A goal-oriented mutual-fund structure
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. However, there is no assurance or guarantee that the investment objective of the plan would be achieved.
Investors whose goal and access needs match the scheme's lock-in or exit rules.
Market risk plus any lock-in, exit restriction and goal-timing mismatch.
How the money may be invested
• Debt Securities, money market instruments = 70% - 95% • Equity & Equity related instruments = 5% - 30% • Units issued by InvITs = 0% - 10%
- SEBI category
- Solution Oriented - Retirement Fund
- Fund type
- Open Ended
- Primary benchmark
- Nifty 50 Hybrid Composite Debt 15:85 Conservative Index
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- Darshil Dedhia · Rohit Lakhotia · Manasvi Shah
- Manager tenure on this scheme
- Darshil Dedhia — since 22 January 2024 · Rohit Lakhotia — since 12 June 2023 · Manasvi Shah — since 29 August 2025
- Role / co-management
- Darshil Dedhia — Co-Manages · Rohit Lakhotia — Co-Manages · Manasvi Shah — Co-Manages
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| ICICI Prudential Retirement Fund Hybrid Conservative Plan - Direct Plan - Growth | ₹20.2783 | 04 Sep 2026 |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan - Direct Plan - IDCW | ₹20.2780 | 04 Sep 2026 |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan - Regular Plan - Growth | ₹18.3656 | 04 Sep 2026 |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan - Regular Plan - IDCW | ₹18.3655 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Actual expenses for the month ended December 31, 2025: Direct Plan: 0.94% Regular Plan: 2.12%
- Exit load
- Nil
- Minimum application
- Rs. 5000 · multiples of 1
- SIP frequency
- Refer to the current official scheme document.
- Minimum SIP amount
- Refer to the current official scheme document.
- Minimum instalments
- Refer to the current official scheme document.
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.