Retirement Funds Mutual Funds

Find here some best Retirement Funds fund to invest

Annual Returns 6.58%
Average Risk Medium
Total Funds 27

What is Retirement Funds Mutual Fund?

Retirement Mutual Funds are the open-ended schemes that are retirement solution oriented and have a lock-in period of five years or till one reaches the age of retirement, whichever is earlier. People looking for retirement saving options to invest in, may add these funds to their portfolio. The risk involved in these schemes may vary from low to high depending upon the scheme and the time left in retirement. You may select the right scheme for your portfolio considering your investment needs.

Top Performing Retirement Funds in India for High Returns

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NAV Details

Data in this table : Get historical returns. If 1Y column is 10% that means, fund has given 10% returns in last 1 year.

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Fund Name	AUM (Cr.)	Fund Age	1W	1M	3M	6M	YTD	1Y	2Y	3Y	5Y	10Y
NIFTY 500			-1.70%	-2.99%	0.33%	-6.10%	-7.36%	-5.24%	2.33%	11.55%	10.26%	12.45%
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	433.33	7 years	0.24%	3.13%	10.82%	3.34%	2.48%	7.96%	8.12%	16.24%	10.7%	-	Invest
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option	1156.55	7 years	0.33%	1.87%	5.21%	1.6%	-0.51%	7.36%	6.53%	19.06%	15.3%	-	Invest
ICICI Prudential Retirement Fund - Pure Equity - Growth Option	1868.90	7 years	0.44%	0.77%	4.72%	0.74%	-0.64%	6.52%	7.38%	21.65%	20.46%	-	Invest
ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option	89.95	7 years	0.47%	1%	1.38%	1.3%	0.12%	5.2%	6.13%	9.93%	7.81%	-	Invest
ICICI Prudential Retirement Fund - Pure Debt - Growth Option	82.21	7 years	0.33%	0.87%	0.85%	1.7%	1.3%	3.12%	5.6%	5.85%	4.92%	-	Invest
Union Retirement Fund Regular Growth	195.84	3 years	0.57%	1.22%	3.87%	-1.31%	-2.1%	2.86%	4.2%	14.45%	-	-	Invest
UTI Retirement Fund (G)	3,622 (As on Oct 31, 2021)	31 years	-0.57%	2.97%	-0.77%	-1.21%	-2.35%	2.35%	6.38%	10.61%	10.36%	9.2%	Invest
Baroda BNP Paribas Retirement Fund - Reg (G)	385.27	2 years	0.57%	1.43%	3.5%	-2.91%	-3.46%	1.81%	4.45%	-	-	-	Invest
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option	164.26	14 years	0.25%	1.15%	2.71%	0.75%	0.65%	1.59%	4.12%	7.28%	5.86%	7.48%	Invest
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth	147.71	5 years	0.61%	1.23%	1.18%	-0.08%	-0.62%	0.27%	4.06%	6.37%	6.63%	-	Invest
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	1581.78	5 years	0.75%	1.65%	3.1%	-3.83%	-3.61%	0.23%	1.63%	9.53%	11.3%	-	Invest
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth	112.93	7 years	0.55%	1.13%	2.03%	-2.52%	-2.76%	0.22%	4.64%	11.96%	8.11%	-	Invest
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option	152.59	10 years	0.53%	0.71%	-0.16%	-1.62%	-1.85%	0.05%	3.55%	6.38%	6.23%	7.42%	Invest
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option	2113.71	14 years	-0.16%	1.38%	7.46%	-0.01%	-0.02%	-0.02%	4.35%	12.54%	10.12%	11.99%	Invest
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth	255.28	5 years	0.71%	1.27%	1.8%	-1.44%	-1.81%	-0.55%	2.75%	7.06%	7.86%	-	Invest
Bandhan Retirement Fund - Regular (G)	182.68	2 years	0.5%	1.41%	1.47%	-3.84%	-4.3%	-0.78%	2.29%	-	-	-	Invest
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	2086.41	14 years	-0.3%	1.67%	8.91%	0.17%	0.32%	-0.98%	3.34%	13.61%	10.42%	12.96%	Invest
Axis Retirement Fund - Conservative Plan - Regular Growth	47.59	6 years	0.65%	1.07%	-0.8%	-3.15%	-3.58%	-1.21%	2.4%	7.31%	5.46%	-	Invest
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option	141.12	11 years	0.53%	1.22%	0.02%	-1.28%	-1.63%	-1.44%	3.09%	5.81%	5.46%	6.61%	Invest
PGIM India Retirement Fund - Regular (G)	97.14	2 years	1.04%	2.01%	6.56%	-1.76%	-1.43%	-1.76%	4.47%	-	-	-	Invest

Fund Name	AUM (Cr.)	Risk	1W	1M	3M	6M	YTD	1Y	2Y	3Y	5Y	10Y

Fund Name	Jun-2026	May-2026	Apr-2026	Mar-2026	Feb-2026	Jan-2026	Dec-2025	Nov-2025	Oct-2025	Sep-2025	Aug-2025	Jul-2025

Fund Name	2026-Q2	2026-Q1	2025-Q4	2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3

Fund Name	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014

Fund Name	AUM (Cr.)	Risk	1W	1M	3M	6M	YTD	1Y	2Y	3Y	5Y	10Y

Fund Name	AUM (Cr.)	Initial NAV	Final NAV	NAV Change	Absolute Ret.	Annalized Ret.

Fund Name	AUM (Cr.)	Risk	6M	1Y	2Y	3Y	5Y	10Y	From Launch
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	433.33	Very High	5.19%	11.51%	9.71%	11.57%	12.67%	-	12.65%	Invest
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option	1156.55	Very High	1.61%	5.43%	7.88%	11.78%	15.12%	-	16.01%	Invest
ICICI Prudential Retirement Fund - Pure Equity - Growth Option	1868.90	Moderate	0.83%	3.76%	8.09%	12.93%	17.67%	-	20.06%	Invest
ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option	89.95	Moderately High	0.11%	2.62%	5.2%	6.87%	8.2%	-	8.26%	Invest
ICICI Prudential Retirement Fund - Pure Debt - Growth Option	82.21	Moderate	0.83%	2.81%	4.12%	5.05%	5.33%	-	5.38%	Invest
Union Retirement Fund Regular Growth	195.84		-0.16%	0.1%	2.92%	6.79%	-	-	9.97%	Invest
UTI Retirement Fund (G)	3,622 (As on Oct 31, 2021)	Moderate	-3.04%	-5.4%	-0.6%	3.54%	7.1%	8.61%	5.18%	Invest
Baroda BNP Paribas Retirement Fund - Reg (G)	385.27	Very High	-0.48%	-1.22%	1.99%	-	-	-	2.26%	Invest
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option	164.26	Moderately High	1.48%	2.45%	3.04%	4.8%	6.04%	6.67%	7.56%	Invest
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth	147.71	Moderately High	-0.01%	-0.47%	1.75%	3.87%	5.82%	-	5.95%	Invest
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	1581.78	Very High	-1.02%	-2.85%	0.41%	3.88%	8.17%	-	8.75%	Invest
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth	112.93	Very High	-0.85%	-2.41%	1.7%	5.63%	8.46%	-	9.33%	Invest
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option	152.59	Moderately High	-1.16%	-2.36%	0.83%	3.33%	5.52%	6.69%	6.75%	Invest
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option	2113.71	Very High	3.58%	4.26%	3.4%	6.93%	9.98%	11.15%	12.66%	Invest
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth	255.28	High	-0.49%	-1.93%	0.61%	3.31%	6.19%	-	6.47%	Invest
Bandhan Retirement Fund - Regular (G)	182.68	High	-1.46%	-4.05%	-0.03%	-	-	-	2.31%	Invest
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	2086.41	Very High	4.44%	5.1%	3.02%	6.93%	10.43%	11.82%	13.08%	Invest
Axis Retirement Fund - Conservative Plan - Regular Growth	47.59	High	-1.86%	-4.37%	-0.71%	2.68%	4.95%	-	5.81%	Invest
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option	141.12	Moderately High	-0.6%	-2.63%	-0.03%	2.84%	5.04%	5.9%	6.06%	Invest
PGIM India Retirement Fund - Regular (G)	97.14	Very High	1.63%	-2.43%	0.58%	-	-	-	1.38%	Invest

Fund Name	Risk	Standard Deviation	Alpha	Beta	Sharpe Ratio
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Very High	15.95%	2.61%	0.99%	0.66%	Invest
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option	Very High	13.92%	7.45%	1.30%	0.95%	Invest
ICICI Prudential Retirement Fund - Pure Equity - Growth Option	Moderate	16.54%	7.92%	1.03%	0.98%	Invest
ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option	Moderately High	4.52%	6.86%	-	0.78%	Invest
ICICI Prudential Retirement Fund - Pure Debt - Growth Option	Moderate	1.38%	0.98%	0.03%	-	Invest
Union Retirement Fund Regular Growth		14.25%	1.96%	0.91%	0.62%	Invest
UTI Retirement Fund (G)	Moderate	5.28%	6.97%	-	1.19%	Invest
Baroda BNP Paribas Retirement Fund - Reg (G)	Very High	-	-	-	-	Invest
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option	Moderately High	5.38%	3.6%	-	0.17%	Invest
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth	Moderately High	4.62%	-	1.27%	-	Invest
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	Very High	12.02%	-	1.15%	0.32%	Invest
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth	Very High	11.72%	1.32%	1.10%	0.52%	Invest
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option	Moderately High	4.29%	3.42%	-	-	Invest
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option	Very High	13.89%	10.14%	-	0.52%	Invest
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth	High	6.86%	4.27%	-	0.11%	Invest
Bandhan Retirement Fund - Regular (G)	High	-	-	-	-	Invest
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Very High	16.34%	0.72%	1.00%	0.53%	Invest
Axis Retirement Fund - Conservative Plan - Regular Growth	High	6.79%	5.01%	-	0.14%	Invest
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option	Moderately High	5.03%	-	1.37%	-	Invest
PGIM India Retirement Fund - Regular (G)	Very High	-	-	-	-	Invest

Fund Name	Min SIP	Min Lumpsum	Expense Ratio	Fund Manager	Launch Date
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	₹1000	₹1000	2.1%	Dhaval Shah	11-Mar 2019	Invest
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option	₹500	₹5000	1.88%	Lalit Kumar	27-Feb 2019	Invest
ICICI Prudential Retirement Fund - Pure Equity - Growth Option	₹500	₹5000	1.77%	Lalit Kumar	27-Feb 2019	Invest
ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option	₹500	₹5000	1.84%	Lalit Kumar	27-Feb 2019	Invest
ICICI Prudential Retirement Fund - Pure Debt - Growth Option	₹500	₹5000	1.84%	Sharmila D'mello	27-Feb 2019	Invest
Union Retirement Fund Regular Growth	₹1000	₹1000	2.1%	-	29-Sep 2022	Invest
UTI Retirement Fund (G)	₹500	₹500	1.69% (As on Oct 2021)%	Amandeep Singh Chopra	26-Dec 1994	Invest
Baroda BNP Paribas Retirement Fund - Reg (G)	₹250	₹1000	2.1%	Mayank Prakash	31-May 2024	Invest
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option	₹500	₹5000	1.84%	Murthy Nagarajan	01-Nov 2011	Invest
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth	₹500	₹5000	1.44%	Ardhendu Bhattacharya	10-Feb 2021	Invest
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	₹500	₹5000	2.07%	Ardhendu Bhattacharya	10-Feb 2021	Invest
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth	₹1000	₹1000	2.09%	Dhaval Shah	11-Mar 2019	Invest
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option	₹100	₹100	2.14%	Shobhit Mehrotra	26-Feb 2016	Invest
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option	₹150	₹5000	1.75%	Murthy Nagarajan	01-Nov 2011	Invest
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth	₹500	₹5000	1.71%	Ardhendu Bhattacharya	10-Feb 2021	Invest
Bandhan Retirement Fund - Regular (G)	₹100	₹1000	2.1%	Gautam Kaul	12-Oct 2023	Invest
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	₹150	₹5000	1.75%	Murthy Nagarajan	01-Nov 2011	Invest
Axis Retirement Fund - Conservative Plan - Regular Growth	₹1000	₹5000	2.15%	Devang Shah	20-Dec 2019	Invest
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option	₹500	₹500	1.79%	Pranay Sinha	11-Feb 2015	Invest
PGIM India Retirement Fund - Regular (G)	₹1000	₹5000	2.47%	Puneet Pal	09-Apr 2024	Invest

Fund Name	Current NAV	Previous NAV	1D NAV Change	52- Week High NAV	52- Week Low NAV
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	21.328 (12-06-2026)	20.932 (11-06-2026)	1.89%	21.328	18.158	Invest
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option	27.27 (12-06-2026)	26.78 (11-06-2026)	1.83%	27.67	24.66	Invest
ICICI Prudential Retirement Fund - Pure Equity - Growth Option	33.97 (12-06-2026)	33.25 (11-06-2026)	2.17%	34.85	30.59	Invest
ICICI Prudential Retirement Fund - Hybrid Conservative - Growth Option	17.9933 (12-06-2026)	17.9199 (11-06-2026)	0.41%	18.0987	17.0582	Invest
ICICI Prudential Retirement Fund - Pure Debt - Growth Option	15.5237 (12-06-2026)	15.5132 (11-06-2026)	0.07%	15.5263	15.0553	Invest
Union Retirement Fund Regular Growth	15.82 (12-06-2026)	15.50 (11-06-2026)	2.06%	16.35	14.34	Invest
UTI Retirement Fund (G)	49.7729 (27-04-2026)	49.5343 (24-04-2026)	0.48%	51.1268	47.8599	Invest
Baroda BNP Paribas Retirement Fund - Reg (G)	11.1911 (12-06-2026)	10.9974 (11-06-2026)	1.76%	11.6465	10.3342	Invest
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option	32.1723 (12-06-2026)	31.9561 (11-06-2026)	0.68%	32.2145	30.5359	Invest
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth	14.3429 (12-06-2026)	14.2622 (11-06-2026)	0.57%	14.4575	13.7994	Invest
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	18.7418 (12-06-2026)	18.3943 (11-06-2026)	1.89%	19.5964	17.1947	Invest
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth	18.729 (12-06-2026)	18.483 (11-06-2026)	1.33%	19.57	17.482	Invest
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option	21.5578 (12-06-2026)	21.4527 (11-06-2026)	0.49%	22.002	21.0854	Invest
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option	64.7983 (12-06-2026)	63.7021 (11-06-2026)	1.72%	66.2813	57.2516	Invest
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth	15.4571 (12-06-2026)	15.3137 (11-06-2026)	0.94%	15.7912	14.6889	Invest
Bandhan Retirement Fund - Regular (G)	12.356 (12-06-2026)	12.188 (11-06-2026)	1.38%	12.984	11.671	Invest
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	65.4787 (12-06-2026)	64.1966 (11-06-2026)	2%	67.7011	56.7181	Invest
Axis Retirement Fund - Conservative Plan - Regular Growth	15.7047 (12-06-2026)	15.6067 (11-06-2026)	0.63%	16.3278	15.2857	Invest
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option	19.9561 (12-06-2026)	19.8465 (11-06-2026)	0.55%	20.4154	19.315	Invest
PGIM India Retirement Fund - Regular (G)	11.7 (12-06-2026)	11.48 (11-06-2026)	1.92%	12.35	10.37	Invest

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Invested Amount ₹43,855
Interest Earned ₹6,145

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Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 3Y Returns 13.61% VS

Axis Retirement Fund - Dynamic Plan - Regular Growth 3Y Returns 10.57%

HDFC Retirement Savings Fund - Equity Plan - Growth Option 3Y Returns 11.17% VS

ICICI Prudential Retirement Fund - Pure Equity - Growth Option 3Y Returns 21.65%

Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 3Y Returns 13.23% VS

HDFC Retirement Savings Fund - Equity Plan - Growth Option 3Y Returns 11.17%

PGIM India Retirement Fund - Regular (G) 3Y Returns 0% VS

UTI QUARTERLY INTERVAL FUND II REGULAR PLAN GROWTH 3Y Returns 6.03%

Frequently Asked Questions

Who should invest in Retirement Funds Mutual Funds?

Retirement Funds funds are suitable for the investors who can digest high risk in search for higher returns. Moreover, these funds are not suitable for the investors who are stepping in the finance market with a short term investment perspective as they might end up delivering negative returns.

What is the minimum investment required for investing in Retirement Funds funds?

The minimum investment depends from one scheme to another. In general, for lumpsum investment the minimum investment can range from Rs. 500 to Rs. 5000. Whereas, in case of SIP, the range may vary between Rs. 500 to Rs. 1000. For authentic information, never forget to check the scheme related documents.

What is the investment philosophy followed by Retirement Funds companies?

The fund manager of Retirement Funds fund targets the best small sized companies having the potential to generate excellent gains in the future. Such companies do not have much resources as the large cap or mid cap companies but have high potential to outperform many big companies.

Why to invest in Retirement Funds funds?

Retirement Funds funds have more tendency of providing exceptional returns than the other categories of funds. Moreover, they can also be a suitable option for providing diversification to your portfolio.

How risky are Retirement Funds funds?

Retirement Funds funds are one of the riskiest mutual funds. But at the same time rewards are also high. Therefore, an investor who is willing to expose his corpus towards risk for fetching higher returns should invest in Retirement Funds funds.

Are Retirement Funds Funds for long term investment?

Yes, Retirement Funds funds are a suitable choice for generating long term capital appreciation. Moreover, in short term these funds can cause double digit losses to the investors. Thus, always maintain a long term investment perspective while investing in Retirement Funds mutual funds.

What is the benchmark of Retirement Funds Fund?

Benchmark is a standard with which a mutual fund competes in terms of growth & performance. Different Retirement Funds funds have different benchmark. Thus, read the mutual fund document carefully to know the benchmark.

What are the taxes applied on Retirement Funds Mutual Funds?

Retirement Funds funds are eligible for two types of taxes- STCG (Short Term Capital Gain) and LTCG (Long Term Capital Gain). STCG is the capital gain generated on the units which are hold for up to 1 year. The STCG tax imposed by the Government of India is 15%. LTCG is the profit generated on the units which are hold for more than one years. The LTCG levied is 10% for the profit above Rs. 1 Lakh.