+91-22-48913909Best Retirement Mutual Funds 2025 – 2026
Retirement planning is an essential part of our life. Not many people start their retirement planning at an early age, but it is important as it takes a longer time to build the retirement corpus. Ideally, one should start planning their retirement right from their 20’s because it gives enough time to save.
And also, the longer you keep your money invested, the higher would be the returns in the equity Market. So, let’s understand how one can attain their retirement goals by investing in Mutual Funds, along with the best retirement Mutual Funds to invest.
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Why Mutual Funds for Retirement Planning?
Mutual funds are considered to be a smart tool for planning, Financial goals like retirement, a child’s education, purchase of a house/car, world tour, etc. Mutual funds are particularly designed to suit the different investment needs of people. Investors can pick funds from a wide Range of mutual fund schemes like equity, debt, and hybrid funds. The Security and Exchange Board of India (SEBI) has recently introduced a separate category called as ‘Solution Oriented Schemes’ that majorly includes retirement and child’s investment scheme.
The SEBI has given a separate category for these plans so that investors can easily plan their retirement in a disciplined manner. These solutions oriented retirement schemes come with a fixed tenure of 5 years or till the retirement. This is a good way to keep investors invested for a longer duration in order to attain their retirement investment goals. Investors who are keen to invest in this scheme, here are some of the schemes you can consider Investing in.
Best Retirement Mutual Fund- Solution Oriented Schemes
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. Tata Retirement Savings Fund-Moderate Growth ₹63.6722
↓ -0.70 ₹2,150 0.2 10.2 -0.9 14.2 14.8 19.5 Retirement Fund Tata Retirement Savings Fund - Progressive Growth ₹64.4388
↓ -0.85 ₹2,085 -0.3 11 -3.4 15.1 15.8 21.7 Retirement Fund Tata Retirement Savings Fund - Conservative Growth ₹31.4706
↓ -0.15 ₹178 -0.2 5.4 2.3 8.1 7.5 9.9 Retirement Fund HDFC Retirement Savings Fund - Equity Plan Growth ₹50.131
↓ -0.54 ₹6,612 -0.5 10.5 -1.6 18.5 23.5 18 Retirement Fund HDFC Retirement Savings Fund - Hybrid - Debt Plan Growth ₹21.4661
↓ -0.06 ₹162 -0.6 4.6 3.2 8.6 8.6 9.9 Retirement Fund Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Tata Retirement Savings Fund-Moderate Tata Retirement Savings Fund - Progressive Tata Retirement Savings Fund - Conservative HDFC Retirement Savings Fund - Equity Plan HDFC Retirement Savings Fund - Hybrid - Debt Plan Point 1 Upper mid AUM (₹2,150 Cr). Lower mid AUM (₹2,085 Cr). Bottom quartile AUM (₹178 Cr). Highest AUM (₹6,612 Cr). Bottom quartile AUM (₹162 Cr). Point 2 Oldest track record among peers (13 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (9+ yrs). Established history (9+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 4★ (lower mid). Not Rated. Not Rated. Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 14.82% (lower mid). 5Y return: 15.81% (upper mid). 5Y return: 7.54% (bottom quartile). 5Y return: 23.53% (top quartile). 5Y return: 8.59% (bottom quartile). Point 6 3Y return: 14.15% (lower mid). 3Y return: 15.08% (upper mid). 3Y return: 8.09% (bottom quartile). 3Y return: 18.46% (top quartile). 3Y return: 8.61% (bottom quartile). Point 7 1Y return: -0.90% (lower mid). 1Y return: -3.37% (bottom quartile). 1Y return: 2.27% (upper mid). 1Y return: -1.59% (bottom quartile). 1Y return: 3.16% (top quartile). Point 8 1M return: -0.92% (bottom quartile). 1M return: -1.15% (bottom quartile). 1M return: -0.78% (upper mid). 1M return: -0.68% (top quartile). 1M return: -0.82% (lower mid). Point 9 Alpha: 0.00 (upper mid). Alpha: 0.22 (top quartile). Alpha: 0.00 (lower mid). Alpha: -0.66 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: -0.37 (top quartile). Sharpe: -0.41 (upper mid). Sharpe: -0.48 (bottom quartile). Sharpe: -0.49 (bottom quartile). Sharpe: -0.42 (lower mid). Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Conservative
HDFC Retirement Savings Fund - Equity Plan
HDFC Retirement Savings Fund - Hybrid - Debt Plan
Best Retirement Mutual Fund- As per Risk Appetite
Investors who want to invest in equity, debt or Balanced Fund, can invest in these funds as per risk appetite.
Best Retirement Mutual Funds for Aggressive Investors
These funds are Equity Funds that invest in the stocks of companies. Equity funds are considered to be a good option for a long-term investment and for those who are ready to take a high-risk in mutual funds. Ideally, investors who fall in the age bracket of 25-40 years and are willing to invest for at least 10-15 years can invest in these schemes.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. ICICI Prudential Banking and Financial Services Fund Growth ₹131.75
↓ -1.67 ₹9,930 -0.8 13 8.4 15.4 19.9 11.6 Sectoral Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹59.17
↓ -0.92 ₹3,497 -1.4 14 5.1 14.9 19.8 8.7 Sectoral Motilal Oswal Multicap 35 Fund Growth ₹61.308
↓ -0.93 ₹13,727 2 12.3 4.6 22.8 18.8 45.7 Multi Cap Mirae Asset India Equity Fund Growth ₹112.501
↓ -0.98 ₹39,975 1 12.2 1 12.9 16.3 12.7 Multi Cap Kotak Standard Multicap Fund Growth ₹83.548
↓ -0.99 ₹53,293 -0.2 14 0.9 16.2 18.7 16.5 Multi Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential Banking and Financial Services Fund Aditya Birla Sun Life Banking And Financial Services Fund Motilal Oswal Multicap 35 Fund Mirae Asset India Equity Fund Kotak Standard Multicap Fund Point 1 Bottom quartile AUM (₹9,930 Cr). Bottom quartile AUM (₹3,497 Cr). Lower mid AUM (₹13,727 Cr). Upper mid AUM (₹39,975 Cr). Highest AUM (₹53,293 Cr). Point 2 Oldest track record among peers (17 yrs). Established history (11+ yrs). Established history (11+ yrs). Established history (17+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 19.91% (top quartile). 5Y return: 19.85% (upper mid). 5Y return: 18.82% (lower mid). 5Y return: 16.34% (bottom quartile). 5Y return: 18.66% (bottom quartile). Point 6 3Y return: 15.44% (lower mid). 3Y return: 14.92% (bottom quartile). 3Y return: 22.80% (top quartile). 3Y return: 12.86% (bottom quartile). 3Y return: 16.24% (upper mid). Point 7 1Y return: 8.36% (top quartile). 1Y return: 5.06% (upper mid). 1Y return: 4.62% (lower mid). 1Y return: 0.96% (bottom quartile). 1Y return: 0.86% (bottom quartile). Point 8 Alpha: -3.35 (bottom quartile). Alpha: -8.11 (bottom quartile). Alpha: 10.18 (top quartile). Alpha: 1.71 (lower mid). Alpha: 2.01 (upper mid). Point 9 Sharpe: 0.37 (top quartile). Sharpe: 0.09 (lower mid). Sharpe: 0.11 (upper mid). Sharpe: -0.35 (bottom quartile). Sharpe: -0.31 (bottom quartile). Point 10 Information ratio: 0.18 (bottom quartile). Information ratio: 0.19 (lower mid). Information ratio: 0.80 (top quartile). Information ratio: -0.36 (bottom quartile). Information ratio: 0.24 (upper mid). ICICI Prudential Banking and Financial Services Fund
Aditya Birla Sun Life Banking And Financial Services Fund
Motilal Oswal Multicap 35 Fund
Mirae Asset India Equity Fund
Kotak Standard Multicap Fund
Best Retirement Mutual Funds for Moderate Investors
These funds are suitable for investors who fall in the age bracket of 41-50 years and are willing to invest for at least 5-10 years more. These are hybrid funds, i.e., a mix of debt and equity funds. These are a good option for investors who want to earn long-term returns via equity, as well as regular Income via debt securities.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. Aditya Birla Sun Life Regular Savings Fund Growth ₹66.9622
↓ -0.27 ₹1,524 0.8 5.9 7 8.9 10.8 10.5 Hybrid Debt Edelweiss Arbitrage Fund Growth ₹19.5546
↑ 0.01 ₹15,550 1.6 3.3 6.8 7.1 5.7 7.7 Arbitrage ICICI Prudential MIP 25 Growth ₹76.1596
↓ -0.23 ₹3,237 1.5 6.3 6.7 10.1 9.9 11.4 Hybrid Debt SBI Debt Hybrid Fund Growth ₹72.5485
↓ -0.29 ₹9,799 0.6 6 4.8 9.9 11.1 11 Hybrid Debt Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Aug 25 Research Highlights & Commentary of 4 Funds showcased
Commentary Aditya Birla Sun Life Regular Savings Fund Edelweiss Arbitrage Fund ICICI Prudential MIP 25 SBI Debt Hybrid Fund Point 1 Bottom quartile AUM (₹1,524 Cr). Highest AUM (₹15,550 Cr). Lower mid AUM (₹3,237 Cr). Upper mid AUM (₹9,799 Cr). Point 2 Established history (21+ yrs). Established history (11+ yrs). Established history (21+ yrs). Oldest track record among peers (24 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately Low. Risk profile: Moderately High. Risk profile: Moderate. Point 5 5Y return: 10.82% (upper mid). 5Y return: 5.71% (bottom quartile). 5Y return: 9.93% (lower mid). 5Y return: 11.13% (top quartile). Point 6 3Y return: 8.89% (lower mid). 3Y return: 7.07% (bottom quartile). 3Y return: 10.08% (top quartile). 3Y return: 9.87% (upper mid). Point 7 1Y return: 7.02% (top quartile). 1Y return: 6.77% (upper mid). 1Y return: 6.69% (lower mid). 1Y return: 4.83% (bottom quartile). Point 8 1M return: -0.36% (lower mid). 1M return: 0.44% (top quartile). 1M return: 0.26% (upper mid). 1M return: -0.36% (bottom quartile). Point 9 Alpha: 0.75 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.38 (upper mid). Sharpe: 0.90 (top quartile). Sharpe: 0.25 (lower mid). Sharpe: -0.23 (bottom quartile). Aditya Birla Sun Life Regular Savings Fund
Edelweiss Arbitrage Fund
ICICI Prudential MIP 25
SBI Debt Hybrid Fund
Best Retirement Mutual Funds for Conservative Investors
Investors who are above 50 years of age would prefer investing in the conservative scheme, i.e., funds which carry a low level of risk. These are debt scheme that offers stable returns.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. PGIM India Low Duration Fund Growth ₹26.0337
↑ 0.01 ₹104 1.5 3.3 6.3 4.5 1.3 Low Duration Baroda Pioneer Treasury Advantage Fund Growth ₹1,600.39
↑ 0.30 ₹28 0.7 1.2 3.7 -9.5 -3.2 Low Duration Aditya Birla Sun Life Corporate Bond Fund Growth ₹113.311
↓ -0.16 ₹28,598 -0.1 3.7 7.7 7.5 6.5 8.5 Corporate Bond Aditya Birla Sun Life Savings Fund Growth ₹554.449
↑ 0.02 ₹20,795 1.7 4 8 7.4 6.1 7.9 Ultrashort Bond HDFC Corporate Bond Fund Growth ₹32.71
↓ -0.05 ₹35,968 0 3.9 7.8 7.5 6.3 8.6 Corporate Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 23 Research Highlights & Commentary of 5 Funds showcased
Commentary PGIM India Low Duration Fund Baroda Pioneer Treasury Advantage Fund Aditya Birla Sun Life Corporate Bond Fund Aditya Birla Sun Life Savings Fund HDFC Corporate Bond Fund Point 1 Bottom quartile AUM (₹104 Cr). Bottom quartile AUM (₹28 Cr). Upper mid AUM (₹28,598 Cr). Lower mid AUM (₹20,795 Cr). Highest AUM (₹35,968 Cr). Point 2 Established history (18+ yrs). Established history (16+ yrs). Oldest track record among peers (28 yrs). Established history (22+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 1Y return: 6.30% (bottom quartile). 1Y return: 3.74% (bottom quartile). 1Y return: 7.69% (lower mid). 1Y return: 7.97% (top quartile). 1Y return: 7.81% (upper mid). Point 6 1M return: 0.47% (upper mid). 1M return: 0.21% (lower mid). 1M return: -0.52% (bottom quartile). 1M return: 0.47% (top quartile). 1M return: -0.43% (bottom quartile). Point 7 Sharpe: -1.66 (bottom quartile). Sharpe: 0.37 (bottom quartile). Sharpe: 1.54 (upper mid). Sharpe: 3.76 (top quartile). Sharpe: 1.46 (lower mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.34% (top quartile). Yield to maturity (debt): 4.07% (bottom quartile). Yield to maturity (debt): 6.90% (upper mid). Yield to maturity (debt): 6.60% (bottom quartile). Yield to maturity (debt): 6.88% (lower mid). Point 10 Modified duration: 0.53 yrs (upper mid). Modified duration: 0.63 yrs (lower mid). Modified duration: 4.53 yrs (bottom quartile). Modified duration: 0.49 yrs (top quartile). Modified duration: 4.20 yrs (bottom quartile). PGIM India Low Duration Fund
Baroda Pioneer Treasury Advantage Fund
Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Savings Fund
HDFC Corporate Bond Fund
SIP Investing for Retirement Planning
A Systematic Investment plan (SIP) can be the key to your happy retirement life. Ideally, when you plan to invest for a long-term, SIP is considered to be the most efficient way. SIP is a process of wealth creation where a small amount of money is invested over regular intervals of time i.e., monthly /quarterly. And this investment is invested in the stock market generates returns over time. The amount required for starting a SIP is as low as INR 500, thus making SIP’s a great tool for smart investments, where one can start investing a small amount from a young age.
The two major benefits of SIPs are— Power of Compounding and rupee cost averaging. Rupee cost averaging helps an individual to average out the cost of an asset purchase. In a systematic investing, the purchase of units is done over a long period and these are spread out equally over monthly intervals (usually). Due to the investment being spread out over time, the investment is made into the stock market at different price points giving the investor the benefit of averaging cost.
In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since the mutual funds in the SIP are in instalments, they are compounded, which adds more to the initially invested sum.
How to Invest in Retirement Mutual Funds Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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