Retirement mutual funds
Solution-oriented scheme with a lock-in of five years or until retirement age, whichever is earlier. This page lists every Retirement scheme (Regular plan, growth option) with its returns, rolling-return consistency and risk, calculated from AMFI NAVs as of 2 Oct 2026.
Schemes
29
Category AUM (AMFI, August 2026)
₹33,194 cr
Net inflow in August
₹24 cr
Median 1Y return
-0.1%
Median 3Y CAGR
7.2%
Median 5Y CAGR
7.0%
Median 3Y rolling
11.3%
Median max DD 5Y
−12.7%
Category AUM and net inflow cover all plans and options of the 29 Retirement Fund schemes in AMFI's monthly report for August 2026 (source); net inflow is money invested minus money redeemed during the month.
Retirement schemes, Regular plans alphabetical · 29 schemes
| Scheme | NAV (₹) | 1Y | 3Y CAGR | 5Y CAGR | 3Y rolling median | 3Y rolling worst | 3Y beat-rate | Std dev | Max DD 5Y | History |
|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 30s Plan Aditya Birla Sun Life Mutual Fund | 21.84 | 9.5% | 13.6% | 10.1% | 13.3% | 4.8% | n/a | 15.7% | −19.4% | 7.6 y |
| Aditya Birla Sun Life Retirement Fund-The 40s Plan Aditya Birla Sun Life Mutual Fund | 18.56 | -1.1% | 8.4% | 7.0% | 11.2% | 5.0% | n/a | 11.5% | −15.4% | 7.6 y |
| Aditya Birla Sun Life Retirement Fund-The 50s Plan Aditya Birla Sun Life Mutual Fund | 14.92 | 2.0% | 6.2% | 5.4% | 6.1% | 2.4% | n/a | 4.4% | −5.3% | 7.6 y |
| Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan Aditya Birla Sun Life Mutual Fund | 13.57 | 2.1% | 4.6% | 3.8% | 3.7% | 2.4% | n/a | 1.4% | −2.4% | 7.6 y |
| Axis Retirement Fund - Aggressive Plan Axis Mutual Fund | 17.58 | -3.8% | 8.5% | 4.9% | 11.4% | 5.3% | n/a | 12.5% | −22.0% | 6.8 y |
| Axis Retirement Fund - Conservative Plan Axis Mutual Fund | 15.46 | -2.6% | 5.5% | 4.2% | 7.9% | 5.5% | n/a | 7.0% | −9.1% | 6.8 y |
| Axis Retirement Fund - Dynamic Plan Axis Mutual Fund | 18.75 | -3.7% | 9.4% | 5.9% | 12.4% | 6.8% | n/a | 13.7% | −18.1% | 6.8 y |
| BANDHAN RETIREMENT FUND Bandhan Mutual Fund | 12.07 | -3.9% | n/a | n/a | n/a | n/a | n/a | 9.3% | n/a | 3.0 y |
| Baroda BNP Paribas Retirement Fund Baroda BNP Paribas Mutual Fund | 11.17 | 0.7% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.3 y |
| Franklin India Retirement Fund Franklin Templeton Mutual Fund | 214.06 | -2.0% | 6.2% | 6.0% | 8.6% | 1.1% | n/a | 6.1% | −7.7% | 20.5 y |
| HDFC Retirement Fund - Equity Plan HDFC Mutual Fund | 46.19 | -8.2% | 7.0% | 10.0% | 18.1% | -6.0% | n/a | 13.6% | −16.5% | 10.6 y |
| HDFC Retirement Fund - Hybrid-Debt Plan HDFC Mutual Fund | 21.39 | -1.1% | 5.2% | 5.6% | 8.0% | 3.6% | n/a | 4.5% | −4.2% | 10.6 y |
| HDFC Retirement Fund - Hybrid-Equity Plan HDFC Mutual Fund | 35.57 | -7.7% | 5.4% | 7.3% | 14.4% | -2.1% | n/a | 10.9% | −12.7% | 10.6 y |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan ICICI Prudential Mutual Fund | 26.84 | 2.8% | 14.8% | 12.7% | 19.0% | 8.4% | n/a | 13.9% | −15.2% | 7.6 y |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan ICICI Prudential Mutual Fund | 18.01 | 2.9% | 8.1% | 7.3% | 8.6% | 5.7% | n/a | 4.7% | −4.9% | 7.6 y |
| ICICI Prudential Retirement Fund Pure Debt Plan ICICI Prudential Mutual Fund | 15.65 | 2.9% | 5.5% | 4.9% | 5.5% | 3.8% | n/a | 1.7% | −1.5% | 7.6 y |
| ICICI Prudential Retirement Fund Pure Equity Plan ICICI Prudential Mutual Fund | 33.43 | 2.9% | 16.9% | 16.3% | 23.9% | 13.0% | n/a | 16.4% | −17.4% | 7.6 y |
| Nippon India Retirement Fund- Income Generation Scheme Nippon India Mutual Fund | 19.82 | -1.9% | 5.0% | 4.7% | 6.8% | 2.9% | n/a | 5.5% | −8.1% | 11.6 y |
| Nippon India Retirement Fund- Wealth Creation Scheme Nippon India Mutual Fund | 27.09 | -5.5% | 8.3% | 8.8% | 11.8% | -11.6% | n/a | 15.3% | −19.3% | 11.6 y |
| PGIM India Retirement Fund PGIM India Mutual Fund | 11.78 | -0.9% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.5 y |
| SBI Retirement Benefit Fund - Aggressive Hybrid Plan SBI Mutual Fund | 18.93 | -0.1% | 7.5% | 9.2% | 13.1% | 7.4% | n/a | 12.3% | −14.9% | 5.6 y |
| SBI Retirement Benefit Fund - Aggressive Plan SBI Mutual Fund | 19.44 | -2.6% | 6.4% | 9.1% | 13.8% | 6.2% | n/a | 15.0% | −18.4% | 5.6 y |
| SBI Retirement Benefit Fund - Conservative Hybrid Plan SBI Mutual Fund | 15.58 | 0.3% | 6.0% | 6.9% | 9.9% | 5.9% | n/a | 7.1% | −7.0% | 5.6 y |
| SBI Retirement Benefit Fund - Conservative Plan SBI Mutual Fund | 14.50 | 1.4% | 5.9% | 6.3% | 8.4% | 5.8% | n/a | 4.9% | −4.6% | 5.6 y |
| Tata Retirement Savings Fund-Conservative Plan Tata Mutual Fund | 32.12 | 1.6% | 6.0% | 5.1% | 8.1% | 2.8% | n/a | 5.7% | −6.9% | 14.9 y |
| Tata Retirement Savings Fund-Moderate Plan Tata Mutual Fund | 64.40 | 1.5% | 9.3% | 8.1% | 14.2% | -2.5% | n/a | 14.3% | −17.0% | 14.9 y |
| Tata Retirement Savings Fund-Progressive Plan Tata Mutual Fund | 64.70 | 1.3% | 9.7% | 8.0% | 15.4% | -3.1% | n/a | 16.8% | −20.6% | 14.9 y |
| Union Retirement Fund Union Mutual Fund | 15.68 | 0.6% | 10.2% | n/a | 16.2% | 10.2% | n/a | 14.5% | n/a | 4.0 y |
| UTI Retirement Fund UTI Mutual Fund | 49.32 | -0.4% | 7.5% | 7.7% | 5.6% | -7.0% | n/a | 6.9% | −6.4% | 20.5 y |
Returns are from NAVs (after expenses, before tax); 3Y and 5Y are annualised. Rolling figures use every business-day start date in the scheme's history; beat-rate is the share of 3-year windows ahead of a benchmark — not available for this category in MFIC's free data. Std dev is annualised over 36 months. "n/a" means the scheme's history is too short or the data is still loading. Listed alphabetically; no order of preference is implied. Full definitions: MFIC methodology.
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Data & disclosure. Source: AMFI daily NAV file (portal.amfiindia.com) and historical NAVs via mfapi.in; calculations by MFIC. Data as of 2 Oct 2026. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155).