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 ₹50.73 18.0% 21.7% 21.2%
- ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Mutual Fund · NAV ₹35.69 9.6% 20.5% 19.6%
- ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Mutual Fund · NAV ₹28.54 9.8% 18.1% 15.1%
- HDFC Retirement Fund - Equity PlanHDFC Mutual Fund · NAV ₹49.08 -3.3% 9.8% 12.9%
- ICICI Prudential Children's FundICICI Prudential Mutual Fund · NAV ₹329.55 -1.1% 13.5% 12.3%
- Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund · NAV ₹23.05 14.0% 16.1% 12.3%
- SBI Retirement Benefit Fund - Aggressive PlanSBI Mutual Fund · NAV ₹20.66 2.7% 9.7% 12.2%
- Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund · NAV ₹29.04 1.0% 12.4% 12.1%
- SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Mutual Fund · NAV ₹20.00 5.9% 10.4% 11.9%
- Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund · NAV ₹70.30 7.3% 13.7% 11.0%
- Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund · NAV ₹69.18 7.1% 12.8% 10.8%
- HDFC Children's FundHDFC Mutual Fund · NAV ₹292.57 0.2% 8.9% 10.7%
- SBI CHILDREN'S FUND - SAVINGS PLANSBI Mutual Fund · NAV ₹120.12 9.2% 11.7% 10.7%
- ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNAAditya Birla Sun Life Mutual Fund · NAV ₹21.19 6.8% 12.0% 9.8%
- UTI Retirement FundUTI Mutual Fund · NAV ₹50.76 2.8% 9.2% 9.3%
- HDFC Retirement Fund - Hybrid-Equity PlanHDFC Mutual Fund · NAV ₹37.27 -3.4% 7.6% 9.2%
- LIC MF Children's FundLIC Mutual Fund · NAV ₹34.94 8.5% 10.4% 8.8%
- Axis Retirement Fund - Dynamic PlanAxis Mutual Fund · NAV ₹19.80 1.3% 12.5% 8.6%
- SBI Retirement Benefit Fund - Conservative Hybrid PlanSBI Mutual Fund · NAV ₹15.99 2.9% 7.4% 8.1%
- ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund · NAV ₹18.45 6.4% 9.6% 8.1%
- UTI Children's Equity FundUTI Mutual Fund · NAV ₹81.67 -3.3% 8.8% 7.6%
- Tata Childrens FundTata Mutual Fund · NAV ₹56.18 -7.8% 5.5% 7.6%
- Axis Retirement Fund - Aggressive PlanAxis Mutual Fund · NAV ₹18.59 1.3% 11.8% 7.5%
- UTI Children's Hybrid FundUTI Mutual Fund · NAV ₹40.68 1.0% 7.5% 7.2%
- Franklin India Retirement FundFranklin Templeton Mutual Fund · NAV ₹219.60 0.1% 7.8% 7.1%
- Axis Children's FundAxis Mutual Fund · NAV ₹26.56 2.7% 9.2% 6.9%
- SBI Retirement Benefit Fund - Conservative PlanSBI Mutual Fund · NAV ₹14.68 3.1% 6.7% 6.9%
- HDFC Retirement Fund - Hybrid-Debt PlanHDFC Mutual Fund · NAV ₹21.82 1.4% 6.2% 6.4%
- Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund · NAV ₹33.15 4.6% 7.5% 6.2%
- Nippon India Retirement Fund- Income Generation SchemeNippon India Mutual Fund · NAV ₹20.46 2.0% 6.5% 6.1%
- Axis Retirement Fund - Conservative PlanAxis Mutual Fund · NAV ₹16.01 1.4% 7.5% 5.7%
- ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund · NAV ₹15.71 4.1% 5.9% 5.1%
- Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund · NAV ₹13.65 3.5% 5.0% 4.0%
- Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Mutual Fund · NAV ₹19.68 — — —
- Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund · NAV ₹15.26 — — —
- BANDHAN RETIREMENT FUNDBandhan Mutual Fund · NAV ₹12.65 — — —
- Baroda BNP Paribas Children's FundBaroda BNP Paribas Mutual Fund · NAV ₹11.36 — — —
- Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund · NAV ₹11.80 — — —
- PGIM India Retirement FundPGIM India Mutual Fund · NAV ₹12.53 — — —
- Union Children's FundUnion Mutual Fund · NAV ₹13.09 — — —
- Union Retirement FundUnion Mutual Fund · NAV ₹16.84 7.3% 13.9% —
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.