What is a Pension Fund Manager (PFM)? NPS Returns of ICICI PFM: Scheme-Wise Performance |
Retirement planning is an essential aspect of financial security that deserves careful consideration. With the future holding its share of unknowns, a robust savings plan can ensure your later years are both comfortable and fulfilling. The National Pension System (NPS) has emerged as a reliable option in India, offering a systematic way to build a retirement corpus.
Among the various pension fund managers, ICICI PFM (Pension Fund Manager) stands out as a prominent choice. In this blog, we’ll explore ICICI PFM’s offerings, focusing on its pension returns, performance, features, and benefits to help you determine if it’s the right fit for your retirement goals.
What is a Pension Fund Manager (PFM)?
A Pension Fund Manager (PFM) takes care of retirement savings by investing in things like stocks, bonds, government securities, and other assets. For example, the ICICI Pension Fund, which is approved by the Pension Fund Regulatory and Development Authority (PFRDA), manages these investments. It spreads the money across stocks, corporate bonds, government securities, and other investment options to grow the wealth over time.
The goal is to earn good returns while keeping risks low, ensuring steady growth for retirement. It’s about finding the right balance between safety and profit, and following rules to protect investors.
| Also Read: NPS for Retirement |
NPS Returns of ICICI PFM: Scheme-Wise Performance
Here’s a detailed comparison of returns across different schemes managed by ICICI PFM:
Table 1: Scheme E - Tier 1 (Equity)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 2.93% | 12.49% | 26.23% | 12.68% |
Disclaimer: The data reflects the performance of schemes managed by ICICI Pension Fund (PFM) as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 2: Scheme E - Tier 2 (Equity)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 2.38% | 12.30% | 26.12% | 11.44% |
Disclaimer: The data reflects the performance of schemes managed by the ICICI Pension Fund (PFM) as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 3: Scheme G - Tier 1 (Government Securities)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 11.35% | 8.60% | 7.50% | 8.67% |
Disclaimer: The data reflects the performance of schemes managed by the ICICI Pension Fund (PFM) as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 4: Scheme G - Tier 2 (Government Securities)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 11.32% | 8.58% | 7.49% | 8.73% |
Disclaimer: The data reflects the performance of schemes managed by the ICICI Pension Fund (PFM) as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 5: Scheme C - Tier 1 (Corporate Bonds)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 9.92% | 7.26% | 7.82% | 9.58% |
Disclaimer: The data reflects the performance of schemes managed by ICICI Pension Fund (PFM) as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 6: Scheme C - Tier 2 (Corporate Bonds)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 9.85% | 7.19% | 7.80% | 9.42% |
Disclaimer: The data reflects the performance of schemes managed by ICICI Pension Fund (PFM) as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
| Also Read: Tier 1 and Tier 2 NPS |
Key Features of ICICI PFM
ICICI PFM has unique features. Let’s examine the features of these ICICI PFM.
- Market-Linked Returns: It allows funds to grow according to market fluctuations. The returns depend mainly on the chosen asset allocation.
- Transferability: ICICI PFM allows you to seamlessly transfer your NPS account across different jobs and locations, making it a good option for individuals who frequently change jobs.
Benefits of Choosing ICICI PFM
Here are the advantages of selecting ICICI PFM:
- Strong Performance Record: ICICI PFM has a history of delivering good returns over time, especially in equity funds. This means your retirement savings could grow faster compared to some other options, helping you build a bigger fund for the future.
- Flexible Investment Choices: With ICICI PFM, you have the freedom to choose how your money is invested—whether in stocks, bonds, or government securities. This lets you match your plan to your comfort with risk, making it easier to plan your retirement your way.
| Also Read: NPS Tax Savings |
Why Choose ICICI PFM?
- Good Returns Over Time: ICICI PFM has shown it can grow your money well, especially through equity funds. This means your retirement savings could increase nicely, helping you prepare for a comfortable future.
- Control Over Your Investments: With ICICI PFM, you can choose how your money is invested—like in stocks, bonds, or safer government options. This lets you plan your savings in a way that suits your style and needs.
Conclusion
ICICI PFM stands out as a reliable choice for retirement planning under the National Pension System (NPS) in India. With its strong performance record, especially in equity funds, it offers the potential for significant growth in your retirement savings. The flexibility to choose between stocks, bonds, and government securities allows you to tailor your investments to your comfort of risk. Whether you seek market-linked returns or steady growth, ICICI PFM balances safety and profit effectively. For a secure and comfortable retirement, ICICI PFM is a solid option worth considering.
| Also Read: NPS Calculator Benefits |
FAQs
1. What are the returns for ICICI PFM Scheme E - Tier 1?
As of April 04, 2025, Scheme E - Tier 1 (Equity) offers 2.93% for 1 year, 12.49% for 3 years, 26.23% for 5 years, and 12.68% since inception.
2. How does Scheme G - Tier 1 perform under ICICI PFM?
Scheme G—Tier 1 (Government Securities) provides returns of 11.35% for one year, 8.60% for three years, 7.50% for five years, and 8.67% since inception as of April 04, 2025.
3. What makes ICICI PFM flexible?
ICICI PFM lets you choose how your money is invested—stocks, bonds, or government securities—allowing you to match your plan to your risk preference.
4. Are ICICI PFM returns guaranteed?
No, returns are not guaranteed as they depend on market fluctuations. Past performance, like 26.23% over 5 years in Scheme E - Tier 1, doesn’t promise future results.
5. What is ICICI PFM in the NPS?
ICICI PFM (Pension Fund Manager) manages your retirement savings under the National Pension System by investing in stocks, bonds, government securities, and other assets to grow your funds over time.
