5 Best Solution Oriented Schemes to Invest in 2025 | fincash.com

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What are Solution Oriented Schemes?
Top 5 Best Performing Solution Oriented Schemes FY 25 - 26
How to Invest in Solution Oriented Schemes Online?
Top 5 Funds

5 Best Solution Oriented Schemes to Invest in 2025

Updated on March 30, 2025 , 4343 views

The Security and Exchange Board of India (SEBI) has introduced a new classification ‘Solution Oriented Schemes’ under Mutual Funds. These funds are important for long-term goal planning, particularly for—Retirement planning and a child’s education. So, if you are looking at something with a similar goal-wise Investing, then you are at the right place. Let’s look at these funds in a detailed manner, along with some of the best solution oriented schemes to invest.

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What are Solution Oriented Schemes?

Solution oriented schemes are helpful for those investors who wish to create long-term wealth that mainly includes retirement planning and a child’s future education by investing in Mutual Funds. Earlier, these plans were a part of equity or balanced schemes, but as per SEBI’s new circulation, these funds are separately categorised under solution oriented schemes.

Also, these schemes used to have a lock-in for three years, but now these funds have a mandatory lock-in of five years. This is ideally a good way to keep investors invested for a longer duration in order to attain these investment goals. It maintains discipline in investments.

Top 5 Best Performing Solution Oriented Schemes FY 25 - 26

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
SBI Magnum Children's Benefit Plan Growth	₹106.147 ↑ 0.03	₹120	-1.2	-0.3	13.6	11.7	15.2	17.4
Tata Retirement Savings Fund-Moderate Growth	₹58.7221 ↓ -0.53	₹1,908	-9.2	-10.6	7.1	11.7	18.9	19.5
Tata Retirement Savings Fund - Progressive Growth	₹58.9537 ↓ -0.55	₹1,803	-11.7	-14.1	5.8	12.3	20.6	21.7
Tata Retirement Savings Fund - Conservative Growth	₹30.3401 ↑ 0.00	₹169	-1.8	-2.5	6.3	7.1	8.9	9.9
ICICI Prudential Child Care Plan (Gift) Growth	₹295.93 ↓ -2.97	₹1,183	-3.6	-9.6	4.9	14.8	22.1	16.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 25

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.

SBI Magnum Children's Benefit Plan is a Solutions - Childrens Fund fund was launched on 21 Feb 02. It is a fund with Moderately High risk and has given a CAGR/Annualized return of since its launch. Ranked 1 in Childrens Fund category. Return for 2024 was 17.4% , 2023 was 16.9% and 2022 was 1.9% .

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 (31 Mar 25)	₹106.147 ↑ 0.03 (0.03 %)
Net Assets (Cr)	₹120 on 15 Mar 25
Category	Solutions - Childrens Fund
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.2
Sharpe Ratio	0.48
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
31 Mar 20	₹10,000
31 Mar 21	₹12,590
31 Mar 22	₹14,563
31 Mar 23	₹14,976
31 Mar 24	₹17,850
31 Mar 25	₹20,283

SBI Magnum Children's Benefit Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 31 Mar 25

Duration	Returns
1 Month	2.5%
3 Month	-1.2%
6 Month	-0.3%
1 Year	13.6%
3 Year	11.7%
5 Year	15.2%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2023	17.4%
2022	16.9%
2021	1.9%
2020	18.3%
2019	14.8%
2018	2.6%
2017	0.1%
2016	24.3%
2015	16.1%
2014	7%

Fund Manager information for SBI Magnum Children's Benefit Plan

Name	Since	Tenure
R. Srinivasan	13 Jan 21	4.13 Yr.
Rajeev Radhakrishnan	9 Jun 08	16.74 Yr.

Data below for SBI Magnum Children's Benefit Plan as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	18.41%
Equity	19.93%
Debt	61.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% State Government Of Uttar Pradesh 2036 Sovereign Bonds \| -	13%	₹15 Cr	1,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	8%	₹10 Cr	1,000,000
Sundaram Finance Limited Debentures \| -	4%	₹5 Cr	500
Rajasthan (Government of ) 7.49% - \| -	4%	₹5 Cr	500,000
Nexus Select Trust Debentures \| -	4%	₹5 Cr	500
Mahindra & Mahindra Financial Services Ltd Debentures \| -	4%	₹5 Cr	500
Gs CG 16/12/2026 - (Strips) Tb Sovereign Bonds \| -	3%	₹3 Cr	375,000
Muthoot Finance Limited Debentures \| -	3%	₹3 Cr	300
Avanse Financial Services Ltd. Debentures \| -	2%	₹3 Cr	300

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.

Tata Retirement Savings Fund-Moderate is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.1% since its launch. Ranked 2 in Retirement Fund category. Return for 2024 was 19.5% , 2023 was 25.3% and 2022 was -1.9% .

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

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (01 Apr 25)	₹58.7221 ↓ -0.53 (-0.89 %)
Net Assets (Cr)	₹1,908 on 28 Feb 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	-0.08
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
31 Mar 20	₹10,000
31 Mar 21	₹14,768
31 Mar 22	₹16,480
31 Mar 23	₹16,466
31 Mar 24	₹21,518
31 Mar 25	₹23,417

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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 31 Mar 25

Duration	Returns
1 Month	4.4%
3 Month	-9.2%
6 Month	-10.6%
1 Year	7.1%
3 Year	11.7%
5 Year	18.9%
10 Year
15 Year
Since launch	14.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	19.5%
2022	25.3%
2021	-1.9%
2020	20.5%
2019	15.1%
2018	8.6%
2017	-3.6%
2016	38.8%
2015	6.7%
2014	7.7%

Fund Manager information for Tata Retirement Savings Fund-Moderate

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	7.92 Yr.
Sonam Udasi	1 Apr 16	8.92 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	11.03%
Equity	74.04%
Debt	14.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	7%	₹126 Cr	12,500,000 ↑ 12,500,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	6%	₹119 Cr	687,500
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	4%	₹74 Cr	211,500
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	3%	₹64 Cr	1,613,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹55 Cr	266,500
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	3%	₹54 Cr	2,412,000 ↑ 45,000
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹50 Cr	108,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	3%	₹50 Cr	414,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	3%	₹48 Cr	54,855 ↑ 315
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| MGL	2%	₹39 Cr	315,000

3. Tata Retirement Savings Fund - Progressive

Tata Retirement Savings Fund - Progressive is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.1% since its launch. Ranked 6 in Retirement Fund category. Return for 2024 was 21.7% , 2023 was 29% and 2022 was -3.9% .

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

Tata Retirement Savings Fund - Progressive Growth
Launch Date	1 Nov 11
NAV (01 Apr 25)	₹58.9537 ↓ -0.55 (-0.92 %)
Net Assets (Cr)	₹1,803 on 28 Feb 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	-0.15
Information Ratio	-0.17
Alpha Ratio	3.79
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
31 Mar 20	₹10,000
31 Mar 21	₹15,520
31 Mar 22	₹17,297
31 Mar 23	₹17,065
31 Mar 24	₹23,228
31 Mar 25	₹25,016

Tata Retirement Savings Fund - Progressive SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 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 31 Mar 25

Duration	Returns
1 Month	5.1%
3 Month	-11.7%
6 Month	-14.1%
1 Year	5.8%
3 Year	12.3%
5 Year	20.6%
10 Year
15 Year
Since launch	14.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	21.7%
2022	29%
2021	-3.9%
2020	23.3%
2019	14.4%
2018	11.5%
2017	-6.1%
2016	49.1%
2015	3.1%
2014	7.8%

Fund Manager information for Tata Retirement Savings Fund - Progressive

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8 Yr.
Sonam Udasi	1 Apr 16	9 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	10.12%
Equity	89.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	7%	₹131 Cr	754,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	5%	₹85 Cr	243,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	4%	₹73 Cr	1,853,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	3%	₹60 Cr	2,718,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	3%	₹58 Cr	486,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	3%	₹56 Cr	64,035 ↑ 315
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹54 Cr	117,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹52 Cr	249,600
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| MGL	2%	₹43 Cr	351,000
DOMS Industries Ltd (Industrials) Equity, Since 31 Dec 23 \| DOMS	2%	₹40 Cr	165,996

4. Tata Retirement Savings Fund - Conservative

Tata Retirement Savings Fund - Conservative is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 8.6% since its launch. Ranked 7 in Retirement Fund category. Return for 2024 was 9.9% , 2023 was 12.1% and 2022 was 0.1% .

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

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (31 Mar 25)	₹30.3401 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹169 on 28 Feb 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	-0.43
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
31 Mar 20	₹10,000
31 Mar 21	₹11,837
31 Mar 22	₹12,492
31 Mar 23	₹12,632
31 Mar 24	₹14,415
31 Mar 25	₹15,326

Tata Retirement Savings Fund - Conservative SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 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 31 Mar 25

Duration	Returns
1 Month	2.5%
3 Month	-1.8%
6 Month	-2.5%
1 Year	6.3%
3 Year	7.1%
5 Year	8.9%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	9.9%
2022	12.1%
2021	0.1%
2020	7.6%
2019	11.8%
2018	7.6%
2017	0.8%
2016	15.1%
2015	10.6%
2014	6.4%

Fund Manager information for Tata Retirement Savings Fund - Conservative

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8 Yr.
Sonam Udasi	1 Apr 16	9 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	8.9%
Equity	25.08%
Debt	66.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	21%	₹35 Cr	3,500,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
7.36% Govt Stock 2052 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
7.27% Govt Stock 2026 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	6%	₹10 Cr	100
8.24% Govt Stock 2027 Sovereign Bonds \| -	3%	₹5 Cr	500,000
8.2% Govt Stock 2025 Sovereign Bonds \| -	3%	₹5 Cr	500,000
Bharti Telecom Limited Debentures \| -	3%	₹5 Cr	50
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	2%	₹4 Cr	20,750

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.

ICICI Prudential Child Care Plan (Gift) is a Solutions - Childrens Fund fund was launched on 31 Aug 01. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.4% since its launch. Ranked 24 in Childrens Fund category. Return for 2024 was 16.9% , 2023 was 29.2% and 2022 was 2.6% .

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 (01 Apr 25)	₹295.93 ↓ -2.97 (-0.99 %)
Net Assets (Cr)	₹1,183 on 28 Feb 25
Category	Solutions - Childrens Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.39
Sharpe Ratio	-0.35
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
31 Mar 20	₹10,000
31 Mar 21	₹14,686
31 Mar 22	₹17,276
31 Mar 23	₹17,259
31 Mar 24	₹24,697
31 Mar 25	₹26,545

ICICI Prudential Child Care Plan (Gift) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Mar 25

Duration	Returns
1 Month	6.5%
3 Month	-3.6%
6 Month	-9.6%
1 Year	4.9%
3 Year	14.8%
5 Year	22.1%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	16.9%
2022	29.2%
2021	2.6%
2020	24.8%
2019	8.8%
2018	8.5%
2017	-1.9%
2016	25%
2015	6.9%
2014	0.2%

Fund Manager information for ICICI Prudential Child Care Plan (Gift)

Name	Since	Tenure
Lalit Kumar	1 Jun 22	2.83 Yr.
Sharmila D’mello	30 Jun 22	2.75 Yr.
Darshil Dedhia	22 Jan 24	1.19 Yr.
Rohit Lakhotia	12 Jun 23	1.8 Yr.

Data below for ICICI Prudential Child Care Plan (Gift) as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	3.61%
Equity	84.06%
Debt	12.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	6%	₹73 Cr	462,833
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Jun 22 \| 532538	6%	₹68 Cr	66,700
7.53% Govt Stock 2034 Sovereign Bonds \| -	5%	₹59 Cr	5,866,260
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 24 \| INDIGO	4%	₹52 Cr	115,081 ↓ -32,552
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| M&M	4%	₹48 Cr	185,743
JSW Steel Ltd (Basic Materials) Equity, Since 31 Aug 22 \| JSWSTEEL	3%	₹39 Cr	409,287
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹36 Cr	3,500,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Jul 23 \| 532755	3%	₹34 Cr	226,374 ↓ -164,178
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 30 Jun 24 \| ADANIPORTS	3%	₹32 Cr	300,000
Info Edge (India) Ltd (Communication Services) Equity, Since 31 Aug 24 \| NAUKRI	3%	₹31 Cr	44,310

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.