Compare mutual funds | Krystal Capitals

How much it grew
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Progressive Plan	C: Union Retirement Fund	D: ICICI Prudential Retirement Fund Pure Equity Plan
3-year returnA year, on averageMiddle return of funds of this type we offer: +7.5% a year	+5.8%	+10.0%	+10.2%	+16.8%Higher
1-year returnTotal over the last year	+0.2%Higher	−0.3%	−1.1%	−0.1%
5-year returnA year, on average	+6.1%	+7.3%	Not enough history	+16.0%Higher
Since launchA year, on average, with at least a year of history	+6.7%from Feb 2021	+13.4%from Nov 2011	+13.2%from Sept 2022	+17.2%Higherfrom Feb 2019

How it held up in falls

Worst fall

Biggest drop from a high, and when

A: SBI Retirement Benefit Fund Conservative Plan−4.6%Smaller fall
Jan 2026 – Mar 2026
B: Tata Retirement Savings Fund Progressive Plan−34.3%
Feb 2020 – Mar 2020
C: Union Retirement Fund−18.2%
Sept 2024 – Feb 2025
D: ICICI Prudential Retirement Fund Pure Equity Plan−37.4%
Jan 2020 – Mar 2020

How it held up in falls
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Progressive Plan	C: Union Retirement Fund	D: ICICI Prudential Retirement Fund Pure Equity Plan
Worst fallBiggest drop from a high, and when	−4.6%Smaller fallJan 2026 – Mar 2026

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Progressive Plan	C: Union Retirement Fund	D: ICICI Prudential Retirement Fund Pure Equity Plan
3-year stretches that made moneyOut of every 3-year stretch on record	100%	100%

Risk level

A: SBI Retirement Benefit Fund Conservative PlanSee the fund house's risk level
B: Tata Retirement Savings Fund Progressive PlanSee the fund house's risk level
C: Union Retirement FundSee the fund house's risk level
D: ICICI Prudential Retirement Fund Pure Equity PlanSee the fund house's risk level

Often used for

What funds of this type are usually for

A: SBI Retirement Benefit Fund Conservative PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
B: Tata Retirement Savings Fund Progressive PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
C: Union Retirement FundRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
D: ICICI Prudential Retirement Fund Pure Equity PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.

Smallest SIP

The basics
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Progressive Plan	C: Union Retirement Fund	D: ICICI Prudential Retirement Fund Pure Equity Plan
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: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Progressive Plan	C: Union Retirement Fund	D: ICICI Prudential Retirement Fund Pure Equity Plan
2026 so far (total, not a yearly rate)	+0.4%Higher	+0.3%	−1.8%	−1.5%
2025	+5.1%	−1.2%	+6.1%	+14.0%Higher
2024	+9.0%	+21.7%	+17.4%	+23.4%Higher
2023	+11.3%	+29.0%	+30.1%	+38.1%Higher
2022	+4.9%Higher	−3.9%	Not enough history	+2.1%
2021	Not enough history	+23.3%	Not enough history	+47.3%Higher

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	+5.9%Oct 2023 – Oct 2026	+0.3%May 2017 – May 2020	+11.6%Sept 2023 – Sept 2026	+14.4%Smaller fallJun 2019 – Jun 2022

Worst calendar yearThe year and its return	+4.9%in 2022	−6.1%in 2018	+6.1%Smaller fallin 2025	+2.1%in 2022

Ups and downsLast 3 years. Lower is steadier.	3.6%Steadier	14.5%	14.3%	16.2%

Typical 3-year returnThe middle of all 3-year stretches, a year	+8.3%	+15.2%	+16.5%	+24.1%Steadier

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.