+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 ₹110.98
↓ -0.02 ₹132 1.1 1.2 3.1 12.3 11.3 3.2 Tata Retirement Savings Fund-Moderate Growth ₹64.9898
↑ 0.18 ₹2,191 2.5 -1.2 -0.6 14.7 12.3 1 Tata Retirement Savings Fund - Progressive Growth ₹65.4938
↑ 0.23 ₹2,129 2.5 -2.6 -3 15.7 12.8 -1.2 Tata Retirement Savings Fund - Conservative Growth ₹31.9902
↑ 0.03 ₹174 1.2 0.2 3 8.4 6.5 3.6 ICICI Prudential Child Care Plan (Gift) Growth ₹333.38
↑ 1.66 ₹1,424 2 -0.8 7.3 17.8 16 8.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26 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 (₹132 Cr). Highest AUM (₹2,191 Cr). Upper mid AUM (₹2,129 Cr). Bottom quartile AUM (₹174 Cr). Lower mid AUM (₹1,424 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: 11.31% (bottom quartile). 5Y return: 12.26% (lower mid). 5Y return: 12.83% (upper mid). 5Y return: 6.53% (bottom quartile). 5Y return: 15.96% (top quartile). Point 6 3Y return: 12.33% (bottom quartile). 3Y return: 14.75% (lower mid). 3Y return: 15.66% (upper mid). 3Y return: 8.43% (bottom quartile). 3Y return: 17.82% (top quartile). Point 7 1Y return: 3.06% (upper mid). 1Y return: -0.57% (bottom quartile). 1Y return: -2.99% (bottom quartile). 1Y return: 3.01% (lower mid). 1Y return: 7.33% (top quartile). Point 8 1M return: 0.12% (upper mid). 1M return: -0.21% (bottom quartile). 1M return: -0.26% (bottom quartile). 1M return: -0.04% (lower mid). 1M return: 0.59% (top quartile). Point 9 Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: -5.96 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: -0.55 (bottom quartile). Sharpe: -0.21 (upper mid). Sharpe: -0.26 (lower mid). Sharpe: -0.37 (bottom quartile). Sharpe: 0.16 (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 (02 Jan 26) ₹110.98 ↓ -0.02 (-0.01 %) Net Assets (Cr) ₹132 on 15 Dec 25 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.21 Sharpe Ratio -0.55 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 Dec 20 ₹10,000 31 Dec 21 ₹11,828 31 Dec 22 ₹12,059 31 Dec 23 ₹14,103 31 Dec 24 ₹16,560 31 Dec 25 ₹17,093
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 2 Jan 26 Duration Returns 1 Month 0.1% 3 Month 1.1% 6 Month 1.2% 1 Year 3.1% 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 4.88 Yr. Lokesh Mallya 1 Jul 25 0.42 Yr. Data below for SBI Magnum Children's Benefit Plan as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 9.45% Equity 19.35% Debt 71.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -22% ₹29 Cr 3,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -15% ₹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 6.48% Govt Stock 2035
Sovereign Bonds | -4% ₹5 Cr 500,000
↑ 500,000 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 2. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (02 Jan 26) ₹64.9898 ↑ 0.18 (0.28 %) Net Assets (Cr) ₹2,191 on 30 Nov 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.21 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 Dec 20 ₹10,000 31 Dec 21 ₹12,048 31 Dec 22 ₹11,820 31 Dec 23 ₹14,816 31 Dec 24 ₹17,708 31 Dec 25 ₹17,894 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month -0.2% 3 Month 2.5% 6 Month -1.2% 1 Year -0.6% 3 Year 14.7% 5 Year 12.3% 10 Year 15 Year Since launch 14.1% 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 8.67 Yr. Sonam Udasi 1 Apr 16 9.67 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 4.23% Equity 82.17% Debt 13.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹127 Cr 12,500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK6% ₹122 Cr 1,214,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹100 Cr 639,000
↑ 27,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE4% ₹86 Cr 297,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO4% ₹85 Cr 266,500 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK3% ₹75 Cr 540,000
↑ 234,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹74 Cr 55,787
↑ 332 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹72 Cr 2,412,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹66 Cr 211,500 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹65 Cr 1,620,000 3. Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (02 Jan 26) ₹65.4938 ↑ 0.23 (0.35 %) Net Assets (Cr) ₹2,129 on 30 Nov 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.26 Information Ratio -0.1 Alpha Ratio -5.96 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 Dec 20 ₹10,000 31 Dec 21 ₹12,327 31 Dec 22 ₹11,842 31 Dec 23 ₹15,272 31 Dec 24 ₹18,584 31 Dec 25 ₹18,356 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month -0.3% 3 Month 2.5% 6 Month -2.6% 1 Year -3% 3 Year 15.7% 5 Year 12.8% 10 Year 15 Year Since launch 14.2% 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 8.67 Yr. Sonam Udasi 1 Apr 16 9.67 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 5.69% Equity 94.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK7% ₹141 Cr 1,400,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹114 Cr 729,000
↑ 27,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE4% ₹94 Cr 324,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK4% ₹86 Cr 621,000
↑ 243,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS4% ₹85 Cr 63,982
↑ 347 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433204% ₹82 Cr 2,718,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO4% ₹80 Cr 249,600 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS4% ₹76 Cr 243,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹75 Cr 1,863,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Apr 25 | MCX3% ₹56 Cr 55,452 4. Tata Retirement Savings Fund - Conservative
Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (02 Jan 26) ₹31.9902 ↑ 0.03 (0.08 %) Net Assets (Cr) ₹174 on 15 Dec 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio -0.37 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 Dec 20 ₹10,000 31 Dec 21 ₹10,758 31 Dec 22 ₹10,770 31 Dec 23 ₹12,070 31 Dec 24 ₹13,264 31 Dec 25 ₹13,741 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0% 3 Month 1.2% 6 Month 0.2% 1 Year 3% 3 Year 8.4% 5 Year 6.5% 10 Year 15 Year Since launch 8.6% 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 8.67 Yr. Sonam Udasi 1 Apr 16 9.67 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 10.33% Equity 28.37% Debt 61.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -20% ₹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 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹10 Cr 1,000,000 7.36% Govt Stock 2052
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 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK2% ₹4 Cr 36,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE2% ₹3 Cr 18,000 5. ICICI Prudential Child Care Plan (Gift)
ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (02 Jan 26) ₹333.38 ↑ 1.66 (0.50 %) Net Assets (Cr) ₹1,424 on 30 Nov 25 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.2 Sharpe Ratio 0.16 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 Dec 20 ₹10,000 31 Dec 21 ₹12,477 31 Dec 22 ₹12,801 31 Dec 23 ₹16,535 31 Dec 24 ₹19,336 31 Dec 25 ₹20,933 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month -0.8% 1 Year 7.3% 3 Year 17.8% 5 Year 16% 10 Year 15 Year Since launch 15.5% 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 3.42 Yr. Darshil Dedhia 22 Jan 24 1.86 Yr. Rohit Lakhotia 12 Jun 23 2.47 Yr. Aatur Shah 29 Aug 25 0.26 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 0.86% Equity 86.31% Debt 12.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 25 | HDFCBANK7% ₹101 Cr 1,000,000
↑ 50,000 6.54% Govt Stock 2034
Sovereign Bonds | -4% ₹60 Cr 5,866,260 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 25 | ICICIBANK4% ₹56 Cr 400,000
↑ 50,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 25 | RELIANCE4% ₹52 Cr 330,000
↑ 330,000 Atul Ltd (Basic Materials)
Equity, Since 31 Aug 25 | ATUL3% ₹43 Cr 72,494
↑ 2,494 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 30 Sep 25 | SUNPHARMA3% ₹41 Cr 225,000
↓ -50,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 25 | TCS3% ₹39 Cr 125,000 Timken India Ltd (Industrials)
Equity, Since 30 Sep 25 | TIMKEN2% ₹31 Cr 96,969
↑ 6,969 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹30 Cr 3,000,000
↑ 500,000 United Spirits Ltd (Consumer Defensive)
Equity, Since 30 Sep 25 | UNITDSPR2% ₹29 Cr 200,000
↑ 75,000
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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 SBI Magnum Children's Benefit Plan