MoneyDock

Best Retirement Fund in 2026

Top performers by 3-year CAGR · Direct-Growth · NAV as of 14-Aug-2026

This list ranks the 25 retirement fund on MoneyDock by their 3-year CAGR, computed from AMFI NAV history for the Direct-Growth plan. ICICI Prudential Retirement Fund - Pure Equity currently leads with +23.19%.

Returns measure past performance only and should be one input among many — also weigh expense ratio, risk, fund house track record and how the fund fits your goals. Past performance does not guarantee future results.

#Fund3Y CAGR ReturnNAV
1
ICICI Prudential Mutual Fund logo
ICICI Prudential Retirement Fund - Pure Equity
+23.19%₹39.98
2
ICICI Prudential Mutual Fund logo
ICICI Prudential Retirement Fund - Hybrid Aggressive
+20.64%₹32.06
3
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 30s Plan
+19.26%₹25.71
4
Tata Mutual Fund logo
Tata Retirement Savings Fund- Progressive Plan
+16.89%₹86.24
5
Union Mutual Fund logo
Union Retirement Fund
+16.60%₹17.75
6
Tata Mutual Fund logo
Tata Retirement Savings Fund- Moderate Plan
+15.67%₹83.26
7
Nippon India Mutual Fund logo
Nippon India Retirement Fund- Wealth Creation Scheme
+14.95%₹33.28
8
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 40s Plan
+13.98%₹21.94
9
Axis Mutual Fund logo
Axis Retirement Fund - Dynamic Plan
+13.31%₹22.12
10
Axis Mutual Fund logo
Axis Retirement Fund - Aggressive Plan
+12.73%₹20.67
11
HDFC Mutual Fund logo
HDFC Retirement Savings Fund - Equity Plan - Growth Option
+12.57%₹56.4
12
ICICI Prudential Mutual Fund logo
ICICI Prudential Retirement Fund - Hybrid Conservative
+12.23%₹20.45
13
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Aggressive Hybrid Plan
+11.42%₹21.11
14
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Aggressive Plan
+10.80%₹22.03
15
HDFC Mutual Fund logo
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option
+10.02%₹43.18
16
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 50s Plan
+9.72%₹16.94
17
Tata Mutual Fund logo
Tata Retirement Savings Fund- Conservative Plan
+9.40%₹39.35
18
Franklin Templeton Mutual Fund logo
Franklin India Retirement Fund
+9.29%₹243.52
19
Axis Mutual Fund logo
Axis Retirement Fund - Conservative Plan
+8.96%₹17.9
20
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Conservative Hybrid Plan
+8.49%₹16.52
21
HDFC Mutual Fund logo
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option
+8.20%₹25.06
22
Nippon India Mutual Fund logo
Nippon India Retirement Fund- Income Generation Scheme
+8.04%₹23.78
23
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Conservative Plan
+7.64%₹15.11
24
ICICI Prudential Mutual Fund logo
ICICI Prudential Retirement Fund - Pure Debt
+7.43%₹17.29
25
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
+6.34%₹15.02

Frequently Asked Questions

Which is the best retirement fund in 2026?

By 3-year CAGR, ICICI Prudential Retirement Fund - Pure Equity currently tops this list with +23.19%. Rankings are based on past NAV performance and refresh daily — they are not a recommendation.

How are these funds ranked?

Funds are ranked purely by their 3-year CAGR, computed from AMFI NAV history for the Direct-Growth plan. We rank over the longest period the available history supports and extend toward longer 1-, 3- and 5-year windows as more NAV data is collected. Past performance does not guarantee future results.

Are these Direct or Regular plans?

All returns shown are for the Direct-Growth plan, which carries no distributor commission and therefore has a lower expense ratio and typically higher long-term returns than the Regular plan.

Returns are computed from AMFI NAV history for the Direct-Growth plan and rank past performance only. This is not investment advice — mutual fund investments are subject to market risks; read all scheme-related documents carefully.