ICICI Prudential Retirement Fund Pure Equity Plan vs Tata Retirement Savings Fund-Conservative Plan
ICICI Prudential Retirement Fund Pure Equity Plan and Tata Retirement Savings Fund-Conservative Plan are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +20.42% vs +7.96%, 5-year CAGR +18.00% vs +6.72%, volatility 15.95% vs 5.72%, maximum drawdown −37.17% vs −10.98%. Their portfolios overlap by 6.6% (10 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | Tata Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹38.6700 | ₹38.9046 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 28 Feb 2019 | 8 Jan 2013 |
| Track record | 7.7 yrs | 13.8 yrs |
| Fund size (AUM) | ₹2,106 Cr | ₹165 Cr |
| Securities held | 87 | 56 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| 1 month | +1.92% | +1.35% |
| 3 months | −3.06% | −0.72% |
| 6 months | −0.85% | +2.07% |
| 1 year | +2.60% | +3.82% |
| 3 years (CAGR) | +20.42% | +7.96% |
| 5 years (CAGR) | +18.00% | +6.72% |
| 7 years (CAGR) | +20.34% | +8.02% |
| 10 years (CAGR) | — | +8.31% |
| Since launch (CAGR) | +19.23% | +9.44% |
| SIP return (XIRR, 5 years) ⓘ | +17.09% | +7.14% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| 2026 (year to date) | +2.09% | +3.29% |
| 2025 | +15.56% | +4.84% |
| 2024 | +25.21% | +11.23% |
| 2023 | +39.85% | +13.37% |
| 2022 | +3.60% | +1.30% |
| 2021 | +49.34% | +8.87% |
Risk
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 15.95% | 5.72% |
| Downside volatility ⓘ | 9.92% | 4.13% |
| Sharpe ratio ⓘ | 0.88 | 0.26 |
| Sortino ratio ⓘ | 1.41 | 0.36 |
| Maximum drawdown ⓘ | −37.17% | −10.98% |
| Recovery from that fall | 8 months | 3 months |
| Current fall from peak | −3.71% | −1.21% |
| Rolling 1-year return: worst | −32.59% | −2.83% |
| Rolling 1-year return: median | +18.41% | +9.50% |
| Rolling 1-year return: best | +91.20% | +27.02% |
| Share of 1-year periods with a loss | 11.03% | 1.71% |
Against each fund's benchmark
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| Beta ⓘ | 1.05 | 0.36 |
| Alpha (Jensen's, annualised) ⓘ | +9.34% | −0.33% |
| R² ⓘ | 87.56 | 86.09 |
| Upside capture | 135.41% | 48.08% |
| Downside capture | 93.73% | 29.86% |
| Tracking error | 5.88% | 9.76% |
| Information ratio | 1.76 | -0.13 |
| Treynor ratio | 11.78 | 1.99 |
Portfolio
Asset mix
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| Equity | 95.82% | 27.15% |
| Cash & equivalents | 4.22% | 10.85% |
| Debt | 0.00% | 62.00% |
Market-cap split (share of fund assets)
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| Large Cap | 49.55% | 14.84% |
| Mid Cap | 24.74% | 5.86% |
| Small Cap | 20.59% | 6.04% |
| Unclassified | 0.90% | 0.41% |
Concentration
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| Top 10 holdings | 29.97% | 66.16% |
| Effective number of stocks ⓘ | 56.7 | 13.1 |
| Securities held | 87 | 56 |
Portfolio overlap: 6.6%
10 companies are held by both funds; by weight, 6.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan |
|---|---|---|
| ICICI Bank Limited | 2.29% | 1.44% |
| Reliance Industries Limited | 3.94% | 1.16% |
| Multi Commodity Exchange of India Limited | 3.82% | 1.09% |
| Titan Company Limited | 1.44% | 0.60% |
| Nippon Life India Asset Management Limited | 0.63% | 0.58% |
| BSE Limited | 0.85% | 0.55% |
| PB Fintech Limited | 0.51% | 0.41% |
| 360 One WAM Limited | 0.33% | 0.60% |
| Vedanta Aluminium Metal Limited | 0.90% | 0.20% |
| Rainbow Childrens Medicare Limited | 0.20% | 0.39% |
Top 10 holdings
ICICI Prudential Retirement Fund Pure Equity Plan
- HDFC Bank Limited4.99%
- Reliance Industries Limited3.94%
- Multi Commodity Exchange of India Limited3.81%
- Hindustan Unilever Ltd.3.60%
- Bharti Airtel Limited2.36%
- Cummins India Limited2.31%
- Apar Industries Limited2.29%
- ICICI Bank Limited2.29%
- Avenue Supermarts Ltd.2.25%
- Britannia Industries Ltd.2.13%
Tata Retirement Savings Fund-Conservative Plan
- 6.79% Government of India (07/10/2034)20.67%
- 7.17% Government of India9.15%
- 7.38% Government of India (20/06/2027)9.14%
- 6.36% GOI 16-Feb-20318.89%
- GOI - 7.36% (12/09/2052)5.85%
- Government Securities5.42%
- Shivshakti Securitisation Trust2.88%
- Solar Industries India Limited1.50%
- ICICI Bank Limited1.44%
- Eternal Limited1.22%
Sector exposure
| ICICI Prudential Retirement Fund Pure Equity Plan | Tata Retirement Savings Fund-Conservative Plan | |
|---|---|---|
| Sovereign | 0.00% | 50.23% |
| SOVEREIGN | 0.00% | 8.89% |
| Electrical Equipment | 8.32% | 0.65% |
| Industrial Products | 7.60% | 1.36% |
| Banks | 7.28% | 2.69% |
| Capital Markets | 5.90% | 3.35% |
| Diversified FMCG | 5.29% | 0.00% |
| Consumer Durables | 4.68% | 1.38% |
| Petroleum Products | 3.94% | 1.16% |
| Realty | 3.90% | 0.00% |
| Automobiles | 3.60% | 1.33% |
| Retailing | 3.58% | 1.22% |
| Cement & Cement Products | 3.43% | 0.28% |
| IT - Software | 3.01% | 0.98% |
Questions people ask
What is the difference between ICICI Prudential Retirement Fund Pure Equity Plan and Tata Retirement Savings Fund-Conservative Plan returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +2.60% vs +3.82%; 3-year CAGR +20.42% vs +7.96%; 5-year CAGR +18.00% vs +6.72%; 10-year CAGR — vs +8.31%. Past returns do not indicate future returns.
How do ICICI Prudential Retirement Fund Pure Equity Plan and Tata Retirement Savings Fund-Conservative Plan compare on risk?
Volatility (36 monthly returns, annualised) 15.95% vs 5.72%; Sharpe ratio 0.88 vs 0.26; Sortino ratio 1.41 vs 0.36; maximum drawdown −37.17% vs −10.98%; beta 1.05 vs 0.36.
How much do ICICI Prudential Retirement Fund Pure Equity Plan and Tata Retirement Savings Fund-Conservative Plan overlap?
By weight, 6.6% of the two portfolios is invested in the same companies; 10 stocks are held by both, the largest shared positions being ICICI Bank Limited, Reliance Industries Limited, Multi Commodity Exchange of India Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of ICICI Prudential Retirement Fund Pure Equity Plan and Tata Retirement Savings Fund-Conservative Plan?
ICICI Prudential Retirement Fund Pure Equity Plan: large cap 49.6%, mid cap 24.7%, small cap 20.6%. Tata Retirement Savings Fund-Conservative Plan: large cap 14.8%, mid cap 5.9%, small cap 6.0% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.