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ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.28 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.01 Lakh

Suitability:

"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."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • 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 Conservative Plan Direct-G 0.05 0.14 0.63 2.80 2.09 0.43 2.94 8.71 -- -- --
VR MIP TRI 1.72 0.06 0.74 4.56 5.65 1.63 5.50 8.92 -- -- --
Hybrid: Conservative Hybrid 2.22 0.08 0.59 2.72 4.10 2.04 6.00 8.72 -- -- --
Rank within category 29 6 15 17 35 28 30 17 -- -- --
Number of funds in category 34 35 35 35 35 34 34 30 28 27 0

As on 12-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 Conservative Plan - Direct Plan  | Invest Now
4 star
Feb-19 2.94 8.71 -- 1.00 67
SBI Conservative Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 8.03 11.76 8.30 0.56 6,286
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 7.57 10.35 9.13 0.99 3,267
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 7.53 12.74 9.88 0.45 1,523
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 4.99 11.08 9.13 0.56 1,150

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.34 24-Mar-2020 - 31-Mar-2020 -5.16 16-Mar-2020 - 23-Mar-2020
Month 6.74 24-Mar-2020 - 23-Apr-2020 -10.04 20-Feb-2020 - 23-Mar-2020
Quarter 11.52 24-Mar-2020 - 23-Jun-2020 -8.20 23-Dec-2019 - 23-Mar-2020
Year 25.25 23-Mar-2020 - 23-Mar-2021 -1.71 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
ICICI Pru Retirement Fund - Hybrid Conservative Plan Direct-G 8.10 5.42 0.85 1.00 0.69 1.23
VR MIP TRI 8.41 7.21 0.68 0.88 -- --
Hybrid: Conservative Hybrid 8.28 6.39 0.81 0.98 0.66 1.54
Rank within category 17 13 15 17 15 19
Number of funds in category 31 31 31 31 31 31

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 22
Number of Bonds 7
Average Maturity (yrs) * 8.25
Top 10 Holdings (%) 70.10
Portfolio P/B Ratio 2.85
Portfolio P/E Ratio 23.03

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 - 25.00 24.02
equal 8.41% Housing & Urban Development Corporation 15/03/2029 Debenture AAA 7.83 - 8.20 7.90
equal 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 7.94 7.82
equal 9.56% State Bank of India Additional Tier 1 Bond AA+ 6.46 - 6.92 6.63
equal 8.95% Pipeline Infrastructure 22/03/2024 Non Convertible Debenture AAA 6.04 - 6.44 6.18
equal 6.92% Godrej Industries 14/05/2025 Debenture AA 4.32 - 4.59 4.42
equal 9.15% ICICI Bank Additional Tier 1 Bond AA+ 1.47 - 1.59 1.53

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
up Reliance Industries Energy 26.83 6.00 0.00 6.00
equal Ultratech Cement Materials 26.24 2.64 0.00 2.64
equal Bharti Airtel Communication 75.69 2.96 1.12 2.28
equal SBI Life Insurance Company Insurance 83.26 2.21 0.00 2.21
equal Lupin Healthcare -- 1.44 0.00 1.44
equal Bharat Petroleum Corporation Energy 27.22 1.41 0.00 1.41
new Interglobe Aviation Services -- 1.08 0.00 1.08
equal Cipla Healthcare 33.32 0.93 0.00 0.91
equal Tech Mahindra Technology 19.41 0.94 0.00 0.83
equal ICICI Lombard General Insurance Company Insurance 42.62 0.92 0.00 0.80
equal Gland Pharma Healthcare 35.72 1.47 0.00 0.76
equal Sun Pharmaceutical Industries Healthcare 56.35 4.58 0.00 0.70
up UNO Minda Automobile 67.15 0.70 0.00 0.70
down Zydus Lifesciences Healthcare 8.86 0.73 0.00 0.66
equal LIC Housing Fin. Financial 6.94 0.84 0.41 0.63
equal Gujarat Gas Energy 27.57 0.78 0.00 0.62
equal Maruti Suzuki India Automobile 59.18 0.58 0.00 0.58
new Orient Cement Materials 11.06 0.23 0.00 0.23
new NUVOCO Vistas Corp. Materials -- 0.09 0.00 0.09
down Infosys Technology 30.12 4.67 0.08 0.08
equal Camlin Fine Sciences Chemicals 30.34 0.08 0.00 0.08
equal Bharti Airtel Ltd. PPE Communication -- 0.06
equal EPL Materials 27.43 0.00 0.00 0.00

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:


0.14%

Change from previous, NAV as on 12-Aug-2022

Growth: ₹ 13.4607

IDCW: ₹ 13.4604


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.

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: 8.98%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 67 Cr (As on 31-Jul-2022)
Expense Ratio: 1.00% (As on 30-Jun-2022)
Risk Grade: Below Average
Return Grade: Average
Turnover: 25.00%

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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