Compare mutual funds | Krystal Capitals

How much it grew
	A: Union Retirement Fund	B: Tata Retirement Savings Fund Progressive Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Axis Retirement Fund Dynamic Plan
3-year returnA year, on averageMiddle return of funds of this type we offer: +7.5% a year	+10.2%	+10.0%	+14.6%Higher	+9.5%
1-year returnTotal over the last year	−1.1%	−0.3%	−0.2%Higher	−4.9%
5-year returnA year, on average	Not enough history	+7.3%	+12.2%Higher	+5.4%
Since launchA year, on average, with at least a year of history	+13.2%from Sept 2022	+13.4%from Nov 2011	+13.8%Higherfrom Feb 2019	+9.9%from Dec 2019

How it held up in falls

Worst fall

Biggest drop from a high, and when

A: Union Retirement Fund−18.2%
Sept 2024 – Feb 2025
B: Tata Retirement Savings Fund Progressive Plan−34.3%
Feb 2020 – Mar 2020
C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan−28.9%
Jan 2020 – Mar 2020
D: Axis Retirement Fund Dynamic Plan−18.1%Smaller fall
Oct 2021 – Jun 2022

How it held up in falls
	A: Union Retirement Fund	B: Tata Retirement Savings Fund Progressive Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Axis Retirement Fund Dynamic Plan
Worst fallBiggest drop from a high, and when	−18.2%Sept 2024 – Feb 2025

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: Union Retirement Fund	B: Tata Retirement Savings Fund Progressive Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Axis Retirement Fund Dynamic Plan
3-year stretches that made moneyOut of every 3-year stretch on record	100%	100%

Risk level

A: Union Retirement FundSee the fund house's risk level
B: Tata Retirement Savings Fund Progressive PlanSee the fund house's risk level
C: ICICI Prudential Retirement Fund Hybrid Aggressive PlanSee the fund house's risk level
D: Axis Retirement Fund Dynamic PlanSee the fund house's risk level

Often used for

What funds of this type are usually for

A: Union Retirement FundRetirement 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: ICICI Prudential Retirement Fund Hybrid Aggressive PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
D: Axis Retirement Fund Dynamic PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.

Smallest SIP

The basics
	A: Union Retirement Fund	B: Tata Retirement Savings Fund Progressive Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Axis Retirement Fund Dynamic 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: Union Retirement Fund	B: Tata Retirement Savings Fund Progressive Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: Axis Retirement Fund Dynamic Plan
2026 so far (total, not a yearly rate)	−1.8%	+0.3%Higher	−2.0%	−4.6%
2025	+6.1%	−1.2%	+12.6%Higher	+1.5%
2024	+17.4%	+21.7%	+20.9%	+24.3%Higher
2023	+30.1%	+29.0%	+31.7%Higher	+20.1%
2022	Not enough history	−3.9%	+0.5%Higher	−6.5%
2021	Not enough history	+23.3%	+26.5%Higher	+19.1%

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	+11.6%Smaller fallSept 2023 – Sept 2026	+0.3%May 2017 – May 2020	+9.5%Jun 2019 – Jun 2022	+7.4%Feb 2020 – Feb 2023

Worst calendar yearThe year and its return	+6.1%Smaller fallin 2025	−6.1%in 2018	+0.5%in 2022	−6.5%in 2022

Ups and downsLast 3 years. Lower is steadier.	14.3%	14.5%	13.7%	11.9%Steadier

Typical 3-year returnThe middle of all 3-year stretches, a year	+16.5%	+15.2%	+18.9%Steadier	+12.3%

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.