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: Retirement funds
These are average returns over the indicated period.
Monthly trailing returns:
Returns
Oct-2025
Sep-2025
Aug-2025
Jul-2025
Value
2.55%
1.03%
-1.3%
-1.25%
Quarterly trailing returns:
Returns
2025Q3
2025Q2
2025Q1
2024Q4
Value
-1.54%
7.81%
-2.72%
-2.87%
Yearly trailing returns:
Returns
2024
2023
2022
2021
Value
15.82%
21.36%
2.72%
18.4%
Fundwise SIP and SWP returns
Rolling SIP returns
Fund
Any 1Y SIP
Any 3Y SIP
Any 5Y SIP
Franklin India Retirement Fund
9.87%
10.24%
9.01%
Tata Retirement Savings Progressive Fund
17.39%
16.53%
14.9%
Tata Retirement Savings Moderate Fund
15.87%
16.02%
14.15%
Tata Retirement Savings Conservative Fund
10.69%
9.61%
9.12%
Nippon India Retirement Wealth Creation Scheme Fund
10.66%
15.96%
13.64%
Nippon India Retirement Income Generation Scheme Fund
8.99%
8.18%
8.49%
Nippon India Retirement Income Generation Scheme Bonus Fund
8.99%
8.18%
8.49%
Nippon India Retirement Wealth Creation Scheme Bonus Fund
10.66%
15.96%
13.64%
HDFC Retirement Savings Equity Fund
16.36%
23.37%
22.24%
HDFC Retirement Savings Hybrid Equity Fund
13.04%
16.87%
17.07%
HDFC Retirement Savings Hybrid Debt Fund
9.27%
9.2%
9.54%
ICICI Prudential Retirement Pure Equity Fund
23.8%
25.96%
28.04%
Aditya Birla Sun Life Retirement The 30s Fund
14.8%
13.86%
15.91%
ICICI Prudential Retirement Hybrid Conservative Fund
11.27%
10.66%
10.99%
ICICI Prudential Retirement Hybrid Aggressive Fund
18.28%
19.52%
21.89%
ICICI Prudential Retirement Pure Debt Fund
7.15%
6.17%
6.8%
Aditya Birla Sun Life Retirement The 40s Fund
12.97%
12.86%
14.34%
Aditya Birla Sun Life Retirement The 50s Fund
7.94%
8.11%
8.42%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund
6.25%
5.07%
5.68%
Axis Retirement Aggressive Fund
14.44%
14.55%
13.63%
Axis Retirement Dynamic Fund
15.16%
15.48%
14.73%
Axis Retirement Conservative Fund
10.9%
10.5%
10.04%
SBI Retirement Benefit Aggressive Fund
16.18%
17.21%
0%
SBI Retirement Benefit Aggressive Hybrid Fund
14.52%
15.65%
0%
SBI Retirement Benefit Conservative Fund
8.72%
9.97%
0%
SBI Retirement Benefit Conservative Hybrid Fund
9.5%
11.68%
0%
Union Retirement Fund
21.93%
16.97%
0%
Bandhan Retirement Fund
8.22%
0%
0%
PGIM India Retirement Fund
11.91%
0%
0%
Baroda BNP Paribas Retirement Fund
9.52%
0%
0%
SIP Calculator
Rolling SWP returns
Fund
Any 1Y SWP
Any 3Y SWP
Any 5Y SWP
Franklin India Retirement Fund
9.02%
8.89%
8.73%
Tata Retirement Savings Progressive Fund
16.25%
15.65%
15.07%
Tata Retirement Savings Moderate Fund
15.1%
14.46%
13.88%
Tata Retirement Savings Conservative Fund
9.86%
9.81%
9.52%
Nippon India Retirement Wealth Creation Scheme Fund
11.57%
10.84%
7.89%
Nippon India Retirement Income Generation Scheme Fund
8.56%
8.05%
8.22%
Nippon India Retirement Income Generation Scheme Bonus Fund
8.56%
8.05%
8.22%
Nippon India Retirement Wealth Creation Scheme Bonus Fund
11.57%
10.84%
7.89%
HDFC Retirement Savings Equity Fund
18.13%
17.4%
15.36%
HDFC Retirement Savings Hybrid Equity Fund
15.22%
14.16%
13.43%
HDFC Retirement Savings Hybrid Debt Fund
10.08%
8.85%
9.0%
ICICI Prudential Retirement Pure Equity Fund
19.34%
23.44%
20.06%
Aditya Birla Sun Life Retirement The 30s Fund
10.46%
11.49%
14.39%
ICICI Prudential Retirement Hybrid Conservative Fund
8.62%
9.47%
9.77%
ICICI Prudential Retirement Hybrid Aggressive Fund
15.29%
15.57%
16.23%
ICICI Prudential Retirement Pure Debt Fund
7.35%
6.44%
7.54%
Aditya Birla Sun Life Retirement The 40s Fund
9.82%
10.79%
12.94%
Aditya Birla Sun Life Retirement The 50s Fund
7.89%
5.7%
6.13%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund
6.4%
4.55%
5.09%
Axis Retirement Aggressive Fund
17.62%
11.12%
18.16%
Axis Retirement Dynamic Fund
19.67%
12.81%
19.16%
Axis Retirement Conservative Fund
11.06%
9.31%
11.84%
SBI Retirement Benefit Aggressive Fund
19.77%
17.88%
0%
SBI Retirement Benefit Aggressive Hybrid Fund
18.05%
16.04%
0%
SBI Retirement Benefit Conservative Fund
9.58%
8.33%
0%
SBI Retirement Benefit Conservative Hybrid Fund
11.68%
10.9%
0%
Union Retirement Fund
23.49%
21.04%
0%
Bandhan Retirement Fund
12.12%
0%
0%
PGIM India Retirement Fund
4.39%
0%
0%
Baroda BNP Paribas Retirement Fund
3.18%
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
Franklin India Retirement Fund
9.87%
10.24%
9.08%
Tata Retirement Savings Progressive Fund
17.39%
16.48%
14.84%
Tata Retirement Savings Moderate Fund
15.87%
16.04%
14.0%
Tata Retirement Savings Conservative Fund
10.69%
9.54%
9.1%
Nippon India Retirement Wealth Creation Scheme Fund
10.66%
15.79%
14.13%
Nippon India Retirement Income Generation Scheme Fund
8.99%
8.24%
8.52%
Nippon India Retirement Income Generation Scheme Bonus Fund
8.99%
8.24%
8.52%
Nippon India Retirement Wealth Creation Scheme Bonus Fund
10.66%
15.79%
14.13%
HDFC Retirement Savings Equity Fund
16.36%
23.41%
22.38%
HDFC Retirement Savings Hybrid Equity Fund
13.04%
16.79%
17.09%
HDFC Retirement Savings Hybrid Debt Fund
9.27%
9.19%
9.59%
ICICI Prudential Retirement Pure Equity Fund
23.8%
25.74%
28.13%
Aditya Birla Sun Life Retirement The 30s Fund
14.8%
13.88%
16.04%
ICICI Prudential Retirement Hybrid Conservative Fund
11.27%
10.71%
11.09%
ICICI Prudential Retirement Hybrid Aggressive Fund
18.28%
19.5%
21.96%
ICICI Prudential Retirement Pure Debt Fund
7.15%
6.22%
6.86%
Aditya Birla Sun Life Retirement The 40s Fund
12.97%
12.92%
14.43%
Aditya Birla Sun Life Retirement The 50s Fund
7.94%
8.25%
8.57%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund
6.25%
5.12%
5.76%
Axis Retirement Aggressive Fund
14.44%
14.51%
13.64%
Axis Retirement Dynamic Fund
15.16%
15.32%
14.71%
Axis Retirement Conservative Fund
10.9%
10.44%
10.02%
SBI Retirement Benefit Aggressive Fund
16.18%
17.02%
0%
SBI Retirement Benefit Aggressive Hybrid Fund
14.52%
15.5%
0%
SBI Retirement Benefit Conservative Fund
8.72%
10.0%
0%
SBI Retirement Benefit Conservative Hybrid Fund
9.5%
11.68%
0%
Union Retirement Fund
21.93%
16.76%
0%
Bandhan Retirement Fund
8.22%
0%
0%
PGIM India Retirement Fund
11.91%
0%
0%
Baroda BNP Paribas Retirement Fund
9.52%
0%
0%
Rolling SWP returns with 10% step-up
Fund
Any 1Y SWP
Any 3Y Step-up SWP
Any 5Y Step-up SWP
Franklin India Retirement Fund
9.02%
8.93%
8.73%
Tata Retirement Savings Progressive Fund
16.25%
15.69%
14.94%
Tata Retirement Savings Moderate Fund
15.1%
14.42%
13.92%
Tata Retirement Savings Conservative Fund
9.86%
9.8%
9.47%
Nippon India Retirement Wealth Creation Scheme Fund
11.57%
10.96%
7.9%
Nippon India Retirement Income Generation Scheme Fund
8.56%
8.04%
8.21%
Nippon India Retirement Income Generation Scheme Bonus Fund
8.56%
8.04%
8.21%
Nippon India Retirement Wealth Creation Scheme Bonus Fund
11.57%
10.96%
7.9%
HDFC Retirement Savings Equity Fund
18.13%
17.6%
15.65%
HDFC Retirement Savings Hybrid Equity Fund
15.22%
14.29%
13.71%
HDFC Retirement Savings Hybrid Debt Fund
10.08%
8.87%
9.04%
ICICI Prudential Retirement Pure Equity Fund
19.34%
23.43%
20.82%
Aditya Birla Sun Life Retirement The 30s Fund
10.46%
11.74%
14.44%
ICICI Prudential Retirement Hybrid Conservative Fund
8.62%
9.49%
9.76%
ICICI Prudential Retirement Hybrid Aggressive Fund
15.29%
15.65%
16.65%
ICICI Prudential Retirement Pure Debt Fund
7.35%
6.47%
7.43%
Aditya Birla Sun Life Retirement The 40s Fund
9.82%
10.94%
12.95%
Aditya Birla Sun Life Retirement The 50s Fund
7.89%
5.78%
6.12%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund
6.4%
4.61%
5.06%
Axis Retirement Aggressive Fund
17.62%
11.27%
17.73%
Axis Retirement Dynamic Fund
19.67%
13.04%
18.78%
Axis Retirement Conservative Fund
11.06%
9.4%
11.67%
SBI Retirement Benefit Aggressive Fund
19.77%
17.95%
0%
SBI Retirement Benefit Aggressive Hybrid Fund
18.05%
16.13%
0%
SBI Retirement Benefit Conservative Fund
9.58%
8.33%
0%
SBI Retirement Benefit Conservative Hybrid Fund
11.68%
11.02%
0%
Union Retirement Fund
23.49%
21.08%
0%
Bandhan Retirement Fund
12.12%
0%
0%
PGIM India Retirement Fund
4.39%
0%
0%
Baroda BNP Paribas Retirement Fund
3.18%
0%
0%
Note:N.A. in returns indicate that the fund does not have sufficient history.
How are Solution: Retirement 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.
