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.
Direct plans in this category
- SBI Children's Fund - Investment PlanSBI Mutual Fund · NAV ₹54.58 19.2% 23.0% 22.7%
- ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Mutual Fund · NAV ₹40.12 11.1% 22.2% 21.2%
- ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Mutual Fund · NAV ₹32.10 11.3% 19.8% 16.7%
- HDFC Retirement Fund - Equity PlanHDFC Mutual Fund · NAV ₹56.37 -2.4% 11.0% 14.2%
- Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund · NAV ₹25.79 15.5% 17.6% 13.9%
- SBI Retirement Benefit Fund - Aggressive PlanSBI Mutual Fund · NAV ₹22.17 3.7% 10.9% 13.5%
- ICICI Prudential Children's FundICICI Prudential Mutual Fund · NAV ₹367.16 -0.3% 14.3% 13.2%
- Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund · NAV ₹33.24 2.0% 13.4% 13.2%
- SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Mutual Fund · NAV ₹21.36 6.9% 11.5% 13.1%
- Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund · NAV ₹86.89 8.8% 15.4% 12.7%
- Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund · NAV ₹83.79 8.6% 14.4% 12.3%
- HDFC Children's FundHDFC Mutual Fund · NAV ₹328.24 1.0% 9.8% 11.7%
- ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNAAditya Birla Sun Life Mutual Fund · NAV ₹24.03 8.0% 13.4% 11.4%
- SBI CHILDREN'S FUND - SAVINGS PLANSBI Mutual Fund · NAV ₹131.42 9.6% 12.1% 11.1%
- HDFC Retirement Fund - Hybrid-Equity PlanHDFC Mutual Fund · NAV ₹42.96 -2.3% 8.8% 10.5%
- Axis Retirement Fund - Dynamic PlanAxis Mutual Fund · NAV ₹22.00 2.6% 13.9% 10.2%
- UTI Retirement FundUTI Mutual Fund · NAV ₹55.29 3.4% 9.9% 10.0%
- LIC MF Children's FundLIC Mutual Fund · NAV ₹39.26 9.5% 11.3% 9.6%
- ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund · NAV ₹20.41 7.6% 10.8% 9.3%
- Axis Retirement Fund - Aggressive PlanAxis Mutual Fund · NAV ₹20.58 2.6% 13.3% 9.0%
- UTI Children's Equity FundUTI Mutual Fund · NAV ₹92.02 -2.4% 10.0% 8.8%
- SBI Retirement Benefit Fund - Conservative Hybrid PlanSBI Mutual Fund · NAV ₹16.51 3.5% 8.0% 8.8%
- Tata Childrens FundTata Mutual Fund · NAV ₹63.04 -7.3% 6.1% 8.2%
- Axis Children's FundAxis Mutual Fund · NAV ₹30.53 3.6% 10.4% 8.1%
- Franklin India Retirement FundFranklin Templeton Mutual Fund · NAV ₹242.94 0.8% 8.7% 7.9%
- HDFC Retirement Fund - Hybrid-Debt PlanHDFC Mutual Fund · NAV ₹24.96 2.4% 7.4% 7.6%
- Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund · NAV ₹39.34 5.9% 8.7% 7.5%
- UTI Children's Hybrid FundUTI Mutual Fund · NAV ₹41.73 1.2% 7.7% 7.4%
- SBI Retirement Benefit Fund - Conservative PlanSBI Mutual Fund · NAV ₹15.09 3.5% 7.2% 7.4%
- Nippon India Retirement Fund- Income Generation SchemeNippon India Mutual Fund · NAV ₹23.63 3.1% 7.7% 7.2%
- Axis Retirement Fund - Conservative PlanAxis Mutual Fund · NAV ₹17.79 2.4% 8.8% 7.2%
- ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund · NAV ₹17.24 5.1% 6.9% 6.2%
- Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund · NAV ₹15.00 4.7% 6.2% 5.2%
- Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Mutual Fund · NAV ₹21.99 — — —
- Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund · NAV ₹16.92 — — —
- BANDHAN RETIREMENT FUNDBandhan Mutual Fund · NAV ₹13.30 — — —
- Baroda BNP Paribas Children's FundBaroda BNP Paribas Mutual Fund · NAV ₹11.73 — — —
- Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund · NAV ₹12.27 — — —
- PGIM India Retirement FundPGIM India Mutual Fund · NAV ₹13.06 — — —
- Union Children's FundUnion Mutual Fund · NAV ₹13.55 — — —
- Union Retirement FundUnion Mutual Fund · NAV ₹17.84 8.6% 15.4% —
Point-to-point CAGR from AMFI NAV history, Direct 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.