UTI Retirement Fund
Retirement SolutionsHighOPEN-ENDED
- NAV as on 6 Nov 2026
- ₹50.85+0.50%1 day
- Return since launch
- 10.5%
- 52-week range
- ₹47.86 — ₹51.24
- AUM
- ₹4,578 Cr
UTI Retirement Fund is a Retirement Solutions hybrid fund from UTI Mutual Fund with ₹4,578 Cr under management, launched in 1994. Over three years it has returned 4.5% a year, against 8.6% 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 +1.1% against +0.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 2.7% | +1.3 pts | 1.4% | 3.0% |
| 2Y | 3.0% | −1.2 pts | 4.2% | 3.3% |
| 3Y | 4.5% | −4.0 pts | 8.6% | 4.5% |
| 5Y | 7.6% | +0.5 pts | 7.0% | 7.3% |
| 7Y | 9.3% | −0.3 pts | 9.5% | 8.2% |
| 10Y | 8.9% | +0.6 pts | 8.3% | 8.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 3.0% | −0.2 pts | 3.2% | 3.7% |
| 3M | -0.7% | +0.1 pts | -0.7% | -0.7% |
| 6M | 1.5% | −0.4 pts | 1.9% | 2.9% |
| 1Y | 1.1% | −0.2 pts | 1.4% | 0.1% |
| 2Y | 2.9% | 0.0 pts | 2.9% | 3.3% |
| 3Y | 8.6% | 0.0 pts | 8.6% | 8.5% |
| 5Y | 7.9% | +0.8 pts | 7.0% | 7.0% |
| 7Y | 10.5% | +0.5 pts | 9.9% | 9.0% |
| 10Y | 8.5% | +0.2 pts | 8.3% | 8.3% |
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
1.63%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.36%
- Brokerage
- 0.02%
- Transaction charges
- 0.00%
- Statutory levies
- 0.25%
- 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 | 0.32 | 0.40 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.43 | 0.54 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 6.87 | 13.28 | 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 30 Sep 2026
Asset allocation
- Equity36.7%
- Debt47.3%
- Other16.0%
Market cap split
- Large66.7%
- Mid16.5%
- Small16.8%
- P/E
- 16.03
- P/B
- 2.23
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 14.30% | ₹655 Cr | +23.73% | +4.78% | +8.44% |
| Export-Import Bank Of India | Financial | 3.19% | ₹146 Cr | +2.13% | +2.21% | +2.17% |
| HDFC Bank Ltd. | Financial | 3.19% | ₹146 Cr | +3.19% | +2.59% | +3.41% |
| GOI | Sovereign | 3.11% | ₹142 Cr | +3.08% | +3.18% | +0.56% |
| ICICI Bank Ltd. | Financial | 2.96% | ₹135 Cr | +2.78% | +2.40% | +2.82% |
| National Bank For Agriculture & Rural Development | Financial | 2.37% | ₹108 Cr | +1.62% | +1.68% | +1.65% |
| Small Industries Devp. Bank of India Ltd. | Financial | 2.15% | ₹98.51 Cr | +3.21% | +3.34% | +4.91% |
| Reliance Industries Ltd. | Energy | 2.12% | ₹97.26 Cr | +1.40% | +1.49% | +1.54% |
| Infosys Ltd. | Technology | 1.96% | ₹89.72 Cr | +1.66% | +1.89% | +2.03% |
| REC Ltd. | Financial | 1.95% | ₹89.47 Cr | +1.59% | +1.66% | +1.60% |
| UTI Floating Interest Rates Fund Direct-Growth | Unclassified | 1.75% | ₹80.34 Cr | — | — | — |
| Power Finance Corporation Ltd. | Financial | 1.61% | ₹73.86 Cr | +1.62% | +1.67% | +1.65% |
| Larsen & Toubro Ltd. | Construction | 1.53% | ₹70.23 Cr | +1.60% | +1.35% | +1.03% |
| State Bank of India | Financial | 1.33% | ₹60.79 Cr | +1.34% | +0.83% | +0.68% |
| ITC Ltd. | Consumer Staples | 1.33% | ₹60.70 Cr | +1.34% | +1.23% | +1.61% |
| Rajasthan State | Others | 1.20% | ₹55.04 Cr | +1.20% | +1.24% | +1.22% |
| West Bengal State | Others | 1.13% | ₹51.67 Cr | +0.06% | +0.56% | +1.08% |
| Aditya Birla Finance Ltd. | Financial | 1.09% | ₹49.75 Cr | +1.07% | +1.12% | +1.09% |
| Power Grid Corporation Of India Ltd. | Energy | 1.08% | ₹49.59 Cr | +1.10% | +1.20% | +0.88% |
| Bharti Airtel Ltd. | Communication | 0.93% | ₹42.62 Cr | +1.15% | +0.96% | +0.58% |
| Shriram Finance Ltd | Financial | 0.83% | ₹37.88 Cr | +0.90% | +0.75% | +0.54% |
| Mahindra & Mahindra Ltd. | Automobile | 0.79% | ₹36.37 Cr | +0.76% | +0.77% | +0.88% |
| Coal India Ltd. | Materials | 0.77% | ₹35.07 Cr | +0.45% | +0.53% | +0.44% |
| Aditya Birla Housing Finance Ltd. | Financial | 0.76% | ₹35.00 Cr | +0.53% | +0.56% | +0.54% |
| Life Insurance Corporation of India | Insurance | 0.69% | ₹31.51 Cr | +0.58% | +0.63% | +0.35% |
| Wipro Ltd. | Technology | 0.67% | ₹30.78 Cr | +0.79% | +0.96% | +0.89% |
| Hero Motocorp Ltd. | Automobile | 0.67% | ₹30.75 Cr | +0.57% | +0.47% | +0.43% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.66% | ₹30.28 Cr | +0.70% | — | — |
| Kerala State | Others | 0.64% | ₹29.37 Cr | +1.07% | +1.10% | — |
| Indus Towers Ltd. | Communication | 0.63% | ₹28.91 Cr | +0.72% | +0.86% | +0.92% |
| Aurobindo Pharma Ltd. | Healthcare | 0.60% | ₹27.56 Cr | +0.55% | +0.58% | +0.43% |
| Info Edge (India) Ltd. | Services | 0.56% | ₹25.71 Cr | +0.44% | +0.46% | — |
| Oil And Natural Gas Corporation Ltd. | Energy | 0.55% | ₹25.38 Cr | — | — | +0.18% |
| India Universal Trust AL1 | Others | 0.55% | ₹25.14 Cr | +0.56% | +0.60% | +0.61% |
| Indian Railway Finance Corporation Ltd. | Financial | 0.54% | ₹24.81 Cr | +0.54% | +0.56% | +0.55% |
| Bharti Telecom Ltd. | Communication | 0.54% | ₹24.81 Cr | — | — | — |
| Poonawalla Fincorp Ltd. | Financial | 0.54% | ₹24.74 Cr | +0.53% | +0.55% | +0.54% |
| Axis Finance Ltd. | Financial | 0.54% | ₹24.64 Cr | +0.53% | +0.55% | +0.54% |
| Bajaj Finance Ltd. | Financial | 0.54% | ₹24.55 Cr | +0.53% | +1.10% | +1.07% |
| Canara Bank | Financial | 0.53% | ₹24.46 Cr | +0.51% | +0.53% | — |
| Madhya Pradesh State | Others | 0.53% | ₹24.41 Cr | +1.02% | +1.04% | — |
| Ajanta Pharma Ltd. | Healthcare | 0.53% | ₹24.37 Cr | +0.58% | +0.50% | +0.49% |
| Interglobe Aviation Ltd. | Services | 0.53% | ₹24.35 Cr | +0.56% | +0.43% | +0.74% |
| Shivshakti Securitisation Trust | Others | 0.52% | ₹23.86 Cr | +0.52% | +0.55% | +0.54% |
| VRL Logistics Ltd. | Services | 0.50% | ₹22.91 Cr | +0.40% | +0.32% | — |
| HCL Technologies Ltd. | Technology | 0.50% | ₹22.81 Cr | +0.68% | +0.89% | +0.80% |
| GHCL Ltd. | Chemicals | 0.49% | ₹22.43 Cr | +0.39% | +0.40% | +0.25% |
| Caplin Point Laboratories Ltd. | Healthcare | 0.47% | ₹21.63 Cr | +0.59% | +0.41% | +0.45% |
| Grasim Industries Ltd. | Materials | 0.47% | ₹21.60 Cr | +0.60% | +0.48% | +0.50% |
| Tata Power Company Ltd. | Energy | 0.46% | ₹21.04 Cr | +0.48% | +0.34% | — |
| DCM Shriram Ltd. | Chemicals | 0.46% | ₹20.92 Cr | +0.41% | +0.44% | +0.26% |
| NIIT Learning Systems Ltd. | Services | 0.45% | ₹20.75 Cr | +0.50% | +0.48% | +0.49% |
| Knowledge Realty Trust | Construction | 0.44% | ₹20.00 Cr | +0.43% | +0.45% | +0.44% |
| Torrent Pharmaceuticals Ltd. | Healthcare | 0.43% | ₹19.70 Cr | +0.43% | +0.44% | — |
| Raymond Lifestyle Ltd. | Consumer Discretionary | 0.42% | ₹19.16 Cr | +0.26% | +0.26% | +0.39% |
| Alembic Pharmaceuticals Ltd. | Healthcare | 0.41% | ₹18.85 Cr | +0.26% | — | — |
| Motilal Oswal Financial Services Ltd. | Financial | 0.40% | ₹18.49 Cr | +0.42% | +0.29% | +0.35% |
| Emami Ltd. | Consumer Staples | 0.40% | ₹18.27 Cr | +0.52% | +0.50% | +0.45% |
| Sundaram Finance Ltd. | Financial | 0.40% | ₹18.20 Cr | +0.39% | +0.37% | +0.36% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 0.40% | ₹18.10 Cr | +0.46% | +0.39% | +0.32% |
| Aditya Birla Capital Ltd. | Financial | 0.39% | ₹18.00 Cr | +0.44% | +0.32% | +0.41% |
| GR Infraprojects Ltd. | Construction | 0.38% | ₹17.43 Cr | +0.40% | +0.32% | +0.40% |
| Nexus Select Trust | Construction | 0.38% | ₹17.28 Cr | +0.45% | +0.43% | +0.24% |
| Indusind Bank Ltd. | Financial | 0.37% | ₹17.11 Cr | +0.37% | +0.37% | +0.39% |
| IRB InvIT Fund | Construction | 0.36% | ₹16.63 Cr | +0.33% | +0.35% | — |
| The Phoenix Mills Ltd. | Construction | 0.36% | ₹16.47 Cr | +0.43% | +0.33% | +0.31% |
| Tata Motors Ltd. | Automobile | 0.35% | ₹15.80 Cr | +0.27% | +0.22% | — |
| General Insurance Corporation of India | Insurance | 0.33% | ₹15.33 Cr | +0.32% | +0.27% | — |
| Piramal Finance Ltd. | Financial | 0.33% | ₹15.22 Cr | +0.33% | +0.35% | +0.34% |
| UTI Nifty 1D Rate Liquid ETF - Growth | Unclassified | 0.33% | ₹15.04 Cr | — | — | — |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 0.32% | ₹14.47 Cr | — | — | +0.40% |
| The Great Eastern Shipping Company Ltd. | Energy | 0.31% | ₹14.25 Cr | +0.29% | +0.29% | +0.39% |
| ICICI Life Insurance Ltd. | Insurance | 0.30% | ₹13.52 Cr | +0.35% | +0.25% | +0.25% |
| Marksans Pharma Ltd. | Healthcare | 0.29% | ₹13.17 Cr | +0.31% | +0.28% | +0.25% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 0.27% | ₹12.34 Cr | +0.27% | +0.28% | +0.27% |
| Tips Industries Ltd. | Services | 0.25% | ₹11.56 Cr | +0.29% | +0.28% | +0.27% |
| UPL Ltd. | Chemicals | 0.25% | ₹11.37 Cr | +0.22% | +0.23% | +0.24% |
| JK Paper Ltd. | Consumer Staples | 0.24% | ₹11.19 Cr | +0.37% | +0.36% | +0.42% |
| The Federal Bank Ltd. | Financial | 0.24% | ₹11.13 Cr | +0.49% | +0.40% | +0.40% |
| Mahindra Holidays & Resorts India Ltd. | Services | 0.24% | ₹11.09 Cr | +0.29% | +0.29% | +0.41% |
| National Aluminium Company Ltd. | Metals & Mining | 0.23% | ₹10.40 Cr | — | — | — |
| S.P. Apparels Ltd. | Textiles | 0.17% | ₹7.85 Cr | +0.28% | +0.19% | +0.16% |
| Rossari Biotech Ltd. | Chemicals | 0.13% | ₹5.97 Cr | +0.16% | +0.12% | +0.19% |
| National Stock Exchange | Financial | 0.12% | ₹5.70 Cr | — | — | — |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | Unclassified | 0.12% | ₹5.33 Cr | +0.11% | +0.11% | +0.11% |
| Axis Bank Ltd. | Financial | 0.11% | ₹5.00 Cr | +0.11% | +0.11% | +0.11% |
| Andhra Pradesh State | Financial | 0.11% | ₹4.96 Cr | +1.09% | +1.11% | +0.53% |
| Max Financial Services Ltd. | Financial | 0.11% | ₹4.94 Cr | +0.30% | +0.30% | +0.34% |
| Maharashtra Seamless Ltd. | Metals & Mining | 0.11% | ₹4.85 Cr | — | — | — |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | Unclassified | 0.10% | ₹4.65 Cr | +0.10% | +0.10% | +0.10% |
| Haryana State | Others | 0.08% | ₹3.81 Cr | +1.07% | +1.09% | +0.02% |
| Indus Infra Trust | Construction | 0.07% | ₹3.21 Cr | +0.07% | — | — |
| Vedanta Iron And Steel Ltd. | Metals & Mining | 0.05% | ₹2.37 Cr | +0.06% | — | — |
| Uttar Pradesh State | Others | 0.04% | ₹1.94 Cr | +0.04% | +0.39% | — |
| UTI BSE India Sector Leaders ETF-Growth | Unclassified | 0.04% | ₹1.67 Cr | — | — | — |
| 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 |
|---|---|---|---|
| Export-Import Bank Of India | 1.05% | 2.12% | +1.07% |
| Andhra Pradesh State | 1.08% | 0.11% | -0.97% |
| West Bengal State | 0.34% | 1.13% | +0.79% |
| Haryana State | 0.64% | 0.08% | -0.56% |
| Others | 14.70% | 14.28% | -0.42% |
| Kerala State | 1.06% | 0.64% | -0.42% |
| Coal India Ltd. | 0.36% | 0.77% | +0.40% |
| Oil And Natural Gas Corporation Ltd. | 0.18% | 0.55% | +0.37% |
| HCL Technologies Ltd. | 0.83% | 0.50% | -0.33% |
| UTI Nifty 1D Rate Liquid ETF - Growth | 0.00% | 0.33% | +0.33% |
| Maruti Suzuki India Ltd. | 0.28% | 0.00% | -0.28% |
| Dr. Reddy's Laboratories Ltd. | 0.07% | 0.32% | +0.25% |
| Glenmark Pharmaceuticals Ltd. | 0.24% | 0.00% | -0.24% |
| ICICI Bank Ltd. | 3.17% | 2.96% | -0.21% |
| Max Financial Services Ltd. | 0.30% | 0.11% | -0.19% |
| Infosys Ltd. | 2.14% | 1.96% | -0.18% |
| Shriram Finance Ltd | 0.96% | 0.83% | -0.13% |
| Raymond Lifestyle Ltd. | 0.29% | 0.42% | +0.13% |
| National Stock Exchange | 0.00% | 0.12% | +0.12% |
| Maharashtra Seamless Ltd. | 0.00% | 0.11% | +0.11% |
| State Bank of India | 1.43% | 1.33% | -0.10% |
| ITC Ltd. | 1.23% | 1.33% | +0.10% |
| Power Grid Corporation Of India Ltd. | 0.98% | 1.08% | +0.10% |
| Grasim Industries Ltd. | 0.56% | 0.47% | -0.09% |
| Wipro Ltd. | 0.76% | 0.67% | -0.09% |
| HDFC Bank Ltd. | 3.11% | 3.19% | +0.08% |
| Larsen & Toubro Ltd. | 1.61% | 1.53% | -0.07% |
| Mahindra & Mahindra Ltd. | 0.86% | 0.79% | -0.07% |
| Alembic Pharmaceuticals Ltd. | 0.35% | 0.41% | +0.06% |
| The Great Eastern Shipping Company Ltd. | 0.25% | 0.31% | +0.06% |
| UPL Ltd. | 0.20% | 0.25% | +0.05% |
| UTI Floating Interest Rates Fund Direct-Growth | 1.70% | 1.75% | +0.05% |
| Bharti Airtel Ltd. | 0.97% | 0.93% | -0.04% |
| GOI | 3.06% | 3.11% | +0.04% |
| ICICI Life Insurance Ltd. | 0.34% | 0.30% | -0.04% |
| Indusind Bank Ltd. | 0.41% | 0.37% | -0.04% |
| UTI BSE India Sector Leaders ETF-Growth | 0.00% | 0.04% | +0.04% |
| Marksans Pharma Ltd. | 0.32% | 0.29% | -0.03% |
| Tata Motors Ltd. | 0.38% | 0.35% | -0.03% |
| Info Edge (India) Ltd. | 0.59% | 0.56% | -0.03% |
| Nexus Select Trust | 0.40% | 0.38% | -0.03% |
| Tata Power Company Ltd. | 0.43% | 0.46% | +0.03% |
| NIIT Learning Systems Ltd. | 0.48% | 0.45% | -0.03% |
| Emami Ltd. | 0.37% | 0.40% | +0.03% |
| Power Finance Corporation Ltd. | 1.59% | 1.61% | +0.02% |
| Aditya Birla Finance Ltd. | 1.06% | 1.09% | +0.02% |
| Small Industries Devp. Bank of India Ltd. | 1.06% | 1.08% | +0.02% |
| DCM Shriram Ltd. | 0.43% | 0.46% | +0.02% |
| The Federal Bank Ltd. | 0.27% | 0.24% | -0.02% |
| Knowledge Realty Trust | 0.41% | 0.44% | +0.02% |
| Life Insurance Corporation of India | 0.71% | 0.69% | -0.02% |
| National Aluminium Company Ltd. | 0.25% | 0.23% | -0.02% |
| Aditya Birla Housing Finance Ltd. | 0.75% | 0.76% | +0.02% |
| Aditya Birla Capital Ltd. | 0.41% | 0.39% | -0.02% |
| GR Infraprojects Ltd. | 0.40% | 0.38% | -0.02% |
| Vedanta Aluminium Metal Ltd. | 0.68% | 0.66% | -0.02% |
| Rossari Biotech Ltd. | 0.15% | 0.13% | -0.02% |
| Canara Bank | 0.52% | 0.53% | +0.02% |
| Ajanta Pharma Ltd. | 0.52% | 0.53% | +0.02% |
| The Phoenix Mills Ltd. | 0.34% | 0.36% | +0.02% |
| General Insurance Corporation of India | 0.35% | 0.33% | -0.01% |
| REC Ltd. | 0.53% | 0.55% | +0.01% |
| VRL Logistics Ltd. | 0.51% | 0.50% | -0.01% |
| Caplin Point Laboratories Ltd. | 0.46% | 0.47% | +0.01% |
| Poonawalla Fincorp Ltd. | 0.53% | 0.54% | +0.01% |
| Bharti Telecom Ltd. | 0.53% | 0.54% | +0.01% |
| Rajasthan State | 1.19% | 1.20% | +0.01% |
| Axis Finance Ltd. | 0.53% | 0.54% | +0.01% |
| Mahindra Holidays & Resorts India Ltd. | 0.25% | 0.24% | -0.01% |
| Bajaj Finance Ltd. | 0.52% | 0.54% | +0.01% |
| Interglobe Aviation Ltd. | 0.54% | 0.53% | -0.01% |
| Crompton Greaves Consumer Electricals Ltd. | 0.41% | 0.40% | -0.01% |
| GHCL Ltd. | 0.50% | 0.49% | -0.01% |
| Tips Industries Ltd. | 0.24% | 0.25% | +0.01% |
| Reliance Industries Ltd. | 2.14% | 2.12% | -0.01% |
| S.P. Apparels Ltd. | 0.18% | 0.17% | -0.01% |
| Indus Towers Ltd. | 0.64% | 0.63% | -0.01% |
| Indian Railway Finance Corporation Ltd. | 0.53% | 0.54% | +0.01% |
| Motilal Oswal Financial Services Ltd. | 0.41% | 0.40% | -0.01% |
| Hero Motocorp Ltd. | 0.68% | 0.67% | -0.01% |
| Torrent Pharmaceuticals Ltd. | 0.42% | 0.43% | +0.01% |
| Godrej Seeds & Genetics Ltd. | 0.26% | 0.27% | +0.01% |
| Sundaram Finance Ltd. | 0.40% | 0.40% | -0.01% |
| IRB InvIT Fund | 0.36% | 0.36% | +0.01% |
| Vedanta Iron And Steel Ltd. | 0.06% | 0.05% | -0.01% |
| India Universal Trust AL1 | 0.54% | 0.55% | +0.01% |
| National Bank For Agriculture & Rural Development | 0.21% | 0.22% | +0.01% |
| JK Paper Ltd. | 0.24% | 0.24% | 0.00% |
| Shivshakti Securitisation Trust | 0.52% | 0.52% | 0.00% |
| Madhya Pradesh State | 0.53% | 0.53% | 0.00% |
| Piramal Finance Ltd. | 0.34% | 0.33% | 0.00% |
| Axis Bank Ltd. | 0.11% | 0.11% | 0.00% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | 0.12% | 0.12% | 0.00% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | 0.10% | 0.10% | 0.00% |
| Uttar Pradesh State | 0.04% | 0.04% | 0.00% |
| Aurobindo Pharma Ltd. | 0.60% | 0.60% | 0.00% |
| Indus Infra Trust | 0.07% | 0.07% | 0.00% |
| Maharashtra State | 0.00% | 0.00% | 0.00% |
| Information Technologies (India) Ltd. | 0.00% | 0.00% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹886 Cr | 2.42% | 5.4% | 6.0% | 9.7% |
 Tata Retirement Savings Moderate Fund | ₹2,115 Cr | 2.16% | 8.2% | 6.6% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,268 Cr | 2.45% | 0.6% | 7.3% | 12.8% |
 Axis Retirement Fund - Aggressive Plan | ₹666 Cr | 2.49% | 5.7% | 4.6% | 8.0% |
| Axis Retirement Fund - Dynamic Plan | ₹269 Cr | 2.56% | 6.7% | 4.9% | 8.6% |
 Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹110 Cr | 2.42% | 6.0% | 6.4% | 9.1% |
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 months1.46% absolute | ₹60,000 | ₹60,876 | 1.46% | |
| 1 year1.14% annualised | ₹1,20,000 | ₹1,20,744 | 0.62% | |
| 3 years8.56% annualised | ₹3,60,000 | ₹4,11,713 | 14.36% | |
| 5 years7.86% annualised | ₹6,00,000 | ₹7,36,889 | 22.81% |
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 ₹50.85 as on 6 Nov 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 2.7% over 1 year, 4.5% over 3 years and 7.6% 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 67 schemes with ₹4,04,584 Cr under management.