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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+19.38%+13.91%+24.37%100%-15.7%₹7,765 Cr1.12%
2ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - Growth OptionGoldRetirement Fund+17.95%+4.26%+25.59%100%-37.2%₹2,158 Cr0.89%
3ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth OptionPlatinumRetirement Fund+14.34%+4.18%+20.68%96%-28.7%₹1,321 Cr1.21%
4Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct GrowthGoldRetirement Fund+11.62%+10.95%+14.93%70%-34.2%₹487 Cr1.35%
5HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct PlanRetirement Fund+11.21%-7.31%+19.50%72%-34.9%₹7,014 Cr0.92%
6ICICI Prudential Children's Fund - Direct PlanChildren's Fund+11.08%-3.52%+14.09%54%-31.1%₹1,436 Cr2.32%
7SBI Children's Fund - Savings Plan - DIRECT PLAN - GROWTHPlatinumChildren's Fund+10.56%+9.61%+12.73%39%-14.4%₹149 Cr0.91%
8SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthRetirement Fund+10.39%-1.65%+15.18%79%-17.9%₹3,242 Cr1.13%
9SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthGoldRetirement Fund+10.35%+0.85%+14.33%75%-14.5%₹1,672 Cr1.22%
10Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+9.87%-4.58%+13.04%51%-44.9%₹3,127 Cr1.26%
11HDFC Childrens Fund - Direct PlanBronzeChildren's Fund+9.84%-2.02%+15.62%67%-28.9%₹10,658 Cr1.04%
12Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth OptionSilverRetirement Fund+9.62%+2.75%+16.78%80%-34.2%₹2,255 Cr0.84%
13Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth OptionBronzeRetirement Fund+9.61%+2.94%+15.45%75%-29.6%₹2,251 Cr0.84%
14ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA DIRECT GROWTHSilverChildren's Fund+8.87%+1.91%+14.15%59%-33.9%₹1,266 Cr1.14%
15HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct PlanRetirement Fund+8.59%-6.67%+15.82%69%-27.5%₹1,630 Cr1.10%
16Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-GrowthRetirement Fund+8.51%+0.24%+12.75%47%-27.3%₹116 Cr1.18%
17UTI Retirement Fund- Direct PlanRetirement Fund+8.36%+0.19%+10.51%23%-18.9%₹4,699 Cr1.16%
18SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthBronzeRetirement Fund+7.46%+0.80%+10.43%4%-6.9%₹255 Cr1.24%
19Axis Retirement Fund - Dynamic Plan - Direct GrowthRetirement Fund+7.45%-2.57%+14.21%73%-17.1%₹285 Cr1.35%
20Franklin India Retirement Fund - Direct - GrowthRetirement Fund+6.81%-1.25%+9.65%16%-13.8%₹493 Cr1.55%
21SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthBronzeRetirement Fund+6.79%+1.87%+8.91%0%-4.5%₹140 Cr0.98%
22HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct PlanRetirement Fund+6.78%-0.11%+9.35%0%-7.8%₹148 Cr1.35%
23Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth OptionSilverRetirement Fund+6.38%+2.85%+9.21%13%-11.0%₹171 Cr1.06%
24Axis Retirement Fund - Aggressive Plan - Direct GrowthRetirement Fund+6.34%-2.65%+12.99%53%-25.9%₹706 Cr1.25%
25UTI Children's Hybrid Fund - Direct PlanChildren's Fund+5.94%-1.99%+9.48%5%-18.7%₹4,422 Cr1.48%
26UTI Children's Equity Fund - Direct Plan - Growth OptionChildren's Fund+5.88%-8.49%+14.19%58%-35.2%₹1,133 Cr1.37%
27Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+5.84%-0.81%+8.12%0%-7.4%₹143 Cr0.98%
28Axis Children's Fund - Lock in - Direct GrowthChildren's Fund+5.60%-1.64%+11.24%25%-27.1%₹907 Cr1.49%

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.