2022 मध्ये गुंतवणूक करण्यासाठी 5 सर्वोत्कृष्ट सोल्युशन ओरिएंटेड योजना

Updated on November 27, 2025 , 4638 views

भारतीय सुरक्षा आणि विनिमय मंडळ (सेबी) अंतर्गत नवीन वर्गीकरण ‘सोल्यूशन ओरिएंटेड स्कीम्स’ सादर केले आहेम्युच्युअल फंड. हे फंड दीर्घकालीन ध्येय नियोजनासाठी महत्त्वाचे आहेत, विशेषतः यासाठी-निवृत्ती नियोजन आणि मुलाचे शिक्षण. तर, जर तुम्ही समान ध्येय-निहाय काहीतरी पाहत असालगुंतवणूक, तर तुम्ही योग्य ठिकाणी आहात. गुंतवणुकीसाठी काही सर्वोत्कृष्ट समाधान देणार्‍या योजनांसह या फंडांचा तपशीलवार विचार करूया.

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सोल्युशन ओरिएंटेड योजना काय आहेत?

सोल्युशन ओरिएंटेड योजना अशा गुंतवणूकदारांसाठी उपयुक्त आहेत ज्यांना दीर्घकालीन संपत्ती निर्माण करायची आहे ज्यात मुख्यत्वे सेवानिवृत्ती नियोजन आणि मुलाचे भविष्यातील शिक्षण समाविष्ट आहे.म्युच्युअल फंडात गुंतवणूक. पूर्वी, या योजना इक्विटी किंवा संतुलित योजनांचा एक भाग होत्या, परंतु SEBI च्या नवीन परिसंचरणानुसार, या निधीचे स्वतंत्रपणे सोल्यूशन ओरिएंटेड योजनांमध्ये वर्गीकरण केले गेले आहे.

तसेच, या योजनांना तीन वर्षांसाठी लॉक-इन असायचे, परंतु आता या फंडांना पाच वर्षांचे लॉक-इन अनिवार्य आहे. ही गुंतवणुकीची उद्दिष्टे साध्य करण्यासाठी गुंतवणूकदारांना दीर्घ कालावधीसाठी गुंतवणूक ठेवण्याचा हा एक चांगला मार्ग आहे. गुंतवणुकीत शिस्त ठेवते.

आर्थिक वर्ष 22 - 23 मध्ये टॉप 5 सर्वोत्कृष्ट परफॉर्मिंग सोल्यूशन ओरिएंटेड योजना

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Magnum Children's Benefit Plan Growth	₹110.968 ↓ -0.14	₹130	1.7	1.4	3.7	12.3	12.7	17.4
Tata Retirement Savings Fund-Moderate Growth	₹65.5063 ↓ -0.07	₹2,180	3.9	3.5	2.5	14.5	13.8	19.5
Tata Retirement Savings Fund - Progressive Growth	₹66.1136 ↓ -0.10	₹2,117	3.8	2.8	0.7	15.4	14.6	21.7
Tata Retirement Savings Fund - Conservative Growth	₹32.0688 ↓ -0.04	₹175	2.1	1.9	4.1	8.4	7.1	9.9
ICICI Prudential Child Care Plan (Gift) Growth	₹333.36 ↓ -0.46	₹1,412	2.3	5.7	8.6	17.7	17.7	16.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Nov 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 (₹130 Cr).	Highest AUM (₹2,180 Cr).	Upper mid AUM (₹2,117 Cr).	Bottom quartile AUM (₹175 Cr).	Lower mid AUM (₹1,412 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: 12.71% (bottom quartile).	5Y return: 13.79% (lower mid).	5Y return: 14.59% (upper mid).	5Y return: 7.06% (bottom quartile).	5Y return: 17.69% (top quartile).
Point 6	3Y return: 12.28% (bottom quartile).	3Y return: 14.51% (lower mid).	3Y return: 15.36% (upper mid).	3Y return: 8.37% (bottom quartile).	3Y return: 17.71% (top quartile).
Point 7	1Y return: 3.65% (lower mid).	1Y return: 2.53% (bottom quartile).	1Y return: 0.66% (bottom quartile).	1Y return: 4.10% (upper mid).	1Y return: 8.58% (top quartile).
Point 8	1M return: 0.62% (top quartile).	1M return: 0.27% (bottom quartile).	1M return: 0.13% (bottom quartile).	1M return: 0.29% (upper mid).	1M return: 0.27% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -4.72 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.53 (bottom quartile).	Sharpe: -0.20 (upper mid).	Sharpe: -0.26 (lower mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: 0.15 (top quartile).

SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹130 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.71% (bottom quartile).
3Y return: 12.28% (bottom quartile).
1Y return: 3.65% (lower mid).
1M return: 0.62% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.53 (bottom quartile).

Tata Retirement Savings Fund-Moderate

Highest AUM (₹2,180 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.79% (lower mid).
3Y return: 14.51% (lower mid).
1Y return: 2.53% (bottom quartile).
1M return: 0.27% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.20 (upper mid).

Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,117 Cr).
Established history (14+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.59% (upper mid).
3Y return: 15.36% (upper mid).
1Y return: 0.66% (bottom quartile).
1M return: 0.13% (bottom quartile).
Alpha: -4.72 (bottom quartile).
Sharpe: -0.26 (lower mid).

Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹175 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.06% (bottom quartile).
3Y return: 8.37% (bottom quartile).
1Y return: 4.10% (upper mid).
1M return: 0.29% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.40 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Lower mid AUM (₹1,412 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.69% (top quartile).
3Y return: 17.71% (top quartile).
1Y return: 8.58% (top quartile).
1M return: 0.27% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.15 (top 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 (₹130 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.71% (bottom quartile).
3Y return: 12.28% (bottom quartile).
1Y return: 3.65% (lower mid).
1M return: 0.62% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.53 (bottom quartile).
Information ratio: 0.00 (top quartile).

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 (28 Nov 25)	₹110.968 ↓ -0.14 (-0.13 %)
Net Assets (Cr)	₹130 on 31 Oct 25
Category	Solutions - Childrens Fund
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.21
Sharpe Ratio	-0.53
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

SBI Magnum Children's Benefit Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 28 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	1.4%
1 Year	3.7%
3 Year	12.3%
5 Year	12.7%
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

Data below for SBI Magnum Children's Benefit Plan as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹2,180 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.79% (lower mid).
3Y return: 14.51% (lower mid).
1Y return: 2.53% (bottom quartile).
1M return: 0.27% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.20 (upper mid).
Information ratio: 0.00 (upper mid).

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

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (28 Nov 25)	₹65.5063 ↓ -0.07 (-0.10 %)
Net Assets (Cr)	₹2,180 on 31 Oct 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.2
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

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 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 28 Nov 25

Duration	Returns
1 Month	0.3%
3 Month	3.9%
6 Month	3.5%
1 Year	2.5%
3 Year	14.5%
5 Year	13.8%
10 Year
15 Year
Since launch	14.3%

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

Data below for Tata Retirement Savings Fund-Moderate as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Tata Retirement Savings Fund - Progressive

Research Highlights for Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,117 Cr).
Established history (14+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.59% (upper mid).
3Y return: 15.36% (upper mid).
1Y return: 0.66% (bottom quartile).
1M return: 0.13% (bottom quartile).
Alpha: -4.72 (bottom quartile).
Sharpe: -0.26 (lower mid).
Information ratio: -0.25 (bottom quartile).

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

Tata Retirement Savings Fund - Progressive Growth
Launch Date	1 Nov 11
NAV (28 Nov 25)	₹66.1136 ↓ -0.10 (-0.14 %)
Net Assets (Cr)	₹2,117 on 31 Oct 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.26
Information Ratio	-0.25
Alpha Ratio	-4.72
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

Tata Retirement Savings Fund - Progressive SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 28 Nov 25

Duration	Returns
1 Month	0.1%
3 Month	3.8%
6 Month	2.8%
1 Year	0.7%
3 Year	15.4%
5 Year	14.6%
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

Data below for Tata Retirement Savings Fund - Progressive as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Tata Retirement Savings Fund - Conservative

Research Highlights for Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹175 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.06% (bottom quartile).
3Y return: 8.37% (bottom quartile).
1Y return: 4.10% (upper mid).
1M return: 0.29% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.00 (lower mid).

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

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (28 Nov 25)	₹32.0688 ↓ -0.04 (-0.11 %)
Net Assets (Cr)	₹175 on 31 Oct 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.4
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

Tata Retirement Savings Fund - Conservative 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 - Conservative

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25

Duration	Returns
1 Month	0.3%
3 Month	2.1%
6 Month	1.9%
1 Year	4.1%
3 Year	8.4%
5 Year	7.1%
10 Year
15 Year
Since launch	8.6%

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

Data below for Tata Retirement Savings Fund - Conservative as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹1,412 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.69% (top quartile).
3Y return: 17.71% (top quartile).
1Y return: 8.58% (top quartile).
1M return: 0.27% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.15 (top quartile).
Information ratio: 0.00 (bottom quartile).

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 (28 Nov 25)	₹333.36 ↓ -0.46 (-0.14 %)
Net Assets (Cr)	₹1,412 on 31 Oct 25
Category	Solutions - Childrens Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.2
Sharpe Ratio	0.15
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

ICICI Prudential Child Care Plan (Gift) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 28 Nov 25

Duration	Returns
1 Month	0.3%
3 Month	2.3%
6 Month	5.7%
1 Year	8.6%
3 Year	17.7%
5 Year	17.7%
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

Data below for ICICI Prudential Child Care Plan (Gift) as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.