2022 में निवेश करने के लिए 5 सर्वश्रेष्ठ समाधान उन्मुख योजनाएं

Updated on September 4, 2026 , 5150 views

भारतीय सुरक्षा और विनिमय बोर्ड (सेबी) ने के तहत एक नया वर्गीकरण 'समाधान उन्मुख योजनाओं' की शुरुआत की हैम्यूचुअल फंड्स. ये फंड लंबी अवधि के लक्ष्य नियोजन के लिए महत्वपूर्ण हैं, खासकर के लिए-सेवानिवृत्ति योजना और एक बच्चे की शिक्षा। इसलिए, यदि आप समान लक्ष्य-वार किसी चीज़ को देख रहे हैंनिवेश, फिर आप सही स्थान पर हैं। आइए निवेश करने के लिए कुछ बेहतरीन समाधान उन्मुख योजनाओं के साथ इन फंडों को विस्तृत तरीके से देखें।

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समाधान उन्मुख योजनाएं क्या हैं?

समाधान उन्मुख योजनाएं उन निवेशकों के लिए सहायक होती हैं जो लंबी अवधि की संपत्ति बनाना चाहते हैं जिसमें मुख्य रूप से सेवानिवृत्ति योजना और बच्चे की भविष्य की शिक्षा शामिल है।म्यूचुअल फंड में निवेश. पहले, ये योजनाएँ इक्विटी या संतुलित योजनाओं का एक हिस्सा थीं, लेकिन सेबी के नए प्रचलन के अनुसार, इन फंडों को समाधान उन्मुख योजनाओं के तहत अलग से वर्गीकृत किया गया है।

साथ ही इन योजनाओं में तीन साल के लिए लॉक-इन होता था, लेकिन अब इन फंडों में पांच साल का अनिवार्य लॉक-इन है। इन निवेश लक्ष्यों को प्राप्त करने के लिए निवेशकों को लंबी अवधि के लिए निवेशित रखने का यह आदर्श रूप से एक अच्छा तरीका है। यह निवेश में अनुशासन बनाए रखता है।

शीर्ष 5 सर्वश्रेष्ठ प्रदर्शन समाधान उन्मुख योजनाएं वित्तीय वर्ष 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Magnum Children's Benefit Plan Growth	₹120.003 ↑ 0.41	₹146	5.3	8.7	9.6	11.4	10.4	3.2
Tata Retirement Savings Fund - Progressive Growth	₹69.7402 ↓ -0.10	₹2,217	5.7	14.3	7.7	12.3	9.6	-1.2
Tata Retirement Savings Fund-Moderate Growth	₹68.7387 ↓ -0.08	₹2,218	5.5	12.5	7.4	11.5	9.6	1
Tata Retirement Savings Fund - Conservative Growth	₹33.0255 ↓ -0.02	₹169	3	5	4.4	7	5.7	3.6
ICICI Prudential Child Care Plan (Gift) Growth	₹328.98 ↑ 0.71	₹1,434	2	3.7	0.2	12.5	11.5	8.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 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 (₹146 Cr).	Upper mid AUM (₹2,217 Cr).	Highest AUM (₹2,218 Cr).	Bottom quartile AUM (₹169 Cr).	Lower mid AUM (₹1,434 Cr).
Point 2	Established history (24+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Oldest track record among peers (25 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: 10.44% (upper mid).	5Y return: 9.65% (lower mid).	5Y return: 9.59% (bottom quartile).	5Y return: 5.73% (bottom quartile).	5Y return: 11.52% (top quartile).
Point 6	3Y return: 11.38% (bottom quartile).	3Y return: 12.33% (upper mid).	3Y return: 11.54% (lower mid).	3Y return: 6.98% (bottom quartile).	3Y return: 12.47% (top quartile).
Point 7	1Y return: 9.58% (top quartile).	1Y return: 7.71% (upper mid).	1Y return: 7.38% (lower mid).	1Y return: 4.45% (bottom quartile).	1Y return: 0.19% (bottom quartile).
Point 8	1M return: 1.02% (top quartile).	1M return: 0.40% (lower mid).	1M return: 0.44% (upper mid).	1M return: 0.08% (bottom quartile).	1M return: -1.23% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 3.37 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.42 (top quartile).	Sharpe: 0.14 (upper mid).	Sharpe: 0.12 (lower mid).	Sharpe: -0.22 (bottom quartile).	Sharpe: -0.22 (bottom quartile).

SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹146 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.44% (upper mid).
3Y return: 11.38% (bottom quartile).
1Y return: 9.58% (top quartile).
1M return: 1.02% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.42 (top quartile).

Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,217 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.65% (lower mid).
3Y return: 12.33% (upper mid).
1Y return: 7.71% (upper mid).
1M return: 0.40% (lower mid).
Alpha: 3.37 (top quartile).
Sharpe: 0.14 (upper mid).

Tata Retirement Savings Fund-Moderate

Highest AUM (₹2,218 Cr).
Established history (14+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.59% (bottom quartile).
3Y return: 11.54% (lower mid).
1Y return: 7.38% (lower mid).
1M return: 0.44% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.12 (lower mid).

Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹169 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 5.73% (bottom quartile).
3Y return: 6.98% (bottom quartile).
1Y return: 4.45% (bottom quartile).
1M return: 0.08% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.22 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Lower mid AUM (₹1,434 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.52% (top quartile).
3Y return: 12.47% (top quartile).
1Y return: 0.19% (bottom quartile).
1M return: -1.23% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.22 (bottom quartile).

1. SBI Magnum Children's Benefit Plan

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

Bottom quartile AUM (₹146 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.44% (upper mid).
3Y return: 11.38% (bottom quartile).
1Y return: 9.58% (top quartile).
1M return: 1.02% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.42 (top quartile).
Information ratio: 0.00 (upper mid).
Top sector: Consumer Cyclical.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~9.9%).

Below is the key information for SBI Magnum Children's Benefit Plan

SBI Magnum Children's Benefit Plan Growth
Launch Date	21 Feb 02
NAV (04 Sep 26)	₹120.003 ↑ 0.41 (0.34 %)
Net Assets (Cr)	₹146 on 31 Jul 26
Category	Solutions - Childrens Fund
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.21
Sharpe Ratio	0.42
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 Aug 21	₹10,000
31 Aug 22	₹10,589
31 Aug 23	₹11,912
31 Aug 24	₹14,448
31 Aug 25	₹14,976
31 Aug 26	₹16,436

SBI Magnum Children's Benefit Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Purchase not allowed

Returns for SBI Magnum Children's Benefit Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

Duration	Returns
1 Month	1%
3 Month	5.3%
6 Month	8.7%
1 Year	9.6%
3 Year	11.4%
5 Year	10.4%
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	5.55 Yr.
Lokesh Mallya	1 Jul 25	1.08 Yr.

Data below for SBI Magnum Children's Benefit Plan as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	8.49%
Equity	23.1%
Debt	68.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	10%	₹15 Cr	1,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000
Jsw Jfe Kalinga Steel Limited Debentures \| -	3%	₹5 Cr	500
Tamil Nadu (Government of) 7.73% - \| -	3%	₹5 Cr	500,000
Rajasthan (Government of ) 7.64% - \| -	3%	₹5 Cr	500,000
Bihar (Government of) 7.66% - \| -	3%	₹5 Cr	500,000
State Government Of Rajasthan Sovereign Bonds \| -	3%	₹5 Cr	500,000
State Government Of Karnataka Sovereign Bonds \| -	3%	₹5 Cr	500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹5 Cr	500
Rec Limited Debentures \| -	3%	₹5 Cr	500

2. Tata Retirement Savings Fund - Progressive

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

Upper mid AUM (₹2,217 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.65% (lower mid).
3Y return: 12.33% (upper mid).
1Y return: 7.71% (upper mid).
1M return: 0.40% (lower mid).
Alpha: 3.37 (top quartile).
Sharpe: 0.14 (upper mid).
Information ratio: 0.17 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding ICICI Bank Ltd (~5.1%).

Below is the key information for Tata Retirement Savings Fund - Progressive

Tata Retirement Savings Fund - Progressive Growth
Launch Date	1 Nov 11
NAV (04 Sep 26)	₹69.7402 ↓ -0.10 (-0.14 %)
Net Assets (Cr)	₹2,217 on 31 Jul 26
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	0.14
Information Ratio	0.17
Alpha Ratio	3.37
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 Aug 21	₹10,000
31 Aug 22	₹9,898
31 Aug 23	₹11,226
31 Aug 24	₹15,516
31 Aug 25	₹14,687
31 Aug 26	₹16,256

Tata Retirement Savings Fund - Progressive SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Tata Retirement Savings Fund - Progressive

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	5.7%
6 Month	14.3%
1 Year	7.7%
3 Year	12.3%
5 Year	9.6%
10 Year
15 Year
Since launch	14%

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	9.34 Yr.
Sonam Udasi	1 Apr 16	10.34 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.26%
Equity	96.74%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	5%	₹114 Cr	792,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	5%	₹111 Cr	60,300 ↓ -900
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	4%	₹85 Cr	648,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| ETERNAL	4%	₹82 Cr	2,700,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹74 Cr	171,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Apr 25 \| MCX	3%	₹65 Cr	243,000
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| 540767	3%	₹62 Cr	531,000
Polycab India Ltd (Industrials) Equity, Since 31 Dec 20 \| POLYCAB	3%	₹57 Cr	63,000
Rainbow Childrens Medicare Ltd (Healthcare) Equity, Since 31 Aug 25 \| 543524	2%	₹52 Cr	342,000
360 One Wam Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| 360ONE	2%	₹52 Cr	459,000

3. Tata Retirement Savings Fund-Moderate

Research Highlights for Tata Retirement Savings Fund-Moderate

Highest AUM (₹2,218 Cr).
Established history (14+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.59% (bottom quartile).
3Y return: 11.54% (lower mid).
1Y return: 7.38% (lower mid).
1M return: 0.44% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.12 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~83%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~4.4%).

Below is the key information for Tata Retirement Savings Fund-Moderate

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (04 Sep 26)	₹68.7387 ↓ -0.08 (-0.12 %)
Net Assets (Cr)	₹2,218 on 31 Jul 26
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	0.12
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 Aug 21	₹10,000
31 Aug 22	₹10,091
31 Aug 23	₹11,413
31 Aug 24	₹15,069
31 Aug 25	₹14,665
31 Aug 26	₹16,143

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Tata Retirement Savings Fund-Moderate

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	5.5%
6 Month	12.5%
1 Year	7.4%
3 Year	11.5%
5 Year	9.6%
10 Year
15 Year
Since launch	13.9%

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	9.34 Yr.
Amit Somani	1 Jun 26	0.17 Yr.
Sonam Udasi	1 Apr 16	10.34 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.37%
Equity	83.04%
Debt	13.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	4%	₹98 Cr	684,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	4%	₹98 Cr	53,100 ↓ -900
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	3%	₹75 Cr	576,000
6.36% Govt Stock 2031 Sovereign Bonds \| -	3%	₹70 Cr	7,000,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| ETERNAL	3%	₹70 Cr	2,304,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹66 Cr	153,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Apr 25 \| MCX	3%	₹56 Cr	207,000
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| 540767	2%	₹53 Cr	459,000
Polycab India Ltd (Industrials) Equity, Since 31 Dec 20 \| POLYCAB	2%	₹49 Cr	54,000
360 One Wam Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| 360ONE	2%	₹46 Cr	405,000

4. Tata Retirement Savings Fund - Conservative

Research Highlights for Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹169 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 5.73% (bottom quartile).
3Y return: 6.98% (bottom quartile).
1Y return: 4.45% (bottom quartile).
1M return: 0.08% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~20.6%).
Top-3 holdings concentration ~38.5%.

Below is the key information for Tata Retirement Savings Fund - Conservative

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (04 Sep 26)	₹33.0255 ↓ -0.02 (-0.07 %)
Net Assets (Cr)	₹169 on 31 Jul 26
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.22
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 Aug 21	₹10,000
31 Aug 22	₹10,071
31 Aug 23	₹10,814
31 Aug 24	₹12,404
31 Aug 25	₹12,624
31 Aug 26	₹13,334

Tata Retirement Savings Fund - Conservative SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹349,120.
Net Profit of ₹49,120 Invest Now

Returns for Tata Retirement Savings Fund - Conservative

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	3%
6 Month	5%
1 Year	4.4%
3 Year	7%
5 Year	5.7%
10 Year
15 Year
Since launch	8.4%

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	9.34 Yr.
Amit Somani	1 Jun 26	0.17 Yr.
Sonam Udasi	1 Apr 16	10.34 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	10.04%
Equity	28.49%
Debt	61.47%

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 \| SOLARINDS	2%	₹3 Cr	1,368
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	1%	₹3 Cr	18,000

5. ICICI Prudential Child Care Plan (Gift)

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)

Lower mid AUM (₹1,434 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.52% (top quartile).
3Y return: 12.47% (top quartile).
1Y return: 0.19% (bottom quartile).
1M return: -1.23% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Equity-heavy allocation (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~8.6%).

Below is the key information for ICICI Prudential Child Care Plan (Gift)

ICICI Prudential Child Care Plan (Gift) Growth
Launch Date	31 Aug 01
NAV (04 Sep 26)	₹328.98 ↑ 0.71 (0.22 %)
Net Assets (Cr)	₹1,434 on 31 Jul 26
Category	Solutions - Childrens Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.2
Sharpe Ratio	-0.22
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 Aug 21	₹10,000
31 Aug 22	₹10,501
31 Aug 23	₹12,031
31 Aug 24	₹16,854
31 Aug 25	₹17,052
31 Aug 26	₹17,409

ICICI Prudential Child Care Plan (Gift) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for ICICI Prudential Child Care Plan (Gift)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

Duration	Returns
1 Month	-1.2%
3 Month	2%
6 Month	3.7%
1 Year	0.2%
3 Year	12.5%
5 Year	11.5%
10 Year
15 Year
Since launch	15%

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	4.17 Yr.
Darshil Dedhia	22 Jan 24	2.61 Yr.
Rohit Lakhotia	12 Jun 23	3.22 Yr.
Aatur Shah	29 Aug 25	1.01 Yr.

Data below for ICICI Prudential Child Care Plan (Gift) as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	4.97%
Equity	83.66%
Debt	11.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	9%	₹123 Cr	1,650,000 ↑ 650,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Jul 26 \| 532215	8%	₹111 Cr	900,000 ↑ 900,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 26 \| RELIANCE	7%	₹106 Cr	811,937 ↑ 211,937
Atul Ltd (Basic Materials) Equity, Since 31 Aug 25 \| ATUL	4%	₹57 Cr	84,460 ↓ -5,540
Vedanta Limited Debentures \| -	4%	₹50 Cr	5,000
Bajaj Holdings and Investment Ltd (Financial Services) Equity, Since 31 Dec 25 \| BAJAJHLDNG	3%	₹45 Cr	40,000 ↓ -3,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| KOTAKBANK	3%	₹39 Cr	1,000,000
ITC Ltd (Consumer Defensive) Equity, Since 31 May 26 \| ITC	3%	₹37 Cr	1,299,594 ↓ -200,406
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹29 Cr	3,000,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Jun 26 \| M&M	2%	₹25 Cr	75,000 ↑ 50,000

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