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ICICI Prudential Retirement Fund - Hybrid Aggressive Plan download report


1 Lakh

Investment Grown to
₹ 1.47 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.53 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
ICICI Pru Retirement Fund - Hybrid Aggressive Plan-G -2.11 0.13 0.54 4.64 5.16 -0.27 5.06 13.67 -- -- --
VR Balanced TRI 1.86 0.67 1.00 7.28 6.86 2.34 8.45 15.91 -- -- --
Hybrid: Aggressive Hybrid -0.95 0.42 0.70 5.79 5.58 0.08 4.76 15.05 -- -- --
Rank within category 32 45 36 46 32 31 19 27 -- -- --
Number of funds in category 47 47 47 47 47 47 47 43 31 25 22

As on 08-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan  | Invest Now
3 star
Feb-19 5.06 13.67 -- 2.45 147
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 6.76 15.12 11.52 1.51 53,018
ICICI Prudential Equity & Debt Fund  | Invest Now
5 star
Nov-99 16.12 20.97 13.51 1.80 18,587
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
4 star
Feb-93 4.32 16.58 11.52 1.87 8,033
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
4 star
Jul-15 3.95 15.00 10.92 1.80 6,396

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 7.67 01-Apr-2020 - 09-Apr-2020 -13.68 16-Mar-2020 - 23-Mar-2020
Month 13.38 23-Mar-2020 - 22-Apr-2020 -28.17 20-Feb-2020 - 23-Mar-2020
Quarter 24.00 15-Oct-2020 - 14-Jan-2021 -27.43 23-Dec-2019 - 23-Mar-2020
Year 65.32 23-Mar-2020 - 23-Mar-2021 -24.80 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
ICICI Pru Retirement Fund - Hybrid Aggressive Plan-G 13.29 16.05 0.61 0.63 0.84 -0.53
VR Balanced TRI 15.74 18.34 0.67 0.80 -- --
Hybrid: Aggressive Hybrid 14.92 17.06 0.67 0.73 0.88 0.59
Rank within category 30 9 30 30 11 28
Number of funds in category 43 43 43 43 43 43

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 43
Top 10 Holdings (%) 52.61
Top 5 Holdings (%) 33.21
Top 3 Sectors (%) 33.97
Portfolio P/B Ratio 3.06
Portfolio P/E Ratio 21.83
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style*

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 4.45% GOI 30/10/2034 GOI Securities SOV 0.00 - 8.61 8.15
equal 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 5.42 5.17
equal 8.41% Housing & Urban Development Corporation 15/03/2029 Debenture AAA 2.15 - 2.67 2.15
equal 9.15% ICICI Bank Additional Tier 1 Bond AA+ 2.07 - 2.56 2.07
equal 8.95% Pipeline Infrastructure 22/03/2024 Non Convertible Debenture AAA 1.40 - 1.75 1.40

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Bharti Airtel Communication 76.09 9.28 4.18 7.90
equal ICICI Bank Financial 21.32 6.66 4.27 5.75
up Reliance Industries Energy 26.18 5.73 0.00 5.73
equal Ultratech Cement Materials 26.51 5.67 0.00 5.67
equal SBI Life Insurance Company Insurance 83.14 7.19 0.00 4.02
equal Maruti Suzuki India Automobile 60.44 3.88 0.00 3.80
equal Lupin Healthcare -- 3.26 0.00 3.25
equal Tata Motors DVR Automobile -- 3.17 0.00 3.17
equal Mahindra & Mahindra Automobile 18.93 4.60 2.09 3.00
equal Cipla Healthcare 33.67 3.17 0.00 2.92
equal Bharat Petroleum Corporation Energy 26.63 2.55 0.00 2.55
equal ICICI Lombard General Insurance Company Insurance 42.39 3.46 0.00 2.55
down Infosys Technology 30.16 11.99 2.19 2.19
equal Nestle India Consumer Staples 90.22 2.16 0.00 2.16
equal Hindustan Petroleum Corporation Energy -- 2.06 0.00 2.06
new Interglobe Aviation Services -- 1.60 0.00 1.60
down Zydus Lifesciences Healthcare 8.14 1.69 0.00 1.48
equal AIA Engineering Metals & Mining 37.54 1.34 0.00 1.34
equal Gland Pharma Healthcare 34.83 2.30 0.00 1.20
equal Dr. Reddy's Lab Healthcare 23.64 3.51 0.00 1.08
equal Gujarat Gas Energy 25.98 1.33 0.00 1.02
new Divi's Laboratories Healthcare 35.30 0.98 0.00 0.98
equal Ambuja Cements Materials 31.91 1.00 0.00 0.97
new Jubilant FoodWorks Services 80.27 0.96 0.00 0.96
new Alkem Laboratories Healthcare 27.24 0.95 0.00 0.95

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

*As on 30-Jun-2022

Fund Manager

— Lalit Kumar since 04-May-2022

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.

Funds Managed:

— Anuj Tagra since 07-Feb-2019

Education: Mr. Anuj Tagra is a graduate of Guru Gobind Singh Indraprastha University and an MBA from Narsee Monjee Institute of Management Studies

Experience: Prior to joining ICICI Prudential AMC he has worked with Union Bank of India and Fidelity Investments.

Funds Managed:

— Manish Banthia since 07-Feb-2019

Education: Mr. Banthia is B.Com, CA and MBA

Experience: He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.

Funds Managed:


0.13%

Change from previous, NAV as on 08-Aug-2022

Growth: ₹ 14.8700

IDCW: ₹ 14.8700


Investment Strategy

The scheme seeks to investing in equity and equity related securities to generate capital appreciation. The scheme may also invest in Debt, Gold/Gold ETF/units of REITs & InvITs and such other asset classes as may be permitted from time to time for income generation / wealth creation.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 1
Min. Balance (₹) --
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: ICICI Prudential Mutual Fund
Launch Date: 27-Feb-2019
Return Since Launch: 12.20%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 147 Cr (As on 31-Jul-2022)
Expense Ratio: 2.45% (As on 30-Jun-2022)
Risk Grade: Below Average
Return Grade: Average
Turnover: 51.00%

Contact Information

AMC: ICICI Prudential Asset Management Company Ltd

Address: One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai - 400051

Fax: 022-26528100

Website: http://www.icicipruamc.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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