Best Retirement Fund Mutual Funds
Retirement funds are solution-oriented schemes with a five-year (or till-retirement) lock-in. The lock-in enforces the long holding period that retirement investing needs.
We currently track 29 direct-plan Retirement Fund schemes from 13 fund houses with a median 5-year CAGR of 8.0%. Every figure below is calculated from official daily NAV history and refreshed each day. Use the column headers to re-rank the table by any period — the best 1-year performer is often not the best over 5 or 10 years, which is exactly why we default to the longer horizon.
Showing 29 of 29 schemes · sorted by Y5 high to low · page 1 of 1
- ICICI Prudential Retirement Fund Pure Equity Plan - Direct Plan - GrowthICICI Prudential · Solution Oriented₹37.17#11Y+1.25%3Y+17.92%5Y+17.55%10Y—
- ICICI Prudential Retirement Fund Hybrid Aggressive Plan - Direct Plan - GrowthICICI Prudential · Solution Oriented₹29.99#21Y+1.70%3Y+16.11%5Y+13.96%10Y—
- Aditya Birla Sun Life Retirement Fund-The 30s Plan - Direct Plan - GROWTHAditya Birla Sun Life · Solution Oriented₹24.60#31Y+10.51%3Y+15.16%5Y+11.38%10Y—
- HDFC Retirement Fund - Equity Plan - Direct Plan - Growth OptionHDFC · Solution Oriented₹53.07#41Y-8.23%3Y+8.03%5Y+10.52%10Y+14.69%
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthSBI · Solution Oriented₹19.97#51Y-1.11%3Y+8.01%5Y+9.53%10Y—
- SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthSBI · Solution Oriented₹20.62#61Y-3.72%3Y+6.98%5Y+9.45%10Y—
- Tata Retirement Savings Fund-Moderate Plan - Direct Plan - Growth OptionTata · Solution Oriented₹78.49#71Y+1.70%3Y+10.82%5Y+9.13%10Y+12.35%
- Tata Retirement Savings Fund-Progressive Plan - Direct Plan - Growth OptionTata · Solution Oriented₹80.75#81Y+1.64%3Y+11.32%5Y+9.12%10Y+13.25%
- Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - Growth OptionNippon India · Solution Oriented₹30.69#91Y-6.25%3Y+8.71%5Y+9.04%10Y+10.79%
- ICICI Prudential Retirement Fund Hybrid Conservative Plan - Direct Plan - GrowthICICI Prudential · Solution Oriented₹19.79#101Y+2.80%3Y+9.12%5Y+8.30%10Y—
- HDFC Retirement Fund - Hybrid-Equity Plan - Direct Plan - Growth OptionHDFC · Solution Oriented₹40.91#111Y-7.58%3Y+6.45%5Y+8.22%10Y+12.09%
- Aditya Birla Sun Life Retirement Fund-The 40s Plan - Direct Plan - GROWTHAditya Birla Sun Life · Solution Oriented₹20.63#121Y-2.03%3Y+9.58%5Y+8.11%10Y—
- UTI Retirement Fund - Direct Plan - GrowthUTI · Solution Oriented₹53.25#131Y-1.29%3Y+7.84%5Y+7.98%10Y+8.73%
- SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthSBI · Solution Oriented₹16.02#141Y-0.53%3Y+6.28%5Y+7.09%10Y—
- Axis Retirement Fund - Dynamic Plan - Direct Plan - Growth OptionAxis · Solution Oriented₹20.83#151Y-4.14%3Y+10.38%5Y+6.94%10Y—
- HDFC Retirement Fund - Hybrid-Debt Plan - Direct Plan - Growth OptionHDFC · Solution Oriented₹24.39#161Y-0.79%3Y+6.31%5Y+6.72%10Y+7.91%
- Aditya Birla Sun Life Retirement Fund-The 50s Plan - Direct Plan - GROWTHAditya Birla Sun Life · Solution Oriented₹16.48#171Y+2.22%3Y+7.48%5Y+6.70%10Y—
- SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthSBI · Solution Oriented₹14.86#181Y+0.67%3Y+6.27%5Y+6.63%10Y—
- Franklin India Retirement Fund - Direct Plan - GrowthFranklin Templeton · Solution Oriented₹236.28#191Y-2.35%3Y+6.93%5Y+6.58%10Y+7.58%
- Tata Retirement Savings Fund-Conservative Plan - Direct Plan - Growth OptionTata · Solution Oriented₹38.15#201Y+1.97%3Y+7.16%5Y+6.16%10Y+7.97%
- ICICI Prudential Retirement Fund Pure Debt Plan - Direct Plan - GrowthICICI Prudential · Solution Oriented₹17.11#211Y+3.13%3Y+6.40%5Y+5.82%10Y—
- Axis Retirement Fund - Aggressive Plan - Direct Plan - Growth OptionAxis · Solution Oriented₹19.45#221Y-4.28%3Y+9.49%5Y+5.80%10Y—
- Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - Growth OptionNippon India · Solution Oriented₹22.69#231Y-2.25%3Y+6.03%5Y+5.75%10Y+6.80%
- Axis Retirement Fund - Conservative Plan - Direct Plan - Growth OptionAxis · Solution Oriented₹16.93#241Y-3.45%3Y+6.45%5Y+5.33%10Y—
- Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct Plan - GROWTHAditya Birla Sun Life · Solution Oriented₹14.88#251Y+2.78%3Y+5.75%5Y+4.95%10Y—
- Union Retirement Fund - Direct Plan - Growth OptionUnion · Solution Oriented₹16.66#261Y+0.66%3Y+11.50%5Y—10Y—
- BANDHAN RETIREMENT FUND - Direct Plan - GrowthBandhan · Solution Oriented₹12.63#271Y-3.70%3Y+8.10%5Y—10Y—
- PGIM India Retirement Fund - Direct Plan - Direct GrowthPGIM India · Solution Oriented₹12.20#281Y-1.53%3Y—5Y—10Y—
- Baroda BNP Paribas Retirement Fund - Direct Plan - Growth OptionBaroda BNP Paribas · Solution Oriented₹11.60#291Y+0.13%3Y—5Y—10Y—
Retirement Fund funds — frequently asked questions
Which Retirement Fund fund has the highest 5-year CAGR?
ICICI Prudential Retirement Fund Pure Equity Plan - Direct Plan - Growth currently leads the Retirement Fund category with a 5-year CAGR of 17.6%. Past returns describe what already happened and do not predict future performance — treat the ranking as a starting point for research, not a recommendation.
What is a good 5-year return for a Retirement Fund fund?
Across the 29 Retirement Fund schemes we track, the median 5-year CAGR is 8.0%. Comparing a fund against that median, rather than against the category's single best performer, is a more realistic benchmark.
How is CAGR calculated on this page?
CAGR is the compound annual growth rate between the NAV on the horizon start date and the latest NAV, using growth-plan NAVs published by the AMCs. Where a scheme's NAV history has a gap or a re-denomination, we adjust for it rather than report a distorted figure. Expense ratios are already reflected in NAV; exit loads and taxes are not.
Why does this list only show direct plans?
Direct plans have no distributor commission, so their expense ratio is lower and their NAV growth is higher than the regular plan of the same scheme. Showing both would list every fund twice, so we rank direct plans only.