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Retirement & children

Saving for retirement or a child’s education?

These carry lock-ins tied to the goal. Ranked on 5-year annualised return (CAGR).

42 funds in this group. 28 meet the eligibility criteria below.

28 funds, ranked by 5Y return

#
1SBI Children's Fund - Investment Plan - Direct Plan - GrowthGoldChildren's Fund+17.77%+6.62%+24.25%100%-15.7%₹7,949 Cr1.05%
2ICICI Prudential Retirement Fund Pure Equity Plan - Growth - Direct PlanBronzeRetirement Fund+16.49%-3.59%+25.49%100%-37.2%₹2,106 Cr0.93%
3ICICI Prudential Retirement Fund Hybrid Aggressive Plan - Growth - Direct PlanSilverRetirement Fund+12.61%-3.70%+20.59%96%-28.7%₹1,268 Cr1.21%
4HDFC Retirement Fund - Equity Plan - Growth Option - Direct PlanRetirement Fund+10.70%-10.44%+19.43%71%-34.9%₹7,014 Cr0.92%
5Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct GrowthGoldRetirement Fund+10.63%+3.47%+14.98%70%-34.2%₹465 Cr1.33%
6ICICI Prudential Children's Fund - Direct PlanChildren's Fund+9.93%-7.91%+14.05%53%-31.1%₹1,376 Cr2.35%
7SBI Children's Fund - Savings Plan - DIRECT PLAN - GROWTHGoldChildren's Fund+9.82%+6.74%+12.71%39%-14.4%₹152 Cr0.91%
8SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthGoldRetirement Fund+9.09%-5.15%+14.26%73%-14.5%₹1,587 Cr1.17%
9SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthRetirement Fund+8.99%-7.88%+15.05%77%-17.9%₹3,066 Cr1.13%
10HDFC Childrens Fund - Direct PlanBronzeChildren's Fund+8.93%-6.46%+15.58%67%-28.9%₹10,339 Cr1.03%
11Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth OptionRetirement Fund+8.59%-3.64%+15.38%75%-29.6%₹2,115 Cr0.83%
12Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+8.53%-10.15%+12.96%51%-44.9%₹3,127 Cr1.26%
13Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth OptionRetirement Fund+8.46%-4.64%+16.74%80%-34.2%₹2,104 Cr0.82%
14ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA DIRECT GROWTHBronzeChildren's Fund+8.26%-3.82%+14.09%59%-33.9%₹1,197 Cr1.16%
15HDFC Retirement Fund - Hybrid-Equity Plan - Growth Option - Direct PlanRetirement Fund+8.19%-9.36%+15.78%69%-27.5%₹1,630 Cr1.10%
16Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-GrowthRetirement Fund+7.94%-5.32%+12.73%47%-27.3%₹110 Cr1.18%
17UTI Retirement Fund- Direct PlanBronzeRetirement Fund+7.85%-2.07%+10.49%23%-18.9%₹4,578 Cr1.16%
18Axis Retirement Fund - Dynamic Plan - Direct GrowthRetirement Fund+6.99%-7.04%+14.17%72%-17.1%₹269 Cr1.34%
19SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthSilverRetirement Fund+6.90%-2.20%+10.39%4%-6.9%₹248 Cr1.26%
20HDFC Retirement Fund - Hybrid-Debt Plan - Growth Option - Direct PlanPlatinumRetirement Fund+6.59%-1.68%+9.33%0%-7.8%₹148 Cr1.35%
21SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthSilverRetirement Fund+6.50%-0.10%+8.89%0%-4.5%₹138 Cr0.98%
22Franklin India Retirement Fund - Direct - GrowthRetirement Fund+6.25%-4.04%+9.59%16%-13.8%₹479 Cr1.52%
23Axis Retirement Fund - Aggressive Plan - Direct GrowthRetirement Fund+6.20%-6.84%+12.94%52%-25.9%₹666 Cr1.26%
24Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth OptionGoldRetirement Fund+6.07%+1.80%+9.19%13%-11.0%₹165 Cr1.04%
25Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth OptionGoldRetirement Fund+5.70%-2.38%+8.10%0%-7.4%₹143 Cr0.98%
26UTI Children's Hybrid Fund - Direct PlanSilverChildren's Fund+5.58%-4.00%+9.46%5%-18.7%₹4,422 Cr1.48%
27UTI Children's Equity Fund - Direct Plan - Growth OptionChildren's Fund+5.21%-11.82%+14.16%58%-35.2%₹1,063 Cr1.38%
28Axis Children's Fund - Lock in - Direct GrowthBronzeChildren's Fund+4.92%-5.52%+11.22%25%-27.1%₹863 Cr1.48%

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, Growth only, minimum AUM ₹100 Cr, at least 5 year(s) old, short-duration categories included. Past performance. Returns for 3y/5y are annualised (CAGR) and are withheld where the NAV series does not support the period.

Retirement & children — FAQs
How do retirement and children’s funds differ from ordinary funds?

They are solution-oriented categories with a mandatory lock-in — five years or until retirement age for retirement funds, and five years or until the child turns 18 for children’s funds. The underlying portfolios resemble other equity or hybrid funds; the lock-in is the distinguishing feature.

Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Disclaimer