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

  • Tax Free Regular Income

  • Wealth Generation to beat Inflation

  • 4.8++ Rated
  • 10.5 Crore Registered Consumer
  • 51 Partners Insurance Partners
  • 5.3 Crore Policies Sold
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We are rated++
rating
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold

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

  • 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.


˜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
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
*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

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ICICI Prudential Pension Plans Reviews & Ratings

4.6 / 5 (Based on 350 Reviews)
(Showing Newest 10 reviews)
Sunidhi
Kochi, January 20, 2025
Bajaj Allianz pension plan
I got an amazing deal on a Bajaj Allianz pension plan with lifetime income through Policybazaar.
Haritika
Bhopal, January 19, 2025
Easy to find plans
Policybazaar makes it easy to find pension plans with guaranteed income like HDFC.
Jhanvi
Chandigarh, January 18, 2025
ICICI annuity plan
Thanks to Policybazaar I got a great ICICI annuity plan with regular payments.
Shrishti
Surat, January 17, 2025
Understand features of plan
Policybazaar helped me understand the different features of pension plans including Bajaj Allianz.
Prashant
Bahadrabad, January 16, 2025
Great Policy
I have pnb metlife life insurance pension policy plan which has low premiums and payed quarterly per year. Policy coverage is 89% and claims are high and the payback amount is around Rs.41 K per month. Service is very good and fast. The policy is nice investment for future and it is good tax saver too. Nice plan, I like it.
Manish
Mangalore, January 16, 2025
Fair Policy
I got a very good policy plan from pnb metlife life insurance. The policy is great for future investment nice pension policy plan. The coverage is good ~87%, service is great, even the claims are the best. Good behaviour from executives and staff members. Great policy, very happy with it.
Lalit
Mahabaleswar, January 16, 2025
Fine
My friend suggested me to invest money for future so i buy pnb metlife life insurance and have pension policy plan. The policy coverage is high ~89% and the claim is around Rs.39 K per month after policy get mature. Great services with fast interface.
Rahul
Manipal, January 16, 2025
Very Nice
My pension policy plan is with pnb metlife life insurance. The policy has good coverage approx. 97% with low premium. Claims are also high and the returns is Rs.39 K per month after policy end. Service is fantastic and the executives do best work. Good investment for future and taxes are also reduced.
Jitender
Ratlam, January 16, 2025
Normal Policy
I invest my money for my future security with pnb metlife life insurance. I have pension policy plan. Policy coverage is 91% and claims are around 39 K. Service is good and executives behave well. Nice policy plan.
Bhavya
Sonipat, January 16, 2025
Perfect Plan
I buy pension policy for my parents. My parents are happy with the policy due to low premiums. The returns are high ~Rs.45 K per month for each. The policy coverage is high ~92% and service is rapid and on time. The online facilities are simple and easily accessible. Good job guys.
Claude
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