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 (Direct 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
0.8%
Median 3Y CAGR
8.2%
Median 5Y CAGR
8.4%
Median 3Y rolling
12.9%
Median max DD 5Y
−12.3%
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, Direct plans alphabetical · 29 schemes
| Scheme | NAV (₹) | AUM (₹ cr) | TER | 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 | 24.47 | 465 | n/a | 11.0% | 15.1% | 11.6% | 15.0% | 6.6% | n/a | 15.7% | −19.0% | 7.6 y |
| Aditya Birla Sun Life Retirement Fund-The 40s Plan Aditya Birla Sun Life Mutual Fund | 20.75 | 110 | n/a | 0.2% | 9.9% | 8.5% | 12.8% | 6.7% | n/a | 11.6% | −14.6% | 7.6 y |
| Aditya Birla Sun Life Retirement Fund-The 50s Plan Aditya Birla Sun Life Mutual Fund | 16.55 | 27 | n/a | 3.4% | 7.6% | 6.8% | 7.5% | 3.8% | n/a | 4.4% | −5.0% | 7.6 y |
| Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan Aditya Birla Sun Life Mutual Fund | 14.91 | 14 | n/a | 3.3% | 5.8% | 5.0% | 5.0% | 3.7% | n/a | 1.4% | −2.3% | 7.6 y |
| Axis Retirement Fund - Aggressive Plan Axis Mutual Fund | 19.45 | 666 | 1.26% | -2.7% | 9.9% | 6.3% | 13.0% | 7.1% | n/a | 12.5% | −21.0% | 6.8 y |
| Axis Retirement Fund - Conservative Plan Axis Mutual Fund | 17.09 | 45 | 1.27% | -1.7% | 6.7% | 5.7% | 9.6% | 6.7% | n/a | 7.1% | −8.5% | 6.8 y |
| Axis Retirement Fund - Dynamic Plan Axis Mutual Fund | 20.84 | 269 | 1.34% | -2.6% | 10.8% | 7.5% | 14.2% | 8.7% | n/a | 13.8% | −17.1% | 6.8 y |
| BANDHAN RETIREMENT FUND Bandhan Mutual Fund | 12.68 | 175 | n/a | -2.3% | 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 | 11.61 | 387 | 1.16% | 2.1% | 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 | 236.72 | 479 | 1.52% | -1.3% | 7.0% | 6.8% | 9.7% | 2.6% | n/a | 6.1% | −7.4% | 13.7 y |
| HDFC Retirement Fund - Equity Plan HDFC Mutual Fund | 52.94 | 6,645 | n/a | -7.3% | 8.1% | 11.2% | 19.5% | -4.6% | n/a | 13.6% | −16.1% | 10.6 y |
| HDFC Retirement Fund - Hybrid-Debt Plan HDFC Mutual Fund | 24.44 | 143 | n/a | -0.1% | 6.3% | 6.8% | 9.3% | 5.0% | n/a | 4.5% | −4.0% | 10.6 y |
| HDFC Retirement Fund - Hybrid-Equity Plan HDFC Mutual Fund | 40.90 | 1,530 | n/a | -6.7% | 6.6% | 8.6% | 15.8% | -0.6% | n/a | 10.9% | −12.3% | 10.6 y |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan ICICI Prudential Mutual Fund | 30.14 | 1,268 | n/a | 4.2% | 16.4% | 14.3% | 20.7% | 10.2% | n/a | 14.0% | −14.7% | 7.6 y |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan ICICI Prudential Mutual Fund | 19.91 | 95 | n/a | 4.1% | 9.4% | 8.5% | 9.8% | 7.1% | n/a | 4.7% | −4.7% | 7.6 y |
| ICICI Prudential Retirement Fund Pure Debt Plan ICICI Prudential Mutual Fund | 17.17 | 79 | n/a | 3.9% | 6.5% | 5.9% | 6.8% | 5.0% | n/a | 1.7% | −1.3% | 7.6 y |
| ICICI Prudential Retirement Fund Pure Equity Plan ICICI Prudential Mutual Fund | 37.44 | 2,106 | n/a | 4.3% | 18.5% | 18.0% | 25.6% | 14.9% | n/a | 16.4% | −16.9% | 7.6 y |
| Nippon India Retirement Fund- Income Generation Scheme Nippon India Mutual Fund | 22.87 | 138 | n/a | -0.8% | 6.1% | 5.8% | 8.1% | 4.1% | n/a | 5.5% | −7.4% | 11.6 y |
| Nippon India Retirement Fund- Wealth Creation Scheme Nippon India Mutual Fund | 30.87 | 2,939 | n/a | -4.6% | 9.3% | 9.9% | 13.0% | -10.7% | n/a | 15.3% | −18.7% | 11.6 y |
| PGIM India Retirement Fund PGIM India Mutual Fund | 12.26 | 104 | 1.12% | 0.7% | 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 | 20.18 | 1,587 | n/a | 0.8% | 8.6% | 10.4% | 14.3% | 8.5% | n/a | 12.3% | −14.5% | 5.6 y |
| SBI Retirement Benefit Fund - Aggressive Plan SBI Mutual Fund | 20.85 | 3,066 | n/a | -1.7% | 7.6% | 10.4% | 15.2% | 7.4% | n/a | 15.1% | −17.9% | 5.6 y |
| SBI Retirement Benefit Fund - Conservative Hybrid Plan SBI Mutual Fund | 16.11 | 248 | n/a | 0.8% | 6.5% | 7.5% | 10.4% | 6.4% | n/a | 7.1% | −6.9% | 5.6 y |
| SBI Retirement Benefit Fund - Conservative Plan SBI Mutual Fund | 14.91 | 138 | n/a | 1.9% | 6.4% | 6.8% | 8.9% | 6.3% | n/a | 4.9% | −4.4% | 5.6 y |
| Tata Retirement Savings Fund-Conservative Plan Tata Mutual Fund | 38.15 | 165 | n/a | 2.8% | 7.2% | 6.4% | 9.2% | 4.2% | n/a | 5.7% | −6.1% | 13.7 y |
| Tata Retirement Savings Fund-Moderate Plan Tata Mutual Fund | 77.97 | 2,115 | n/a | 2.9% | 10.9% | 9.6% | 15.4% | -1.2% | n/a | 14.3% | −16.1% | 13.7 y |
| Tata Retirement Savings Fund-Progressive Plan Tata Mutual Fund | 79.93 | 2,104 | n/a | 2.8% | 11.3% | 9.6% | 16.8% | -1.7% | n/a | 16.8% | −19.7% | 13.7 y |
| Union Retirement Fund Union Mutual Fund | 16.59 | 207 | 1.36% | 1.9% | 11.6% | n/a | 17.9% | 11.6% | n/a | 14.5% | n/a | 4.0 y |
| UTI Retirement Fund UTI Mutual Fund | 53.58 | 4,578 | 1.16% | 0.2% | 8.2% | 8.4% | 10.5% | -2.4% | n/a | 6.9% | −6.3% | 13.7 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. AUM is the whole scheme (all plans) and TER is for the plan shown, both as disclosed to AMFI. "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).