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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 - GrowthPlatinumChildren's Fund+20.13%+13.51%+24.42%100%-15.7%₹7,765 Cr1.12%
2ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - Growth OptionPlatinumRetirement Fund+19.38%+6.29%+25.60%100%-37.2%₹2,158 Cr0.89%
3ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth OptionPlatinumRetirement Fund+15.17%+6.35%+20.70%96%-28.7%₹1,321 Cr1.21%
4Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct GrowthGoldRetirement Fund+12.42%+11.58%+14.91%69%-34.2%₹487 Cr1.35%
5HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct PlanRetirement Fund+12.14%-6.24%+19.52%72%-34.9%₹7,014 Cr0.92%
6ICICI Prudential Children's Fund - Direct PlanChildren's Fund+11.79%-2.80%+14.13%53%-31.1%₹1,436 Cr2.32%
7SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthRetirement Fund+11.40%-0.53%+15.22%80%-17.9%₹3,242 Cr1.13%
8SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthGoldRetirement Fund+11.27%+2.58%+14.38%75%-14.5%₹1,672 Cr1.22%
9Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+11.09%-3.48%+13.08%51%-44.9%₹3,127 Cr1.26%
10SBI Children's Fund - Savings Plan - DIRECT PLAN - GROWTHGoldChildren's Fund+10.77%+9.42%+12.73%39%-14.4%₹149 Cr0.91%
11Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth OptionSilverRetirement Fund+10.66%+4.31%+16.79%80%-34.2%₹2,255 Cr0.84%
12Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth OptionSilverRetirement Fund+10.55%+4.27%+15.46%75%-29.6%₹2,251 Cr0.84%
13HDFC Childrens Fund - Direct PlanChildren's Fund+10.49%-1.38%+15.63%67%-28.9%₹10,658 Cr1.04%
14ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA DIRECT GROWTHSilverChildren's Fund+10.03%+4.67%+14.18%59%-33.9%₹1,266 Cr1.14%
15Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-GrowthRetirement Fund+9.21%+1.44%+12.77%47%-27.3%₹116 Cr1.18%
16HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct PlanRetirement Fund+9.15%-5.53%+15.83%69%-27.5%₹1,630 Cr1.10%
17UTI Retirement Fund- Direct PlanRetirement Fund+9.08%+0.93%+10.52%23%-18.9%₹4,699 Cr1.16%
18Axis Retirement Fund - Dynamic Plan - Direct GrowthRetirement Fund+8.14%-1.60%+14.23%73%-17.1%₹285 Cr1.35%
19SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthRetirement Fund+7.84%+1.68%+10.45%4%-6.9%₹255 Cr1.24%
20Franklin India Retirement Fund - Direct - GrowthRetirement Fund+7.24%-0.23%+9.66%16%-13.8%₹493 Cr1.55%
21HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct PlanBronzeRetirement Fund+7.06%+0.91%+9.36%0%-7.8%₹148 Cr1.35%
22Axis Retirement Fund - Aggressive Plan - Direct GrowthRetirement Fund+6.97%-1.96%+13.02%53%-25.9%₹706 Cr1.25%
23SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthBronzeRetirement Fund+6.95%+2.60%+8.92%0%-4.5%₹140 Cr0.98%
24UTI Children's Equity Fund - Direct Plan - Growth OptionChildren's Fund+6.79%-7.58%+14.20%58%-35.2%₹1,133 Cr1.37%
25Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth OptionBronzeRetirement Fund+6.72%+3.86%+9.22%13%-11.0%₹171 Cr1.06%
26UTI Children's Hybrid Fund - Direct PlanChildren's Fund+6.50%-1.38%+9.49%5%-18.7%₹4,422 Cr1.48%
27Axis Children's Fund - Lock in - Direct GrowthChildren's Fund+6.28%-0.44%+11.25%25%-27.1%₹907 Cr1.49%
28Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+6.17%+0.38%+8.13%0%-7.4%₹143 Cr0.98%

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.