ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 16 (Category Avg - 8.48) | Modified Duration 4.11 Years (Category Avg - 5.45)| Yield to Maturity 7.14% (Category Avg - 6.65%)

Portfolio Summary (as on 31st Oct,2025)

Category - Retirement Fund

Category - Retirement Fund

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			201.28	20.72%	19.50 L
Bond - Govt of India	GOI	Other			172.30	17.74%	16.95 L
Bond - Govt of India	GOI	Other			100.29	10.32%	10.00 L
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	70.83	7.29%	700.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	52.61	5.42%	50.00
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	50.72	5.22%	500.00
Bond - Summit Digitel Infrastructure Pvt Ltd.	NCD & Bonds	Telecom - infrastructure	AAA	CRISIL	50.00	5.15%	50.00
Bond - Yes Bank	NCD & Bonds	Private sector bank	AA-	CRISIL	49.85	5.13%	50.00
Bond - Govt of India	GOI	Other			37.98	3.91%	4.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	31.06	3.20%	300.00
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	30.72	3.16%	300.00
Bond - Shriram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	30.22	3.11%	300.00
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	AA	CRISIL	30.04	3.09%	300.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	11.36	1.17%	11.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	10.16	1.05%	100.00
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	10.11	1.04%	100.00