+91-22-489139095 Best Solution Oriented Schemes to Invest in 2025
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.
Top 5 Best Performing Solution Oriented Schemes FY 25 - 26
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI Magnum Children's Benefit Plan Growth ₹110.282
↑ 0.17 ₹129 0.2 2.1 4.3 12.4 13.2 17.4 Tata Retirement Savings Fund-Moderate Growth ₹65.332
↓ -0.30 ₹2,115 2.4 6.7 4.3 15.1 15 19.5 Tata Retirement Savings Fund - Progressive Growth ₹66.0303
↓ -0.36 ₹2,047 2.2 6.9 2.7 16 16 21.7 Tata Retirement Savings Fund - Conservative Growth ₹31.977
↓ -0.05 ₹177 1.1 3.3 4.6 8.6 7.5 9.9 ICICI Prudential Child Care Plan (Gift) Growth ₹332.45
↓ -0.31 ₹1,373 1.6 8.7 8.1 18.4 19 16.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Oct 25 Research Highlights & Commentary of 5 Funds showcased
Commentary SBI Magnum Children's Benefit Plan Tata Retirement Savings Fund-Moderate Tata Retirement Savings Fund - Progressive Tata Retirement Savings Fund - Conservative ICICI Prudential Child Care Plan (Gift) Point 1 Bottom quartile AUM (₹129 Cr). Highest AUM (₹2,115 Cr). Upper mid AUM (₹2,047 Cr). Bottom quartile AUM (₹177 Cr). Lower mid AUM (₹1,373 Cr). Point 2 Established history (23+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Oldest track record among peers (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: 13.23% (bottom quartile). 5Y return: 14.99% (lower mid). 5Y return: 15.96% (upper mid). 5Y return: 7.52% (bottom quartile). 5Y return: 18.97% (top quartile). Point 6 3Y return: 12.44% (bottom quartile). 3Y return: 15.06% (lower mid). 3Y return: 15.99% (upper mid). 3Y return: 8.65% (bottom quartile). 3Y return: 18.44% (top quartile). Point 7 1Y return: 4.33% (lower mid). 1Y return: 4.32% (bottom quartile). 1Y return: 2.70% (bottom quartile). 1Y return: 4.57% (upper mid). 1Y return: 8.11% (top quartile). Point 8 1M return: 0.60% (bottom quartile). 1M return: 3.87% (upper mid). 1M return: 4.32% (top quartile). 1M return: 1.54% (bottom quartile). 1M return: 2.14% (lower mid). Point 9 Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: -0.19 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: -0.57 (lower mid). Sharpe: -0.56 (upper mid). Sharpe: -0.60 (bottom quartile). Sharpe: -0.78 (bottom quartile). Sharpe: -0.26 (top quartile). SBI Magnum Children's Benefit Plan
Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund - Progressive
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-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 - 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 - 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 (28 Oct 25) ₹110.282 ↑ 0.17 (0.15 %) Net Assets (Cr) ₹129 on 15 Sep 25 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.21 Sharpe Ratio -0.57 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 20 ₹10,000 30 Sep 21 ₹12,632 30 Sep 22 ₹13,251 30 Sep 23 ₹14,959 30 Sep 24 ₹18,207 30 Sep 25 ₹18,706
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 28 Oct 25 Duration Returns 1 Month 0.6% 3 Month 0.2% 6 Month 2.1% 1 Year 4.3% 3 Year 12.4% 5 Year 13.2% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 4.72 Yr. Lokesh Mallya 1 Jul 25 0.25 Yr. Data below for SBI Magnum Children's Benefit Plan as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 5.22% Equity 17.44% Debt 77.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -30% ₹40 Cr 4,000,000
↑ 4,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -16% ₹20 Cr 2,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹10 Cr 1,000,000 Sundaram Finance Limited
Debentures | -4% ₹5 Cr 500 LIC Housing Finance Ltd
Debentures | -4% ₹5 Cr 500 Nexus Select TRust
Debentures | -4% ₹5 Cr 500 Gs CG 16/12/2026 - (Strips) Tb
Sovereign Bonds | -3% ₹4 Cr 375,000 Muthoot Finance Limited
Debentures | -2% ₹3 Cr 300 Avanse Financial Services Limited
Debentures | -2% ₹3 Cr 300 Cube Highways TRust
Debentures | -2% ₹3 Cr 300 2. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (28 Oct 25) ₹65.332 ↓ -0.30 (-0.45 %) Net Assets (Cr) ₹2,115 on 31 Aug 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.57 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 20 ₹10,000 30 Sep 21 ₹13,658 30 Sep 22 ₹13,337 30 Sep 23 ₹15,398 30 Sep 24 ₹20,487 30 Sep 25 ₹19,679 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 25 Duration Returns 1 Month 3.9% 3 Month 2.4% 6 Month 6.7% 1 Year 4.3% 3 Year 15.1% 5 Year 15% 10 Year 15 Year Since launch 14.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7.7% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 8.51 Yr. Sonam Udasi 1 Apr 16 9.51 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 3.08% Equity 82.64% Debt 14.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹126 Cr 12,500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK5% ₹115 Cr 1,214,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹81 Cr 594,000
↑ 26,100 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433204% ₹79 Cr 2,412,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO4% ₹77 Cr 266,500 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹74 Cr 55,455 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹65 Cr 1,613,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹61 Cr 211,500 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE3% ₹61 Cr 297,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | NAM-INDIA2% ₹46 Cr 531,000 3. Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (28 Oct 25) ₹66.0303 ↓ -0.36 (-0.54 %) Net Assets (Cr) ₹2,047 on 31 Aug 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.6 Information Ratio -0.12 Alpha Ratio -0.19 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 20 ₹10,000 30 Sep 21 ₹14,202 30 Sep 22 ₹13,568 30 Sep 23 ₹15,797 30 Sep 24 ₹22,078 30 Sep 25 ₹20,428 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 25 Duration Returns 1 Month 4.3% 3 Month 2.2% 6 Month 6.9% 1 Year 2.7% 3 Year 16% 5 Year 16% 10 Year 15 Year Since launch 14.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7.8% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 8.51 Yr. Sonam Udasi 1 Apr 16 9.51 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 4.47% Equity 95.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK7% ₹133 Cr 1,400,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹93 Cr 684,000
↑ 27,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433204% ₹88 Cr 2,718,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS4% ₹85 Cr 63,635 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹74 Cr 1,853,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO4% ₹72 Cr 249,600 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹70 Cr 243,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE3% ₹66 Cr 324,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | NAM-INDIA3% ₹52 Cr 603,000 Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL2% ₹49 Cr 378,000 4. Tata Retirement Savings Fund - Conservative
Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (28 Oct 25) ₹31.977 ↓ -0.05 (-0.17 %) Net Assets (Cr) ₹177 on 15 Sep 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio -0.79 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 20 ₹10,000 30 Sep 21 ₹11,391 30 Sep 22 ₹11,301 30 Sep 23 ₹12,280 30 Sep 24 ₹14,159 30 Sep 25 ₹14,331 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 25 Duration Returns 1 Month 1.5% 3 Month 1.1% 6 Month 3.3% 1 Year 4.6% 3 Year 8.6% 5 Year 7.5% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6.4% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 8.51 Yr. Sonam Udasi 1 Apr 16 9.51 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 10% Equity 28.89% Debt 61.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -20% ₹36 Cr 3,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -9% ₹16 Cr 1,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹10 Cr 1,000,000 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹10 Cr 100 8.24% Govt Stock 2027
Sovereign Bonds | -3% ₹5 Cr 500,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹5 Cr 05 Bharti Telecom Limited
Debentures | -3% ₹5 Cr 50 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK2% ₹4 Cr 36,000 5. ICICI Prudential Child Care Plan (Gift)
ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (28 Oct 25) ₹332.45 ↓ -0.31 (-0.09 %) Net Assets (Cr) ₹1,373 on 31 Aug 25 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.2 Sharpe Ratio -0.26 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 20 ₹10,000 30 Sep 21 ₹14,257 30 Sep 22 ₹14,589 30 Sep 23 ₹17,103 30 Sep 24 ₹24,193 30 Sep 25 ₹24,048 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 25 Duration Returns 1 Month 2.1% 3 Month 1.6% 6 Month 8.7% 1 Year 8.1% 3 Year 18.4% 5 Year 19% 10 Year 15 Year Since launch 15.6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 0.2% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Sharmila D’mello 30 Jun 22 3.26 Yr. Darshil Dedhia 22 Jan 24 1.69 Yr. Rohit Lakhotia 12 Jun 23 2.31 Yr. Aatur Shah 29 Aug 25 0.09 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 1.49% Equity 85.99% Debt 12.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL5% ₹72 Cr 384,788 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 25 | LT5% ₹66 Cr 180,000
↑ 180,000 6.99% Govt Stock 2034
Sovereign Bonds | -4% ₹60 Cr 5,866,260 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 30 Sep 25 | SUNPHARMA3% ₹44 Cr 275,000
↑ 275,000 Atul Ltd (Basic Materials)
Equity, Since 31 Aug 25 | ATUL3% ₹41 Cr 67,246
↑ 57,425 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 25 | ICICIBANK3% ₹40 Cr 300,000
↑ 300,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 25 | TCS3% ₹36 Cr 125,000
↑ 75,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Jul 23 | 5327552% ₹32 Cr 225,000
↑ 25,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Jun 22 | 5325382% ₹31 Cr 25,000
↓ -41,700 NTPC Ltd (Utilities)
Equity, Since 30 Sep 25 | 5325552% ₹27 Cr 800,000
↑ 800,000
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Research Highlights for SBI Magnum Children's Benefit Plan