June 12, 2025
mayank
ICICI Prudential Retirement Fund-Pure Debt Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 16.3310
NAV IDCW: Rs 16.3308
Suitable For Which Investors?
Dynamic Bond funds have the freedom to invest in bonds of any duration. Depending on where it expects to earn maximum returns, the fund management team actively decides whether to invest in bonds maturing in a few months or in the ones maturing several years later.
However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for investment horizon of up to three years) in their longer-term portfolios.
Fund’s Investment Strategy:
The scheme seeks to generate income through investing in a range of debt and money market instruments of various duration while maintaining the optimum balance of yield, safety and liquidity.
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
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-Pure Debt Plan
| Fund House | ICICI Prudential Mutual Fund |
| Launch Date | 27-Feb-19 |
| Return Since Launch | 8.11% |
| Benchmark | NIFTY Composite Debt Index |
| Riskometer | Moderately High |
| Type | Open-ended |
| Assets | Rs 106 Cr |
| (As on 31-May-2025) | |
| Expense | 1.24% |
| (As on 31-May-2025) | |
| Risk Grade | Low |
| Return Grade | Below Average |
Trailing Returns (%) of ICICI Prudential Retirement Fund-Pure Debt Plan
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| ICICI Pru Retirement Pure Debt Dir | 4.36 | -0.06 | 0.64 | 2.98 | 4.64 | 9.20 | 7.88 | 6.85 | — | — |
| VR Bond | 3.58 | -0.14 | 0.31 | 2.43 | 3.73 | 8.05 | 7.76 | 5.53 | — | — |
| Debt: Dynamic Bond | 4.66 | -0.11 | 0.25 | 3.43 | 4.73 | 9.81 | 8.48 | 6.78 | — | — |
| Rank within category | 16 | 5 | 5 | 18 | 13 | 19 | 21 | 7 | — | — |
| Number of funds in category | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 21 | 19 | 17 |
Peer Comparison of ICICI Prudential Retirement Fund-Pure Debt 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 | |
| ICICI Pru Retirement Pure Debt Dir | 5 star | 9.20 | 7.88 | 6.85 | 1.24 | 106 | 8.11 | — | 6Y 3M |
| ICICI Pru All Seasons Bond Dir | 5 star | 10.43 | 9.40 | 7.76 | 0.59 | 14,981 | 9.77 | 0.25 (30) | 12Y 5M |
| ABSL Dynamic Bond Dir | 4 star | 10.74 | 9.69 | 8.22 | 0.64 | 1,950 | 7.85 | 0.50 (90) | 12Y 5M |
| 360 ONE Dynamic Bond Dir | 4 star | 11.21 | 8.64 | 7.73 | 0.27 | 686 | 7.56 | — | 11Y 11M |
| Nippon India Dynamic Bond Dir | 3 star | 11.21 | 9.41 | 6.53 | 0.35 | 4,613 | 8.04 | — | 12Y 5M |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 14 | 26 |
| Macaulay Duration (yrs) | 4.06 | 8.05 |
| Average Maturity (yrs) | 8.69 | 15.69 |
| Yield to Maturity (%) | 7.03 | 6.76 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For ICICI Prudential Retirement Fund-Pure Debt Plan
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