Compare mutual funds | Krystal Capitals

How much it grew
	A: PGIM India Retirement Fund	B: Tata Retirement Savings Fund Moderate Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Union Retirement Fund
3-year returnA year, on averageMiddle return of funds of this type we offer: +7.5% a year	Not enough history	+9.5%	+14.6%Higher	+10.2%
1-year returnTotal over the last year	−3.4%	−0.1%Higher	−0.2%	−1.1%
5-year returnA year, on average	Not enough history	+7.4%	+12.2%Higher	Not enough history
Since launchA year, on average, with at least a year of history	+7.2%from Apr 2024	+13.3%from Nov 2011	+13.8%Higherfrom Feb 2019	+13.2%from Sept 2022

How it held up in falls

Worst fall

Biggest drop from a high, and when

A: PGIM India Retirement Fund−17.1%Smaller fall
Sept 2024 – Feb 2025
B: Tata Retirement Savings Fund Moderate Plan−29.7%
Feb 2020 – Mar 2020
C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan−28.9%
Jan 2020 – Mar 2020
D: Union Retirement Fund−18.2%
Sept 2024 – Feb 2025

How it held up in falls
	A: PGIM India Retirement Fund	B: Tata Retirement Savings Fund Moderate Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Union Retirement Fund
Worst fallBiggest drop from a high, and when	−17.1%Smaller fallSept 2024 – Feb 2025

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: PGIM India Retirement Fund	B: Tata Retirement Savings Fund Moderate Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Union Retirement Fund
3-year stretches that made moneyOut of every 3-year stretch on record	Not enough history	100%

Risk level

A: PGIM India Retirement FundSee the fund house's risk level
B: Tata Retirement Savings Fund Moderate PlanSee the fund house's risk level
C: ICICI Prudential Retirement Fund Hybrid Aggressive PlanSee the fund house's risk level
D: Union Retirement FundSee the fund house's risk level

Often used for

What funds of this type are usually for

A: PGIM India Retirement FundRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
B: Tata Retirement Savings Fund Moderate PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
C: ICICI Prudential Retirement Fund Hybrid Aggressive PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
D: Union Retirement FundRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.

Smallest SIP

The basics
	A: PGIM India Retirement Fund	B: Tata Retirement Savings Fund Moderate Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Union Retirement Fund
Risk level	See the fund house's risk level	See the fund house's risk level	See the fund house's risk level

Return in each calendar year.

Year by year
	A: PGIM India Retirement Fund	B: Tata Retirement Savings Fund Moderate Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Union Retirement Fund
2026 so far (total, not a yearly rate)	0.0%	+0.2%Higher	−2.0%	−1.8%
2025	+1.5%	+1.0%	+12.6%Higher	+6.1%
2024	Not enough history	+19.5%	+20.9%Higher	+17.4%
2023	Not enough history	+25.3%	+31.7%Higher	+30.1%
2022	Not enough history	−1.9%	+0.5%Higher	Not enough history
2021	Not enough history	+20.5%	+26.5%Higher	Not enough history

Past performance may or may not be sustained in future and is not a guarantee of future returns.

Worst 3-year stretchA year, from the unluckiest start date	Not enough history	+0.7%May 2017 – May 2020	+9.5%Jun 2019 – Jun 2022	+11.6%Smaller fallSept 2023 – Sept 2026

Worst calendar yearThe year and its return	+1.5%in 2025	−3.6%in 2018	+0.5%in 2022	+6.1%Smaller fallin 2025

Ups and downsLast 3 years. Lower is steadier.	Not enough history	12.4%Steadier	13.7%	14.3%

Typical 3-year returnThe middle of all 3-year stretches, a year	Not enough history	+14.1%	+18.9%Steadier	+16.5%

Often used forWhat funds of this type are usually for	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.