This fund category is an example of Solution Oriented Schemes – Funds for Retirement and Children.
Solution-oriented schemes are designed to meet specific financial goals such as retirement planning and children’s education. These funds typically have lock-in periods to encourage long-term investing discipline. Asset allocation is managed to align with the investor’s life stage or goal horizon. Suitable for investors with defined objectives and a long-term investment commitment.
Trailing returns for Solution: Child funds
These are average returns over the indicated period.
Monthly trailing returns:
Returns
Oct-2025
Sep-2025
Aug-2025
Jul-2025
Value
3.43%
1.1%
-1.77%
-1.0%
Quarterly trailing returns:
Returns
2025Q3
2025Q2
2025Q1
2024Q4
Value
-1.67%
9.09%
-5.4%
-3.72%
Yearly trailing returns:
Returns
2024
2023
2022
2021
Value
19.37%
22.27%
-0.43%
31.82%
Fundwise SIP and SWP returns
Rolling SIP returns
Fund
Any 1Y SIP
Any 3Y SIP
Any 5Y SIP
Tata Childrens Fund
12.41%
13.6%
14.26%
SBI Magnum Childrens Benefit Savings Fund
13.41%
13.09%
12.05%
LIC MF Childrens Fund
11.17%
10.66%
10.15%
UTI Childrens Equity Fund
13.31%
14.97%
15.4%
Axis Childrens Lock In Fund
11.78%
11.42%
12.71%
Axis Childrens No Lock In Fund
12.0%
11.61%
12.92%
Aditya Birla Sun Life Bal Bhavishya Yojna Fund
13.5%
13.67%
15.28%
SBI Magnum Childrens Benefit Investment Fund
25.88%
26.43%
26.27%
Union Childrens Fund
8.7%
0%
0%
Baroda BNP Paribas Childrens Fund
0%
0%
0%
SIP Calculator
Rolling SWP returns
Fund
Any 1Y SWP
Any 3Y SWP
Any 5Y SWP
Tata Childrens Fund
11.82%
12.5%
10.61%
SBI Magnum Childrens Benefit Savings Fund
13.82%
12.99%
12.77%
LIC MF Childrens Fund
9.83%
9.54%
8.96%
UTI Childrens Equity Fund
13.03%
13.68%
13.23%
Axis Childrens Lock In Fund
11.75%
11.6%
12.2%
Axis Childrens No Lock In Fund
12.05%
11.8%
12.37%
Aditya Birla Sun Life Bal Bhavishya Yojna Fund
10.36%
11.25%
13.82%
SBI Magnum Childrens Benefit Investment Fund
31.24%
24.57%
54.7%
Union Childrens Fund
12.34%
0%
0%
Baroda BNP Paribas Childrens Fund
0%
0%
0%
SIP and SWP returns with step-up
Rolling SIP returns with 10% step-up
Fund
Any 1Y SIP
Any 3Y Step-up SIP
Any 5Y Step-up SIP
Tata Childrens Fund
12.41%
13.56%
14.46%
SBI Magnum Childrens Benefit Savings Fund
13.41%
13.11%
12.09%
LIC MF Childrens Fund
11.17%
10.61%
10.21%
UTI Childrens Equity Fund
13.31%
14.96%
15.44%
Axis Childrens Lock In Fund
11.78%
11.37%
12.64%
Axis Childrens No Lock In Fund
12.0%
11.56%
12.84%
Aditya Birla Sun Life Bal Bhavishya Yojna Fund
13.5%
13.67%
15.34%
SBI Magnum Childrens Benefit Investment Fund
25.88%
26.45%
26.04%
Union Childrens Fund
8.7%
0%
0%
Baroda BNP Paribas Childrens Fund
0%
0%
0%
Rolling SWP returns with 10% step-up
Fund
Any 1Y SWP
Any 3Y Step-up SWP
Any 5Y Step-up SWP
Tata Childrens Fund
11.82%
12.62%
10.26%
SBI Magnum Childrens Benefit Savings Fund
13.82%
13.05%
12.78%
LIC MF Childrens Fund
9.83%
9.58%
8.83%
UTI Childrens Equity Fund
13.03%
13.71%
13.23%
Axis Childrens Lock In Fund
11.75%
11.52%
12.29%
Axis Childrens No Lock In Fund
12.05%
11.73%
12.45%
Aditya Birla Sun Life Bal Bhavishya Yojna Fund
10.36%
11.44%
13.94%
SBI Magnum Childrens Benefit Investment Fund
31.24%
24.84%
52.26%
Union Childrens Fund
12.34%
0%
0%
Baroda BNP Paribas Childrens Fund
0%
0%
0%
Note:N.A. in returns indicate that the fund does not have sufficient history.
How are Solution: Child funds taxed on selling?
Solution Funds Tax for FY2025-26
STCG Rate
LTCG Eligibility
LTCG Rate
Bought Anytime
Slab
Always STCG
Slab
Note:
Dividends from mutual funds (called IDCW or Income Distribution cum Capital Withdrawal funds), are added to the income of the investor and taxed at their highest applicable (slab) rate.
Cess and surcharge (if applicable) is to be applied to taxes from mutual funds from selling and dividends.
Switches, SWP and selling any lump sum amount are taxable as per the table above.
Disclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
