Index, ETF, FoF & Other Funds
Retirement & Children’s Funds
Solution-oriented schemes with a 5-year lock-in.
Updated 27 September 2026 · SEBI rules as of 2026
Lock-in
5 years or retirement / child’s majority (whichever earlier)
Index, ETF, FoF & Other FundsOverview
SEBI’s solution-oriented category covers retirement funds and children’s funds. Both have a lock-in of 5 years or until retirement age / the child’s majority, whichever is earlier.
| Particular | Details |
|---|---|
| Lock-in | 5 years or retirement / child’s majority (whichever earlier) |
| Variants | Equity, hybrid and debt-oriented plans |
| Tax | As per underlying equity/debt share |
Things to know
- Lock-in enforces discipline but limits flexibility
- Compare with a regular flexi cap or hybrid fund plus your own discipline
- Check asset-allocation and switch options within the scheme
Frequently asked questions
Do children’s funds give tax deduction?
No, unlike ELSS they do not qualify for the ₹1.5 lakh deduction.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Information is educational and may change with SEBI / tax rules — verify with the AMC, AMFI or SEBI. FinancePortal is not an investment adviser.