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Friday, 5 Jun 2026 · IST

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ProfitGuruOnline since 2007

SEBI sub-category

Retirement Fund funds

Funds

Direct plans only

Category 1Y avg

+1.20%

Category 5Y CAGR

+10.23%

Direct vs Regular

Direct Regular

5-Year return distribution

How the 30 Retirement Fund funds spread across return buckets. Taller bars = more funds in that band.

Risk vs Return — Retirement Fund

Each dot is a fund. Up-and-left = high return for low risk (the sweet spot). Down-and-right = under-performing with high volatility. Colour = 5-year peer quartile.

Q1 (top 25%) Q2 Q3 Q4 (bottom 25%) 26 funds plotted

All Retirement Fund funds

Sort by: 1Y 3Y 5Y 7Y 10Y

#	Scheme	NAV	1Y	3Y	5Y	7Y	10Y	Peer Q (5Y)	Sharpe	Max DD
1	ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - Growth Option ICICI Prudential	37.84	+10.07%	+23.87%	+22.45%	+19.72%	—	Q1	1.09	-16.9%
2	ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option ICICI Prudential	30.47	+10.72%	+21.20%	+17.09%	+16.16%	—	Q1	1.10	-14.7%
3	HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan HDFC	53.58	-5.22%	+12.23%	+14.36%	+16.59%	+16.27%	Q1	0.49	-16.1%
4	Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option Nippon India	31.37	-0.89%	+14.60%	+13.36%	+11.41%	+11.99%	Q1	0.61	-18.3%
5	Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan-Growth Plan- Bonus Option Nippon India	31.37	-0.89%	+14.60%	+13.36%	+11.41%	+11.99%	Q1	0.61	-18.3%
6	SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth SBI	20.37	-2.10%	+9.87%	+12.90%	—	—	Q1	0.30	-17.9%
7	Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option Tata	81.17	+2.53%	+15.50%	+12.52%	+13.72%	+14.69%	Q2	0.62	-18.8%
8	SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth SBI	19.73	+1.66%	+10.54%	+12.49%	—	—	Q2	0.40	-14.5%
9	Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth Aditya Birla Sun Life	23.70	+10.19%	+17.74%	+12.31%	+12.55%	—	Q2	0.79	-19.0%
10	Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option Tata	78.54	+2.95%	+14.27%	+12.05%	+13.17%	+13.58%	Q2	0.62	-15.1%
11	HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan HDFC	41.42	-4.70%	+9.81%	+10.63%	+12.56%	+13.63%	Q2	0.36	-12.3%
12	Axis Retirement Fund - Dynamic Plan - Direct Growth Axis	20.65	-3.42%	+12.40%	+9.72%	—	—	Q2	0.51	-15.7%
13	Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth Aditya Birla Sun Life	20.70	+1.44%	+13.43%	+9.66%	+10.50%	—	Q2	0.66	-11.1%
14	ICICI Prudential Retirement Fund - Hybrid Conservative - Direct Plan - Growth Option ICICI Prudential	19.69	+6.14%	+11.10%	+8.98%	+9.53%	—	Q3	1.02	-3.4%
15	Axis Retirement Fund - Aggressive Plan - Direct Growth Axis	19.43	-3.38%	+11.93%	+8.73%	—	—	Q3	0.51	-14.0%
16	SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth SBI	15.80	-1.06%	+7.36%	+8.38%	—	—	Q3	0.14	-6.9%
17	Franklin India Retirement Fund - Direct - Growth Franklin India	236.01	-0.79%	+8.78%	+7.57%	+8.27%	+8.33%	Q3	0.39	-5.9%
18	HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan HDFC	24.38	+0.20%	+7.34%	+7.42%	+8.25%	+8.72%	Q3	0.18	-4.0%
19	Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option Tata	37.94	+2.47%	+8.37%	+7.15%	+8.12%	+8.81%	Q3	0.34	-5.1%
20	SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth SBI	14.58	-0.70%	+6.55%	+7.01%	—	—	Q4	0.00	-4.4%
21	Aditya Birla Sun Life Retirement Fund-The 50s Plan-Direct Plan-Growth Aditya Birla Sun Life	16.42	+4.30%	+8.84%	+6.96%	+6.98%	—	Q4	0.54	-3.7%
22	Axis Retirement Fund - Conservative Plan - Direct Growth Axis	17.17	-1.44%	+8.33%	+6.95%	—	—	Q4	0.28	-7.0%
23	Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option Nippon India	22.75	-2.33%	+6.63%	+6.52%	+7.12%	+7.79%	Q4	0.02	-4.9%
24	Nippon India Retirement Fund- Income Generation Scheme- Direct Plan-Growth Plan- Bonus Option Nippon India	22.75	-2.33%	+6.63%	+6.52%	+7.12%	+7.79%	Q4	0.02	-4.9%
25	ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option ICICI Prudential	16.88	+3.03%	+6.62%	+5.90%	+7.18%	—	Q4	-0.04	-1.1%
26	Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth Aditya Birla Sun Life	14.73	+2.78%	+5.72%	+5.09%	+5.39%	—	Q4	-0.65	-1.1%
27	Bandhan Retirement Fund - Direct Plan - Growth Bandhan	12.85	+0.30%	—	—	—	—	—	—	—
28	Baroda BNP Paribas Retirement Fund - Direct plan - Growth option Baroda BNP Paribas	11.50	+2.41%	—	—	—	—	—	—	—
29	PGIM India Retirement Fund - Direct Plan - Growth Option PGIM India	12.00	-0.33%	—	—	—	—	—	—	—
30	Union Retirement Fund - Direct Plan - Growth Option Union	16.56	+4.50%	+15.87%	—	—	—	—	0.71	-17.8%

Direct plans typically outperform Regular plans by around 50 basis points per year because they carry no distributor commission. The "Peer Q (5Y)" column shows the fund's quartile within this category over the 5-year window: Q1 = top 25%.

Frequently asked questions

Generated from this category's live aggregates — average returns, fund counts, quartile spreads. Updated daily.

Retirement Fund is a SEBI-defined mutual-fund category. Each scheme in it must follow the asset-allocation and exposure rules set out in the SEBI October-2017 categorisation circular. Other bucket for tax purposes.

We currently track 30 active Retirement Fund schemes (Direct plan, Growth option). The list updates daily after AMFI publishes new NAVs and SEBI re-classifies schemes. 6 of them sit in the top quartile by 5-year CAGR.

Over the last 5 years, the average Retirement Fund (Direct plan) has returned 10.23% CAGR — that turns ₹1 lakh into roughly ₹162,772. Over the last 12 months the category averaged 1.20%. Top-quartile funds in this category typically beat the average by 3-6 percentage points per year — fund selection within a category matters more than the category choice itself.

Over the trailing 5-year window, the highest-returning Retirement Fund in our database is **ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - Growth Option** (ICICI Prudential) with a CAGR of 22.45%. The category average is 10.23%. Past performance is no guarantee of future returns — top-quartile funds in one window often slip in the next.

The best 1-year return in the Retirement Fund category right now is **ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option** (ICICI Prudential) at 10.72%. 1-year numbers are noisy and shouldn't be the sole basis for picking — cross-check rolling returns and 5-year CAGR before deciding.

Across all Retirement Fund schemes with 5 years of history, the 5-year CAGR ranges from 5.09% (worst) to 22.45% (best), with a median of 9.66%. That spread of about 17 percentage points between top and bottom is a useful gauge of how much fund selection matters in this category.

On ProfitGuruOnline you can browse either Retirement Fund Direct plans (lower expense ratio, no broker commission baked in) or Regular plans (sold through distributors). Use the filter on the category page. Direct typically outperforms Regular by 0.5-1% per year in the same scheme — meaningful over 10+ years.

Tax treatment for Retirement Fund depends on its asset mix — see the AMC's factsheet for the current equity/debt split.

SIP suits hybrid/balanced categories because the in-built equity exposure benefits from rupee-cost averaging. Hybrid funds also rebalance internally so you don't have to manually shift between equity and debt.

Match the horizon to the Other bucket: equity ≥5 years, debt 1-3 years (or per modified duration), hybrid 3-5 years.

Risk profile follows the underlying asset mix — see the AMC's factsheet for current allocation and historical drawdown.

Two or three schemes from different AMCs is usually enough for a single category. Beyond that you'd be re-creating the category average minus your selection cost. Focus on consistency (% of rolling-return windows that ended positive) over chasing top performers — top quartile rarely repeats.

Quarterly is plenty for monitoring NAVs and aggregate gain; annually (or after major regulatory changes like Budget 2024) is the right cadence for re-evaluating against alternatives. Don't churn based on 1-month or even 1-year underperformance — equity funds need 3-5 year horizons to fairly judge.

We rank funds within each category by point-to-point CAGR over the chosen window (1Y, 3Y, 5Y, 7Y, 10Y, since inception), then assign quartile and decile bands so any fund's standing relative to peers is one click away. Numbers are recomputed nightly after AMFI's NAV publish.

Daily NAVs are pulled directly from AMFI's published feed. Category classification uses SEBI's October-2017 mutual-fund categorisation circular. We compute returns, rolling-window stats, SIP backtests, drawdowns and Sharpe ratios in-house — no third-party feeds, no hidden adjustments.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.