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ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth

Hybrid: Aggressive Hybrid - Growth (Open ended)

ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-GrowthNAV: 31.58 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Very HighCategory: Hybrid: Aggressive HybridBenchmark: CRISIL Hybrid 35+65 Aggressive IndexCheck Portfolio Overlap →

NAV: ₹31.58-0.38%

07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth.

Asset Allocation

As on 31 Jul 2026

Equity

80.60%

Debt

10.57%

Others

8.10%

Real estate

0.73%

Market Cap Distribution

Large Cap (54.6%)

Mid Cap (23.1%)

Small Cap (22.3%)

Historical Asset Allocation

Asset	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026
Equity	80.60%	80.91%	81.78%	80.08%	77.26%	79.38%
Debt	10.57%	10.87%	12.41%	12.03%	11.85%	12.19%
Others (incl. cash)	8.10%	7.48%	5.07%	7.12%	10.04%	7.56%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.73%	0.73%	0.73%	0.77%	0.85%	0.88%

Portfolio Snapshot

No. of Securities

P/E Ratio

29.02

P/B Ratio

4.32

Top Holding %

8.10%

Top 5 Holdings %

17.86%

Top 10 Holdings %

27.43%

Modified Duration

2.59 yrs

Avg. Maturity

6.07 yrs

Yield to Maturity

6.99%

AUM

₹1,273 Cr

Expense Ratio

1.21%

Since Inception

16.50%

Max Drawdown

-0.29%

Sharpe Ratio

0.96

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
Mahindra & Mahindra Ltd.	Automobile	94,302	32.05	2.52%	0.38%↑
Titan Company Ltd.	Consumer Discretionary	64,167	31.28	2.46%	0.18%↑
HDFC Bank Ltd.	Financial	4,09,714	30.65	2.41%	-0.03%↓
Samvardhana Motherson International Ltd.	Automobile	17,60,753	26.54	2.08%	0.26%↑
Reliance Industries Ltd.	Energy	1,93,058	25.25	1.98%	-0.03%↓
Tech Mahindra Ltd.	Technology	1,44,703	23.89	1.88%	0.24%↑
Kirloskar Oil Engines Ltd.	Capital Goods	1,07,976	23.64	1.86%	-0.43%↓
Kotak Mahindra Bank Ltd.	Financial	5,75,979	22.48	1.77%	0.05%↑
Bajaj Finance Ltd.	Financial	1,84,000	21	1.65%	-
UPL Ltd.	Chemicals	3,42,150	20.68	1.62%	0.05%↑
Axis Bank Ltd.	Financial	1,64,830	20.27	1.59%	0.06%↑
Bharat Electronics Ltd.	Capital Goods	5,09,870	19.78	1.55%	0.29%↑
Hindustan Unilever Ltd.	Consumer Staples	93,476	19.64	1.54%	-0.19%↓
Bharat Petroleum Corporation Ltd.	Energy	6,08,390	19.45	1.53%	0.58%↑
Tata Motors Ltd.	Automobile	4,42,861	19.34	1.52%	0.54%↑
Maruti Suzuki India Ltd.	Automobile	13,486	19.2	1.51%	0.51%↑
Siemens Energy India Ltd.	Energy	58,831	19.01	1.49%	0.09%↑
Nippon Life India Asset Management Ltd.	Financial	1,63,399	18.98	1.49%	0.65%↑
Swiggy Ltd.	Services	6,64,000	18.91	1.49%	-
Tata Consultancy Services Ltd.	Technology	79,722	18.86	1.48%	0.18%↑

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026
Financial	11.83%	10.30%	9.87%	7.98%	5.68%	5.89%
Services	9.77%	9.86%	9.78%	10.56%	10.60%	9.90%
Capital Goods	8.81%	9.95%	8.18%	7.75%	6.16%	6.50%
Healthcare	8.27%	8.16%	8.24%	8.24%	9.61%	8.28%
Automobile	7.89%	6.20%	6.07%	6.83%	7.51%	9.62%
Technology	6.70%	5.95%	6.45%	7.38%	7.67%	7.74%
Energy	5.00%	4.37%	4.72%	2.51%	1.59%	0.09%
Metals & Mining	4.95%	5.78%	6.64%	6.06%	6.01%	6.13%
Consumer Staples	4.82%	4.56%	4.66%	5.20%	4.37%	4.07%
Consumer Discretionary	4.31%	4.07%	3.68%	3.59%	3.58%	3.66%
Chemicals	3.96%	3.90%	4.24%	4.54%	4.44%	5.22%
Textiles	1.47%	0.95%	1.00%	0.99%	0.98%	0.98%
Construction	0.97%	2.66%	2.88%	2.71%	2.35%	2.77%
Materials	0.96%	3.23%	4.35%	4.68%	4.70%	6.42%
Insurance	0.89%	0.96%	1.03%	1.05%	1.17%	1.31%
Communication	-	-	-	-	0.84%	0.82%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
Cash & Call Money	7.86%	4.85%
SOV	3.94%	6.92%
AA+	3.33%	1.76%
AAA	2.80%	5.90%
AA	0.28%	0.59%
Cash	0.24%	0.20%
AA-	0.22%	0.21%
A	-	0.01%
A+	-	0.18%
A1+	-	2.55%
B+	-	0.00%
BBB	-	0.00%
D	-	2.38%
Others	-	0.13%
Term Deposits	-	0.16%
Unrated	-	0.00%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

41.9 / 100

Weighted average Value score is 41.9. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

59.8 / 100

Weighted average Price Momentum score is 59.8. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

67.1 / 100

Weighted average Quality score is 67.1. This indicates that portfolio has average quality using composite of quality measures.

QVM score

60.2 / 100

Weighted average QVM score is 60.2. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
CG Power and Industrial Solutions Ltd.	-0.65
Hindustan Unilever Ltd.	-1.56
JSW Dulux Ltd.	0.02
Ratnamani Metals & Tubes Ltd.	-1.74
CE Info Systems Ltd.	-1.62
Rainbow Childrens Medicare Ltd.	-1.46
Swiggy Ltd.	-1.35
Nephrocare Health Services Ltd.	-1.13

Declining revenues

Following companies have seen their sales decline for 2 consecutive quarters (measured on yoy basis): JSW Dulux Ltd., United Spirits Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Interglobe Aviation Ltd.	11.15

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
Vedanta Ltd.	Debenture	9.31%	03/12/2027	CRISIL AA+	2.38%
GOI	GOI Securities	6.94%	11/05/2036	SOV	1.61%
GOI	GOI Securities	6.90%	15/04/2065	SOV	1.44%
National Bank For Agriculture & Rural Development	Debenture	7.62%	31/01/2028	CRISIL AAA	1.18%
LIC Housing Finance Ltd.	Debenture	8.75%	08/12/2028	CRISIL AAA	0.80%
GOI	GOI Securities	7.34%	22/04/2064	SOV	0.69%
HDFC Bank Ltd.	Debenture	0.00%	27/07/2032	CRISIL AAA	0.40%
Vedanta Ltd - Pref. Shares 7.50	Debenture	9.50%	20/08/2027	ICRA AA+	0.40%
Muthoot Finance Ltd.	Debenture	8.78%	20/05/2027	CRISIL AA+	0.39%
Nirma Ltd.	Debenture	8.50%	07/04/2027	CRISIL AA	0.28%
Small Industries Devp. Bank of India Ltd.	Bonds	7.34%	26/02/2029	CRISIL AAA	0.24%
Yes Bank Ltd.	Bonds	8.00%	30/09/2026	CRISIL AA-	0.22%
GOI	GOI Securities	4.45%	30/10/2034	SOV	0.21%
Cholamandalam Investment and Finance Company Ltd.	Non Convertible Debenture	9.05%	06/03/2032	ICRA AA+	0.16%
India Universal Trust AL1	Securitised Debt	8.20%	20/09/2030	FITCH AAA(SO)	0.14%
India Universal Trust AL1	Securitised Debt	0.00%	20/07/2027	FITCH AAA(SO)	0.05%

Frequently Asked Questions

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

The top holdings of ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth as of 31 Jul 2026 are Others (8.10%), Mahindra & Mahindra Ltd. (2.52%), Titan Company Ltd. (2.46%), HDFC Bank Ltd. (2.41%), Vedanta Ltd. (2.38%). These top 5 stocks together account for 17.86% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth hold in its portfolio?

ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth holds 89 stocks in its portfolio as of 31 Jul 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth?

As of 31 Jul 2026, ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth's top sector allocations are Financial (11.83%), Services (9.77%), Capital Goods (8.81%). You can find detailed sector allocation above.

What is the equity and debt allocation of ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth?

As of 31 Jul 2026, ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth has 80.60% allocated to equity, and 10.57% to debt. You can also check the historical trends above.

What is the market cap allocation of ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth?

As of 31 Jul 2026, ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth's market cap allocation is 54.57% in large caps, 23.13% in mid caps, and 22.30% in small caps.

What is the PE ratio of ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth's portfolio?

The portfolio PE ratio of ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth is 29.02 as of 31 Jul 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth?

As of 31 Jul 2026, ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth's debt portfolio has 2.80% in AAA-rated instruments, 0.28% in AA-rated, and 3.94% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth?

The latest portfolio disclosure for ICICI Prudential Retirement Fund - Hybrid Aggressive Plan Direct-Growth is as of 31 Jul 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

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Asset

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

Equity

80.60%

80.91%

81.78%

80.08%

77.26%

79.38%

Debt

10.57%

10.87%

12.41%

12.03%

11.85%

12.19%

Others (incl. cash)

8.10%

7.48%

5.07%

7.12%

10.04%

7.56%

Commodities

0.00%

Real Estate

0.73%

0.77%

0.85%

0.88%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Mahindra & Mahindra Ltd.

Automobile

94,302

32.05

2.52%

0.38%↑

Titan Company Ltd.

Consumer Discretionary

64,167

31.28

2.46%

0.18%↑

HDFC Bank Ltd.

Financial

4,09,714

30.65

2.41%

-0.03%↓

Samvardhana Motherson International Ltd.

Automobile

17,60,753

26.54

2.08%

0.26%↑

Reliance Industries Ltd.

Energy

1,93,058

25.25

1.98%

-0.03%↓

Tech Mahindra Ltd.

Technology

1,44,703

23.89

1.88%

0.24%↑

Kirloskar Oil Engines Ltd.

Capital Goods

1,07,976

23.64

1.86%

-0.43%↓

Kotak Mahindra Bank Ltd.

Financial

5,75,979

22.48

1.77%

0.05%↑

Bajaj Finance Ltd.

Financial

1,84,000

1.65%

UPL Ltd.

Chemicals

3,42,150

20.68

1.62%

0.05%↑

Axis Bank Ltd.

Financial

1,64,830

20.27

1.59%

0.06%↑

Bharat Electronics Ltd.

Capital Goods

5,09,870

19.78

1.55%

0.29%↑

Hindustan Unilever Ltd.

Consumer Staples

93,476

19.64

1.54%

-0.19%↓

Bharat Petroleum Corporation Ltd.

Energy

6,08,390

19.45

1.53%

0.58%↑

Tata Motors Ltd.

Automobile

4,42,861

19.34

1.52%

0.54%↑

Maruti Suzuki India Ltd.

Automobile

13,486

19.2

1.51%

0.51%↑

Siemens Energy India Ltd.

Energy

58,831

19.01

1.49%

0.09%↑

Nippon Life India Asset Management Ltd.

Financial

1,63,399

18.98

1.49%

0.65%↑

Swiggy Ltd.

Services

6,64,000

18.91

1.49%

Tata Consultancy Services Ltd.

Technology

79,722

18.86

1.48%

0.18%↑

Sector

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

Financial

11.83%

10.30%

9.87%

7.98%

5.68%

5.89%

Services

9.77%

9.86%

9.78%

10.56%

10.60%

9.90%

Capital Goods

8.81%

9.95%

8.18%

7.75%

6.16%

6.50%

Healthcare

8.27%

8.16%

8.24%

9.61%

8.28%

Automobile

7.89%

6.20%

6.07%

6.83%

7.51%

9.62%

Technology

6.70%

5.95%

6.45%

7.38%

7.67%

7.74%

Energy

5.00%

4.37%

4.72%

2.51%

1.59%

0.09%

Metals & Mining

4.95%

5.78%

6.64%

6.06%

6.01%

6.13%

Consumer Staples

4.82%

4.56%

4.66%

5.20%

4.37%

4.07%

Consumer Discretionary

4.31%

4.07%

3.68%

3.59%

3.58%

3.66%

Chemicals

3.96%

3.90%

4.24%

4.54%

4.44%

5.22%

Textiles

1.47%

0.95%

1.00%

0.99%

0.98%

Construction

0.97%

2.66%

2.88%

2.71%

2.35%

2.77%

Materials

0.96%

3.23%

4.35%

4.68%

4.70%

6.42%

Insurance

0.89%

0.96%

1.03%

1.05%

1.17%

1.31%

Communication

0.84%

0.82%

Rating

Fund