New Delhi, December 23, 2025 : In a major move to redefine retirement
investing for India’s new-age workforce, ICICI Prudential Pension Funds
Management Company Ltd. (ICICI PFM) announced the launch of the NPS
D.R.E.A.M. Plan (Dynamic Reallocation Enhanced Accumulation Model) under
the Multiple Scheme Framework (MSF).
With this launch, ICICI PFM continues its
mission to make retirement planning smarter, more flexible, and deeply aligned
with the financial aspirations of India’s rapidly growing young and salaried
population.
The D.R.E.A.M. Plan aims to give
investors the power to maximize long-term wealth creation with up to
100% equity exposure, dynamic rebalancing, multi-asset diversification, and
a forward-looking portfolio designed to capture market opportunities in real
time.
A Bold Step Toward the Future of
Retirement Planning
Commenting on the launch, Mr. Sumit
Mohindra, CEO, ICICI PFM, said: “India’s young and ambitious
workforce is not just planning for retirement — they are planning for a life
filled with possibilities. The D.R.E.A.M. Plan is designed for these dreamers.
It brings together disciplined investing, market responsiveness, and long-term
growth potential, all within the trusted NPS framework.
With up to 100% equity allocation and
dynamic reallocation, this scheme empowers individuals to make the most of
India's vibrant equity markets while enjoying the comfort of professional fund
management and transparent governance. It’s our way of helping every Indian
turn their retirement dreams into a financially secure reality.”
He added, “Retirement is no longer
just about security — it is about choice, freedom, and opportunity. The
D.R.E.A.M. Plan reflects this new vision.”
What Makes the D.R.E.A.M. Plan a
Game-Changer?
The D.R.E.A.M. Plan introduces an evolved
investment approach tailored for today’s market landscape:
●
Dynamic Reallocation Strategy
A market-aware model that adjusts assets
proactively to optimize returns and manage risk.
●
Up to 100% Equity Exposure
Designed to help investors capture
long-term wealth creation opportunities.
●
Multi-Asset Diversification
Exposure across equity, debt,
alternatives, and money market instruments.
●
Managed by Experienced Professionals
Expert oversight ensures discipline,
precision, and rapid response to market shifts.
●
Transparent, Regulated, Future-Ready
Built within a strong PFRDA-governed
framework.
Investment Allocation (Indicative)
|
Asset Class |
Allocation Range |
Description |
|
Equity |
50% – 100% |
Listed Indian companies |
|
Debt |
Up to 50% |
Government & corporate
bonds |
|
Alternatives |
Up to 5% |
REITs, INVITs, AIFs, perpetual
bonds |
|
Money Market Instruments |
Up to 10% |
Liquid & overnight funds,
TREPs |
This diversified allocation offers both
high-growth potential and stability, making it suitable for long-term
retirement goals.
Who Is This Plan For?
●
Young
working professionals
●
Salaried
and corporate employees
●
Individuals
seeking long-term, market-driven growth
●
Investors
comfortable with equity participation
●
Anyone
wanting a future-focused, actively managed retirement plan
Key Highlights
●
Eligibility: Indian citizens aged 18–70 years
●
Minimum
vesting period: 15 years
●
Post-vesting: Stay invested, switch, or exit
●
Exit
options: After
vesting, at age 60, or upon retirement (whichever is earlier)
●
Benchmark:
●
75% NPS Equity Index + 12.5% NPS Government
Securities Index + 12.5% NPS Corporate Bonds Index
●
Risk
Level: Very
High
Building Retirement Wealth with
Intention, Not Chance
The D.R.E.A.M. Plan ensures retirement
planning becomes more intentional, strategic, and opportunity driven. By
allowing high equity exposure and enabling portfolio shifts through dynamic
reallocation, the plan is engineered to help investors grow steadily through
market cycles.
“Every dream needs a plan — and every
plan needs discipline. The D.R.E.A.M. Plan delivers both, giving investors a
long-term partner in their financial journey,” Mr. Mohindra added.
Availability & Access
Investors can enrol into the ICICI PF
NPS D.R.E.A.M. Plan through online channels, authorised branches, and ICICI
PFM’s digital platforms. Subscribers under the MSF can easily choose the scheme
that aligns with their financial goals and risk profile.
Know more: https://www.iciciprupension.com/
About ICICI Prudential Pension Funds
Management Company Ltd.
ICICI Prudential Pension Funds Management
Company Ltd. is one of India’s leading pension fund managers under the National
Pension System (NPS). With a focus on transparency, disciplined investment
strategy, and long-term wealth creation, ICICI PFM aims to empower individuals
and families to build a financially secure and fulfilling retirement future.