UTI Retirement Fund
Retirement SolutionsHighOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹49.97-0.61%1 day
- Return since launch
- 10.5%
- 52-week range
- ₹47.86 — ₹51.24
- AUM
- ₹4,699 Cr
UTI Retirement Fund is a Retirement Solutions hybrid fund from UTI Mutual Fund with ₹4,699 Cr under management, launched in 1994. Over three years it has returned 4.0% a year, against 8.0% for its category. The expense ratio is 1.63% and the SEBI riskometer reading is High.
Performance
UTI Retirement Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +0.8% against -0.4% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -0.9% | −1.6 pts | 0.7% | -1.2% |
| 2Y | 1.3% | −0.9 pts | 2.2% | 1.3% |
| 3Y | 4.0% | −4.0 pts | 8.0% | 3.8% |
| 5Y | 7.4% | +0.4 pts | 6.9% | 7.0% |
| 7Y | 9.2% | −0.4 pts | 9.6% | 8.0% |
| 10Y | 8.8% | +0.7 pts | 8.1% | 8.1% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -2.0% | +0.6 pts | -2.6% | -2.4% |
| 3M | -0.8% | −0.1 pts | -0.8% | -1.1% |
| 6M | 2.4% | −1.9 pts | 4.3% | 4.2% |
| 1Y | 0.8% | +0.1 pts | 0.7% | -0.4% |
| 2Y | 0.9% | +0.6 pts | 0.3% | 0.8% |
| 3Y | 8.0% | 0.0 pts | 8.0% | 8.0% |
| 5Y | 8.0% | +1.0 pts | 6.9% | 6.8% |
| 7Y | 10.3% | +0.2 pts | 10.1% | 8.9% |
| 10Y | 8.3% | +0.2 pts | 8.1% | 8.1% |
Since launch (26 Dec 1994): 10.5%
Calendar-year returns
Category average12.4%
18.5%
5.3%
16.7%
14.3%
6.1%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.1% | −0.4 pts | 6.5% |
| 2024 | 14.3% | −0.5 pts | 14.8% |
| 2023 | 16.7% | −1.9 pts | 18.6% |
| 2022 | 5.3% | +2.9 pts | 2.4% |
| 2021 | 18.5% | +3.5 pts | 15.0% |
| 2020 | 12.4% | −2.2 pts | 14.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.57%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.31%
- Brokerage
- 0.02%
- Transaction charges
- 0.00%
- Statutory levies
- 0.24%
- Exit load
- Exit load of 1%, if redeemed within 1 year.
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Short Term Debt Hybrid 60+40 Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
High
Your principal is treated as being at high risk — typically diversified and large cap equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.98 | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.46 | 0.56 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.58 | 0.72 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 6.67 | 12.81 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Retirement Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity37.2%
- Debt46.7%
- Other16.0%
Market cap split
- Large67.0%
- Mid17.1%
- Small15.9%
- P/E
- 17.69
- P/B
- 2.52
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 14.73% | ₹692 Cr | +22.46% | +2.68% | +5.79% |
| ICICI Bank Ltd. | Financial | 3.17% | ₹149 Cr | +2.43% | +2.59% | +3.10% |
| HDFC Bank Ltd. | Financial | 3.11% | ₹146 Cr | +2.88% | +2.98% | +3.50% |
| GOI | Sovereign | 3.06% | ₹144 Cr | +3.11% | +3.08% | +3.31% |
| National Bank For Agriculture & Rural Development | Financial | 2.30% | ₹108 Cr | +1.62% | +1.61% | +1.65% |
| Infosys Ltd. | Technology | 2.14% | ₹101 Cr | +1.91% | +1.86% | +2.02% |
| Reliance Industries Ltd. | Energy | 2.14% | ₹100 Cr | +1.42% | +1.50% | +1.45% |
| Small Industries Devp. Bank of India Ltd. | Financial | 2.10% | ₹98.67 Cr | +3.22% | +3.19% | +4.92% |
| company:19991 | Unclassified | 1.70% | ₹80.05 Cr | — | — | +0.32% |
| Larsen & Toubro Ltd. | Construction | 1.61% | ₹75.55 Cr | +1.53% | +1.41% | +0.86% |
| Power Finance Corporation Ltd. | Financial | 1.59% | ₹74.64 Cr | +1.61% | +1.61% | +1.66% |
| State Bank of India | Financial | 1.43% | ₹67.15 Cr | +0.75% | +0.99% | +0.62% |
| ITC Ltd. | Consumer Staples | 1.23% | ₹57.61 Cr | +1.31% | +1.24% | +1.59% |
| Rajasthan State | Others | 1.19% | ₹55.88 Cr | +1.20% | +1.20% | — |
| Andhra Pradesh State | Financial | 1.08% | ₹50.65 Cr | +1.09% | +0.51% | +0.53% |
| Aditya Birla Finance Ltd. | Financial | 1.06% | ₹49.95 Cr | +1.08% | +1.07% | +1.10% |
| Kerala State | Others | 1.06% | ₹49.80 Cr | +1.07% | +1.06% | — |
| Export-Import Bank Of India | Financial | 1.05% | ₹49.44 Cr | +1.07% | +1.06% | +1.09% |
| Power Grid Corporation Of India Ltd. | Energy | 0.98% | ₹46.22 Cr | +1.14% | +1.14% | +0.87% |
| Bharti Airtel Ltd. | Communication | 0.97% | ₹45.76 Cr | +1.16% | +0.52% | +0.65% |
| Shriram Finance Ltd | Financial | 0.96% | ₹45.23 Cr | +0.79% | +0.87% | +0.51% |
| Mahindra & Mahindra Ltd. | Automobile | 0.86% | ₹40.46 Cr | +0.77% | +0.84% | +0.83% |
| REC Ltd. | Financial | 0.84% | ₹39.55 Cr | +1.08% | +1.05% | +1.07% |
| HCL Technologies Ltd. | Technology | 0.83% | ₹38.90 Cr | +0.76% | +0.87% | +0.78% |
| Wipro Ltd. | Technology | 0.76% | ₹35.82 Cr | +1.01% | +0.93% | +0.91% |
| Aditya Birla Housing Finance Ltd. | Financial | 0.75% | ₹35.01 Cr | +0.54% | +0.53% | +0.55% |
| Life Insurance Corporation of India | Insurance | 0.71% | ₹33.32 Cr | +0.70% | +0.57% | — |
| Hero Motocorp Ltd. | Automobile | 0.68% | ₹31.97 Cr | +0.49% | +0.37% | +0.36% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.68% | ₹31.91 Cr | +0.19% | — | — |
| Indus Towers Ltd. | Communication | 0.64% | ₹30.12 Cr | +0.88% | +0.88% | +0.75% |
| Haryana State | Others | 0.64% | ₹30.07 Cr | +1.07% | +1.07% | +0.02% |
| Aurobindo Pharma Ltd. | Healthcare | 0.60% | ₹28.30 Cr | +0.51% | +0.51% | +0.37% |
| Info Edge (India) Ltd. | Services | 0.59% | ₹27.68 Cr | +0.46% | +0.35% | — |
| Grasim Industries Ltd. | Materials | 0.56% | ₹26.48 Cr | +0.57% | +0.50% | +0.51% |
| Interglobe Aviation Ltd. | Services | 0.54% | ₹25.57 Cr | +0.47% | +0.50% | +0.75% |
| India Universal Trust AL1 | Others | 0.54% | ₹25.55 Cr | 0.00% | +0.58% | +0.61% |
| Indian Railway Finance Corporation Ltd. | Financial | 0.53% | ₹25.04 Cr | +0.54% | +0.54% | +0.56% |
| Madhya Pradesh State | Others | 0.53% | ₹24.87 Cr | +1.02% | +1.01% | +0.53% |
| Bharti Telecom Ltd. | Communication | 0.53% | ₹24.82 Cr | — | — | — |
| Poonawalla Fincorp Ltd. | Financial | 0.53% | ₹24.76 Cr | +0.53% | +0.53% | +0.54% |
| Axis Finance Ltd. | Financial | 0.53% | ₹24.69 Cr | +0.53% | +0.53% | +0.54% |
| Bajaj Finance Ltd. | Financial | 0.52% | ₹24.63 Cr | +0.53% | +1.05% | +1.08% |
| Canara Bank | Financial | 0.52% | ₹24.33 Cr | +0.52% | +0.50% | — |
| Shivshakti Securitisation Trust | Others | 0.52% | ₹24.29 Cr | +0.53% | +0.53% | — |
| Ajanta Pharma Ltd. | Healthcare | 0.52% | ₹24.24 Cr | +0.51% | +0.52% | +0.45% |
| VRL Logistics Ltd. | Services | 0.51% | ₹24.19 Cr | +0.39% | +0.24% | — |
| GHCL Ltd. | Chemicals | 0.50% | ₹23.59 Cr | +0.42% | +0.26% | +0.23% |
| NIIT Learning Systems Ltd. | Services | 0.48% | ₹22.54 Cr | +0.41% | +0.52% | +0.49% |
| Caplin Point Laboratories Ltd. | Healthcare | 0.46% | ₹21.56 Cr | +0.54% | +0.40% | +0.51% |
| DCM Shriram Ltd. | Chemicals | 0.43% | ₹20.39 Cr | +0.40% | +0.25% | +0.27% |
| Tata Power Company Ltd. | Energy | 0.43% | ₹20.34 Cr | +0.54% | — | — |
| Torrent Pharmaceuticals Ltd. | Healthcare | 0.42% | ₹19.85 Cr | +0.43% | +0.42% | — |
| Knowledge Realty Trust | Construction | 0.41% | ₹19.48 Cr | +0.44% | +0.45% | +0.41% |
| Motilal Oswal Financial Services Ltd. | Financial | 0.41% | ₹19.40 Cr | +0.39% | +0.32% | +0.40% |
| Aditya Birla Capital Ltd. | Financial | 0.41% | ₹19.36 Cr | +0.39% | +0.36% | +0.39% |
| Indusind Bank Ltd. | Financial | 0.41% | ₹19.30 Cr | +0.38% | +0.44% | +0.39% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 0.41% | ₹19.15 Cr | +0.47% | +0.42% | +0.37% |
| Nexus Select Trust | Construction | 0.40% | ₹19.01 Cr | +0.43% | +0.43% | +0.16% |
| Sundaram Finance Ltd. | Financial | 0.40% | ₹18.97 Cr | +0.35% | +0.44% | +0.37% |
| GR Infraprojects Ltd. | Construction | 0.40% | ₹18.77 Cr | +0.38% | +0.36% | +0.41% |
| Tata Motors Ltd. | Automobile | 0.38% | ₹17.66 Cr | +0.24% | +0.27% | — |
| Emami Ltd. | Consumer Staples | 0.37% | ₹17.55 Cr | +0.50% | +0.46% | +0.49% |
| Coal India Ltd. | Materials | 0.36% | ₹17.06 Cr | +0.53% | +0.48% | — |
| IRB InvIT Fund | Construction | 0.36% | ₹16.80 Cr | +0.34% | +0.34% | — |
| Alembic Pharmaceuticals Ltd. | Healthcare | 0.35% | ₹16.51 Cr | +0.20% | — | — |
| General Insurance Corporation of India | Insurance | 0.35% | ₹16.43 Cr | +0.31% | +0.25% | — |
| The Phoenix Mills Ltd. | Construction | 0.34% | ₹16.17 Cr | +0.40% | +0.34% | +0.30% |
| West Bengal State | Others | 0.34% | ₹16.11 Cr | +0.06% | +1.07% | — |
| Piramal Finance Ltd. | Financial | 0.34% | ₹15.77 Cr | +0.34% | +0.34% | +0.35% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | 0.34% | ₹15.75 Cr | +0.37% | +0.31% | +0.25% |
| Marksans Pharma Ltd. | Healthcare | 0.32% | ₹15.07 Cr | +0.37% | +0.28% | +0.20% |
| Max Financial Services Ltd. | Financial | 0.30% | ₹14.01 Cr | +0.32% | +0.34% | +0.34% |
| Raymond Lifestyle Ltd. | Consumer Discretionary | 0.29% | ₹13.64 Cr | +0.24% | +0.29% | +0.37% |
| Maruti Suzuki India Ltd. | Automobile | 0.28% | ₹13.26 Cr | +0.65% | +0.76% | +0.97% |
| The Federal Bank Ltd. | Financial | 0.27% | ₹12.51 Cr | +0.43% | +0.44% | +0.40% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 0.26% | ₹12.37 Cr | +0.27% | +0.26% | — |
| Mahindra Holidays & Resorts India Ltd. | Services | 0.25% | ₹11.97 Cr | +0.27% | +0.33% | +0.41% |
| The Great Eastern Shipping Company Ltd. | Energy | 0.25% | ₹11.89 Cr | +0.28% | +0.26% | +0.36% |
| National Aluminium Company Ltd. | Metals & Mining | 0.25% | ₹11.64 Cr | — | — | — |
| Tips Industries Ltd. | Services | 0.24% | ₹11.31 Cr | +0.37% | +0.29% | +0.27% |
| JK Paper Ltd. | Consumer Staples | 0.24% | ₹11.26 Cr | +0.39% | +0.39% | +0.43% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | 0.24% | ₹11.20 Cr | +0.22% | +0.46% | +0.56% |
| UPL Ltd. | Chemicals | 0.20% | ₹9.18 Cr | +0.26% | +0.25% | +0.27% |
| company:2642 | Energy | 0.18% | ₹8.65 Cr | — | — | +0.46% |
| S.P. Apparels Ltd. | Textiles | 0.18% | ₹8.55 Cr | +0.24% | +0.17% | +0.16% |
| Rossari Biotech Ltd. | Chemicals | 0.15% | ₹6.93 Cr | +0.16% | +0.15% | +0.19% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | Unclassified | 0.12% | ₹5.41 Cr | +0.11% | +0.11% | +0.11% |
| Axis Bank Ltd. | Financial | 0.11% | ₹5.00 Cr | +0.11% | +0.11% | +0.11% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | Unclassified | 0.10% | ₹4.73 Cr | +0.10% | +0.10% | +0.10% |
| company:953 | Healthcare | 0.07% | ₹3.33 Cr | — | — | +0.49% |
| Indus Infra Trust | Construction | 0.07% | ₹3.30 Cr | — | — | — |
| Vedanta Iron And Steel Ltd. | Metals & Mining | 0.06% | ₹2.70 Cr | +0.19% | — | — |
| Uttar Pradesh State | Others | 0.04% | ₹1.97 Cr | +0.04% | — | — |
| Maharashtra State | Others | 0.00% | ₹0.06 Cr | 0.00% | 0.00% | 0.00% |
| Information Technologies (India) Ltd. | Technology | 0.00% | ₹0.00 Cr | 0.00% | 0.00% | 0.00% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Others | 12.28% | 14.70% | +2.43% |
| company:19991 | 0.00% | 1.70% | +1.70% |
| West Bengal State | 1.03% | 0.34% | -0.69% |
| Madhya Pradesh State | 1.01% | 0.53% | -0.48% |
| Haryana State | 1.06% | 0.64% | -0.42% |
| Maruti Suzuki India Ltd. | 0.69% | 0.28% | -0.41% |
| Colgate-Palmolive (India) Ltd. | 0.27% | 0.00% | -0.27% |
| Bharti Airtel Ltd. | 1.22% | 0.97% | -0.24% |
| Life Insurance Corporation of India | 0.52% | 0.71% | +0.19% |
| company:2642 | 0.00% | 0.18% | +0.18% |
| HDFC Bank Ltd. | 3.26% | 3.11% | -0.15% |
| Biocon Ltd. | 0.15% | 0.00% | -0.15% |
| Reliance Industries Ltd. | 2.00% | 2.14% | +0.13% |
| Emami Ltd. | 0.51% | 0.37% | -0.13% |
| The Federal Bank Ltd. | 0.38% | 0.27% | -0.12% |
| UTI Nifty 50 ETF | 0.11% | 0.00% | -0.11% |
| Alembic Pharmaceuticals Ltd. | 0.25% | 0.35% | +0.11% |
| Power Grid Corporation Of India Ltd. | 1.09% | 0.98% | -0.10% |
| Tata Motors Ltd. | 0.27% | 0.38% | +0.10% |
| Caplin Point Laboratories Ltd. | 0.54% | 0.46% | -0.09% |
| Mindspace Business Parks REIT | 0.08% | 0.00% | -0.08% |
| ITC Ltd. | 1.31% | 1.23% | -0.08% |
| Motilal Oswal Financial Services Ltd. | 0.34% | 0.41% | +0.08% |
| company:953 | 0.00% | 0.07% | +0.07% |
| VRL Logistics Ltd. | 0.45% | 0.51% | +0.07% |
| Marksans Pharma Ltd. | 0.26% | 0.32% | +0.06% |
| National Aluminium Company Ltd. | 0.19% | 0.25% | +0.06% |
| Shriram Finance Ltd | 0.90% | 0.96% | +0.06% |
| ICICI Bank Ltd. | 3.11% | 3.17% | +0.06% |
| Raymond Lifestyle Ltd. | 0.23% | 0.29% | +0.06% |
| State Bank of India | 1.38% | 1.43% | +0.05% |
| Aurobindo Pharma Ltd. | 0.55% | 0.60% | +0.05% |
| Larsen & Toubro Ltd. | 1.56% | 1.61% | +0.05% |
| Nexus Select Trust | 0.45% | 0.40% | -0.05% |
| Info Edge (India) Ltd. | 0.55% | 0.59% | +0.04% |
| UPL Ltd. | 0.24% | 0.20% | -0.04% |
| Crompton Greaves Consumer Electricals Ltd. | 0.45% | 0.41% | -0.04% |
| GHCL Ltd. | 0.46% | 0.50% | +0.04% |
| Tata Power Company Ltd. | 0.47% | 0.43% | -0.04% |
| General Insurance Corporation of India | 0.31% | 0.35% | +0.04% |
| Tips Industries Ltd. | 0.28% | 0.24% | -0.04% |
| Grasim Industries Ltd. | 0.60% | 0.56% | -0.04% |
| Indus Towers Ltd. | 0.67% | 0.64% | -0.03% |
| ICICI Prudential Life Insurance Company Ltd. | 0.37% | 0.34% | -0.03% |
| Knowledge Realty Trust | 0.44% | 0.41% | -0.03% |
| Vedanta Aluminium Metal Ltd. | 0.70% | 0.68% | -0.03% |
| Mahindra & Mahindra Ltd. | 0.89% | 0.86% | -0.03% |
| Glenmark Pharmaceuticals Ltd. | 0.21% | 0.24% | +0.02% |
| NIIT Learning Systems Ltd. | 0.50% | 0.48% | -0.02% |
| Ajanta Pharma Ltd. | 0.54% | 0.52% | -0.02% |
| Infosys Ltd. | 2.12% | 2.14% | +0.02% |
| Power Finance Corporation Ltd. | 1.61% | 1.59% | -0.02% |
| HCL Technologies Ltd. | 0.85% | 0.83% | -0.02% |
| GR Infraprojects Ltd. | 0.38% | 0.40% | +0.02% |
| Max Financial Services Ltd. | 0.28% | 0.30% | +0.02% |
| DCM Shriram Ltd. | 0.42% | 0.43% | +0.01% |
| IRB InvIT Fund | 0.34% | 0.36% | +0.01% |
| Hero Motocorp Ltd. | 0.67% | 0.68% | +0.01% |
| S.P. Apparels Ltd. | 0.17% | 0.18% | +0.01% |
| Interglobe Aviation Ltd. | 0.53% | 0.54% | +0.01% |
| Rajasthan State | 1.20% | 1.19% | -0.01% |
| Mahindra Holidays & Resorts India Ltd. | 0.26% | 0.25% | -0.01% |
| Coal India Ltd. | 0.37% | 0.36% | -0.01% |
| Sundaram Finance Ltd. | 0.41% | 0.40% | -0.01% |
| The Great Eastern Shipping Company Ltd. | 0.26% | 0.25% | -0.01% |
| Wipro Ltd. | 0.75% | 0.76% | +0.01% |
| Mphasis Ltd. | 0.01% | 0.00% | -0.01% |
| Vedanta Iron And Steel Ltd. | 0.05% | 0.06% | +0.01% |
| Aditya Birla Capital Ltd. | 0.40% | 0.41% | +0.01% |
| Indian Railway Finance Corporation Ltd. | 0.54% | 0.53% | -0.01% |
| India Universal Trust AL1 | 0.55% | 0.54% | -0.01% |
| Canara Bank | 0.51% | 0.52% | +0.01% |
| Export-Import Bank Of India | 1.06% | 1.05% | -0.01% |
| Rossari Biotech Ltd. | 0.15% | 0.15% | 0.00% |
| Vedanta Power Ltd | 0.00% | 0.00% | 0.00% |
| Piramal Finance Ltd. | 0.33% | 0.34% | 0.00% |
| JK Paper Ltd. | 0.23% | 0.24% | 0.00% |
| Indusind Bank Ltd. | 0.41% | 0.41% | 0.00% |
| REC Ltd. | 0.53% | 0.53% | 0.00% |
| The Phoenix Mills Ltd. | 0.34% | 0.34% | 0.00% |
| Aditya Birla Housing Finance Ltd. | 0.74% | 0.75% | 0.00% |
| Andhra Pradesh State | 1.08% | 1.08% | 0.00% |
| Aditya Birla Finance Ltd. | 1.06% | 1.06% | 0.00% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | 0.10% | 0.10% | 0.00% |
| Poonawalla Fincorp Ltd. | 0.52% | 0.53% | 0.00% |
| Kerala State | 1.06% | 1.06% | 0.00% |
| Bharti Telecom Ltd. | 0.53% | 0.53% | 0.00% |
| Axis Finance Ltd. | 0.52% | 0.53% | 0.00% |
| GOI | 3.06% | 3.06% | 0.00% |
| Indus Infra Trust | 0.07% | 0.07% | 0.00% |
| National Bank For Agriculture & Rural Development | 0.21% | 0.21% | 0.00% |
| Bajaj Finance Ltd. | 0.52% | 0.52% | 0.00% |
| Torrent Pharmaceuticals Ltd. | 0.42% | 0.42% | 0.00% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | 0.11% | 0.12% | 0.00% |
| Axis Bank Ltd. | 0.11% | 0.11% | 0.00% |
| Uttar Pradesh State | 0.04% | 0.04% | 0.00% |
| Small Industries Devp. Bank of India Ltd. | 1.06% | 1.06% | 0.00% |
| Shivshakti Securitisation Trust | 0.52% | 0.52% | 0.00% |
| Godrej Seeds & Genetics Ltd. | 0.26% | 0.26% | 0.00% |
| Maharashtra State | 0.00% | 0.00% | 0.00% |
| Information Technologies (India) Ltd. | 0.00% | 0.00% | 0.00% |
Compare
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The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹936 Cr | 2.43% | 0.9% | 5.4% | 9.4% |
 Tata Retirement Savings Moderate Fund | ₹2,251 Cr | 2.17% | 5.8% | 6.5% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,320 Cr | 2.48% | 3.3% | 9.6% | 14.2% |
 Axis Retirement Fund - Aggressive Plan | ₹706 Cr | 2.49% | -3.0% | 2.7% | 6.9% |
| Axis Retirement Fund - Dynamic Plan | ₹285 Cr | 2.57% | -1.6% | 3.4% | 7.6% |
 Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹116 Cr | 2.42% | -0.2% | 5.0% | 8.4% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate a corpus to provide for pension in the form of periodical income / cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments.
Fund managers
- Anurag MittalMr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
- V SrivatsaMr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore.Prior to joining UTI Mutual Fund in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.40% absolute | ₹60,000 | ₹61,440 | 2.40% | |
| 1 year0.84% annualised | ₹1,20,000 | ₹1,20,547 | 0.46% | |
| 3 years8.01% annualised | ₹3,60,000 | ₹4,08,123 | 13.37% | |
| 5 years7.97% annualised | ₹6,00,000 | ₹7,39,071 | 23.18% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of UTI Retirement Fund?
The NAV of UTI Retirement Fund is ₹49.97 as on 24 Sep 2026.
What is the expense ratio of UTI Retirement Fund?
The expense ratio of UTI Retirement Fund is 1.63% per year.
What is the minimum SIP amount for UTI Retirement Fund?
You can start a SIP in UTI Retirement Fund with ₹3,000 a month.
What returns has UTI Retirement Fund given?
UTI Retirement Fund has returned -0.9% over 1 year, 4.0% over 3 years and 7.4% over 5 years (annualised).
Is there a lock-in or exit load on UTI Retirement Fund?
Lock-in: 5 years. Exit load: Exit load of 1%, if redeemed within 1 year..
How risky is UTI Retirement Fund?
UTI Retirement Fund is rated High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages UTI Retirement Fund?
UTI Retirement Fund is managed by UTI Mutual Fund, which runs 66 schemes with ₹3,94,848 Cr under management.