MoneyDock

Best Retirement Fund in 2026

Top performers by 3-year CAGR · Direct-Growth · NAV as of 11-Nov-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 Plan currently leads with +20.68%.

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 Plan
+20.68%₹39.4
2
ICICI Prudential Mutual Fund logo
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
+17.61%₹30.94
3
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 30s Plan
+17.52%₹25.8
4
Union Mutual Fund logo
Union Retirement Fund
+14.06%₹17.63
5
Tata Mutual Fund logo
Tata Retirement Savings Fund-Progressive Plan
+13.63%₹85.49
6
Axis Mutual Fund logo
Axis Retirement Fund - Dynamic Plan
+13.01%₹22.4
7
Tata Mutual Fund logo
Tata Retirement Savings Fund-Moderate Plan
+12.89%₹82.7
8
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 40s Plan
+12.45%₹22.11
9
Axis Mutual Fund logo
Axis Retirement Fund - Aggressive Plan
+12.09%₹20.93
10
Nippon India Mutual Fund logo
Nippon India Retirement Fund- Wealth Creation Scheme
+11.85%₹32.93
11
HDFC Mutual Fund logo
HDFC Retirement Fund - Equity Plan
+11.09%₹57.81
12
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Aggressive Hybrid Plan
+10.65%₹21.33
13
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Aggressive Plan
+10.47%₹22.48
14
ICICI Prudential Mutual Fund logo
ICICI Prudential Retirement Fund Hybrid Conservative Plan
+9.90%₹20.3
15
HDFC Mutual Fund logo
HDFC Retirement Fund - Hybrid-Equity Plan
+8.65%₹43.57
16
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 50s Plan
+8.40%₹16.87
17
Franklin Templeton Mutual Fund logo
Franklin India Retirement Fund
+8.16%₹243.77
18
Axis Mutual Fund logo
Axis Retirement Fund - Conservative Plan
+8.10%₹17.83
19
Tata Mutual Fund logo
Tata Retirement Savings Fund-Conservative Plan
+7.92%₹39.15
20
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Conservative Hybrid Plan
+7.76%₹16.68
21
HDFC Mutual Fund logo
HDFC Retirement Fund - Hybrid-Debt Plan
+7.22%₹25.1
22
SBI Mutual Fund logo
SBI Retirement Benefit Fund - Conservative Plan
+7.07%₹15.21
23
Nippon India Mutual Fund logo
Nippon India Retirement Fund- Income Generation Scheme
+7.03%₹23.56
24
ICICI Prudential Mutual Fund logo
ICICI Prudential Retirement Fund Pure Debt Plan
+6.69%₹17.26
25
Aditya Birla Sun Life Mutual Fund logo
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
+6.07%₹15.01

Frequently Asked Questions

Which is the best retirement fund in 2026?

By 3-year CAGR, ICICI Prudential Retirement Fund Pure Equity Plan currently tops this list with +20.68%. 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.