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 ₹53.13 13.5% 20.8% 19.5%
- ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Mutual Fund · NAV ₹38.70 6.6% 19.9% 18.3%
- ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Mutual Fund · NAV ₹30.99 6.3% 17.7% 14.5%
- Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund · NAV ₹25.04 12.3% 16.2% 11.9%
- HDFC Retirement Fund - Equity PlanHDFC Mutual Fund · NAV ₹54.06 -6.3% 9.0% 11.5%
- ICICI Prudential Children's FundICICI Prudential Mutual Fund · NAV ₹356.46 -2.1% 12.7% 11.3%
- SBI Retirement Benefit Fund - Aggressive PlanSBI Mutual Fund · NAV ₹21.35 -0.1% 8.7% 10.8%
- SBI CHILDREN'S FUND - SAVINGS PLANSBI Mutual Fund · NAV ₹132.18 10.1% 11.7% 10.8%
- SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Mutual Fund · NAV ₹20.60 2.6% 9.6% 10.7%
- Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund · NAV ₹31.73 -3.4% 10.6% 10.3%
- Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund · NAV ₹83.18 5.6% 13.2% 10.2%
- Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund · NAV ₹80.67 5.3% 12.4% 10.2%
- HDFC Children's FundHDFC Mutual Fund · NAV ₹321.76 -0.8% 8.7% 10.1%
- ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNAAditya Birla Sun Life Mutual Fund · NAV ₹23.15 4.3% 11.0% 9.4%
- HDFC Retirement Fund - Hybrid-Equity PlanHDFC Mutual Fund · NAV ₹41.52 -5.9% 7.1% 8.7%
- UTI Retirement FundUTI Mutual Fund · NAV ₹54.28 1.2% 8.7% 8.7%
- ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund · NAV ₹20.14 5.3% 9.9% 8.6%
- Axis Retirement Fund - Dynamic PlanAxis Mutual Fund · NAV ₹21.34 -1.5% 11.7% 7.7%
- SBI Retirement Benefit Fund - Conservative Hybrid PlanSBI Mutual Fund · NAV ₹16.26 1.7% 6.9% 7.6%
- LIC MF Children's FundLIC Mutual Fund · NAV ₹38.22 5.0% 9.3% 7.6%
- Franklin India Retirement FundFranklin Templeton Mutual Fund · NAV ₹239.30 -0.5% 7.5% 6.9%
- HDFC Retirement Fund - Hybrid-Debt PlanHDFC Mutual Fund · NAV ₹24.59 0.6% 6.6% 6.9%
- SBI Retirement Benefit Fund - Conservative PlanSBI Mutual Fund · NAV ₹14.97 2.4% 6.5% 6.9%
- Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund · NAV ₹38.67 3.9% 7.8% 6.6%
- Axis Retirement Fund - Aggressive PlanAxis Mutual Fund · NAV ₹19.87 -1.7% 10.8% 6.5%
- UTI Children's Hybrid FundUTI Mutual Fund · NAV ₹40.83 -1.5% 6.3% 6.1%
- UTI Children's Equity FundUTI Mutual Fund · NAV ₹87.49 -7.6% 7.0% 6.1%
- Nippon India Retirement Fund- Income Generation SchemeNippon India Mutual Fund · NAV ₹23.14 0.3% 6.4% 6.0%
- ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund · NAV ₹17.20 4.3% 6.6% 5.9%
- Axis Children's FundAxis Mutual Fund · NAV ₹29.65 -0.4% 8.5% 5.7%
- Axis Retirement Fund - Conservative PlanAxis Mutual Fund · NAV ₹17.32 -0.5% 7.1% 5.7%
- Tata Childrens FundTata Mutual Fund · NAV ₹60.57 -10.5% 4.1% 5.7%
- Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund · NAV ₹14.94 3.7% 5.8% 5.0%
- Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Mutual Fund · NAV ₹21.24 — — —
- Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund · NAV ₹16.69 — — —
- BANDHAN RETIREMENT FUNDBandhan Mutual Fund · NAV ₹12.88 — — —
- Baroda BNP Paribas Children's FundBaroda BNP Paribas Mutual Fund · NAV ₹11.24 — — —
- Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund · NAV ₹11.85 — — —
- PGIM India Retirement FundPGIM India Mutual Fund · NAV ₹12.66 — — —
- Union Children's FundUnion Mutual Fund · NAV ₹12.96 — — —
- Union Retirement FundUnion Mutual Fund · NAV ₹17.07 3.5% 13.0% —
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.