirement Fund Pure Debt Plan Portfolio Holdings

As on 30-09-2026 · 16 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
Government Securities · Government security	SOV	17.33%
Government Securities · Government security	SOV	11.97%
Nirma Ltd. · Bond	CRISIL AA	7.56%
Housing and Urban Development Corporation Ltd. · Bond	ICRA AAA	6.42%
LIC Housing Finance Ltd. · Bond	CRISIL AAA	6.39%
Muthoot Finance Ltd. · Bond	CRISIL AA+	6.30%
Government Securities · Government security	SOV	5.64%
Rural Electrification Corporation Ltd. · Bond	CRISIL AAA	5.11%
Vedanta Ltd. · Bond	CRISIL AA+	3.81%
Eris Lifesciences Ltd. · Bond	FITCH AA	3.78%
Cholamandalam Investment And Finance Company Ltd. · Bond	ICRA AA+	3.77%
Power Finance Corporation Ltd. · Bond	CRISIL AAA	3.74%
Government Securities · Government security	SOV	2.52%
HDFC Bank Ltd. · Bond	CRISIL AAA	1.37%
Small Industries Development Bank Of India. · Bond	CRISIL AAA	1.24%
Power Finance Corporation Ltd. · Bond	CRISIL AAA	1.01%

ICICI Prudential Retirement Fund Pure Debt Plan Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
ICICI Prudential Retirement Fund Hybrid Conservative PlanSolution · ICICI Prudential	47.4%	10	Compare
ICICI Prudential Gilt FundGilt · ICICI Prudential	31.3%	4	Compare
Canara Robeco Medium to Long Term FundMedium to Long Duration · Canara Robeco	25.5%	3	Compare
HDFC Gilt FundGilt · HDFC	24.1%	3	Compare
Mirae Asset Dynamic Term FundDynamic Bond · Mirae Asset	23.0%	2	Compare
Aditya Birla Sun Life CRISIL Broad Based Gilt ETFETF · Aditya Birla Sun Life	23.0%	2	Compare
SBI Long Term FundLong Duration · SBI	23.0%	2	Compare
ICICI Prudential Medium to Long Term FundMedium to Long Duration · ICICI Prudential	22.1%	5	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

ICICI Prudential Retirement Fund Pure Debt Plan Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 1.22%
Expense ratio (Regular): 2.14%
Category: Solution
Risk: Not available
Benchmark: Nifty Composite Debt Index
Launch date: 27-02-2019
Minimum investment: ₹5,000
Minimum additional investment: ₹1,000
AUM: ₹79.47 Cr (30-09-2026)
Lock in: 5 years, or until retirement if earlier
Scheme code (Direct): 146727
ISIN (Direct): INF109KC1UE0
Scheme code (Regular): 146726
ISIN (Regular): INF109KC1UC4
NAV history: From 28-02-2019, 7.7 years

Exit load: Nil

Tax on ICICI Prudential Retirement Fund Pure Debt Plan returns

How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹17.093	30-10-2026
direct	IDCW	₹17.0929	30-10-2026
regular	Growth	₹15.5624	30-10-2026
regular	IDCW	₹15.5626	30-10-2026

About ICICI Prudential Retirement Fund Pure Debt Plan

ICICI Prudential Retirement Fund Pure Debt Plan is a mutual fund from ICICI Prudential Mutual Fund. Its category is Solution. It was launched on 27-02-2019. Its benchmark is Nifty Composite Debt Index. At the end of September 2026 it held 16 securities.

Fund Manager

Darshil Dedhia
Fund manager of ICICI Prudential Retirement Fund Pure Debt Plan, since 22-01-2024
Rohit Lakhotia
Fund manager of ICICI Prudential Retirement Fund Pure Debt Plan, since 12-06-2023

See all funds of ICICI Prudential Mutual Fund

AUM change

September 2026: ₹79.47 Cr; −1.08% from August 2026
August 2026: ₹80.34 Cr; −1.06% from July 2026
July 2026: ₹81.20 Cr; −1.48% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare ICICI Prudential Retirement Fund Pure Debt Plan with Other Funds

Returns, risk, costs and the stocks they share, side by side

Compare with any other fund

Frequently Asked Questions for ICICI Prudential Retirement Fund Pure Debt Plan

What is the current NAV of ICICI Prudential Retirement Fund Pure Debt Plan?

The Direct plan NAV is ₹17.093. The Regular plan NAV is ₹15.5624, as on 30-10-2026.

What are the returns of ICICI Prudential Retirement Fund Pure Debt Plan?

The Direct plan returned +3.20% in 1 year, +6.26% a year over 3 years, +5.74% a year over 5 years. The Regular plan returned +2.25% in 1 year, +5.26% a year over 3 years, +4.74% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of ICICI Prudential Retirement Fund Pure Debt Plan?

The Direct plan charges 1.22% a year. The Regular plan charges 2.14% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

What is the AUM of ICICI Prudential Retirement Fund Pure Debt Plan?

ICICI Prudential Retirement Fund Pure Debt Plan managed ₹79.47 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of ICICI Prudential Retirement Fund Pure Debt Plan?

At the end of September 2026 the largest holdings were Government Securities (17.33%), Government Securities (11.97%), Nirma Ltd. (7.56%), Housing and Urban Development Corporation Ltd. (6.42%), LIC Housing Finance Ltd. (6.39%). The fund held 16 securities in all.

How do I invest in ICICI Prudential Retirement Fund Pure Debt Plan?

Through ICICI Prudential Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.

Who is the fund manager of ICICI Prudential Retirement Fund Pure Debt Plan?

Darshil Dedhia (since 22-01-2024), Rohit Lakhotia (since 12-06-2023).

What is the exit load of ICICI Prudential Retirement Fund Pure Debt Plan?

Nil

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.