+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.
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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 (%) Tata Retirement Savings Fund - Progressive Growth ₹64.1804
↑ 0.67 ₹2,014 -0.6 -2.9 6 15.8 11.9 -1.2 Tata Retirement Savings Fund-Moderate Growth ₹63.7267
↑ 0.59 ₹2,069 -0.6 -2.5 5.7 14.6 11.5 1 SBI Magnum Children's Benefit Plan Growth ₹112.995
↑ 0.30 ₹133 2.2 2.9 4.8 12.3 11.3 3.2 Tata Retirement Savings Fund - Conservative Growth ₹31.8323
↑ 0.10 ₹165 0.1 -0.5 3.4 8.1 6.4 3.6 ICICI Prudential Child Care Plan (Gift) Growth ₹325.08
↑ 2.53 ₹1,404 0.4 -1.6 7.8 17.9 14.5 8.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Tata Retirement Savings Fund - Progressive Tata Retirement Savings Fund-Moderate SBI Magnum Children's Benefit Plan Tata Retirement Savings Fund - Conservative ICICI Prudential Child Care Plan (Gift) Point 1 Upper mid AUM (₹2,014 Cr). Highest AUM (₹2,069 Cr). Bottom quartile AUM (₹133 Cr). Bottom quartile AUM (₹165 Cr). Lower mid AUM (₹1,404 Cr). Point 2 Established history (14+ yrs). Established history (14+ yrs). Oldest track record among peers (24 yrs). Established history (14+ yrs). Established history (24+ 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: 11.93% (upper mid). 5Y return: 11.47% (lower mid). 5Y return: 11.33% (bottom quartile). 5Y return: 6.36% (bottom quartile). 5Y return: 14.48% (top quartile). Point 6 3Y return: 15.83% (upper mid). 3Y return: 14.63% (lower mid). 3Y return: 12.26% (bottom quartile). 3Y return: 8.05% (bottom quartile). 3Y return: 17.91% (top quartile). Point 7 1Y return: 5.98% (upper mid). 1Y return: 5.69% (lower mid). 1Y return: 4.78% (bottom quartile). 1Y return: 3.45% (bottom quartile). 1Y return: 7.77% (top quartile). Point 8 1M return: 7.17% (top quartile). 1M return: 6.13% (upper mid). 1M return: 2.47% (bottom quartile). 1M return: 1.88% (bottom quartile). 1M return: 5.44% (lower mid). Point 9 Alpha: -5.84 (bottom quartile). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.49 (lower mid). Sharpe: 0.52 (upper mid). Sharpe: 0.48 (bottom quartile). Sharpe: 0.32 (bottom quartile). Sharpe: 1.01 (top quartile). Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund-Moderate
SBI Magnum Children's Benefit Plan
Tata Retirement Savings Fund - Conservative
ICICI Prudential Child Care Plan (Gift)
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. 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 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. Research Highlights for SBI Magnum Children's Benefit Plan 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 - 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. Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (17 Apr 26) ₹64.1804 ↑ 0.67 (1.06 %) Net Assets (Cr) ₹2,014 on 28 Feb 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio 0.49 Information Ratio -0.55 Alpha Ratio -5.84 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 31 Mar 21 ₹10,000 31 Mar 22 ₹11,145 31 Mar 23 ₹10,995 31 Mar 24 ₹14,966 31 Mar 25 ₹16,119 31 Mar 26 ₹15,365 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 7.2% 3 Month -0.6% 6 Month -2.9% 1 Year 6% 3 Year 15.8% 5 Year 11.9% 10 Year 15 Year Since launch 13.7% 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 9.01 Yr. Sonam Udasi 1 Apr 16 10.01 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 4.28% Equity 95.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK5% ₹96 Cr 792,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹87 Cr 648,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS5% ₹83 Cr 68,400 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK4% ₹80 Cr 1,100,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE4% ₹72 Cr 267,000
↓ -21,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Apr 25 | MCX4% ₹67 Cr 279,000
↑ 1,740 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹62 Cr 2,718,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹56 Cr 214,118 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹54 Cr 1,863,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | NAM-INDIA3% ₹48 Cr 603,000 2. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (17 Apr 26) ₹63.7267 ↑ 0.59 (0.93 %) Net Assets (Cr) ₹2,069 on 28 Feb 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio 0.52 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 31 Mar 21 ₹10,000 31 Mar 22 ₹11,159 31 Mar 23 ₹11,149 31 Mar 24 ₹14,570 31 Mar 25 ₹15,856 31 Mar 26 ₹15,321 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 6.1% 3 Month -0.6% 6 Month -2.5% 1 Year 5.7% 3 Year 14.6% 5 Year 11.5% 10 Year 15 Year Since launch 13.7% 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 9.01 Yr. Sonam Udasi 1 Apr 16 10.01 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 9.07% Equity 81.29% Debt 9.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK4% ₹82 Cr 684,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹77 Cr 576,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK4% ₹73 Cr 1,000,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS4% ₹72 Cr 59,400 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE3% ₹64 Cr 240,000
↓ -21,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Apr 25 | MCX3% ₹58 Cr 243,000
↑ 2,740 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹55 Cr 210,982 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹55 Cr 2,412,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC2% ₹47 Cr 1,620,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | NAM-INDIA2% ₹43 Cr 531,000 3. SBI Magnum Children's Benefit Plan
SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (17 Apr 26) ₹112.995 ↑ 0.30 (0.26 %) Net Assets (Cr) ₹133 on 15 Mar 26 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.21 Sharpe Ratio 0.48 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 31 Mar 21 ₹10,000 31 Mar 22 ₹11,567 31 Mar 23 ₹11,895 31 Mar 24 ₹14,178 31 Mar 25 ₹16,110 31 Mar 26 ₹16,524
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 17 Apr 26 Duration Returns 1 Month 2.5% 3 Month 2.2% 6 Month 2.9% 1 Year 4.8% 3 Year 12.3% 5 Year 11.3% 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 5.21 Yr. Lokesh Mallya 1 Jul 25 0.75 Yr. Data below for SBI Magnum Children's Benefit Plan as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 28.55% Equity 22.2% Debt 49.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -11% ₹14 Cr 1,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹10 Cr 1,000,000 Sundaram Finance Limited
Debentures | -4% ₹5 Cr 500 Powerica Ltd (Industrials)
Equity, Since 31 Mar 26 | POWERICA4% ₹5 Cr 126,577
↑ 126,577 National Bank For Agriculture And Rural Development
Debentures | -4% ₹5 Cr 500 LIC Housing Finance Ltd
Debentures | -4% ₹5 Cr 500 State Government Of Rajasthan
Sovereign Bonds | -4% ₹5 Cr 500,000 State Government Of Karnataka
Sovereign Bonds | -4% ₹5 Cr 500,000 6.48% Govt Stock 2035
Sovereign Bonds | -4% ₹5 Cr 500,000 Tamil Nadu (Government of) 7.57%
- | -3% ₹4 Cr 419,500
↑ 419,500 4. Tata Retirement Savings Fund - Conservative
Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (17 Apr 26) ₹31.8323 ↑ 0.10 (0.31 %) Net Assets (Cr) ₹165 on 15 Mar 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 0.32 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 31 Mar 21 ₹10,000 31 Mar 22 ₹10,553 31 Mar 23 ₹10,671 31 Mar 24 ₹12,178 31 Mar 25 ₹12,947 31 Mar 26 ₹13,032 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 1.9% 3 Month 0.1% 6 Month -0.5% 1 Year 3.4% 3 Year 8.1% 5 Year 6.4% 10 Year 15 Year Since launch 8.3% 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 9.01 Yr. Sonam Udasi 1 Apr 16 10.01 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 11.15% Equity 26.65% Debt 62.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -22% ₹34 Cr 3,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -10% ₹15 Cr 1,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -10% ₹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 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹9 Cr 900,000
↓ -100,000 6.9% Govt Stock 2065
Sovereign Bonds | -6% ₹9 Cr 1,000,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹5 Cr 05 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE1% ₹2 Cr 16,200 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK1% ₹2 Cr 18,000 5. ICICI Prudential Child Care Plan (Gift)
ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (17 Apr 26) ₹325.08 ↑ 2.53 (0.78 %) Net Assets (Cr) ₹1,404 on 28 Feb 26 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.2 Sharpe Ratio 1.01 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 31 Mar 21 ₹10,000 31 Mar 22 ₹11,764 31 Mar 23 ₹11,753 31 Mar 24 ₹16,817 31 Mar 25 ₹18,076 31 Mar 26 ₹17,760 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 5.4% 3 Month 0.4% 6 Month -1.6% 1 Year 7.8% 3 Year 17.9% 5 Year 14.5% 10 Year 15 Year Since launch 15.2% 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 3.75 Yr. Darshil Dedhia 22 Jan 24 2.19 Yr. Rohit Lakhotia 12 Jun 23 2.8 Yr. Aatur Shah 29 Aug 25 0.59 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 1.13% Equity 86.86% Debt 12.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 25 | HDFCBANK9% ₹110 Cr 1,500,000
↑ 600,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 26 | 5322155% ₹61 Cr 525,000
↑ 525,000 Atul Ltd (Basic Materials)
Equity, Since 31 Aug 25 | ATUL5% ₹57 Cr 90,000 Vedanta Limited
Debentures | -4% ₹50 Cr 5,000 Bajaj Finserv Ltd (Financial Services)
Equity, Since 28 Feb 26 | 5329783% ₹37 Cr 229,137
↑ 104,137 Grasim Industries Ltd (Basic Materials)
Equity, Since 28 Feb 26 | GRASIM2% ₹31 Cr 120,000
↑ 15,000 Supreme Petrochem Ltd (Basic Materials)
Equity, Since 31 Aug 25 | SPLPETRO2% ₹30 Cr 410,000
↓ -10,000 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹28 Cr 3,000,000 Timken India Ltd (Industrials)
Equity, Since 30 Sep 25 | 5221132% ₹28 Cr 87,590
↓ -12,410 ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Nov 25 | 5401332% ₹27 Cr 530,000
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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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Research Highlights for Tata Retirement Savings Fund - Progressive