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ICICI Prudential Pension Fund NPS
ICICI Prudential Pension Fund aims to provide individuals with a secure retirement by offering a choice of pension products under insurance and NPS. These solutions are designed for long-term savings, regular post-retirement income, and wealth creation, giving retirees confidence and financial stability.
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Peaceful Post-Retirement Life
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Tax Free Regular Income
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Wealth Generation to beat Inflation
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National Pension System
- ICICI Prudential Pension Fund NPS
Highlights of ICICI Prudential Pension Fund NPS
| Particulars | Details |
| Assets (Rs. in crore) | Rs. 3,220.23 |
| Scheme Inception Date | 18-May-09 |
| Top 5 holdings of ICICI Pru Pension Fund | ICICI Bank Limited; HDFC Bank Limited; Reliance Industries Limited; Infosys Limited; Bharti Airtel Limited |
| Weightage of Top 5 Holdings % |
28.63% |
| Top 3 Sectors | Monetary Intermediation Of Commercial Banks; Other Credit Granting; Writing, Modifying, Testing of Computer Program |
Sector-Wise Holdings of ICICI Prudential Pension Fund NPS
Below is the sector wise holdings of NPS ICICI Prudential pension fund:
| Sectors | Funds |
| Financial | 35.51% |
| Technology | 12.59% |
| Energy & Utilities | 12.05% |
| Industrials | 9.48% |
| Consumer Discretionary | 8.07% |
| Healthcare | 6.69% |
| Materials | 6.18% |
| Consumer Staples | 6.12% |
| Unspecified | 2.44% |
| Real Estate | 0.60% |
| Diversified | 0.28% |
Asset Allocation of ICICI Prudential Pension Fund NPS
Below is the asset allocation of NPS ICICI Prudential pension fund:
| Particulars | Details |
| Equity | 97.56% |
| Debt | 0.96% |
| Cash & Cash Eq. | 1.47% |
Top Holdings of ICICI NPS Fund
| Company Name | Sector | P/E Ratio* | Assets (%) |
| ICICI Bank | Financial | 19.19 | 7.94 |
| HDFC Bank | Financial | 21.09 | 7.68 |
| Reliance Industries | Energy & Utilities | 23.47 | 4.64 |
| Bharti Airtel | Technology | 33.52 | 4.04 |
| Infosys | Technology | 23.21 | 4.00 |
| Larsen & Toubro | Industrials | 32.04 | 2.73 |
| Mahindra & Mahindra | Consumer Discretionary | 32.81 | 2.64 |
| Bharat Electronics | Industrials | 54.77 | 2.43 |
| Interglobe Aviation | Industrials | 33.05 | 2.42 |
| ITC | Consumer Staples | 14.78 | 2.31 |
| Bajaj Finance | Financial | 36.08 | 2.23 |
| State Bank of India | Financial | 9.78 | 2.20 |
| NTPC | Energy & Utilities | 13.60 | 2.03 |
| Axis Bank | Financial | 12.50 | 1.89 |
| Shriram Finance | Financial | 12.08 | 1.69 |
| REC | Financial | 5.99 | 1.64 |
| Ultratech Cement | Materials | 53.31 | 1.62 |
| Muthoot Finance | Financial | 19.28 | 1.55 |
| Maruti Suzuki India | Consumer Discretionary | 33.97 | 1.49 |
| Power Grid Corporation Of India | Energy & Utilities | 17.32 | 1.48 |
| PB Fintech | Financial | 220.61 | 1.42 |
| Sun Pharmaceutical Industries | Healthcare | 37.26 | 1.27 |
| Varun Beverages | Consumer Staples | 55.36 | 1.27 |
| Max Healthcare Institute | Healthcare | 96.96 | 1.25 |
| Hero Motocorp | Consumer Discretionary | 21.33 | 1.24 |
As on 31-Aug-2025
P/E Ratio: Price-to-Earnings ratio*
Returns of ICICI NPS Fund
| Period Invested for | Absolute Returns | Annualised Returns |
| 1 Month | 0.90% | - |
| 3 Month | 0.70% | - |
| 6 Month | 12.60% | - |
| 9 Month | 0.20% | - |
| 1 Year | -1.20% | -1.20% |
| 2 Year | 33.00% | 15.30% |
| 3 Year | 54.70% | 15.60% |
| 5 Year | 148.30% | 19.90% |
Tax Treatment of ICICI Pru Pension Fund
Investments in the National Pension Scheme (NPS) are exempt from income tax. Additionally, you can claim extra tax deductions of up to ₹50,000 on your Tier 1 NPS contributions under Section 80CCD(1B) of the income tax.
FAQs
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What types of pension plans does ICICI Prudential offer?
ICICI Prudential provides multiple pension plans, such as the Guaranteed Pension Plan (offering fixed annuity), Signature Pension Plan (unit-linked), Saral Pension (immediate annuity), and management of NPS pensions (different NPS asset classes available). -
Are the returns from ICICI Prudential Pension Fund guaranteed?
Returns on guaranteed annuity products are fixed for life. Returns from NPS and ULIP-linked pension plans are market-linked and may vary based on fund performance and asset allocation. -
Who can invest in ICICI Prudential Pension Fund?
Any resident individual (and eligible NRIs, for NPS) aged 18-65 can invest. Entry and vesting age criteria vary by plan; always read the offer document or policy brochure for specifics.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ