+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 (%) 2025 (%) SBI Magnum Children's Benefit Plan Growth ₹118.777
↑ 0.11 ₹145 5.3 7.6 8 11.8 10.3 3.2 Tata Retirement Savings Fund - Progressive Growth ₹69.0161
↑ 0.27 ₹2,164 6.4 8.9 6.7 13.2 11 -1.2 Tata Retirement Savings Fund-Moderate Growth ₹67.9754
↑ 0.24 ₹2,177 5.7 7.8 6.5 12.2 10.8 1 Tata Retirement Savings Fund - Conservative Growth ₹32.8872
↑ 0.04 ₹168 3.1 3.8 3.9 7.3 6.2 3.6 ICICI Prudential Child Care Plan (Gift) Growth ₹330.06
↑ 1.95 ₹1,417 1.1 2.8 0.6 13.4 12.8 8.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 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 (₹145 Cr). Upper mid AUM (₹2,164 Cr). Highest AUM (₹2,177 Cr). Bottom quartile AUM (₹168 Cr). Lower mid AUM (₹1,417 Cr). Point 2 Oldest track record among peers (24 yrs). Established history (14+ yrs). Established history (14+ 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: 10.26% (bottom quartile). 5Y return: 11.04% (upper mid). 5Y return: 10.82% (lower mid). 5Y return: 6.23% (bottom quartile). 5Y return: 12.76% (top quartile). Point 6 3Y return: 11.83% (bottom quartile). 3Y return: 13.19% (upper mid). 3Y return: 12.23% (lower mid). 3Y return: 7.28% (bottom quartile). 3Y return: 13.41% (top quartile). Point 7 1Y return: 8.03% (top quartile). 1Y return: 6.68% (upper mid). 1Y return: 6.48% (lower mid). 1Y return: 3.89% (bottom quartile). 1Y return: 0.62% (bottom quartile). Point 8 1M return: 0.81% (bottom quartile). 1M return: 2.52% (top quartile). 1M return: 2.15% (upper mid). 1M return: 0.69% (bottom quartile). 1M return: 1.13% (lower mid). Point 9 Alpha: 0.00 (upper mid). Alpha: 2.66 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.32 (top quartile). Sharpe: -0.22 (lower mid). Sharpe: -0.22 (upper mid). Sharpe: -0.45 (bottom quartile). Sharpe: -0.42 (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 (31 Jul 26) ₹118.777 ↑ 0.11 (0.09 %) Net Assets (Cr) ₹145 on 30 Jun 26 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.21 Sharpe Ratio 0.32 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 Jul 21 ₹10,000 31 Jul 22 ₹10,427 31 Jul 23 ₹11,651 31 Jul 24 ₹14,046 31 Jul 25 ₹15,083
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 31 Jul 26 Duration Returns 1 Month 0.8% 3 Month 5.3% 6 Month 7.6% 1 Year 8% 3 Year 11.8% 5 Year 10.3% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2025 3.2% 2024 17.4% 2023 16.9% 2022 1.9% 2021 18.3% 2020 14.8% 2019 2.6% 2018 0.1% 2017 24.3% 2016 16.1% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 5.47 Yr. Lokesh Mallya 1 Jul 25 1 Yr. Data below for SBI Magnum Children's Benefit Plan as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 20.79% Equity 20.64% Debt 58.56% 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 Kalinga Steel Limited
Debentures | -4% ₹5 Cr 500 Small Industries Development Bank Of India
Debentures | -4% ₹5 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹5 Cr 500 Lodha Developers Limited
Debentures | -4% ₹5 Cr 500
↑ 500 Rec Limited
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 2. Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (31 Jul 26) ₹69.0161 ↑ 0.27 (0.40 %) Net Assets (Cr) ₹2,164 on 30 Jun 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.22 Information Ratio 0.12 Alpha Ratio 2.66 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 Jul 21 ₹10,000 31 Jul 22 ₹9,982 31 Jul 23 ₹11,644 31 Jul 24 ₹16,163 31 Jul 25 ₹15,827 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 2.5% 3 Month 6.4% 6 Month 8.9% 1 Year 6.7% 3 Year 13.2% 5 Year 11% 10 Year 15 Year Since launch 14% Historical performance (Yearly) on absolute basis
Year Returns 2025 -1.2% 2024 21.7% 2023 29% 2022 -3.9% 2021 23.3% 2020 14.4% 2019 11.5% 2018 -6.1% 2017 49.1% 2016 3.1% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 9.25 Yr. Sonam Udasi 1 Apr 16 10.25 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 5.63% Equity 94.37% Top Securities Holdings / Portfolio
Name Holding Value Quantity Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS6% ₹118 Cr 64,800
↓ -5,400 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK5% ₹100 Cr 792,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE5% ₹97 Cr 234,000
↓ -9,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹86 Cr 648,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Apr 25 | MCX3% ₹72 Cr 243,000
↓ -27,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | ETERNAL3% ₹69 Cr 2,763,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹63 Cr 180,000
↓ -9,000 Polycab India Ltd (Industrials)
Equity, Since 31 Dec 20 | POLYCAB3% ₹60 Cr 63,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | NAM-INDIA3% ₹58 Cr 531,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹53 Cr 1,863,000 3. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (31 Jul 26) ₹67.9754 ↑ 0.24 (0.35 %) Net Assets (Cr) ₹2,177 on 30 Jun 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.22 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 Jul 21 ₹10,000 31 Jul 22 ₹10,187 31 Jul 23 ₹11,822 31 Jul 24 ₹15,657 31 Jul 25 ₹15,696 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 2.2% 3 Month 5.7% 6 Month 7.8% 1 Year 6.5% 3 Year 12.2% 5 Year 10.8% 10 Year 15 Year Since launch 13.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 1% 2024 19.5% 2023 25.3% 2022 -1.9% 2021 20.5% 2020 15.1% 2019 8.6% 2018 -3.6% 2017 38.8% 2016 6.7% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 9.25 Yr. Amit Somani 1 Jun 26 0.08 Yr. Sonam Udasi 1 Apr 16 10.25 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 3.45% Equity 81.96% Debt 14.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS5% ₹103 Cr 56,700
↓ -3,600 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK4% ₹86 Cr 684,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE4% ₹85 Cr 206,000
↓ -9,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹76 Cr 576,000 6.36% Govt Stock 2031
Sovereign Bonds | -3% ₹69 Cr 7,000,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | ETERNAL3% ₹62 Cr 2,457,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Apr 25 | MCX3% ₹61 Cr 207,000
↓ -27,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹57 Cr 162,000
↓ -9,000 Polycab India Ltd (Industrials)
Equity, Since 31 Dec 20 | POLYCAB2% ₹51 Cr 54,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | NAM-INDIA2% ₹50 Cr 459,000 4. Tata Retirement Savings Fund - Conservative
Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (31 Jul 26) ₹32.8872 ↑ 0.04 (0.13 %) Net Assets (Cr) ₹168 on 30 Jun 26 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio -0.45 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 Jul 21 ₹10,000 31 Jul 22 ₹10,111 31 Jul 23 ₹10,958 31 Jul 24 ₹12,563 31 Jul 25 ₹13,024 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 0.7% 3 Month 3.1% 6 Month 3.8% 1 Year 3.9% 3 Year 7.3% 5 Year 6.2% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.6% 2024 9.9% 2023 12.1% 2022 0.1% 2021 7.6% 2020 11.8% 2019 7.6% 2018 0.8% 2017 15.1% 2016 10.6% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 9.25 Yr. Amit Somani 1 Jun 26 0.08 Yr. Sonam Udasi 1 Apr 16 10.25 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 3.26% Equity 28.47% Debt 68.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -21% ₹35 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 Solar Industries India Ltd (Basic Materials)
Equity, Since 30 Apr 23 | SOLARINDS1% ₹2 Cr 1,404
↓ -36 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 (31 Jul 26) ₹330.06 ↑ 1.95 (0.59 %) Net Assets (Cr) ₹1,417 on 30 Jun 26 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.2 Sharpe Ratio -0.42 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 Jul 21 ₹10,000 31 Jul 22 ₹10,566 31 Jul 23 ₹12,497 31 Jul 24 ₹17,624 31 Jul 25 ₹18,115 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 1.1% 3 Month 1.1% 6 Month 2.8% 1 Year 0.6% 3 Year 13.4% 5 Year 12.8% 10 Year 15 Year Since launch 15.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.3% 2024 16.9% 2023 29.2% 2022 2.6% 2021 24.8% 2020 8.8% 2019 8.5% 2018 -1.9% 2017 25% 2016 6.9% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Sharmila D’mello 30 Jun 22 4 Yr. Darshil Dedhia 22 Jan 24 2.44 Yr. Rohit Lakhotia 12 Jun 23 3.05 Yr. Aatur Shah 29 Aug 25 0.84 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 2.94% Equity 83.38% Debt 13.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 26 | RELIANCE8% ₹119 Cr 900,000
↑ 25,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 25 | HDFCBANK7% ₹97 Cr 1,300,000
↓ -50,000 Atul Ltd (Basic Materials)
Equity, Since 31 Aug 25 | ATUL4% ₹62 Cr 90,000 Vedanta Limited
Debentures | -4% ₹50 Cr 5,000 State Bank of India (Financial Services)
Equity, Since 31 May 26 | SBIN3% ₹48 Cr 500,000
↑ 500,000 Infosys Ltd (Technology)
Equity, Since 31 Jan 26 | INFY3% ₹46 Cr 400,000
↑ 40,000 Bajaj Holdings and Investment Ltd (Financial Services)
Equity, Since 31 Dec 25 | BAJAJHLDNG3% ₹44 Cr 42,500
↑ 18,440 HCL Technologies Ltd (Technology)
Equity, Since 28 Feb 26 | HCLTECH3% ₹40 Cr 337,865
↑ 67,865 Grasim Industries Ltd (Basic Materials)
Equity, Since 28 Feb 26 | GRASIM3% ₹36 Cr 115,000
↓ -5,000 Syngene International Ltd (Healthcare)
Equity, Since 28 Feb 26 | SYNGENE2% ₹35 Cr 784,702
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