Retirement and children's funds

29 funds match this screen, ranked on 5-year return. Which goal-based funds have the best long-term record?

Criteria: Retirement and children's funds, ranked on 5-year return.

These carry lock-ins of five years or until a stated goal, so they are judged over the horizon they actually impose. Check the equity/debt split before the returns — funds in this group range from near-all-equity to conservative hybrids, and the returns are not comparable across that range.

Retirement and children's funds, ranked by 5-year return

#
1SBI Children's Fund - Investment Plan - Direct Plan - GrowthPlatinumChildren's Fund+22.25%+24.58%100%-15.7%+22.66%₹7,310 Cr1.07%
2ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - Growth OptionPlatinumRetirement Fund+20.85%+25.81%100%-37.2%+22.67%₹2,096 Cr0.87%
3ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth OptionPlatinumRetirement Fund+16.44%+20.77%95%-28.7%+20.14%₹1,273 Cr1.18%
4HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct PlanRetirement Fund+13.71%+19.64%73%-34.9%+11.25%₹7,014 Cr0.92%
5Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct GrowthGoldRetirement Fund+13.52%+14.81%68%-34.2%+17.52%₹473 Cr1.35%
6SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthSilverRetirement Fund+13.17%+15.35%83%-17.9%+11.08%₹3,159 Cr1.10%
7Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+13.04%+13.12%51%-44.9%+13.62%₹3,135 Cr1.28%
8ICICI Prudential Children's Fund - Direct PlanBronzeChildren's Fund+12.97%+14.13%53%-31.1%+14.69%₹1,434 Cr2.36%
9SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthGoldRetirement Fund+12.68%+14.50%77%-14.5%+11.53%₹1,629 Cr1.18%
10Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth OptionGoldRetirement Fund+12.44%+16.83%80%-34.2%+15.21%₹2,217 Cr0.82%
11Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth OptionGoldRetirement Fund+12.15%+15.50%75%-29.6%+14.24%₹2,218 Cr0.83%
12HDFC Childrens Fund - Direct PlanBronzeChildren's Fund+11.47%+15.67%67%-28.9%+9.92%₹10,575 Cr1.02%
13ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA DIRECT GROWTHSilverChildren's Fund+11.09%+14.25%60%-33.9%+13.51%₹1,243 Cr1.07%
14SBI Children's Fund - Savings Plan - DIRECT PLAN - GROWTHGoldChildren's Fund+11.01%+12.74%39%-14.4%+12.53%₹146 Cr0.92%
15Axis Retirement Fund - Dynamic Plan - Direct GrowthBronzeRetirement Fund+10.45%+14.31%73%-17.1%+14.23%₹285 Cr1.40%
16Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-GrowthBronzeRetirement Fund+10.38%+12.81%48%-27.3%+12.68%₹116 Cr1.12%
17HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct PlanRetirement Fund+10.28%+15.87%70%-27.5%+9.04%₹1,630 Cr1.10%
18UTI Retirement Fund- Direct PlanRetirement Fund+9.95%+10.55%23%-18.9%+10.06%₹4,725 Cr1.10%
19Axis Retirement Fund - Aggressive Plan - Direct GrowthRetirement Fund+9.07%+13.06%52%-25.9%+13.30%₹709 Cr1.29%
20SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthBronzeRetirement Fund+8.68%+10.52%4%-6.9%+8.18%₹256 Cr1.24%
21UTI Children's Equity Fund - Direct Plan - Growth OptionChildren's Fund+8.60%+14.23%58%-35.2%+10.07%₹1,140 Cr1.25%
22Axis Children's Fund - Lock in - Direct GrowthChildren's Fund+8.08%+11.28%25%-27.1%+10.39%₹906 Cr1.46%
23Franklin India Retirement Fund - Direct - GrowthRetirement Fund+7.91%+9.69%16%-13.8%+8.75%₹495 Cr1.53%
24HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct PlanRetirement Fund+7.62%+9.37%0%-7.8%+7.55%₹148 Cr1.35%
25Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth OptionBronzeRetirement Fund+7.46%+9.23%13%-11.0%+8.80%₹169 Cr1.05%
26SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthRetirement Fund+7.46%+8.95%0%-4.5%+7.39%₹141 Cr0.97%
27UTI Children's Hybrid Fund - Direct PlanChildren's Fund+7.44%+9.52%5%-18.7%+7.78%₹4,422 Cr1.48%
28Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+7.39%+8.15%0%-7.4%+8.02%₹144 Cr0.98%
29Union Retirement Fund - Direct Plan - Growth OptionGoldRetirement Fund—+18.20%100%-17.8%+15.50%₹210 Cr1.39%

Badges are our own quality tiers — Platinum (top 10%), Gold (25%), Silver (50%), Bronze (75%) — scored within each sub-category, so they compare a fund with its peers and not with funds of a different type. “3Y typical” is the median annualised return across every 3-year holding period the fund has lived through, not a single 3-year figure; “3Y loss odds” is the share of those periods that ended down. “Beat peers” is the share in which it beat its category's median, and “worst fall” is its deepest peak-to-trough drop. Open a fund for the full distribution. Click any column heading to re-sort — including the fund name, which groups a house’s funds together. Funds with no value for a column sort last. Returns over 1 year are annualised (CAGR). Past performance does not indicate future returns. Eligibility: Direct plan, Growth option. Wound-up, suspended and distributing (IDCW/payout) variants are excluded. Distributing funds are matched by NAME as well as by option, because the option field is wrong on around 100 schemes.