ভারতের নিরাপত্তা ও বিনিময় বোর্ড (সেবি) এর অধীনে একটি নতুন শ্রেণিবিন্যাস ‘সমাধান ওরিয়েন্টেড স্কিম’ চালু করেছেযৌথ পুঁজি. এই তহবিলগুলি দীর্ঘমেয়াদী লক্ষ্য পরিকল্পনার জন্য গুরুত্বপূর্ণ, বিশেষ করে-অবসর পরিকল্পনা এবং একটি শিশুর শিক্ষা। সুতরাং, আপনি যদি একই লক্ষ্য-ভিত্তিক কিছুর দিকে তাকিয়ে থাকেনবিনিয়োগ, তাহলে আপনি সঠিক জায়গায় আছেন। আসুন এই তহবিলগুলিকে বিশদভাবে দেখি, সাথে বিনিয়োগের জন্য কিছু সেরা সমাধান ভিত্তিক পরিকল্পনা।
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সমাধান ভিত্তিক স্কিমগুলি সেই বিনিয়োগকারীদের জন্য সহায়ক যারা দীর্ঘমেয়াদী সম্পদ তৈরি করতে চান যার মধ্যে প্রধানত অবসর পরিকল্পনা এবং একটি শিশুর ভবিষ্যত শিক্ষা অন্তর্ভুক্তমিউচুয়াল ফান্ডে বিনিয়োগ. আগে, এই পরিকল্পনাগুলি ইক্যুইটি বা সুষম স্কিমগুলির একটি অংশ ছিল, কিন্তু SEBI-এর নতুন প্রচলন অনুসারে, এই তহবিলগুলি পৃথকভাবে সমাধান ভিত্তিক স্কিমগুলির অধীনে শ্রেণীবদ্ধ করা হয়েছে।
এছাড়াও, এই স্কিমগুলিতে তিন বছরের জন্য লক-ইন থাকত, কিন্তু এখন এই তহবিলগুলিতে পাঁচ বছরের বাধ্যতামূলক লক-ইন রয়েছে। এই বিনিয়োগ লক্ষ্যগুলি অর্জনের জন্য বিনিয়োগকারীদের দীর্ঘ সময়ের জন্য বিনিয়োগ রাখার জন্য এটি আদর্শভাবে একটি ভাল উপায়। এটি বিনিয়োগে শৃঙ্খলা বজায় রাখে।
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI Magnum Children's Benefit Plan Growth ₹108.87
↑ 0.04 ₹128 0.2 4.1 5 12.5 13.2 17.4 Tata Retirement Savings Fund-Moderate Growth ₹63.4968
↑ 0.18 ₹2,230 1.7 8.3 1.9 14.2 15.1 19.5 Tata Retirement Savings Fund - Progressive Growth ₹64.2444
↑ 0.21 ₹2,178 1.6 8.5 -0.2 15.1 16.1 21.7 Tata Retirement Savings Fund - Conservative Growth ₹31.4941
↑ 0.04 ₹180 0.9 5 3.6 8.2 7.6 9.9 ICICI Prudential Child Care Plan (Gift) Growth ₹327.46
↑ 2.47 ₹1,424 5.4 11.5 6.3 18.6 19.2 16.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 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 (₹128 Cr). Highest AUM (₹2,230 Cr). Upper mid AUM (₹2,178 Cr). Bottom quartile AUM (₹180 Cr). Lower mid AUM (₹1,424 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (23+ 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: 13.21% (bottom quartile). 5Y return: 15.07% (lower mid). 5Y return: 16.14% (upper mid). 5Y return: 7.56% (bottom quartile). 5Y return: 19.19% (top quartile). Point 6 3Y return: 12.47% (bottom quartile). 3Y return: 14.15% (lower mid). 3Y return: 15.07% (upper mid). 3Y return: 8.18% (bottom quartile). 3Y return: 18.56% (top quartile). Point 7 1Y return: 4.98% (upper mid). 1Y return: 1.89% (bottom quartile). 1Y return: -0.23% (bottom quartile). 1Y return: 3.61% (lower mid). 1Y return: 6.26% (top quartile). Point 8 1M return: -1.34% (lower mid). 1M return: -1.82% (bottom quartile). 1M return: -2.40% (bottom quartile). 1M return: -0.82% (upper mid). 1M return: -0.65% (top quartile). Point 9 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 1.79 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.64 (top quartile). Sharpe: 0.18 (lower mid). Sharpe: 0.12 (bottom quartile). Sharpe: -0.01 (bottom quartile). Sharpe: 0.19 (upper mid). 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 (13 Aug 25) ₹108.87 ↑ 0.04 (0.03 %) Net Assets (Cr) ₹128 on 30 Jun 25 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.2 Sharpe Ratio 0.64 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 20 ₹10,000 31 Jul 21 ₹12,609 31 Jul 22 ₹13,147 31 Jul 23 ₹14,690 31 Jul 24 ₹17,710 31 Jul 25 ₹19,017
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 13 Aug 25 Duration Returns 1 Month -1.3% 3 Month 0.2% 6 Month 4.1% 1 Year 5% 3 Year 12.5% 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 4.55 Yr. Lokesh Mallya 1 Jul 25 0.08 Yr. Data below for SBI Magnum Children's Benefit Plan as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 15.66% Equity 18.46% Debt 65.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -16% ₹21 Cr 2,000,000 7.38% State Government Of Uttar Pradesh 2036
Sovereign Bonds | -12% ₹16 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 Rajasthan (Government of ) 7.49%
- | -4% ₹5 Cr 500,000 LIC Housing Finance Ltd
Debentures | -4% ₹5 Cr 500 Nexus Select TRust
Debentures | -4% ₹5 Cr 500 Mahindra And Mahindra Financial Services Limited
Debentures | -4% ₹5 Cr 500 Gs CG 16/12/2026 - (Strips) Tb
Sovereign Bonds | -3% ₹3 Cr 375,000 Muthoot Finance Limited
Debentures | -2% ₹3 Cr 300 2. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (13 Aug 25) ₹63.4968 ↑ 0.18 (0.28 %) Net Assets (Cr) ₹2,230 on 30 Jun 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 0.18 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 20 ₹10,000 31 Jul 21 ₹13,232 31 Jul 22 ₹13,479 31 Jul 23 ₹15,642 31 Jul 24 ₹20,717 31 Jul 25 ₹20,768 Returns for Tata Retirement Savings Fund-Moderate
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Aug 25 Duration Returns 1 Month -1.8% 3 Month 1.7% 6 Month 8.3% 1 Year 1.9% 3 Year 14.2% 5 Year 15.1% 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 8.34 Yr. Sonam Udasi 1 Apr 16 9.34 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 5.63% Equity 81.35% Debt 13.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK6% ₹138 Cr 687,500 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹129 Cr 12,500,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS4% ₹90 Cr 51,155 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹85 Cr 567,900
↑ 9,900 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE4% ₹82 Cr 297,000
↓ -27,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹73 Cr 211,500 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹70 Cr 266,500 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹67 Cr 1,613,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹64 Cr 2,412,000 Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL2% ₹49 Cr 333,000 3. Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (13 Aug 25) ₹64.2444 ↑ 0.21 (0.33 %) Net Assets (Cr) ₹2,178 on 30 Jun 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 0.12 Information Ratio -0.13 Alpha Ratio 1.79 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 20 ₹10,000 31 Jul 21 ₹13,820 31 Jul 22 ₹13,796 31 Jul 23 ₹16,092 31 Jul 24 ₹22,338 31 Jul 25 ₹21,874 Returns for Tata Retirement Savings Fund - Progressive
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Aug 25 Duration Returns 1 Month -2.4% 3 Month 1.6% 6 Month 8.5% 1 Year -0.2% 3 Year 15.1% 5 Year 16.1% 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 8.34 Yr. Sonam Udasi 1 Apr 16 9.34 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 4.73% Equity 95.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK7% ₹151 Cr 754,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS5% ₹102 Cr 58,135 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹99 Cr 657,000
↑ 36,001 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE4% ₹90 Cr 324,000
↓ -27,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS4% ₹84 Cr 243,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹77 Cr 1,853,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹72 Cr 2,718,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹65 Cr 249,600 Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL3% ₹56 Cr 378,000 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Dec 22 | 5900032% ₹49 Cr 1,836,000 4. Tata Retirement Savings Fund - Conservative
Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (13 Aug 25) ₹31.4941 ↑ 0.04 (0.11 %) Net Assets (Cr) ₹180 on 30 Jun 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio -0.01 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 20 ₹10,000 31 Jul 21 ₹11,189 31 Jul 22 ₹11,313 31 Jul 23 ₹12,261 31 Jul 24 ₹14,057 31 Jul 25 ₹14,573 Returns for Tata Retirement Savings Fund - Conservative
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Aug 25 Duration Returns 1 Month -0.8% 3 Month 0.9% 6 Month 5% 1 Year 3.6% 3 Year 8.2% 5 Year 7.6% 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 8.34 Yr. Sonam Udasi 1 Apr 16 9.34 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 11.27% Equity 28.58% Debt 60.15% 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 Bharti Telecom Limited
Debentures | -3% ₹5 Cr 50 8.2% Govt Stock 2025
Sovereign Bonds | -3% ₹5 Cr 500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK2% ₹4 Cr 18,000
↓ -2,750 5. ICICI Prudential Child Care Plan (Gift)
ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (13 Aug 25) ₹327.46 ↑ 2.47 (0.76 %) Net Assets (Cr) ₹1,424 on 30 Jun 25 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 0.19 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 20 ₹10,000 31 Jul 21 ₹13,456 31 Jul 22 ₹14,218 31 Jul 23 ₹16,816 31 Jul 24 ₹23,716 31 Jul 25 ₹24,376 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Aug 25 Duration Returns 1 Month -0.7% 3 Month 5.4% 6 Month 11.5% 1 Year 6.3% 3 Year 18.6% 5 Year 19.2% 10 Year 15 Year Since launch 15.7% 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 Lalit Kumar 1 Jun 22 3.17 Yr. Sharmila D’mello 30 Jun 22 3.09 Yr. Darshil Dedhia 22 Jan 24 1.52 Yr. Rohit Lakhotia 12 Jun 23 2.14 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 2.64% Equity 85.86% Debt 11.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Jun 22 | 5325386% ₹81 Cr 66,700 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL5% ₹77 Cr 384,788 InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 24 | INDIGO5% ₹69 Cr 115,081 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | M&M5% ₹69 Cr 215,743
↑ 30,000 6.99% Govt Stock 2034
Sovereign Bonds | -4% ₹60 Cr 5,866,260 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 Jul 24 | MCX4% ₹58 Cr 64,289 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 30 Jun 24 | HAL3% ₹44 Cr 90,000 PB Fintech Ltd (Financial Services)
Equity, Since 31 Jan 25 | 5433903% ₹44 Cr 240,000 JSW Steel Ltd (Basic Materials)
Equity, Since 31 Aug 22 | JSWSTEEL3% ₹42 Cr 409,287 Tech Mahindra Ltd (Technology)
Equity, Since 31 Jul 23 | 5327553% ₹38 Cr 226,374
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Research Highlights for SBI Magnum Children's Benefit Plan