ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth
Hybrid: Conservative Hybrid - Growth (Open ended) Factsheet
SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: NIFTY 50 Hybrid Composite Debt 15:85 Conservative IndexCheck Portfolio Overlap →
NAV: ₹20.29+0.04%
07 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth.
Market Cap Distribution
Large Cap (66.7%)
Mid Cap (19.2%)
Small Cap (14.2%)
Historical Asset Allocation
| Asset | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Equity | 23.78% | 22.43% | 20.54% | 21.50% | 20.68% | 19.77% |
| Debt | 63.96% | 65.08% | 60.57% | 67.75% | 63.39% | 57.05% |
| Others (incl. cash) | 12.27% | 12.49% | 18.89% | 10.75% | 15.92% | 23.18% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
37
P/E Ratio
24.04
P/B Ratio
4.06
Top Holding %
23.71%
Top 5 Holdings %
52.26%
Top 10 Holdings %
67.98%
Modified Duration
4.42 yrs
Avg. Maturity
8.96 yrs
Yield to Maturity
7.03%
AUM
₹98 Cr
Expense Ratio
1.05%
Since Inception
9.85%
Max Drawdown
-0.10%
Sharpe Ratio
1.01
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 |
|---|---|---|---|---|---|
| Life Insurance Corporation of India | Insurance | 50,400 | 2.11 | 2.16% | - |
| Samvardhana Motherson International Ltd. | Automobile | 1,02,452 | 1.75 | 1.79% | 0.19%↑ |
| Kotak Mahindra Bank Ltd. | Financial | 38,640 | 1.62 | 1.66% | 0.10%↑ |
| Mahindra & Mahindra Ltd. | Automobile | 4,717 | 1.55 | 1.59% | -0.07%↓ |
| Swiggy Ltd. | Services | 52,500 | 1.48 | 1.52% | - |
| Hindustan Aeronautics Ltd. | Capital Goods | 2,904 | 1.39 | 1.43% | 0.03%↑ |
| Titan Company Ltd. | Consumer Discretionary | 2,500 | 1.28 | 1.31% | 0.05%↑ |
| V-Mart Retail Ltd. | Services | 13,260 | 1.12 | 1.15% | 0.38%↑ |
| HDFC Bank Ltd. | Financial | 14,675 | 1.04 | 1.07% | -0.07%↓ |
| Interglobe Aviation Ltd. | Services | 1,920 | 1 | 1.03% | 0.00%↑ |
| Nippon Life India Asset Management Ltd. | Financial | 8,210 | 0.96 | 0.99% | -0.00%↓ |
| Jindal Steel Ltd. | Metals & Mining | 8,000 | 0.95 | 0.98% | 0.07%↑ |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 1,071 | 0.95 | 0.98% | -0.02%↓ |
| Tata Steel Ltd. | Metals & Mining | 50,862 | 0.94 | 0.96% | 0.27%↑ |
| Tata Consumer Products Ltd. | Consumer Staples | 8,523 | 0.88 | 0.91% | -0.05%↓ |
| Radico Khaitan Ltd. | Consumer Staples | 1,726 | 0.77 | 0.79% | 0.02%↑ |
| Pfizer Ltd. | Healthcare | 1,645 | 0.77 | 0.79% | -0.08%↓ |
| Motherson Sumi Wiring India Ltd. | Automobile | 1,96,424 | 0.72 | 0.74% | -0.08%↓ |
| JSW Dulux Ltd. | Materials | 2,130 | 0.67 | 0.69% | 0.04%↑ |
| Biocon Ltd. | Healthcare | 15,381 | 0.63 | 0.65% | -0.03%↓ |
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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 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Automobile | 4.12% | 4.08% | 3.23% | 3.83% | 3.65% | 3.98% |
| Financial | 3.71% | 4.68% | 4.47% | 3.20% | 2.10% | 1.82% |
| Services | 3.70% | 1.80% | 1.08% | 0.93% | 0.92% | 0.85% |
| Metals & Mining | 2.55% | 3.02% | 3.04% | 3.59% | 4.56% | 4.32% |
| Healthcare | 2.42% | 2.54% | 0.81% | 0.88% | 0.91% | 0.93% |
| Insurance | 2.16% | - | - | - | - | - |
| Consumer Staples | 1.70% | 1.73% | 1.98% | 2.08% | 1.15% | 0.98% |
| Capital Goods | 1.43% | 1.40% | 1.41% | 0.86% | 0.22% | - |
| Consumer Discretionary | 1.31% | 1.26% | 1.16% | 1.12% | - | - |
| Materials | 0.69% | 0.65% | 0.72% | 0.74% | 2.69% | 2.55% |
| Technology | - | 1.28% | 1.10% | 1.22% | 1.23% | 1.26% |
| Construction | - | - | 1.52% | 1.57% | 1.56% | 1.38% |
| Communication | - | - | - | 1.25% | 1.69% | 1.70% |
| Energy | - | - | - | 0.22% | - | - |
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 |
|---|---|---|
| SOV | 35.06% | 23.51% |
| AAA | 21.19% | 19.16% |
| Cash & Call Money | 12.27% | 14.07% |
| AA | 5.64% | 4.10% |
| AA+ | 2.07% | 4.67% |
| A | - | 0.78% |
| A+ | - | 1.42% |
| A- | - | 0.25% |
| A1+ | - | 3.19% |
| AA- | - | 0.99% |
| B+ | - | 1.85% |
| B- | - | 2.24% |
| BBB+ | - | 0.00% |
| Cash | - | 0.14% |
| D | - | 0.09% |
| Others | - | 0.18% |
| Term Deposits | - | 0.01% |
| Unrated | - | 0.09% |
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
47.3 / 100
Weighted average Value score is 47.3. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
58.5 / 100
Weighted average Price Momentum score is 58.5. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
65.1 / 100
Weighted average Quality score is 65.1. This indicates that portfolio has average quality using composite of quality measures.
QVM score
61.7 / 100
Weighted average QVM score is 61.7. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
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 |
|---|---|---|---|---|---|
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 23.71% |
| GOI | GOI Securities | 7.34% | 22/04/2064 | SOV | 5.91% |
| Housing & Urban Development Corporation Ltd. | Debenture | 8.60% | 12/11/2028 | ICRA AAA | 5.26% |
| National Bank For Agriculture & Rural Development | Debenture | 7.62% | 31/01/2028 | CRISIL AAA | 5.12% |
| REC Ltd. | Non Convertible Debenture | 8.30% | 25/03/2029 | CRISIL AAA | 4.18% |
| GOI | GOI Securities | 6.90% | 15/04/2065 | SOV | 3.72% |
| Nirma Ltd. | Debenture | 8.50% | 07/04/2027 | CRISIL AA | 3.59% |
| Vedanta Ltd. | Debenture | 9.31% | 03/12/2027 | CRISIL AA+ | 2.07% |
| Power Finance Corporation Ltd. | Debenture | 7.70% | 15/04/2033 | CRISIL AAA | 2.05% |
| Yes Bank Ltd. | Bonds | 8.00% | 30/09/2026 | ICRA AA | 2.05% |
| India Universal Trust AL1 | Securitised Debt | 8.20% | 20/09/2030 | FITCH AAA(SO) | 1.75% |
| GOI | GOI Securities | 4.45% | 30/10/2034 | SOV | 1.72% |
| Indian Railway Finance Corporation Ltd. | Debenture | 7.33% | 28/08/2027 | CRISIL AAA | 1.33% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.34% | 26/02/2029 | CRISIL AAA | 1.02% |
| India Universal Trust AL1 | Securitised Debt | 0.00% | 20/07/2027 | FITCH AAA(SO) | 0.49% |
Frequently Asked Questions
What are the top holdings of ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth?
The top holdings of ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth as of 31 Aug 2026 are GOI (23.71%), Others (12.27%), GOI (5.91%), Housing & Urban Development Corporation Ltd. (5.26%), National Bank For Agriculture & Rural Development (5.12%). These top 5 stocks together account for 52.26% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth hold in its portfolio?
ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth holds 37 stocks in its portfolio as of 31 Aug 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 Conservative Plan Direct-Growth?
As of 31 Aug 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth's top sector allocations are Automobile (4.12%), Financial (3.71%), Services (3.70%). You can find detailed sector allocation above.
What is the equity and debt allocation of ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth?
As of 31 Aug 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth has 23.78% allocated to equity, and 63.96% to debt. You can also check the historical trends above.
What is the market cap allocation of ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth?
As of 31 Aug 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth's market cap allocation is 66.66% in large caps, 19.16% in mid caps, and 14.18% in small caps.
What is the PE ratio of ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth's portfolio?
The portfolio PE ratio of ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth is 24.04 as of 31 Aug 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 Conservative Plan Direct-Growth?
As of 31 Aug 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth's debt portfolio has 21.19% in AAA-rated instruments, 5.64% in AA-rated, and 35.06% 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 Conservative Plan Direct-Growth?
The latest portfolio disclosure for ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth is as of 31 Aug 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.