# ICICI Prudential Retirement Fund Hybrid Conservative Growth Option

Source page: https://www.rudowealth.com/mutual-funds/icici-prudential-retirement-fund-hybrid-conservative-growth-option

- Category: Solution Oriented - Retirement (Hybrid)
- Fund house: ICICI Prudential Asset Management Company Limited
- Benchmark: NIFTY 50 Hybrid Composite Debt 15:85 Index
- Expense ratio: 2.26% a year
- Fund size: ₹98 crore
- NAV: ₹17.90 on 2026-10-08
- Launched: 2019-02-27

## Returns and volatility
| Period | Return | Volatility a year |
|---|---|---|
| 1 year | +2.43% | 5.01% |
| 3 years | +8.26% a year | 4.67% |
| 5 years | +7.23% a year | 4.46% |

## Calendar year returns against the NIFTY 50 Hybrid Composite Debt 15:85 Index
| Year | This fund | Benchmark |
|---|---|---|
| 2019 | +7.09% | +10.76% |
| 2020 | +11.74% | +14.19% |
| 2021 | +7.15% | +7.07% |
| 2022 | +1.79% | +3.09% |
| 2023 | +14.98% | +9.86% |
| 2024 | +9.86% | +9.86% |
| 2025 | +8.89% | +7.29% |
| 2026 (year to date) | +0.39% | +78.99% |

Returns are worked out from the fund's own NAV; 3 years and longer are compounded annual returns.

Investing from the UAE: NRIs can generally invest once KYC is complete, paying from an NRE or NRO bank account. For an equity fund, India taxes gains on units held 12 months or less at 20% and 12.5% above ₹1.25 lakh a year after that, deducted when an NRI redeems. The India UAE tax treaty may apply, so confirm your own position with a tax adviser.

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RuDo Wealth is a fee-only cross-border advisory operating through two separate companies. India: RuDo Wealth Investment Advisory, SEBI Registered Investment Adviser, registration INA000019503. UAE: RuDo Digital Wealth, FSRA Financial Services Permission 220155, Category 3C (Retail), ADGM. The entity permitted to serve you depends on your country of residence.

General information, not a recommendation to buy or sell any fund. Past performance does not indicate future returns.