Saving for retirement, locked in for five years. Investments locked in for five years or until retirement age, whichever comes first.
Ranked by three-year return; funds without that figure at the end
Ranked by three-year return, the top three are ICICI Prudential Retirement Fund Pure Equity Plan (+18.0% a year), ICICI Prudential Retirement Fund Hybrid Aggressive Plan (+15.1% a year) and Aditya Birla Sun Life Retirement Fund-The 30s Plan (+14.8% a year). Past returns do not tell you future returns.
ICICI Prudential Retirement Fund Pure Equity Plan ICICI Prudential | -1.3% | +18.0% | +15.9% | 1/27 | 2.16% | ₹2,109 cr |
ICICI Prudential Retirement Fund Hybrid Aggressive Plan ICICI Prudential | -2.0% | +15.1% | +11.8% | 2/27 | 2.49% | ₹1,234 cr |
Aditya Birla Sun Life Retirement Fund-The 30s Plan Aditya Birla Sun Life | +6.8% | +14.8% | +10.1% | 3/27 | 2.62% | ₹460 cr |
| -1.0% | +11.3% | — | 4/27 | 2.67% | ₹206 cr | |
| -4.2% | +10.7% | +5.9% | 5/27 | 2.56% | ₹267 cr | |
| -0.1% | +10.6% | +8.2% | 6/27 | 2.20% | ₹2,079 cr | |
| +0.1% | +10.1% | +8.2% | 7/27 | 2.15% | ₹2,091 cr | |
| -4.2% | +9.8% | +5.5% | 8/27 | 2.51% | ₹664 cr | |
Aditya Birla Sun Life Retirement Fund-The 40s Plan Aditya Birla Sun Life | -3.0% | +9.7% | +7.2% | 9/27 | 2.42% | ₹109 cr |
| -7.0% | +9.3% | +8.4% | 10/27 | 2.23% | ₹2,905 cr | |
| -7.8% | +8.7% | +10.2% | 11/27 | 1.87% | ₹6,784 cr | |
| -1.7% | +8.2% | +8.7% | 12/27 | 2.14% | ₹1,569 cr | |
| -1.2% | +8.0% | +7.6% | 13/27 | 1.63% | ₹4,577 cr | |
ICICI Prudential Retirement Fund Hybrid Conservative Plan ICICI Prudential | +1.6% | +8.0% | +7.1% | 14/27 | 2.24% | ₹95 cr |
Bandhan Retirement Fund Bandhan | -2.6% | +7.8% | — | 15/27 | 2.70% | ₹177 cr |
| -3.6% | +7.7% | +8.7% | 16/27 | 2.08% | ₹3,064 cr | |
Franklin India Retirement Fund Franklin Templeton | -3.0% | +6.7% | +5.9% | 17/27 | 2.25% | ₹475 cr |
Aditya Birla Sun Life Retirement Fund-The 50s Plan Aditya Birla Sun Life | +0.8% | +6.5% | +5.4% | 18/27 | 1.96% | ₹27 cr |
| -0.0% | +6.4% | +6.7% | 19/27 | 1.76% | ₹246 cr | |
| -7.7% | +6.4% | +7.5% | 20/27 | 2.13% | ₹1,534 cr | |
| -2.3% | +6.3% | +4.5% | 21/27 | 2.17% | ₹43 cr | |
| +1.0% | +6.2% | +5.2% | 22/27 | 2.16% | ₹162 cr | |
| +1.2% | +6.0% | +6.2% | 23/27 | 1.45% | ₹136 cr | |
| -1.3% | +5.5% | +5.6% | 24/27 | 2.34% | ₹141 cr | |
| -1.3% | +5.5% | +4.8% | 25/27 | 2.11% | ₹138 cr | |
ICICI Prudential Retirement Fund Pure Debt Plan ICICI Prudential | +2.6% | +5.3% | +4.8% | 26/27 | 2.14% | ₹78 cr |
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan Aditya Birla Sun Life | +1.7% | +4.5% | +3.7% | 27/27 | 2.05% | ₹13 cr |
Baroda BNP Paribas Retirement Fund Baroda BNP Paribas | -1.4% | — | — | — | 2.55% | ₹390 cr |
PGIM India Retirement Fund PGIM India | -2.2% | — | — | — | 2.59% | ₹103 cr |
Answered from the figures above, updated every business day
29 funds, managing ₹31,877 cr between them as of 3 Nov 2026. The largest is HDFC Retirement Fund - Equity Plan, at ₹6,784 cr.
The average Retirement fund returned -1.5% over the last year, +8.6% a year over three years, +7.4% a year over five years. Over the last year the funds ranged from -7.8% to +6.8%. Past returns do not tell you future returns.
SBI Retirement Benefit Fund - Conservative Plan, at 1.45% a year, against 2.17% for the average fund in the category. The expense ratio is taken out of the fund every day, so every return shown is already after it.
ICICI Prudential Retirement Fund Pure Equity Plan, at +18.0% a year over the last three years, against +8.6% for the average fund. Past returns do not tell you future returns.
Their volatility over the last year averaged 10.8%: the higher it is, the more the price swings from day to day. 17 of 29 carry the riskometer level Very High, on SEBI's six-step scale from Low to Very High.
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NAV, expense ratio and fund disclosures as published by AMFI and the fund houses; prices as of 3 Nov 2026. Figures are computed independently and may differ from a fund house's own factsheet.
DiscoverMF is an information and analytics service. Nothing here is investment advice, a recommendation, or an offer to buy or sell any scheme. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past performance does not indicate future returns.