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holdings

ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)

SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: NIFTY 50 Hybrid Composite Debt 15:85 Conservative IndexCheck Portfolio Overlap →

NAV: ₹19.58-0.51%

23 Oct 2026

Holdings Analysis

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

Asset Allocation

As on 30 Sep 2026

Debt

71.52%

Equity

22.55%

Others

5.93%

Market Cap Distribution

Large Cap (70.4%)

Mid Cap (15.8%)

Small Cap (13.8%)

Historical Asset Allocation

Asset	30 Sep 2026	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026
Equity	22.55%	23.78%	22.43%	20.54%	21.50%	20.68%
Debt	71.52%	63.96%	65.08%	60.57%	67.75%	63.39%
Others (incl. cash)	5.93%	12.27%	12.49%	18.89%	10.75%	15.92%
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

P/E Ratio

23.44

P/B Ratio

3.99

Top Holding %

32.70%

Top 5 Holdings %

55.21%

Top 10 Holdings %

71.13%

Modified Duration

5.06 yrs

Avg. Maturity

10.01 yrs

Yield to Maturity

7.44%

AUM

₹95 Cr

Expense Ratio

1.03%

Since Inception

9.17%

Max Drawdown

-0.10%

Sharpe Ratio

0.78

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	1.99	2.09%	-0.07%↓
Samvardhana Motherson International Ltd.	Automobile	1,02,452	1.67	1.76%	-0.04%↓
Mahindra & Mahindra Ltd.	Automobile	5,177	1.53	1.60%	0.02%↑
Kotak Mahindra Bank Ltd.	Financial	35,170	1.47	1.54%	-0.12%↓
Hindustan Aeronautics Ltd.	Capital Goods	2,904	1.36	1.42%	-0.01%↓
Apollo Hospitals Enterprise Ltd.	Healthcare	1,611	1.32	1.38%	0.40%↑
Swiggy Ltd.	Services	52,500	1.31	1.38%	-0.14%↓
Titan Company Ltd.	Consumer Discretionary	2,500	1.15	1.20%	-0.10%↓
HDFC Bank Ltd.	Financial	14,675	1.04	1.09%	0.03%↑
V-Mart Retail Ltd.	Services	13,260	1	1.05%	-0.10%↓
Interglobe Aviation Ltd.	Services	1,920	0.96	1.00%	-0.03%↓
Tata Steel Ltd.	Metals & Mining	50,862	0.94	0.98%	0.02%↑
Jindal Steel Ltd.	Metals & Mining	8,000	0.91	0.95%	-0.02%↓
Nippon Life India Asset Management Ltd.	Financial	8,210	0.88	0.92%	-0.06%↓
Tata Consumer Products Ltd.	Consumer Staples	8,523	0.81	0.85%	-0.06%↓
Motherson Sumi Wiring India Ltd.	Automobile	1,96,424	0.67	0.70%	-0.04%↓
JSW Dulux Ltd.	Materials	2,130	0.66	0.69%	-0.00%↓
Pfizer Ltd.	Healthcare	1,645	0.64	0.67%	-0.12%↓
Jindal Stainless Ltd.	Metals & Mining	8,490	0.63	0.67%	0.06%↑
Biocon Ltd.	Healthcare	15,381	0.57	0.60%	-0.05%↓

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	30 Sep 2026	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026
Automobile	4.06%	4.12%	4.08%	3.23%	3.83%	3.65%
Financial	3.55%	3.71%	4.68%	4.47%	3.20%	2.10%
Services	3.43%	3.70%	1.80%	1.08%	0.93%	0.92%
Healthcare	2.65%	2.42%	2.54%	0.81%	0.88%	0.91%
Metals & Mining	2.60%	2.55%	3.02%	3.04%	3.59%	4.56%
Insurance	2.09%	2.16%	-	-	-	-
Capital Goods	1.42%	1.43%	1.40%	1.41%	0.86%	0.22%
Consumer Discretionary	1.20%	1.31%	1.26%	1.16%	1.12%	-
Consumer Staples	0.85%	1.70%	1.73%	1.98%	2.08%	1.15%
Materials	0.69%	0.69%	0.65%	0.72%	0.74%	2.69%
Technology	-	-	1.28%	1.10%	1.22%	1.23%
Construction	-	-	-	1.52%	1.57%	1.56%
Communication	-	-	-	-	1.25%	1.69%
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	44.21%	23.94%
AAA	21.51%	19.17%
Cash & Call Money	5.93%	13.97%
AA	3.68%	3.91%
AA+	2.12%	4.86%
A	-	0.78%
A+	-	1.28%
A-	-	0.25%
A1+	-	2.95%
AA-	-	1.23%
B+	-	1.85%
B-	-	2.24%
BBB+	-	0.00%
Cash	-	0.21%
D	-	0.09%
Others	-	0.17%
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

47.1 / 100

Weighted average Value score is 47.1. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

59.9 / 100

Weighted average Price Momentum score is 59.9. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

65.0 / 100

Weighted average Quality score is 65.0. This indicates that portfolio has average quality using composite of quality measures.

QVM score

63.4 / 100

Weighted average QVM score is 63.4. 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
Swiggy Ltd.	-1.35

Negative cash flow from operations

Following companies have not generated positive operating cash flow for 2 consecutive financial years: Life Insurance Corporation of India, Swiggy 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
GOI	GOI Securities	6.94%	11/05/2036	SOV	32.70%
GOI	GOI Securities	7.34%	22/04/2064	SOV	5.99%
Housing & Urban Development Corporation Ltd.	Debenture	8.60%	12/11/2028	ICRA AAA	5.35%
National Bank For Agriculture & Rural Development	Debenture	7.62%	31/01/2028	CRISIL AAA	5.24%
REC Ltd.	Non Convertible Debenture	8.30%	25/03/2029	CRISIL AAA	4.26%
GOI	GOI Securities	6.90%	15/04/2065	SOV	3.77%
Nirma Ltd.	Debenture	8.50%	07/04/2027	CRISIL AA	3.68%
Vedanta Ltd.	Debenture	9.31%	03/12/2027	CRISIL AA+	2.12%
Power Finance Corporation Ltd.	Debenture	7.70%	15/04/2033	CRISIL AAA	2.08%
GOI	GOI Securities	4.45%	30/10/2034	SOV	1.76%
India Universal Trust AL1	Securitised Debt	8.20%	20/09/2030	FITCH AAA(SO)	1.76%
Indian Railway Finance Corporation Ltd.	Debenture	7.33%	28/08/2027	CRISIL AAA	1.36%
Small Industries Devp. Bank of India Ltd.	Bonds	7.34%	26/02/2029	CRISIL AAA	1.04%
India Universal Trust AL1	Securitised Debt	0.00%	20/07/2027	FITCH AAA(SO)	0.41%

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 30 Sep 2026 are GOI (32.70%), GOI (5.99%), Others (5.93%), Housing & Urban Development Corporation Ltd. (5.35%), National Bank For Agriculture & Rural Development (5.24%). These top 5 stocks together account for 55.21% 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 35 stocks in its portfolio as of 30 Sep 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 30 Sep 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth's top sector allocations are Automobile (4.06%), Financial (3.55%), Services (3.43%). 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 30 Sep 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth has 22.55% allocated to equity, and 71.52% 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 30 Sep 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth's market cap allocation is 70.41% in large caps, 15.80% in mid caps, and 13.79% 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 23.44 as of 30 Sep 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 30 Sep 2026, ICICI Prudential Retirement Fund - Hybrid Conservative Plan Direct-Growth's debt portfolio has 21.51% in AAA-rated instruments, 3.68% in AA-rated, and 44.21% 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 30 Sep 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

30 Sep 2026

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

Equity

22.55%

23.78%

22.43%

20.54%

21.50%

20.68%

Debt

71.52%

63.96%

65.08%

60.57%

67.75%

63.39%

Others (incl. cash)

5.93%

12.27%

12.49%

18.89%

10.75%

15.92%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Life Insurance Corporation of India

Insurance

50,400

1.99

2.09%

-0.07%↓

Samvardhana Motherson International Ltd.

Automobile

1,02,452

1.67

1.76%

-0.04%↓

Mahindra & Mahindra Ltd.

Automobile

5,177

1.53

1.60%

0.02%↑

Kotak Mahindra Bank Ltd.

Financial

35,170

1.47

1.54%

-0.12%↓

Hindustan Aeronautics Ltd.

Capital Goods

2,904

1.36

1.42%

-0.01%↓

Apollo Hospitals Enterprise Ltd.

Healthcare

1,611

1.32

1.38%

0.40%↑

Swiggy Ltd.

Services

52,500

1.31

1.38%

-0.14%↓

Titan Company Ltd.

Consumer Discretionary

2,500

1.15

1.20%

-0.10%↓

HDFC Bank Ltd.

Financial

14,675

1.04

1.09%

0.03%↑

V-Mart Retail Ltd.

Services

13,260

1.05%

-0.10%↓

Interglobe Aviation Ltd.

Services

1,920

0.96

1.00%

-0.03%↓

Tata Steel Ltd.

Metals & Mining

50,862

0.94

0.98%

0.02%↑

Jindal Steel Ltd.

Metals & Mining

8,000

0.91

0.95%

-0.02%↓

Nippon Life India Asset Management Ltd.

Financial

8,210

0.88

0.92%

-0.06%↓

Tata Consumer Products Ltd.

Consumer Staples

8,523

0.81

0.85%

-0.06%↓

Motherson Sumi Wiring India Ltd.

Automobile

1,96,424

0.67

0.70%

-0.04%↓

JSW Dulux Ltd.

Materials

2,130

0.66

0.69%

-0.00%↓

Pfizer Ltd.

Healthcare

1,645

0.64

0.67%

-0.12%↓

Jindal Stainless Ltd.

Metals & Mining

8,490

0.63

0.67%

0.06%↑

Biocon Ltd.

Healthcare

15,381

0.57

0.60%

-0.05%↓

Sector

30 Sep 2026

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

Automobile

4.06%

4.12%

4.08%

3.23%

3.83%

3.65%

Financial

3.55%

3.71%

4.68%

4.47%

3.20%

2.10%

Services

3.43%

3.70%

1.80%

1.08%

0.93%

0.92%

Healthcare

2.65%

2.42%

2.54%

0.81%

0.88%

0.91%

Metals & Mining

2.60%

2.55%

3.02%

3.04%

3.59%

4.56%

Insurance

2.09%

2.16%

Capital Goods

1.42%

1.43%

1.40%

1.41%

0.86%

0.22%

Consumer Discretionary

1.20%

1.31%

1.26%

1.16%

1.12%

Consumer Staples

0.85%

1.70%

1.73%

1.98%

2.08%

1.15%

Materials

0.69%

0.65%

0.72%

0.74%

2.69%

Technology

1.28%

1.10%

1.22%

1.23%

Construction

1.52%

1.57%

1.56%

Communication

1.25%

1.69%

Energy

0.22%

Rating

Fund