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Best Retirement Solution Funds in 2025

What are Solution: Retirement funds?


Funds Included All Fund Returns
(3Y annualised)
Top 5 fund Returns
(3Y annualised)
28 13.58% 19.92%

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:
Nov-2025Oct-2025Sep-2025Aug-2025Jul-2025Jun-2025
0.24%2.55%1.03%-1.30%-1.25%2.27%

Quarterly trailing returns:
2025Q42025Q32025Q22025Q12024Q42024Q3
2.79%-1.54%7.81%-2.72%-2.87%6.09%

Yearly trailing returns:
202520242023202220212020
6.04%15.82%21.36%2.72%18.40%13.23%

Rolling returns for Solution: Retirement funds

SIP
10% Step-up SIP
Lump sum
SWP
10% Step-up SWP
Metric Any 1Y SIPAny 2Y SIPAny 3Y SIPAny 5Y SIPAny 7Y SIPAny 10Y SIP
Minimum-12.02%2.36%6.28%9.64%9.91%10.74%
Median10.81%9.79%11.91%12.44%12.25%11.42%
Maximum33.86%16.52%16.34%15.03%14.22%11.95%
Risk9.15%2.82%2.12%1.21%0.81%0.32%
Sharpe Ratio41.64%99.02%231.0%450.89%646.79%1387.43%
Data as of 14-Dec-2025
Metric Any 1Y SIPAny 2Y 目↑ SIPAny 3Y 目↑ SIPAny 5Y 目↑ SIPAny 7Y 目↑ SIPAny 10Y 目↑ SIP
Minimum-12.02%7.95%11.47%11.97%12.84%11.31%
Median10.81%9.15%12.41%12.59%13.27%11.63%
Maximum33.86%10.1%13.14%13.12%13.63%11.88%
Risk9.15%0.64%0.51%0.35%0.24%0.18%
Sharpe Ratio41.64%335.82%1063.81%1582.46%2586.7%2618.87%
Data as of 14-Dec-2025
Metric Any 1YAny 2YAny 3YAny 5YAny 7YAny 10Y
Minimum-7.89%7.13%8.78%10.03%11.0%11.26%
Median8.38%12.71%12.65%12.7%12.29%11.78%
Maximum32.98%18.77%16.61%15.54%14.08%12.69%
Risk8.74%2.57%1.67%1.17%0.7%0.38%
Sharpe Ratio15.77%222.12%337.65%486.55%757.8%1246.52%
Data as of 14-Dec-2025
Metric Any 1Y SWPAny 2Y SWPAny 3Y SWPAny 5Y SWPAny 7Y SWPAny 10Y SWP
Minimum-8.15%9.48%8.79%10.41%10.14%10.84%
Median6.23%15.05%13.58%13.39%12.24%12.83%
Maximum38.39%25.63%21.17%17.64%16.01%14.83%
Risk10.99%4.1%2.84%1.72%1.44%0.96%
Sharpe Ratio-6.99%196.45%231.48%371.99%364.17%609.23%
Data as of 14-Dec-2025
Metric Any 1Y SWPAny 2Y 目↑ SWPAny 3Y 目↑ SWPAny 5Y 目↑ SWPAny 7Y 目↑ SWPAny 10Y 目↑ SWP
Minimum-8.15%15.4%14.49%13.54%11.9%10.88%
Median6.23%17.52%15.03%14.17%12.1%11.03%
Maximum38.39%19.35%15.71%14.71%12.59%11.54%
Risk10.99%1.48%0.31%0.36%0.2%0.23%
Sharpe Ratio-6.99%712.32%2609.23%2012.06%2549.44%1741.01%
Data as of 14-Dec-2025

Fundwise SIP, Lumpsum and SWP returns


Rolling SIP returns (less than 1 year)
Fund Any 1M SIPAny 3M SIPAny 6M SIP
PGIM India Retirement Fund19.84%10.19%11.67%
ICICI Prudential Retirement Pure Equity Fund1.68%17.98%15.7%
ICICI Prudential Retirement Hybrid Conservative Fund9.92%10.65%9.54%
SBI Retirement Benefit Aggressive Fund3.52%11.0%9.17%
Union Retirement Fund2.19%10.66%10.34%
Aditya Birla Sun Life Retirement The 40s Fund-7.81%7.52%7.83%
SBI Retirement Benefit Conservative Hybrid Fund1.72%5.41%3.33%
Nippon India Retirement Income Generation Scheme Fund1.35%5.14%2.06%
Aditya Birla Sun Life Retirement The 30s Fund4.1%11.58%11.92%
Bandhan Retirement Fund17.84%15.63%13.14%
Tata Retirement Savings Conservative Fund1.76%5.48%3.91%
SBI Retirement Benefit Conservative Fund0.45%4.26%1.73%
Baroda BNP Paribas Retirement Fund19.19%11.76%14.95%
Axis Retirement Aggressive Fund-6.25%7.83%4.98%
Axis Retirement Dynamic Fund-5.86%6.54%5.59%
Aditya Birla Sun Life Retirement The 50s Fund0.98%7.29%7.0%
Franklin India Retirement Fund1.74%6.15%4.85%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund3.69%4.84%3.93%
Tata Retirement Savings Progressive Fund-3.69%3.96%1.75%
HDFC Retirement Savings Hybrid Equity Fund6.69%11.94%7.82%
HDFC Retirement Savings Hybrid Debt Fund6.59%8.47%5.72%
ICICI Prudential Retirement Hybrid Aggressive Fund3.28%13.71%14.18%
Tata Retirement Savings Moderate Fund-3.06%5.85%3.83%
Axis Retirement Conservative Fund12.54%13.95%7.81%
SBI Retirement Benefit Aggressive Hybrid Fund9.11%14.87%12.54%
ICICI Prudential Retirement Pure Debt Fund3.74%4.78%3.82%
Nippon India Retirement Wealth Creation Scheme Fund-12.87%0.25%3.83%
HDFC Retirement Savings Equity Fund4.05%10.77%8.5%
Data as of 14-Dec-2025

Note: Returns for less than one year are annualised. However, given the nature of the calculation, XIRR for such periods are not meaningful.

Rolling SIP returns (1 year or more):

Fund Any 1Y SIPAny 3Y SIPAny 5Y SIP
PGIM India Retirement Fund11.65%0%0%
ICICI Prudential Retirement Pure Equity Fund22.37%25.66%26.2%
ICICI Prudential Retirement Hybrid Conservative Fund11.34%11.69%10.81%
SBI Retirement Benefit Aggressive Fund10.8%12.19%0%
Union Retirement Fund16.2%16.17%0%
Aditya Birla Sun Life Retirement The 40s Fund10.97%14.24%13.6%
SBI Retirement Benefit Conservative Hybrid Fund8.67%8.61%0%
Nippon India Retirement Income Generation Scheme Fund8.69%7.48%8.06%
Aditya Birla Sun Life Retirement The 30s Fund11.72%16.53%14.9%
Bandhan Retirement Fund8.41%0%0%
Tata Retirement Savings Conservative Fund6.44%8.91%8.56%
SBI Retirement Benefit Conservative Fund7.06%9.28%0%
Baroda BNP Paribas Retirement Fund10.32%0%0%
Axis Retirement Aggressive Fund10.86%7.61%12.56%
Axis Retirement Dynamic Fund12.05%14.68%13.47%
Aditya Birla Sun Life Retirement The 50s Fund5.08%4.0%8.62%
Franklin India Retirement Fund9.4%10.21%10.05%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund6.17%5.07%5.7%
Tata Retirement Savings Progressive Fund16.07%15.06%13.71%
HDFC Retirement Savings Hybrid Equity Fund12.57%12.95%14.34%
HDFC Retirement Savings Hybrid Debt Fund7.09%8.95%9.14%
ICICI Prudential Retirement Hybrid Aggressive Fund13.16%16.33%19.76%
Tata Retirement Savings Moderate Fund14.93%15.14%12.86%
Axis Retirement Conservative Fund10.72%10.24%9.95%
SBI Retirement Benefit Aggressive Hybrid Fund13.12%12.54%0%
ICICI Prudential Retirement Pure Debt Fund6.4%5.31%6.8%
Nippon India Retirement Wealth Creation Scheme Fund9.59%13.36%11.26%
HDFC Retirement Savings Equity Fund10.88%15.43%18.36%
Data as of 14-Dec-2025
SIP Calculator


Rolling Lumpsum returns
Fund Any 1YAny 3YAny 5Y
PGIM India Retirement Fund8.64%0%0%
ICICI Prudential Retirement Pure Equity Fund12.26%25.42%27.13%
ICICI Prudential Retirement Hybrid Conservative Fund9.76%11.79%9.96%
SBI Retirement Benefit Aggressive Fund3.63%14.05%0%
Union Retirement Fund7.7%17.77%0%
Aditya Birla Sun Life Retirement The 40s Fund9.93%12.99%13.39%
SBI Retirement Benefit Conservative Hybrid Fund7.31%9.82%0%
Nippon India Retirement Income Generation Scheme Fund7.98%7.73%7.98%
Aditya Birla Sun Life Retirement The 30s Fund8.57%16.01%14.8%
Bandhan Retirement Fund7.58%0%0%
Tata Retirement Savings Conservative Fund5.48%9.45%8.27%
SBI Retirement Benefit Conservative Fund7.36%8.93%0%
Baroda BNP Paribas Retirement Fund7.02%0%0%
Axis Retirement Aggressive Fund9.49%14.17%13.05%
Axis Retirement Dynamic Fund10.56%15.45%14.25%
Aditya Birla Sun Life Retirement The 50s Fund4.96%4.87%7.05%
Franklin India Retirement Fund8.64%10.65%9.94%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund6.32%4.74%5.33%
Tata Retirement Savings Progressive Fund15.22%16.74%14.43%
HDFC Retirement Savings Hybrid Equity Fund11.01%15.36%17.16%
HDFC Retirement Savings Hybrid Debt Fund5.86%9.69%9.37%
ICICI Prudential Retirement Hybrid Aggressive Fund11.49%15.91%20.55%
Tata Retirement Savings Moderate Fund14.16%15.03%13.6%
Axis Retirement Conservative Fund10.06%9.71%10.61%
SBI Retirement Benefit Aggressive Hybrid Fund5.47%13.77%0%
ICICI Prudential Retirement Pure Debt Fund6.61%6.86%6.07%
Nippon India Retirement Wealth Creation Scheme Fund7.12%10.69%7.96%
HDFC Retirement Savings Equity Fund4.43%18.74%23.05%
Data as of 14-Dec-2025

Rolling SWP returns
Fund Any 1Y SWPAny 3Y SWPAny 5Y SWP
PGIM India Retirement Fund3.92%0%0%
ICICI Prudential Retirement Pure Equity Fund5.36%25.31%31.3%
ICICI Prudential Retirement Hybrid Conservative Fund6.87%12.28%8.96%
SBI Retirement Benefit Aggressive Fund-5.07%16.27%0%
Union Retirement Fund-0.26%19.83%0%
Aditya Birla Sun Life Retirement The 40s Fund5.23%13.96%12.77%
SBI Retirement Benefit Conservative Hybrid Fund8.44%11.42%0%
Nippon India Retirement Income Generation Scheme Fund7.7%8.35%7.97%
Aditya Birla Sun Life Retirement The 30s Fund4.73%15.63%14.63%
Bandhan Retirement Fund11.07%0%0%
Tata Retirement Savings Conservative Fund4.18%10.38%8.0%
SBI Retirement Benefit Conservative Fund8.25%9.14%0%
Baroda BNP Paribas Retirement Fund2.42%0%0%
Axis Retirement Aggressive Fund10.54%20.45%13.33%
Axis Retirement Dynamic Fund12.16%16.36%14.83%
Aditya Birla Sun Life Retirement The 50s Fund5.23%6.21%5.31%
Franklin India Retirement Fund7.17%11.36%9.76%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund6.55%4.6%5.08%
Tata Retirement Savings Progressive Fund13.25%16.3%15.1%
HDFC Retirement Savings Hybrid Equity Fund11.76%18.36%20.94%
HDFC Retirement Savings Hybrid Debt Fund4.74%10.69%9.63%
ICICI Prudential Retirement Hybrid Aggressive Fund7.56%14.04%21.65%
Tata Retirement Savings Moderate Fund12.75%15.05%13.74%
Axis Retirement Conservative Fund10.51%10.11%11.68%
SBI Retirement Benefit Aggressive Hybrid Fund-1.87%15.2%0%
ICICI Prudential Retirement Pure Debt Fund6.59%8.54%5.25%
Nippon India Retirement Wealth Creation Scheme Fund6.4%6.65%7.31%
HDFC Retirement Savings Equity Fund-1.69%23.09%30.5%
Data as of 14-Dec-2025

SIP and SWP returns with step-up


Rolling SIP returns with 10% step-up
Fund Any 1Y SIPAny 3Y 目↑ SIPAny 5Y 目↑ SIP
PGIM India Retirement Fund11.65%0%0%
ICICI Prudential Retirement Pure Equity Fund22.37%24.02%24.0%
ICICI Prudential Retirement Hybrid Conservative Fund11.34%11.65%10.84%
SBI Retirement Benefit Aggressive Fund10.8%11.97%0%
Union Retirement Fund16.2%15.95%0%
Aditya Birla Sun Life Retirement The 40s Fund10.97%14.18%13.17%
SBI Retirement Benefit Conservative Hybrid Fund8.67%8.5%0%
Nippon India Retirement Income Generation Scheme Fund8.69%8.1%8.27%
Aditya Birla Sun Life Retirement The 30s Fund11.72%16.4%15.0%
Bandhan Retirement Fund8.41%0%0%
Tata Retirement Savings Conservative Fund6.44%8.64%8.43%
SBI Retirement Benefit Conservative Fund7.06%7.6%0%
Baroda BNP Paribas Retirement Fund10.32%0%0%
Axis Retirement Aggressive Fund10.86%13.85%12.6%
Axis Retirement Dynamic Fund12.05%14.41%13.48%
Aditya Birla Sun Life Retirement The 50s Fund5.08%9.41%8.68%
Franklin India Retirement Fund9.4%10.08%10.04%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund6.17%6.45%6.0%
Tata Retirement Savings Progressive Fund16.07%13.88%14.29%
HDFC Retirement Savings Hybrid Equity Fund12.57%12.77%14.2%
HDFC Retirement Savings Hybrid Debt Fund7.09%8.83%9.1%
ICICI Prudential Retirement Hybrid Aggressive Fund13.16%20.68%19.77%
Tata Retirement Savings Moderate Fund14.93%13.61%13.83%
Axis Retirement Conservative Fund10.72%10.2%9.56%
SBI Retirement Benefit Aggressive Hybrid Fund13.12%12.38%0%
ICICI Prudential Retirement Pure Debt Fund6.4%7.25%6.84%
Nippon India Retirement Wealth Creation Scheme Fund9.59%14.29%15.8%
HDFC Retirement Savings Equity Fund10.88%15.11%17.98%
Data as of 14-Dec-2025

Rolling SWP returns with 10% step-up
Fund Any 1Y SWPAny 3Y 目↑ SWPAny 5Y 目↑ SWP
PGIM India Retirement Fund3.92%0%0%
ICICI Prudential Retirement Pure Equity Fund5.36%26.69%30.81%
ICICI Prudential Retirement Hybrid Conservative Fund6.87%12.32%8.95%
SBI Retirement Benefit Aggressive Fund-5.07%16.25%0%
Union Retirement Fund-0.26%19.93%0%
Aditya Birla Sun Life Retirement The 40s Fund5.23%14.46%12.74%
SBI Retirement Benefit Conservative Hybrid Fund8.44%11.37%0%
Nippon India Retirement Income Generation Scheme Fund7.7%10.39%7.45%
Aditya Birla Sun Life Retirement The 30s Fund4.73%15.79%14.54%
Bandhan Retirement Fund11.07%0%0%
Tata Retirement Savings Conservative Fund4.18%10.43%8.0%
SBI Retirement Benefit Conservative Fund8.25%9.82%0%
Baroda BNP Paribas Retirement Fund2.42%0%0%
Axis Retirement Aggressive Fund10.54%16.56%13.32%
Axis Retirement Dynamic Fund12.16%16.58%14.73%
Aditya Birla Sun Life Retirement The 50s Fund5.23%9.72%5.5%
Franklin India Retirement Fund7.17%11.44%9.8%
Aditya Birla Sun Life Retirement The 50s Plus Debt Fund6.55%6.7%4.2%
Tata Retirement Savings Progressive Fund13.25%19.59%17.64%
HDFC Retirement Savings Hybrid Equity Fund11.76%18.34%20.55%
HDFC Retirement Savings Hybrid Debt Fund4.74%10.69%9.62%
ICICI Prudential Retirement Hybrid Aggressive Fund7.56%22.98%21.46%
Tata Retirement Savings Moderate Fund12.75%18.02%16.38%
Axis Retirement Conservative Fund10.51%11.95%9.57%
SBI Retirement Benefit Aggressive Hybrid Fund-1.87%15.16%0%
ICICI Prudential Retirement Pure Debt Fund6.59%7.43%5.34%
Nippon India Retirement Wealth Creation Scheme Fund6.4%19.98%23.13%
HDFC Retirement Savings Equity Fund-1.69%23.06%29.73%
Data as of 14-Dec-2025

Note:N.A. in returns indicate that the fund does not have sufficient history.

Tables have been updated on 14-Dec-2025

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.

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Explore Different Categories of Mutual Funds

Equity Scheme funds Debt Scheme funds Hybrid Scheme funds Solution Oriented Schemes – Funds for Retirement and Children Other Schemes – ETFs and Fund of Funds Commodity Schemes – Funds Investing in Gold, Silver or Both

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.

Note: NAVs and returns updated on 14-Dec-2025.