Retirement Mutual Funds
All 30 retirement funds, Regular Growth plans, compared on returns, risk and cost. NAV as of 7 Oct 2026.
Category average
+8.2%
3-year return, annualised
Category average
+7.3%
5-year return, annualised
Category average
9.9%
Volatility, 3 years
Category average
2.19%
Expense ratio
Retirement funds compared
Regular plan, Growth option. Returns as of 7 Oct 2026. Click a column heading to sort.
Regular plans pay a distributor commission out of the fund, so their expense ratio is higher and their returns lower than the same fund's Direct plan.
| Returns (3Y and 5Y annualised) | Consistency | Risk | Cost and size | |||||
|---|---|---|---|---|---|---|---|---|
| +2.2% | +17.3% | +16.3% | 6 of 7 | 16.3% | -17.4% | 2.13% | ₹2,158 Cr | |
| +2.0% | +15.2% | +12.6% | 6 of 7 | 13.9% | -15.2% | 2.45% | ₹1,320 Cr | |
| +9.7% | +14.0% | +10.1% | 6 of 7 | 15.7% | -19.4% | 2.64% | ₹487 Cr | |
| -8.3% | +7.4% | +9.8% | 7 of 10 | 13.5% | -16.5% | 1.88% | ₹6,998 Cr | |
| -0.7% | +7.6% | +8.8% | 3 of 5 | 12.3% | -14.9% | 2.13% | ₹1,672 Cr | |
| -3.1% | +6.7% | +8.7% | 2 of 5 | 15.0% | -18.4% | 2.07% | ₹3,242 Cr | |
| -5.8% | +8.5% | +8.5% | 4 of 10 | 15.2% | -19.3% | 2.25% | ₹3,127 Cr | |
| +1.6% | +9.9% | +8.0% | 7 of 10 | 14.1% | -17.0% | 2.15% | ₹2,251 Cr | |
| +1.6% | +10.4% | +8.0% | 7 of 10 | 16.6% | -20.6% | 2.18% | ₹2,255 Cr | |
| -7.9% | +5.6% | +7.2% | 6 of 10 | 10.8% | -12.7% | 2.12% | ₹1,604 Cr | |
| +2.4% | +8.3% | +7.2% | 3 of 7 | 4.6% | -4.9% | 2.26% | ₹98 Cr | |
| -1.9% | +8.4% | +6.8% | 2 of 7 | 11.5% | -15.4% | 2.42% | ₹116 Cr | |
| -0.1% | +6.2% | +6.7% | 2 of 5 | 7.0% | -7.0% | 1.76% | ₹255 Cr | |
| +1.0% | +6.1% | +6.2% | 2 of 5 | 4.8% | -4.6% | 1.44% | ₹140 Cr | |
| -2.4% | +6.4% | +6.0% | 3 of 10 | 6.1% | -7.7% | 2.23% | ₹493 Cr | |
| -4.2% | +9.5% | +5.8% | 4 of 7 | 13.6% | -18.1% | 2.55% | ₹285 Cr | |
| -1.3% | +5.4% | +5.6% | 3 of 10 | 4.4% | -4.2% | 2.33% | ₹146 Cr | |
| +1.5% | +6.3% | +5.4% | 2 of 7 | 4.4% | -5.3% | 1.96% | ₹27 Cr | |
| +1.6% | +6.2% | +5.1% | 2 of 10 | 5.6% | -6.9% | 2.16% | ₹171 Cr | |
| +2.7% | +5.6% | +4.9% | 3 of 7 | 1.7% | -1.5% | 2.14% | ₹80 Cr | |
| -4.2% | +8.6% | +4.7% | 3 of 7 | 12.4% | -22.0% | 2.47% | ₹706 Cr | |
| -2.1% | +5.4% | +4.7% | 3 of 10 | 5.5% | -8.1% | 2.11% | ₹143 Cr | |
| -3.0% | +5.6% | +4.2% | 1 of 7 | 7.0% | -9.1% | 2.16% | ₹47 Cr | |
| +2.0% | +4.7% | +3.8% | 1 of 7 | 1.4% | -2.4% | 2.05% | ₹14 Cr | |
| +0.4% | +10.6% | N/A | 4 of 4 | 14.4% | N/A | 2.69% | ₹216 Cr | |
| +0.2% | N/A | N/A | 1 of 2 | N/A | N/A | 2.60% | ₹405 Cr | |
| -0.8% | N/A | N/A | 1 of 2 | N/A | N/A | 1.63% | ₹4,699 Cr | |
| -1.3% | N/A | N/A | 1 of 2 | N/A | N/A | 2.60% | ₹109 Cr | |
| -4.1% | N/A | N/A | 2 of 3 | 9.3% | N/A | 2.56% | ₹182 Cr | |
30UTI | N/A | N/A | N/A | N/A | N/A | N/A | 1.59% | ₹5,108 Cr |
Ordered by 5-year annualised return, highest first; funds younger than 5 years follow by 3-year, then 1-year return. Click a heading to sort by another figure. Top half, by year shows the fund's quartile in the category each calendar year from 2017 to 2026(green top quarter, grey second, amber third, red bottom; an outline means too young to rank) and how many of those years it finished in the top half. Returns over 3 years and longer are compounded annual returns. Volatility is the annualised standard deviation of monthly returns. Worst fall is the largest drop from a peak in the last 5 years. N/A means the fund is too young for that period.
What a retirement fund is
Retirement funds are solution-oriented funds with a lock-in of at least 5 years or until retirement age, whichever comes first. Some hold mostly equities, others mostly bonds.
Source: SEBI categorisation of mutual fund schemes, 6 October 2017, as amended.
Investing from the UAE
NRIs living in the UAE can generally invest once KYC is complete, paying from an NRE or NRO bank account. Some fund houses do not accept residents of the United States or Canada, or accept them only offline. The UAE does not levy personal income tax, and the India UAE tax treaty may affect how gains are treated, so confirm your own position with a tax adviser.
Questions
How are these retirement funds ordered?
By 5-year annualised return, highest first. Funds younger than 5 years follow, ordered by 3-year return and then 1-year return. Every figure is worked out from each fund's own Direct Growth NAV, the same way for every fund. We do not label any fund as the best.
Can NRIs living in the UAE invest in retirement funds?
Generally yes, once KYC is complete, paying from an NRE or NRO bank account. Some fund houses do not accept investments from residents of the United States or Canada, or accept them only offline, so check the fund house's current policy if that applies to you.
How are gains taxed for NRIs?
It depends on the fund's share of equity and on when your units were bought. For NRIs the fund house deducts tax when you redeem. The outcome depends on your tax residence and facts, so confirm your position with a tax adviser.
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