June 12, 2025
mayank
ICICI Prudential Retirement Fund-Hybrid Conservative Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 18.6864
NAV IDCW: Rs 18.6861
Suitable For Which Investors?
“Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.
They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.
Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.”
Fund’s Investment Strategy:
The scheme seeks to generate regular income through investments predominantly in debt and money market instruments. The Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.
Fund Manager:
1) Darshil Dedhia
Education: Mr. Dedhia has done CA and CFA.
Experience: He has been working with ICICI Prudential Mutual Fund since 2013.
2) Rohit Lakhotia
Education: Mr. Lakhotia has done B.Tech from NIT(Rourkela) and MBA from National Institute of Industrial Engineering
Experience: Prior to joining ICICI Prudential Mutual Fund, he has worked with Yes Bank and Samsung Electronics
3) Lalit Kumar
Education: Mr. Kumar is a PGDM (IIM) and B.Tech in Electrical Engineering (IIT).
Experience: Prior to joining ICICI Prudential Mutual Fund, he has worked with East Bridge Advisors Pvt. Ltd, Nomura Financial Advisory & Securities, Merrill Lynch and Cypress Semiconductors.
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | 1 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | — |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of ICICI Prudential Retirement Fund-Hybrid Conservative Plan
| Fund House | ICICI Prudential Mutual Fund |
| Launch Date | 27-Feb-19 |
| Return Since Launch | 10.45% |
| Benchmark | NIFTY 50 Hybrid Composite Debt 15:85 Conservative |
| Riskometer | High |
| Type | Open-ended |
| Assets | Rs 82 Cr |
| (As on 31-May-2025) | |
| Expense | 0.78% |
| (As on 31-May-2025) | |
| Risk Grade | Above Average |
| Return Grade | Average |
| Turnover | 16.00% |
Trailing Returns (%) of ICICI Prudential Retirement Fund-Hybrid Conservative Plan
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| ICICI Pru Retirement Hybrid Conservative Dir | 4.82 | -0.05 | 3.16 | 6.30 | 3.77 | 9.09 | 12.52 | 11.24 | — | — |
| VR Conservative Hybrid TRI | 5.39 | -0.09 | 2.29 | 5.96 | 4.32 | 9.82 | 10.68 | 9.66 | — | — |
| Hybrid: Conservative Hybrid | 4.15 | -0.05 | 2.04 | 5.56 | 3.29 | 9.29 | 11.33 | 11.03 | — | — |
| Rank within category | 5 | 16 | 2 | 5 | 8 | 15 | 5 | 10 | — | — |
| Number of funds in category | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 25 | 22 | 21 |
Peer Comparison of ICICI Prudential Retirement Fund-Hybrid Conservative Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| ICICI Pru Retirement Hybrid Conservative Dir | 3 star | 9.09 | 12.52 | 11.24 | 0.78 | 82 | 10.45 | — | 6Y 3M | 16.00 |
| SBI Conservative Hybrid Dir | 4 star | 8.32 | 11.71 | 12.87 | 1.05 | 9,643 | 10.11 | 1.00 (365) | 12Y 5M | — |
| HDFC Hybrid Debt Dir | 4 star | 8.60 | 12.47 | 13.23 | 1.14 | 3,406 | 10.09 | 1.00 (365) | 12Y 5M | — |
| ICICI Pru Regular Savings Dir | 4 star | 10.47 | 11.86 | 11.78 | 0.97 | 3,188 | 10.83 | 1.00 (365) | 12Y 5M | 20.00 |
| Kotak Debt Hybrid Dir | 4 star | 8.95 | 13.22 | 13.55 | 0.48 | 3,129 | 11.08 | 1.00 (180) | 12Y 5M | 24.23 |
Portfolio Analysis of ICICI Prudential Retirement Fund-Hybrid Conservative Plan
| Number of Stocks | 26 |
| Number of Bonds | 12 |
| Average Maturity (yrs) * | 8.74 |
| Top 10 Holdings | 60.77% |
| Portfolio P/B Ratio | 3.54 |
| Portfolio P/E Ratio | 25.10 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 95,319 | 2,46,784 |
| Giant (%) | 41.49 | 61.04 |
| Large (%) | 30.98 | 14.27 |
| Mid (%) | 20.27 | 16.91 |
| Small (%) | 7.26 | 9.66 |
| Tiny (%) | — | 0.19 |
| Fund | Category | |
| Number of Securities | 38 | 65 |
| Macaulay Duration (yrs) | 4.16 | 5.67 |
| Average Maturity (yrs) | 8.74 | 9.97 |
| Yield to Maturity (%) | 6.96 | 6.89 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For ICICI Prudential Retirement Fund-Hybrid Conservative Plan
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