ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan

Name: ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan
Brand: ICICI Prudential Mutual Fund

Invest Now Fund Card

Value Research Rating

Our Opinion

Riskometer

Moderately High

₹19.4994 0.26%

As on 18-Mar-2026

Returns

Calculate SIP Returns of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

More Details about Returns

Risk

This fund has Moderately High risk.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

As per SEBI's Riskometer.

More Details about Risk

Portfolio of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan

Asset Allocation

Market Cap Weightage

We have shifted from our proprietary CapRank classification system to SEBI’s market cap classification system with effect from 14 Jan, 2026.

Portfolio Breakdown

Peer Comparison

Fund name	Risk		Expense Ratio (%)
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan	Moderately High	loading...	0.87
SBI Conservative Hybrid Fund - Direct Plan Invest Online	High	loading...	1.04
Parag Parikh Conservative Hybrid Fund - Direct Plan Invest Online	Moderately High	loading...	0.34
ICICI Prudential Regular Savings Fund - Direct Plan Invest Now	High	loading...	0.95
HDFC Hybrid Debt Fund - Direct Plan Invest Online	Moderately High	loading...	1.20

Detailed Comparison

Other details of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan

Assets

₹93 Cr

Exit Load (Days)

Min. Investment (₹)

5,000

Min. Withdrawal (₹)

Min. SIP Investment (₹)

100

Min. No of Cheques

More Details

About ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan

ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan is a hybrid mutual fund scheme of ICICI Prudential Mutual Fund. Launched on February 27, 2019, it is currently managed by Darshil Dedhia, Rohit Lakhotia and Manasvi Shah. The fund has an expense ratio of 0.87% with an overall AUM (Assets Under Management) of ₹93 Cr.

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. The fund allows minimum lumpsum investment of ₹1,000 and minimum SIP of ₹100.

Investment Strategy

Suitability

Conservative Hybrid funds are suitable for investors:

Looking to invest mostly in debt (~75%) with a small equity allocation (~25%)
Aiming for moderately higher returns than fixed deposits, with limited volatility
Looking to generate regular income
With 3-5 year investment horizon

Note:

Invest preferably through SIP
The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier

Capital Gains Taxation

The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.

If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
If investment is made before 1 April 2023:

Sold within 2 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
Sold after 2 years from the date of investment: Gains are taxed at the rate of 12.5%.

No tax is to be paid as long as you continue to hold the units.

Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.

Dividend Taxation

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 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

Latest news on ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan

Fund Manager change for a few Schemes of ICICI Prudential Mutual Fund

1 min read•By News Desk

Fund Managers Change for a few Schemes of ICICI Prudential Mutual Fund

1 min read•By News Desk

ICICI Prudential Mutual Fund Announces Change in Fund Manager of its few Schemes

1 min read•By News Desk

Fund Managers changes in few schemes of ICICI Prudential Mutual Fund

1 min read•By Value Research

All News

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FAQ for ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan

How to Invest in ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan?

Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan can be bought from the ICICI Prudential Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.

What is the current NAV of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan Today?

The latest declared NAV of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan, is ₹19.4994 as of 19-Mar-2026.

What are the top holdings of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan?

Company	Percentage of Portfolio
GOI Sec 6.79 07/10/2034	8.82
GOI Sec 7.34 22/04/2064	6.39
GOI Sec 6.48 06/10/2035	5.70
GOI Sec 7.10 08/04/2034	5.53
National Bank For Agriculture & Rural Development SR 23I Debenture 7.62 31/01/2028	5.43

What is the return of ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan in the last 5 years?

Over the past five years, ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan has delivered an annualised return of 9.45% as of 19-Mar-2026.

What is the minimum investment required in ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan?

The minimum investment required to start investing in ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan is ₹5,000 for the lump sum option and ₹100 for the SIP (Systematic Investment Plan) option.