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+22.25%+20.37%+24.53%100%-15.7%₹7,310 Cr1.07%
2ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - Growth OptionPlatinumRetirement Fund+20.85%+13.13%+25.80%100%-37.2%₹2,096 Cr0.87%
3ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth OptionPlatinumRetirement Fund+16.44%+13.53%+20.74%95%-28.7%₹1,273 Cr1.18%
4HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct PlanRetirement Fund+13.71%-0.28%+19.59%73%-34.9%₹7,014 Cr0.92%
5Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct GrowthGoldRetirement Fund+13.52%+17.75%+14.83%68%-34.2%₹473 Cr1.35%
6SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthBronzeRetirement Fund+13.17%+5.86%+15.31%82%-17.9%₹3,159 Cr1.10%
7Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+13.04%+3.96%+13.12%51%-44.9%₹3,135 Cr1.28%
8ICICI Prudential Children's Fund - Direct PlanBronzeChildren's Fund+12.97%+1.88%+14.14%54%-31.1%₹1,434 Cr2.36%
9SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthGoldRetirement Fund+12.68%+8.13%+14.49%77%-14.5%₹1,629 Cr1.18%
10Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth OptionGoldRetirement Fund+12.44%+10.17%+16.83%80%-34.2%₹2,217 Cr0.82%
11Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth OptionGoldRetirement Fund+12.15%+9.74%+15.49%75%-29.6%₹2,218 Cr0.83%
12HDFC Childrens Fund - Direct PlanBronzeChildren's Fund+11.47%+2.02%+15.67%67%-28.9%₹10,575 Cr1.02%
13ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA DIRECT GROWTHSilverChildren's Fund+11.09%+9.68%+14.24%60%-33.9%₹1,243 Cr1.08%
14SBI Children's Fund - Savings Plan - DIRECT PLAN - GROWTHGoldChildren's Fund+11.01%+10.16%+12.74%39%-14.4%₹146 Cr0.92%
15Axis Retirement Fund - Dynamic Plan - Direct GrowthRetirement Fund+10.45%+4.29%+14.29%73%-17.1%₹285 Cr1.40%
16Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-GrowthBronzeRetirement Fund+10.38%+7.32%+12.80%47%-27.3%₹116 Cr1.12%
17HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct PlanRetirement Fund+10.28%-0.38%+15.86%70%-27.5%₹1,630 Cr1.10%
18UTI Retirement Fund- Direct PlanRetirement Fund+9.95%+4.36%+10.54%23%-18.9%₹4,725 Cr1.10%
19Axis Retirement Fund - Aggressive Plan - Direct GrowthRetirement Fund+9.07%+4.24%+13.07%53%-25.9%₹709 Cr1.29%
20SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthBronzeRetirement Fund+8.68%+4.29%+10.51%4%-6.9%₹256 Cr1.24%
21UTI Children's Equity Fund - Direct Plan - Growth OptionChildren's Fund+8.60%+0.64%+14.22%58%-35.2%₹1,140 Cr1.26%
22Axis Children's Fund - Lock in - Direct GrowthChildren's Fund+8.08%+5.18%+11.27%25%-27.1%₹906 Cr1.47%
23Franklin India Retirement Fund - Direct - GrowthRetirement Fund+7.91%+1.89%+9.68%16%-13.8%₹495 Cr1.53%
24HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct PlanRetirement Fund+7.62%+3.08%+9.37%0%-7.8%₹148 Cr1.35%
25SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthBronzeRetirement Fund+7.46%+3.93%+8.95%0%-4.5%₹141 Cr0.97%
26Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth OptionBronzeRetirement Fund+7.46%+6.35%+9.23%13%-11.0%₹169 Cr1.05%
27UTI Children's Hybrid Fund - Direct PlanChildren's Fund+7.44%+2.40%+9.51%5%-18.7%₹4,422 Cr1.48%
28Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+7.39%+3.28%+8.14%0%-7.4%₹144 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.