+91-22-489139095 Best Solution Oriented Schemes to Invest in 2026
The Security and Exchange Board of India (SEBI) has introduced a new classification ‘Solution Oriented Schemes’ under Mutual Funds. These funds are important for long-term goal planning, particularly for—Retirement planning and a child’s education. So, if you are looking at something with a similar goal-wise Investing, then you are at the right place. Let’s look at these funds in a detailed manner, along with some of the best solution oriented schemes to invest.
Talk to our investment specialist
What are Solution Oriented Schemes?
Solution oriented schemes are helpful for those investors who wish to create long-term wealth that mainly includes retirement planning and a child’s future education by investing in Mutual Funds. Earlier, these plans were a part of equity or balanced schemes, but as per SEBI’s new circulation, these funds are separately categorised under solution oriented schemes.
Also, these schemes used to have a lock-in for three years, but now these funds have a mandatory lock-in of five years. This is ideally a good way to keep investors invested for a longer duration in order to attain these investment goals. It maintains discipline in investments.
Fund Selection Methodology used to find 5 funds
Top 5 Best Performing Solution Oriented Schemes FY 26 - 27
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI Magnum Children's Benefit Plan Growth ₹120.219
↑ 0.07 ₹149 2 10.4 9.9 11.2 10.2 3.2 Tata Retirement Savings Fund - Progressive Growth ₹65.565
↑ 0.04 ₹2,255 -2.6 15.6 3.4 10.2 8.3 -1.2 Tata Retirement Savings Fund-Moderate Growth ₹65.1217
↑ 0.01 ₹2,251 -2.1 13.7 3.4 9.7 8.3 1 Tata Retirement Savings Fund - Conservative Growth ₹32.2663
↓ 0.00 ₹171 -1.2 5.7 2.5 6.1 5.2 3.6 ICICI Prudential Child Care Plan (Gift) Growth ₹315.65
↓ -0.08 ₹1,436 -3.3 7.5 -2.8 11 10.4 8.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26 Research Highlights & Commentary of 5 Funds showcased
Commentary SBI Magnum Children's Benefit Plan Tata Retirement Savings Fund - Progressive Tata Retirement Savings Fund-Moderate Tata Retirement Savings Fund - Conservative ICICI Prudential Child Care Plan (Gift) Point 1 Bottom quartile AUM (₹149 Cr). Highest AUM (₹2,255 Cr). Upper mid AUM (₹2,251 Cr). Bottom quartile AUM (₹171 Cr). Lower mid AUM (₹1,436 Cr). Point 2 Established history (24+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Oldest track record among peers (25 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 2★ (bottom quartile). 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: 10.22% (upper mid). 5Y return: 8.27% (bottom quartile). 5Y return: 8.30% (lower mid). 5Y return: 5.21% (bottom quartile). 5Y return: 10.39% (top quartile). Point 6 3Y return: 11.17% (top quartile). 3Y return: 10.18% (lower mid). 3Y return: 9.73% (bottom quartile). 3Y return: 6.15% (bottom quartile). 3Y return: 10.97% (upper mid). Point 7 1Y return: 9.86% (top quartile). 1Y return: 3.44% (upper mid). 1Y return: 3.38% (lower mid). 1Y return: 2.47% (bottom quartile). 1Y return: -2.82% (bottom quartile). Point 8 1M return: 0.50% (top quartile). 1M return: -6.64% (bottom quartile). 1M return: -5.82% (bottom quartile). 1M return: -2.56% (upper mid). 1M return: -4.32% (lower mid). Point 9 Alpha: 0.00 (upper mid). Alpha: 5.12 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.73 (top quartile). Sharpe: 0.34 (upper mid). Sharpe: 0.33 (lower mid). Sharpe: 0.04 (bottom quartile). Sharpe: -0.13 (bottom quartile). SBI Magnum Children's Benefit Plan
Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund - Conservative
ICICI Prudential Child Care Plan (Gift)
To provide attractive returns to the Magnum holders / Unit holders by means
of capital appreciation through an actively managed portfolio of debt, equity
and money market instruments. Income generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio, will be reinvested. Below is the key information for SBI Magnum Children's Benefit Plan Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Research Highlights for Tata Retirement Savings Fund - Progressive Below is the key information for Tata Retirement Savings Fund - Progressive Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Research Highlights for Tata Retirement Savings Fund-Moderate Below is the key information for Tata Retirement Savings Fund-Moderate Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Research Highlights for Tata Retirement Savings Fund - Conservative Below is the key information for Tata Retirement Savings Fund - Conservative Returns up to 1 year are on The primary investment objective of the Study Plan is to seek generation of current income by creating a portfolio that is invested in debt, money market instruments and equity and equity related securities. Research Highlights for ICICI Prudential Child Care Plan (Gift) Below is the key information for ICICI Prudential Child Care Plan (Gift) Returns up to 1 year are on 1. SBI Magnum Children's Benefit Plan
SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (30 Sep 26) ₹120.219 ↑ 0.07 (0.06 %) Net Assets (Cr) ₹149 on 31 Aug 26 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.21 Sharpe Ratio 0.73 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,490 30 Sep 23 ₹11,842 30 Sep 24 ₹14,414 30 Sep 25 ₹14,809 30 Sep 26 ₹16,269
Purchase not allowed Returns for SBI Magnum Children's Benefit Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 2% 6 Month 10.4% 1 Year 9.9% 3 Year 11.2% 5 Year 10.2% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 3.2% 2023 17.4% 2022 16.9% 2021 1.9% 2020 18.3% 2019 14.8% 2018 2.6% 2017 0.1% 2016 24.3% 2015 16.1% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 5.64 Yr. Lokesh Mallya 1 Jul 25 1.17 Yr. Data below for SBI Magnum Children's Benefit Plan as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 6.9% Equity 23.22% Debt 69.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -10% ₹14 Cr 1,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹10 Cr 1,000,000 Jsw Jfe Kalinga Steel Limited
Debentures | -3% ₹5 Cr 500 Rec Limited
Debentures | -3% ₹5 Cr 500 LIC Housing Finance Ltd
Debentures | -3% ₹5 Cr 500 Tamil Nadu (Government of) 7.73%
- | -3% ₹5 Cr 500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹5 Cr 500 Small Industries Development Bank Of India
Debentures | -3% ₹5 Cr 500 State Government Of Rajasthan
Sovereign Bonds | -3% ₹5 Cr 500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹5 Cr 05
↑ 05 2. Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (30 Sep 26) ₹65.565 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹2,255 on 31 Aug 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio 0.34 Information Ratio 0.11 Alpha Ratio 5.12 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹9,553 30 Sep 23 ₹11,123 30 Sep 24 ₹15,545 30 Sep 25 ₹14,384 30 Sep 26 ₹14,878 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -6.6% 3 Month -2.6% 6 Month 15.6% 1 Year 3.4% 3 Year 10.2% 5 Year 8.3% 10 Year 15 Year Since launch 13.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 -1.2% 2023 21.7% 2022 29% 2021 -3.9% 2020 23.3% 2019 14.4% 2018 11.5% 2017 -6.1% 2016 49.1% 2015 3.1% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 9.42 Yr. Sonam Udasi 1 Apr 16 10.42 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 5.33% Equity 94.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS5% ₹121 Cr 60,300 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK5% ₹115 Cr 792,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | ETERNAL4% ₹89 Cr 2,700,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹83 Cr 648,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Apr 25 | MCX4% ₹83 Cr 243,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹69 Cr 153,000
↓ -18,000 PB Fintech Ltd (Financial Services)
Equity, Since 31 May 26 | POLICYBZR3% ₹57 Cr 306,000 360 One Wam Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | 360ONE2% ₹54 Cr 459,000 Polycab India Ltd (Industrials)
Equity, Since 31 Dec 20 | POLYCAB2% ₹51 Cr 54,000
↓ -9,000 Rainbow Childrens Medicare Ltd (Healthcare)
Equity, Since 31 Aug 25 | 5435242% ₹48 Cr 342,000 3. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (30 Sep 26) ₹65.1217 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,251 on 31 Aug 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio 0.33 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹9,765 30 Sep 23 ₹11,274 30 Sep 24 ₹15,001 30 Sep 25 ₹14,409 30 Sep 26 ₹14,896 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -5.8% 3 Month -2.1% 6 Month 13.7% 1 Year 3.4% 3 Year 9.7% 5 Year 8.3% 10 Year 15 Year Since launch 13.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 1% 2023 19.5% 2022 25.3% 2021 -1.9% 2020 20.5% 2019 15.1% 2018 8.6% 2017 -3.6% 2016 38.8% 2015 6.7% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 9.42 Yr. Amit Somani 1 Jun 26 0.25 Yr. Sonam Udasi 1 Apr 16 10.42 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 5.95% Equity 80.74% Debt 13.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS5% ₹107 Cr 53,100 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK4% ₹99 Cr 684,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | ETERNAL3% ₹76 Cr 2,304,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE3% ₹74 Cr 576,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Apr 25 | MCX3% ₹70 Cr 207,000 6.36% Govt Stock 2031
Sovereign Bonds | -3% ₹69 Cr 7,000,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹57 Cr 126,000
↓ -27,000 360 One Wam Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | 360ONE2% ₹48 Cr 405,000 PB Fintech Ltd (Financial Services)
Equity, Since 31 May 26 | POLICYBZR2% ₹47 Cr 252,000 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Dec 22 | 5900032% ₹44 Cr 1,260,000 4. Tata Retirement Savings Fund - Conservative
Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (30 Sep 26) ₹32.2663 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹171 on 31 Aug 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 0.04 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹9,921 30 Sep 23 ₹10,780 30 Sep 24 ₹12,429 30 Sep 25 ₹12,581 30 Sep 26 ₹12,892 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -2.6% 3 Month -1.2% 6 Month 5.7% 1 Year 2.5% 3 Year 6.1% 5 Year 5.2% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 3.6% 2023 9.9% 2022 12.1% 2021 0.1% 2020 7.6% 2019 11.8% 2018 7.6% 2017 0.8% 2016 15.1% 2015 10.6% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 9.42 Yr. Amit Somani 1 Jun 26 0.25 Yr. Sonam Udasi 1 Apr 16 10.42 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 10.92% Equity 27.67% Debt 61.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -21% ₹34 Cr 3,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 6.36% Govt Stock 2031
Sovereign Bonds | -9% ₹15 Cr 1,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹10 Cr 100 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹10 Cr 1,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -5% ₹9 Cr 1,000,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹5 Cr 05 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK1% ₹2 Cr 18,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 30 Apr 23 | SOLARINDS1% ₹2 Cr 1,260
↓ -108 5. ICICI Prudential Child Care Plan (Gift)
ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (30 Sep 26) ₹315.65 ↓ -0.08 (-0.03 %) Net Assets (Cr) ₹1,436 on 31 Aug 26 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.2 Sharpe Ratio -0.13 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,233 30 Sep 23 ₹11,996 30 Sep 24 ₹16,969 30 Sep 25 ₹16,868 30 Sep 26 ₹16,391 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -4.3% 3 Month -3.3% 6 Month 7.5% 1 Year -2.8% 3 Year 11% 5 Year 10.4% 10 Year 15 Year Since launch 14.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.3% 2023 16.9% 2022 29.2% 2021 2.6% 2020 24.8% 2019 8.8% 2018 8.5% 2017 -1.9% 2016 25% 2015 6.9% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Sharmila D’mello 30 Jun 22 4.17 Yr. Darshil Dedhia 22 Jan 24 2.61 Yr. Rohit Lakhotia 12 Jun 23 3.22 Yr. Aatur Shah 29 Aug 25 1.01 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 4.34% Equity 84.1% Debt 11.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 25 | HDFCBANK8% ₹122 Cr 1,715,000
↑ 65,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 26 | 5322158% ₹117 Cr 900,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 26 | RELIANCE7% ₹104 Cr 811,937 Atul Ltd (Basic Materials)
Equity, Since 31 Aug 25 | ATUL4% ₹54 Cr 84,035
↓ -425 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 26 | ICICIBANK4% ₹51 Cr 350,000
↑ 350,000 Vedanta Aluminium Metal Limited
Debentures | -3% ₹50 Cr 5,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 26 | SBIN3% ₹42 Cr 400,000
↑ 400,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 26 | KOTAKBANK3% ₹42 Cr 1,000,000 Bajaj Holdings and Investment Ltd (Financial Services)
Equity, Since 31 Dec 25 | BAJAJHLDNG3% ₹41 Cr 35,000
↓ -5,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 May 26 | ITC2% ₹33 Cr 1,299,594
How to Invest in Solution Oriented Schemes 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.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2026 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for SBI Magnum Children's Benefit Plan