Retirement Funds Mutual Funds
Solution-oriented, with a five-year lock or until retirement.
An ordinary hybrid or equity fund wrapped in a lock-in. The lock is the feature — it stops you selling in a bad year — and it is also the cost, because the money is not available if you need it.
Who it suits. Investors who know they would otherwise interrupt a long plan. Hold for Until retirement.
Regular plans in this category
- SBI Children's Fund - Investment PlanSBI Mutual Fund · NAV ₹49.33 12.4% 19.6% 18.1%
- ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Mutual Fund · NAV ₹34.56 5.1% 18.3% 16.7%
- ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Mutual Fund · NAV ₹27.60 4.8% 16.0% 12.9%
- ICICI Prudential Children's FundICICI Prudential Mutual Fund · NAV ₹321.39 -2.8% 11.9% 10.4%
- SBI CHILDREN'S FUND - SAVINGS PLANSBI Mutual Fund · NAV ₹120.73 9.7% 11.3% 10.4%
- Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund · NAV ₹22.35 10.8% 14.7% 10.4%
- HDFC Retirement Fund - Equity PlanHDFC Mutual Fund · NAV ₹47.17 -7.2% 7.9% 10.3%
- SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Mutual Fund · NAV ₹19.33 1.6% 8.4% 9.5%
- SBI Retirement Benefit Fund - Aggressive PlanSBI Mutual Fund · NAV ₹19.91 -1.1% 7.5% 9.5%
- Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund · NAV ₹27.86 -4.3% 9.6% 9.2%
- HDFC Children's FundHDFC Mutual Fund · NAV ₹287.38 -1.6% 7.8% 9.2%
- Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund · NAV ₹66.64 3.9% 10.9% 8.6%
- Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund · NAV ₹67.34 4.1% 11.6% 8.6%
- UTI Retirement FundUTI Mutual Fund · NAV ₹49.97 0.7% 8.0% 8.0%
- ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNAAditya Birla Sun Life Mutual Fund · NAV ₹20.49 3.1% 9.5% 7.8%
- HDFC Retirement Fund - Hybrid-Equity PlanHDFC Mutual Fund · NAV ₹36.12 -6.9% 5.9% 7.4%
- ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund · NAV ₹18.22 4.1% 8.6% 7.4%
- SBI Retirement Benefit Fund - Conservative Hybrid PlanSBI Mutual Fund · NAV ₹15.73 1.2% 6.4% 7.0%
- LIC MF Children's FundLIC Mutual Fund · NAV ₹33.96 4.1% 8.4% 6.8%
- SBI Retirement Benefit Fund - Conservative PlanSBI Mutual Fund · NAV ₹14.57 2.0% 6.1% 6.4%
- Franklin India Retirement FundFranklin Templeton Mutual Fund · NAV ₹216.43 -1.3% 6.7% 6.1%
- Axis Retirement Fund - Dynamic PlanAxis Mutual Fund · NAV ₹19.21 -2.7% 10.3% 6.1%
- UTI Children's Hybrid FundUTI Mutual Fund · NAV ₹39.85 -1.6% 6.1% 5.9%
- HDFC Retirement Fund - Hybrid-Debt PlanHDFC Mutual Fund · NAV ₹21.53 -0.5% 5.4% 5.7%
- Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund · NAV ₹32.57 2.7% 6.6% 5.3%
- Tata Childrens FundTata Mutual Fund · NAV ₹54.07 -11.0% 3.6% 5.1%
- Axis Retirement Fund - Aggressive PlanAxis Mutual Fund · NAV ₹17.97 -2.9% 9.4% 5.0%
- UTI Children's Equity FundUTI Mutual Fund · NAV ₹77.83 -8.5% 5.9% 4.9%
- ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund · NAV ₹15.68 3.3% 5.6% 4.9%
- Nippon India Retirement Fund- Income Generation SchemeNippon India Mutual Fund · NAV ₹20.06 -0.8% 5.3% 4.9%
- Axis Children's FundAxis Mutual Fund · NAV ₹25.81 -1.3% 7.4% 4.6%
- Axis Retirement Fund - Conservative PlanAxis Mutual Fund · NAV ₹15.67 -1.5% 5.9% 4.3%
- Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund · NAV ₹13.59 2.5% 4.7% 3.8%
- Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Mutual Fund · NAV ₹19.01 — — —
- Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund · NAV ₹15.05 — — —
- BANDHAN RETIREMENT FUNDBandhan Mutual Fund · NAV ₹12.27 — — —
- Baroda BNP Paribas Children's FundBaroda BNP Paribas Mutual Fund · NAV ₹10.89 — — —
- Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund · NAV ₹11.40 — — —
- PGIM India Retirement FundPGIM India Mutual Fund · NAV ₹12.17 — — —
- Union Children's FundUnion Mutual Fund · NAV ₹12.51 — — —
- Union Retirement FundUnion Mutual Fund · NAV ₹16.14 2.2% 11.6% —
Point-to-point CAGR from AMFI NAV history, Regular plans only. Ordered by five-year return so the list has a shape, not because the order is a judgement. Past returns do not predict future ones — a fund near the top is usually there because its style suited the last five years, and styles take turns.
Other categories
Questions people ask
What is a Retirement Funds fund?
Solution-oriented, with a five-year lock or until retirement. An ordinary hybrid or equity fund wrapped in a lock-in. The lock is the feature — it stops you selling in a bad year — and it is also the cost, because the money is not available if you need it.
Who should invest in Retirement Funds funds?
Investors who know they would otherwise interrupt a long plan. A sensible holding period is Until retirement.
How is this list ordered?
By five-year CAGR computed from AMFI's published NAV history, within one plan type. It is a sort, not a verdict — a fund near the top is there because its style suited the last five years, which is not a promise about the next five.
Should I choose the Direct or Regular plan?
A Direct plan holds exactly the same portfolio without the distributor commission, so its expense ratio is lower — commonly 0.5% to 1.2% a year — and it compounds ahead of the Regular plan for ever. Choose Regular only if you want an intermediary's advice and are content to pay for it annually.