2022-ൽ നിക്ഷേപിക്കാനുള്ള 5 മികച്ച സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ

Updated on October 29, 2026 , 5248 views

സെക്യൂരിറ്റി ആൻഡ് എക്സ്ചേഞ്ച് ബോർഡ് ഓഫ് ഇന്ത്യ (സെബി) കീഴിൽ 'സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ' എന്ന പുതിയ വർഗ്ഗീകരണം അവതരിപ്പിച്ചുമ്യൂച്വൽ ഫണ്ടുകൾ. ദീർഘകാല ലക്ഷ്യ ആസൂത്രണത്തിന് ഈ ഫണ്ടുകൾ പ്രധാനമാണ്, പ്രത്യേകിച്ച്-വിരമിക്കൽ ആസൂത്രണം ഒരു കുട്ടിയുടെ വിദ്യാഭ്യാസവും. അതിനാൽ, നിങ്ങൾ സമാനമായ ലക്ഷ്യത്തോടെ എന്തെങ്കിലും നോക്കുകയാണെങ്കിൽനിക്ഷേപിക്കുന്നു, എങ്കിൽ നിങ്ങൾ ശരിയായ സ്ഥലത്താണ്. ഈ ഫണ്ടുകൾ വിശദമായി നോക്കാം, ഒപ്പം നിക്ഷേപിക്കുന്നതിനുള്ള ചില മികച്ച പരിഹാര സ്കീമുകളും.

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എന്താണ് സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ?

പ്രധാനമായും റിട്ടയർമെന്റ് ആസൂത്രണവും കുട്ടിയുടെ ഭാവി വിദ്യാഭ്യാസവും ഉൾപ്പെടുന്ന ദീർഘകാല സമ്പത്ത് സൃഷ്ടിക്കാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ സഹായകരമാണ്.മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു. നേരത്തെ, ഈ പ്ലാനുകൾ ഇക്വിറ്റി അല്ലെങ്കിൽ ബാലൻസ്ഡ് സ്കീമുകളുടെ ഭാഗമായിരുന്നു, എന്നാൽ സെബിയുടെ പുതിയ സർക്കുലേഷൻ അനുസരിച്ച്, ഈ ഫണ്ടുകൾ സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾക്ക് കീഴിൽ പ്രത്യേകം തരം തിരിച്ചിരിക്കുന്നു.

കൂടാതെ, ഈ സ്കീമുകൾക്ക് മൂന്ന് വർഷത്തേക്ക് ലോക്ക്-ഇൻ ഉണ്ടായിരുന്നു, എന്നാൽ ഇപ്പോൾ ഈ ഫണ്ടുകൾക്ക് അഞ്ച് വർഷത്തെ നിർബന്ധിത ലോക്ക്-ഇൻ ഉണ്ട്. ഈ നിക്ഷേപ ലക്ഷ്യങ്ങൾ കൈവരിക്കുന്നതിന് നിക്ഷേപകരെ ദീർഘകാലത്തേക്ക് നിക്ഷേപിച്ച് നിർത്തുന്നതിനുള്ള മികച്ച മാർഗമാണിത്. ഇത് നിക്ഷേപങ്ങളിൽ അച്ചടക്കം പാലിക്കുന്നു.

FY 22 - 23 വരെയുള്ള മികച്ച 5 മികച്ച പ്രകടനം നടത്തുന്ന സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
SBI Magnum Children's Benefit Plan Growth	₹117.453 ↓ -0.40	₹152	-1	4.1	6.6	10.2	9.6	3.2
Tata Retirement Savings Fund-Moderate Growth	₹63.5163 ↓ -0.41	₹2,115	-6.2	-1.2	-2.7	9.5	7.8	1
Tata Retirement Savings Fund - Progressive Growth	₹63.7894 ↓ -0.49	₹2,104	-7.2	-1.7	-3.3	9.9	7.7	-1.2
Tata Retirement Savings Fund - Conservative Growth	₹31.8638 ↓ -0.08	₹165	-3	-0.1	-0.2	6	5	3.6
ICICI Prudential Child Care Plan (Gift) Growth	₹304.85 ↓ -1.43	₹1,376	-7.1	-6.6	-8.5	10.7	9.4	8.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 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 (₹152 Cr).	Highest AUM (₹2,115 Cr).	Upper mid AUM (₹2,104 Cr).	Bottom quartile AUM (₹165 Cr).	Lower mid AUM (₹1,376 Cr).
Point 2	Established history (24+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (15+ 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: 9.58% (top quartile).	5Y return: 7.77% (lower mid).	5Y return: 7.71% (bottom quartile).	5Y return: 4.98% (bottom quartile).	5Y return: 9.41% (upper mid).
Point 6	3Y return: 10.25% (upper mid).	3Y return: 9.55% (bottom quartile).	3Y return: 9.92% (lower mid).	3Y return: 5.97% (bottom quartile).	3Y return: 10.65% (top quartile).
Point 7	1Y return: 6.58% (top quartile).	1Y return: -2.70% (lower mid).	1Y return: -3.32% (bottom quartile).	1Y return: -0.25% (upper mid).	1Y return: -8.49% (bottom quartile).
Point 8	1M return: -2.30% (upper mid).	1M return: -2.47% (lower mid).	1M return: -2.71% (bottom quartile).	1M return: -1.25% (top quartile).	1M return: -3.42% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 6.04 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.76 (top quartile).	Sharpe: -0.04 (lower mid).	Sharpe: -0.01 (upper mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: -0.41 (bottom quartile).

SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹152 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.58% (top quartile).
3Y return: 10.25% (upper mid).
1Y return: 6.58% (top quartile).
1M return: -2.30% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.76 (top quartile).

Tata Retirement Savings Fund-Moderate

Highest AUM (₹2,115 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 7.77% (lower mid).
3Y return: 9.55% (bottom quartile).
1Y return: -2.70% (lower mid).
1M return: -2.47% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.04 (lower mid).

Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,104 Cr).
Established history (15+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.71% (bottom quartile).
3Y return: 9.92% (lower mid).
1Y return: -3.32% (bottom quartile).
1M return: -2.71% (bottom quartile).
Alpha: 6.04 (top quartile).
Sharpe: -0.01 (upper mid).

Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹165 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 4.98% (bottom quartile).
3Y return: 5.97% (bottom quartile).
1Y return: -0.25% (upper mid).
1M return: -1.25% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.38 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Lower mid AUM (₹1,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.41% (upper mid).
3Y return: 10.65% (top quartile).
1Y return: -8.49% (bottom quartile).
1M return: -3.42% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.41 (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 (₹152 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.58% (top quartile).
3Y return: 10.25% (upper mid).
1Y return: 6.58% (top quartile).
1M return: -2.30% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.76 (top quartile).
Information ratio: 0.00 (upper mid).
Top sector: Consumer Cyclical.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~70%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~6.6%).

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 (30 Oct 26)	₹117.453 ↓ -0.40 (-0.34 %)
Net Assets (Cr)	₹152 on 30 Sep 26
Category	Solutions - Childrens Fund
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.23
Sharpe Ratio	0.76
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 Oct 21	₹10,000
31 Oct 22	₹10,443
31 Oct 23	₹11,778
31 Oct 24	₹14,309
31 Oct 25	₹14,835
31 Oct 26	₹15,801

SBI Magnum Children's Benefit Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 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 30 Oct 26

Duration	Returns
1 Month	-2.3%
3 Month	-1%
6 Month	4.1%
1 Year	6.6%
3 Year	10.2%
5 Year	9.6%
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	5.72 Yr.
Lokesh Mallya	1 Jul 25	1.25 Yr.

Data below for SBI Magnum Children's Benefit Plan as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	8.32%
Equity	22.17%
Debt	69.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	6%	₹9 Cr	1,000,000 ↓ -500,000
Jsw Jfe Kalinga Steel Limited Debentures \| -	3%	₹5 Cr	500
Rec Limited Debentures \| -	3%	₹5 Cr	500
Motilal Oswal Financial Services Ltd. Debentures \| -	3%	₹5 Cr	500 ↑ 500
LIC Housing Finance Ltd Debentures \| -	3%	₹5 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹5 Cr	500
Tamil Nadu (Government of) 7.73% - \| -	3%	₹5 Cr	500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹5 Cr	500
State Government Of Rajasthan Sovereign Bonds \| -	3%	₹5 Cr	500,000

2. Tata Retirement Savings Fund-Moderate

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

Highest AUM (₹2,115 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 7.77% (lower mid).
3Y return: 9.55% (bottom quartile).
1Y return: -2.70% (lower mid).
1M return: -2.47% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.04 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding Solar Industries India Ltd (~4.7%).

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

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (30 Oct 26)	₹63.5163 ↓ -0.41 (-0.64 %)
Net Assets (Cr)	₹2,115 on 30 Sep 26
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.04
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 Oct 21	₹10,000
31 Oct 22	₹9,928
31 Oct 23	₹11,062
31 Oct 24	₹14,529
31 Oct 25	₹14,878
31 Oct 26	₹14,540

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 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 30 Oct 26

Duration	Returns
1 Month	-2.5%
3 Month	-6.2%
6 Month	-1.2%
1 Year	-2.7%
3 Year	9.5%
5 Year	7.8%
10 Year
15 Year
Since launch	13.1%

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	9.51 Yr.
Amit Somani	1 Jun 26	0.33 Yr.
Sonam Udasi	1 Apr 16	10.51 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	6.89%
Equity	79.07%
Debt	14.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	5%	₹100 Cr	50,850 ↓ -2,250
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	4%	₹90 Cr	684,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| ETERNAL	3%	₹74 Cr	2,304,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	3%	₹68 Cr	576,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Apr 25 \| MCX	3%	₹68 Cr	207,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹55 Cr	126,000
6.36% Govt Stock 2031 Sovereign Bonds \| -	2%	₹44 Cr	4,500,000 ↓ -2,500,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 29 Feb 24 \| ADANIPORTS	2%	₹44 Cr	243,000
360 One Wam Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| 360ONE	2%	₹42 Cr	405,000
Kirloskar Pneumatic Co Ltd (Industrials) Equity, Since 31 Aug 22 \| 505283	2%	₹41 Cr	609,786

3. Tata Retirement Savings Fund - Progressive

Research Highlights for Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,104 Cr).
Established history (15+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.71% (bottom quartile).
3Y return: 9.92% (lower mid).
1Y return: -3.32% (bottom quartile).
1M return: -2.71% (bottom quartile).
Alpha: 6.04 (top quartile).
Sharpe: -0.01 (upper mid).
Information ratio: 0.13 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Solar Industries India Ltd (~5.4%).

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

Tata Retirement Savings Fund - Progressive Growth
Launch Date	1 Nov 11
NAV (30 Oct 26)	₹63.7894 ↓ -0.49 (-0.77 %)
Net Assets (Cr)	₹2,104 on 30 Sep 26
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.01
Information Ratio	0.13
Alpha Ratio	6.04
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 Oct 21	₹10,000
31 Oct 22	₹9,743
31 Oct 23	₹10,912
31 Oct 24	₹14,868
31 Oct 25	₹14,924
31 Oct 26	₹14,500

Tata Retirement Savings Fund - Progressive SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 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 30 Oct 26

Duration	Returns
1 Month	-2.7%
3 Month	-7.2%
6 Month	-1.7%
1 Year	-3.3%
3 Year	9.9%
5 Year	7.7%
10 Year
15 Year
Since launch	13.2%

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	9.51 Yr.
Sonam Udasi	1 Apr 16	10.51 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	6.5%
Equity	93.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	5%	₹113 Cr	57,600 ↓ -2,700
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	5%	₹105 Cr	792,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| ETERNAL	4%	₹86 Cr	2,700,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Apr 25 \| MCX	4%	₹80 Cr	243,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	4%	₹77 Cr	648,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹67 Cr	153,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 29 Feb 24 \| ADANIPORTS	2%	₹52 Cr	288,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 25 \| KOTAKBANK	2%	₹48 Cr	1,152,000
360 One Wam Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| 360ONE	2%	₹47 Cr	459,000
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| 590003	2%	₹45 Cr	1,384,000

4. Tata Retirement Savings Fund - Conservative

Research Highlights for Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹165 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 4.98% (bottom quartile).
3Y return: 5.97% (bottom quartile).
1Y return: -0.25% (upper mid).
1M return: -1.25% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~20.7%).
Top-3 holdings concentration ~39.0%.

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

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (30 Oct 26)	₹31.8638 ↓ -0.08 (-0.26 %)
Net Assets (Cr)	₹165 on 30 Sep 26
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.38
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 Oct 21	₹10,000
31 Oct 22	₹10,016
31 Oct 23	₹10,716
31 Oct 24	₹12,294
31 Oct 25	₹12,769
31 Oct 26	₹12,750

Tata Retirement Savings Fund - Conservative SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450 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 30 Oct 26

Duration	Returns
1 Month	-1.2%
3 Month	-3%
6 Month	-0.1%
1 Year	-0.2%
3 Year	6%
5 Year	5%
10 Year
15 Year
Since launch	8%

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	9.51 Yr.
Amit Somani	1 Jun 26	0.33 Yr.
Sonam Udasi	1 Apr 16	10.51 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	3.7%
Equity	28.23%
Debt	68.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	21%	₹34 Cr	3,500,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
6.36% Govt Stock 2031 Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
LAKSHMINARAYAN SECURITISATION TRUST Unlisted bonds \| -	6%	₹10 Cr	10 ↑ 10
7.36% Govt Stock 2052 Sovereign Bonds \| -	6%	₹9 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
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	2%	₹3 Cr	18,000
Solar Industries India Ltd (Basic Materials) Equity, Since 30 Apr 23 \| SOLARINDS	1%	₹2 Cr	1,170 ↓ -90

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 (₹1,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.41% (upper mid).
3Y return: 10.65% (top quartile).
1Y return: -8.49% (bottom quartile).
1M return: -3.42% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Equity-heavy allocation (~80%).
High-quality debt (AAA/AA ~100%).
Largest holding Reliance Industries Ltd (~7.8%).

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 (30 Oct 26)	₹304.85 ↓ -1.43 (-0.47 %)
Net Assets (Cr)	₹1,376 on 30 Sep 26
Category	Solutions - Childrens Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.41
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 Oct 21	₹10,000
31 Oct 22	₹10,365
31 Oct 23	₹11,566
31 Oct 24	₹15,860
31 Oct 25	₹17,056
31 Oct 26	₹15,677

ICICI Prudential Child Care Plan (Gift) 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 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 30 Oct 26

Duration	Returns
1 Month	-3.4%
3 Month	-7.1%
6 Month	-6.6%
1 Year	-8.5%
3 Year	10.7%
5 Year	9.4%
10 Year
15 Year
Since launch	14.5%

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	4.26 Yr.
Darshil Dedhia	22 Jan 24	2.69 Yr.
Rohit Lakhotia	12 Jun 23	3.31 Yr.
Aatur Shah	29 Aug 25	1.09 Yr.

Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	6.97%
Equity	79.95%
Debt	13.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 26 \| RELIANCE	8%	₹107 Cr	900,000 ↑ 88,063
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	6%	₹89 Cr	1,250,000 ↓ -465,000
Bajaj Holdings and Investment Ltd (Financial Services) Equity, Since 31 Dec 25 \| BAJAJHLDNG	4%	₹59 Cr	55,000 ↑ 20,000
Atul Ltd (Basic Materials) Equity, Since 31 Aug 25 \| ATUL	4%	₹58 Cr	98,802 ↑ 14,767
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| KOTAKBANK	4%	₹58 Cr	1,400,000 ↑ 400,000
Vedanta Aluminium Metal Limited Debentures \| -	4%	₹50 Cr	5,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 26 \| BHARTIARTL	3%	₹43 Cr	244,628 ↑ 244,628
ITC Ltd (Consumer Defensive) Equity, Since 31 May 26 \| ITC	2%	₹34 Cr	1,299,594
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Jul 26 \| CHOLAFIN	2%	₹32 Cr	200,000 ↑ 190,825
NTPC Ltd (Utilities) Equity, Since 30 Jun 26 \| 532555	2%	₹32 Cr	1,001,806 ↑ 310,000

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