Retirement & Life Cycle Mutual Funds: Returns & NAV Today
NAVs as of · 39 schemes · Source: AMFI
Retirement & Life Cycle funds lost +0.86% on average on Friday, 23 October 2026 across 69 plans; 0 rose and 69 fell. Over the past week the category is −2.79%. The best performer was Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct Plan - GROWTH (−0.05%).
What are Retirement & Life Cycle funds?
Retirement and life cycle funds are solution-oriented schemes. Retirement funds carry a lock-in of five years or until retirement age, whichever is earlier; life cycle funds shift their mix as a target year approaches.
- Who they suit
- Investors saving for retirement who want a commitment device built in.
- Risk
- Varies by plan — from conservative to aggressive.
Best and worst Retirement & Life Cycle funds today
Top 5 today
- 1 Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct Plan - GROWTH Aditya Birla Sun Life · NAV ₹14.8429 -0.05%
- 2 ICICI Prudential Retirement Fund Pure Debt Plan - Direct Plan - Growth ICICI Prudential · NAV ₹17.0497 -0.07%
- 3 HDFC Retirement Fund - Hybrid-Debt Plan - Direct Plan - Growth Option HDFC · NAV ₹24.2933 -0.15%
- 4 Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - Growth Option Nippon India · NAV ₹22.7089 -0.17%
- 5 SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth SBI · NAV ₹14.7439 -0.23%
Bottom 5 today
- 1 ICICI Prudential Life Cycle Fund 2041 ICICI Prudential · NAV ₹9.4043 -2.08%
- 2 ICICI Prudential Life Cycle Fund 2041 ICICI Prudential · NAV ₹9.4180 -2.07%
- 3 ICICI Prudential Retirement Fund Hybrid Aggressive Plan - Direct Plan - Growth ICICI Prudential · NAV ₹28.6600 -1.78%
- 4 Tata Retirement Savings Fund-Progressive Plan - Direct Plan - Growth Option Tata · NAV ₹77.1127 -1.70%
- 5 ICICI Prudential Retirement Fund Pure Equity Plan - Direct Plan - Growth ICICI Prudential · NAV ₹36.0000 -1.69%
Retirement & Life Cycle fund NAV and returns — 23 Oct 2026
One row per scheme (direct plan), sorted by one-day return. A dash means there is not yet a NAV inside that horizon's window — never a zero.
| # | Scheme | NAV (₹) | 1D | 1W |
|---|---|---|---|---|
| 1 | Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct Plan - GROWTH Aditya Birla Sun Life | 14.8429 | -0.05% | -0.18% |
| 2 | ICICI Prudential Retirement Fund Pure Debt Plan - Direct Plan - Growth ICICI Prudential | 17.0497 | -0.07% | -0.35% |
| 3 | HDFC Retirement Fund - Hybrid-Debt Plan - Direct Plan - Growth Option HDFC | 24.2933 | -0.15% | -0.99% |
| 4 | Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - Growth Option Nippon India | 22.7089 | -0.17% | -0.86% |
| 5 | SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth SBI | 14.7439 | -0.23% | -0.96% |
| 6 | Aditya Birla Sun Life Retirement Fund-The 50s Plan - Direct Plan - GROWTH Aditya Birla Sun Life | 16.3548 | -0.28% | -0.96% |
| 7 | Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option Axis | 16.9893 | -0.28% | -1.17% |
| 8 | BANDHAN RETIREMENT FUND - Direct Plan - Growth Bandhan | 12.6390 | -0.35% | -2.24% |
| 9 | Franklin India Retirement Fund - Direct Plan - Growth Franklin Templeton | 233.9157 | -0.39% | -1.42% |
| 10 | UTI Retirement Fund - Direct Plan - Growth UTI | 53.1971 | -0.43% | -1.28% |
| 11 | SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth SBI | 15.8159 | -0.44% | -1.71% |
| 12 | ICICI Prudential Retirement Fund Hybrid Conservative Plan - Direct Plan - Growth ICICI Prudential | 19.5753 | -0.51% | -1.50% |
| 13 | Tata Retirement Savings Fund-Conservative Plan - Direct Plan - Growth Option Tata | 37.5170 | -0.56% | -1.81% |
| 14 | HDFC Retirement Fund - Hybrid-Equity Plan - Direct Plan - Growth Option HDFC | 40.6300 | -0.65% | -2.30% |
| 15 | ICICI Prudential Life Cycle Fund 2031 ICICI Prudential | 9.3737 | -0.66% | -3.01% |
| 16 | ICICI Prudential Life Cycle Fund 2031 ICICI Prudential | 9.3620 | -0.66% | -3.03% |
| 17 | Mirae Asset Life Cycle Fund 2056 - Direct Plan - Growth Mirae Asset | 9.8430 | -0.69% | — |
| 18 | Zerodha Life Cycle Fund 2031 - Direct Plan - Growth Zerodha | 9.6497 | -0.69% | -2.14% |
| 19 | Aditya Birla Sun Life Retirement Fund-The 40s Plan - Direct Plan - GROWTH Aditya Birla Sun Life | 20.3070 | -0.76% | -2.66% |
| 20 | HDFC Retirement Fund - Equity Plan - Direct Plan - Growth Option HDFC | 52.6950 | -0.79% | -2.97% |
| 21 | Axis Retirement Fund - Dynamic Plan - Direct Plan - Growth Option Axis | 20.4800 | -0.82% | -2.94% |
| 22 | Axis Retirement Fund - Aggressive Plan - Direct Plan - Growth Option Axis | 19.2000 | -0.83% | -2.83% |
| 23 | ICICI Prudential Life Cycle Fund 2036 ICICI Prudential | 9.5619 | -0.84% | -3.78% |
| 24 | ICICI Prudential Life Cycle Fund 2036 ICICI Prudential | 9.5755 | -0.84% | -3.76% |
| 25 | Zerodha Life Cycle Fund 2036 - Direct Plan - Growth Option Zerodha | 9.2941 | -1.11% | -3.25% |
| 26 | PGIM India Retirement Fund - Direct Plan - Direct Growth PGIM India | 11.8300 | -1.17% | -4.29% |
| 27 | SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth SBI | 19.3993 | -1.17% | -3.59% |
| 28 | SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth SBI | 20.0303 | -1.17% | -3.85% |
| 29 | Baroda BNP Paribas Retirement Fund - Direct Plan - Growth Option Baroda BNP Paribas | 11.3231 | -1.25% | -3.05% |
| 30 | Zerodha Life Cycle Fund 2041 - Direct Plan - Growth Option Zerodha | 9.1954 | -1.29% | -3.71% |
| 31 | Tata Retirement Savings Fund-Moderate Plan - Direct Plan - Growth Option Tata | 75.5550 | -1.44% | -4.21% |
| 32 | Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - Growth Option Nippon India | 29.8369 | -1.47% | -4.63% |
| 33 | Union Retirement Fund - Direct Plan - Growth Option Union | 15.9200 | -1.61% | -4.96% |
| 34 | Aditya Birla Sun Life Retirement Fund-The 30s Plan - Direct Plan - GROWTH Aditya Birla Sun Life | 23.5420 | -1.67% | -4.64% |
| 35 | ICICI Prudential Retirement Fund Pure Equity Plan - Direct Plan - Growth ICICI Prudential | 36.0000 | -1.69% | -4.46% |
| 36 | Tata Retirement Savings Fund-Progressive Plan - Direct Plan - Growth Option Tata | 77.1127 | -1.70% | -4.99% |
| 37 | ICICI Prudential Retirement Fund Hybrid Aggressive Plan - Direct Plan - Growth ICICI Prudential | 28.6600 | -1.78% | -4.85% |
| 38 | ICICI Prudential Life Cycle Fund 2041 ICICI Prudential | 9.4180 | -2.07% | -5.00% |
| 39 | ICICI Prudential Life Cycle Fund 2041 ICICI Prudential | 9.4043 | -2.08% | -5.03% |
Frequently asked questions
What is a Retirement & Life Cycle fund?
Retirement and life cycle funds are solution-oriented schemes. Retirement funds carry a lock-in of five years or until retirement age, whichever is earlier; life cycle funds shift their mix as a target year approaches.
Who should invest in Retirement & Life Cycle funds?
Investors saving for retirement who want a commitment device built in.
How risky are Retirement & Life Cycle funds?
Varies by plan — from conservative to aggressive.
Which Retirement & Life Cycle fund performed best on 23 Oct 2026?
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct Plan - GROWTH had the largest one-day gain at −0.05%, against a category average of −0.86%. One day of performance says little about long-term quality.
How many Retirement & Life Cycle funds are there?
AMFI's NAV file for 23 Oct 2026 lists 39 retirement & life cycle funds (counting each scheme once, by its direct plan), and 119 plans across all plan and option variants.
Other gold, global & fof categories
Category definitions summarise SEBI's mutual fund categorisation rules; check each scheme's documents for its exact mandate. NAVs are AMFI's official figures; returns are computed from NAV history held on this site. Past performance says nothing about future returns. This is education, not investment advice.