Top 10 Retirement funds by 5-year CAGR
All 29 Regular-plan Retirement schemes in AMFI’s data with a current NAV, ranked by 5-year CAGR. The table also shows shorter and longer returns, volatility, the deepest fall in five years and the Sharpe ratio, so one number is not read in isolation.
Ranked among 25 Regular-plan Retirement schemes with enough history (4 newer schemes left out) · Growth option · data as of 27 Oct 2026.
| # | Scheme | Category | 5Y CAGR | 1Y | 3Y CAGR | Volatility | Max fall 5Y | Sharpe | Riskometer | AUM |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | ICICI Prudential Retirement Fund Pure Equity Plan ICICI Prudential | Retirement | 15.2% | −4.0% | 17.4% | 16.6% | −17.4% | 0.64 | Very High | ₹2,043 Cr |
| 2 | ICICI Prudential Retirement Fund Hybrid Aggressive Plan ICICI Prudential | Retirement | 11.2% | −3.9% | 14.8% | 14.3% | −15.2% | 0.57 | Very High | ₹1,210 Cr |
| 3 | Aditya Birla Sun Life Retirement Fund-The 30s Plan Aditya Birla Sun Life | Retirement | 9.4% | 4.3% | 14.4% | 15.8% | −19.4% | 0.50 | Very High | ₹449 Cr |
| 4 | HDFC Retirement Fund - Equity Plan HDFC | Retirement | 9.3% | −10.8% | 8.0% | 13.6% | −16.5% | 0.10 | Very High | ₹6,629 Cr |
| 5 | SBI Retirement Benefit Fund - Aggressive Hybrid Plan SBI | Retirement | 8.1% | −4.7% | 7.4% | 12.5% | −14.9% | 0.08 | Very High | ₹1,527 Cr |
| 6 | SBI Retirement Benefit Fund - Aggressive Plan SBI | Retirement | 7.9% | −7.3% | 6.7% | 15.2% | −18.4% | 0.02 | Very High | ₹2,957 Cr |
| 7 | Nippon India Retirement Fund- Wealth Creation Scheme Nippon India | Retirement | 7.6% | −10.2% | 8.6% | 15.4% | −18.9% | 0.13 | Very High | ₹2,832 Cr |
| 8 | Tata Retirement Savings Fund-Moderate Plan Tata | Retirement | 7.2% | −3.6% | 9.5% | 14.4% | −15.8% | 0.20 | Very High | ₹2,041 Cr |
| 9 | UTI Retirement Fund UTI | Retirement | 7.2% | −2.6% | 7.7% | 6.9% | −6.4% | 0.18 | Moderately High | ₹4,529 Cr |
| 10 | Tata Retirement Savings Fund-Progressive Plan Tata | Retirement | 7.1% | −4.3% | 9.9% | 16.9% | −19.4% | 0.19 | Very High | ₹2,021 Cr |
| Category median | 6.5% | −4.0% | 7.4% | 10.9% | −12.7% | 0.08 | ||||
Regular plans, Growth option. Returns are after expenses (TER is deducted from NAV). MFIC calculates returns, volatility, drawdown and Sharpe from AMFI NAVs; benchmark excess, riskometer and AUM are as published by AMFI. Schemes without enough history for the measure are left out, not estimated.
How to read this list
Is #1 the best fund to buy?
No. A “Top 5” or “Top 10” place means highest or lowest on this one historical measure. Past performance is not indicative of future performance, and a ranking does not consider your goals, time horizon, taxes or existing portfolio.
Why compare several columns?
A high return with a deep fall or high volatility is a different experience from a steadier path to a similar return. Use the dashboard to rank by consistency, risk-adjusted return, SIP returns or your own weights.
Where does the data come from?
Daily NAVs and published returns from AMFI; scheme details from Scheme Summary Documents. Full methodology is on the MFIC Intelligence methodology section.
More rankings
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.
Past performance is not indicative of future performance. MFIC rankings are based on historical data and selected criteria and should not be interpreted as a guarantee of future performance. Integrato Financial Services Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-173155), not a SEBI-registered Investment Adviser; this page is analytical and educational and is not investment advice.