Can I invest in SIP and Lumpsum in UTI-Retirement Fund - Direct Direct Growth?

Yes, you can invest both lumpsum and SIP in UTI-Retirement Fund - Direct. Minimum lumpsum investment UTI-Retirement Fund - Direct is ₹500 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of UTI-Retirement Fund - Direct Direct Growth?

The latest NAV ( Net Asset Value ) of UTI-Retirement Fund - Direct is UTI-Retirement Fund - Direct is ₹53.56 as on 2025-06-16.

Which are the biggest stock holdings of UTI-Retirement Fund - Direct?

The 5 biggest stock holdings of UTI-Retirement Fund - Direct are: HDFC Bank (3.85%), ICICI Bank (3.23%), Infosys (1.75%), ITC (1.65%), Reliance Industr (1.23%)

What are the top sectors UTI-Retirement Fund - Direct invests in?

A majority of UTI-Retirement Fund - Direct 's AUM worth ₹4,724.71 (Cr) is invested in these 3 top sectors: Debt : 58.92% Banks : 9.41% IT-Software : 3.48%

Mutual Funds
AMC
UTI-Retirement Fund - Direct

UTI-Retirement Fund - Direct

Retirement Fund

Invest Now

NAV
53.56(0.49%)
Fund Size (CR)
₹4,724.71
Expense Ratio
1.02
Scheme Type
Active Fund
Value Research

Min. investment
₹500
Minimum Additional Investment
₹0
Minimum SIP Investment
₹500
Minimum Withdrawal
₹1
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
1%
Return Since Launch
10.71%

Absolute Return: 7.05%

Annualized Return: 0%

Basic Details

Scheme Manager

Sunil Patil

Bench Mark

CRISIL Short Term Debt Hybrid 60+40 Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	6 June 2025	9922.09	-0.78%	-	-0.89%	47/106
1 Month	13 May 2025	10070.44	0.70%	-	1.74%	81/106
3 Month	13 March 2025	10676.90	6.77%	-	9.47%	63/106
6 Month	13 December 2024	10153.05	1.53%	-	0.13%	34/106
1 Year	13 June 2024	10914.04	9.14%	9.14%	6.72%	8/106
3 Year	13 June 2022	15209.08	52.09%	14.99%	15.73%	47/90
5 Year	12 June 2020	20787.37	107.87%	15.74%	15.02%	33/74
Since Inception	1 January 2013	35509.56	255.10%	10.71%	12.35%	60/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 July 2024	1,20,000	151116.11	25.93%	25.93%
3 Year	1 July 2022	3,60,000	532561.05	47.93%	13.94%
5 Year	1 July 2020	6,00,000	1015649.01	69.27%	11.10%
10 Year	1 July 2015	12,00,000	2616298.83	118.02%	8.11%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.72%

Standard Deviation

0.45%

Beta

1.26%

Sharpe Ratio

0.06%

Treynor's Ratio

4.20%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	3.85%	935301	181.91	Equity	Banks
ICICI Bank	3.23%	1054376	152.44	Equity	Banks
Infosys	1.75%	529116	82.69	Equity	IT - Software
ITC	1.65%	1870376	78.19	Equity	Tobacco Products
Reliance Industr	1.23%	408404	58.03	Equity	Refineries
Vedanta	1.08%	1176744	51.25	Equity	Mining & Mineral products
Indus Towers	1.08%	1326813	50.97	Equity	Telecomm Equipment & Infra Services
O N G C	0.91%	1796797	43.02	Equity	Crude Oil & Natural Gas
Power Grid Corpn	0.87%	1411604	40.90	Equity	Power Generation & Distribution
Interglobe Aviat	0.84%	74069	39.48	Equity	Air Transport Service

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI-Retirement Fund - Direct	4724.71	0.70%	6.77%	1.53%	9.14%	14.99%
PGIM India Retirement Fund - Direct (G)	84.45	2.97%	14.88%	-0.33%	12.01%	-
PGIM India Retirement Fund - Direct (IDCW)	84.45	2.97%	14.88%	-0.33%	12.01%	-
Aditya Birla SL Retirement-The 40s Plan-Dir (IDCW)	115.27	1.94%	11.43%	1.07%	9.98%	17.96%
Aditya Birla SL Retirement-The 40s Plan-Dir (G)	115.27	1.95%	11.43%	1.07%	9.98%	17.96%
Tata Retirement Savings Fund - Moderate-Dir (G)	2151.11	3.64%	15.01%	-1.07%	9.44%	20.24%

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Aggressive Hybrid Fund	Hybrid	Very High	8.61%	4	₹6,254.02
UTI-Banking and Financial Services Fund	Equity	Very High	16.09%	3	₹1,294.71
UTI-Medium to Long Duration Fund	Debt	Moderate	9.32%	4	₹333.91
UTI-Children's Equity Fund	Solution Oriented	Very High	3.9%	0	₹1,129.41
UTI-Credit Risk Fund	Debt	Moderately High	9.39%	3	₹284.60
UTI-Dynamic Bond Fund	Debt	Moderately Low	9.89%	3	₹477.41
UTI-Flexi Cap Fund	Equity	Very High	10.26%	1	₹25,433.64
UTI-ELSS Tax Saver Fund	Equity	Very High	4.18%	2	₹3,776.64
UTI-Ultra Short Duration Fund	Debt	Moderate	8.01%	4	₹4,350.91
UTI-Gilt Fund	Debt	Moderate	8.7%	3	₹670.10
UTI-Infrastructure Fund	Equity	Very High	-2.94%	2	₹2,199.70
UTI-Liquid Fund	Debt	Moderate	7.32%	3	₹23,623.19
UTI-Large Cap Fund	Equity	Very High	6.23%	3	₹12,719.69
UTI-Mid Cap Fund	Equity	Very High	4.46%	2	₹11,642.99
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	9.43%	3	₹1,683.78
UTI-MNC Fund	Equity	Very High	-2.23%	0	₹2,792.68
UTI-Money Market Fund	Debt	Moderate	8.3%	4	₹18,384.56
UTI-Nifty 50 Index Fund	Other	Very High	6.57%	3	₹23,249.43
UTI-Value Fund	Equity	Very High	7.99%	3	₹9,752.28
UTI-Healthcare Fund	Equity	Very High	22.1%	4	₹1,062.19
UTI-Short Duration Fund	Debt	Moderate	9.46%	4	₹2,822.27
UTI-Large & Mid Cap Fund	Equity	Very High	8.91%	5	₹4,543.64
UTI-Transportation & Logistics Fund	Equity	Very High	-5.35%	0	₹3,447.34
UTI-Low Duration Fund	Debt	Moderately Low	8.44%	2	₹3,140.89
UTI Multi Asset Allocation Fund	Hybrid	Very High	8.68%	4	₹5,659.43
UTI Dividend Yield Fund	Equity	Very High	5.61%	0	₹4,010.09
UTI-Retirement Fund	Solution Oriented	High	9.14%	0	₹4,724.71
UTI-Overnight Fund	Debt	Low	6.47%	3	₹3,639.36
UTI-India Consumer Fund	Equity	Very High	0.75%	1	₹686.04
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	11.01%	0	₹5,467.51
UTI-Arbitrage Fund	Hybrid	Low	7.69%	3	₹7,307.73
UTI-Annual Interval Fund - I	Debt	Moderately Low	6.71%	0	₹23.43
UTI-Banking & PSU Fund	Debt	Moderate	9.2%	3	₹799.59
UTI-Medium Duration Fund	Debt	Moderate	9.44%	2	₹40.71
UTI-Nifty Next 50 Index Fund	Other	Very High	-5.04%	3	₹5,287.60
UTI-Corporate Bond Fund	Debt	Moderate	9.78%	3	₹5,474.55
UTI-Equity Savings Fund	Hybrid	Moderate	7.6%	4	₹686.87
UTI-Floater Fund	Debt	Moderately Low	8.27%	4	₹1,031.10
UTI-Children's Equity Fund	Solution Oriented	Very High	3.9%	0	₹1,129.41
UTI-Children's Hybrid Fund	Solution Oriented	High	7.07%	0	₹4,610.13
UTI-Small Cap Fund	Equity	Very High	11.51%	3	₹4,529.01
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	-12.55%	1	₹8,058.64
UTI-Focused Fund	Equity	Very High	3.97%	3	₹2,602.07
UTI-BSE Sensex Index Fund	Other	Very High	6.51%	3	₹200.87
UTI-BSE Low Volatility Index Fund	Other	Very High	0.69%	3	₹563.91
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	1.87%	1	₹264.81
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	10.74%	0	₹175.56
UTI-Gold ETF Fund of Fund	Other	High	37.42%	5	₹264.66
UTI-FTI - Series XXXV-I(1260Days)	Debt	Moderately Low	8.36%	0	₹328.07
UTI-FTI - Series XXXV-II(1223Days)	Debt	Moderately Low	8.37%	0	₹182.88
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	11.37%	0	₹351.52
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	9.47%	0	₹77.41
UTI-FTI - Series XXXV-III(1176Days)	Debt	Moderate	8.14%	0	₹44.26
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund	Other	Moderate	8.38%	0	₹175.25
UTI-FTI - Series XXXVI-I(1574Days)	Debt	Moderate	9.59%	0	₹60.65
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	10.1%	0	₹34.49
UTI-Long Duration Fund	Debt	Moderate	6.97%	0	₹163.91
UTI-Silver ETF Fund of Fund	Other	Very High	17.73%	0	₹62.31
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	-4.31%	0	₹531.21
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	4.13%	0	₹101.76
UTI-BSE Housing Index Fund	Other	Very High	-6.42%	0	₹24.35
UTI-Balanced Advantage Fund	Hybrid	Very High	9.72%	0	₹2,959.03
UTI-Innovation Fund	Equity	Very High	5.16%	0	₹812.37
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	0%	0	₹616.23
UTI-Nifty Private Bank Index Fund	Other	Very High	0%	0	₹223.76
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	0%	0	₹81.17
UTI-Nifty Midcap 150 Index Fund	Other	Very High	0%	0	₹52.79
UTI-Quant Fund	Equity	Very High	0%	0	₹1,617.81
UTI-Nifty India Manufacturing Index Fund	Other	Very High	0%	0	₹20.09
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	0%	0	₹54.13
UTI-Income Plus Arbitrage Active Fund of Fund	Other	Moderate	0%	0	₹123.67
UTI Multi Cap Fund	Equity	Very High	0%	0	₹1,042.27

News

UTI Mutual Fund announces change in fund manager under its schemes

UTI Mutual Fund has announced change in fund manager under the following scheme, With effect from 16 June 2025

Change in Fund Manager:

Scheme Name	Existing Fund Manager	New Fund Manager
UTI Small Cap Fund	Mr. Ankit Agarwal - Fund Manager Mr. Nitin Jain- Assistant Fund Manager	Mr. Ankit Agarwal - Fund Manager Mr. Nitin Jain - Fund Manager
UTI Innovation fund	Mr. Ankit Agarwal - Fund Manager Mr. Nitin Jain - Assistant Fund Manager	Mr. Ankit Agarwal - Fund Manager Mr. Nitin Jain - Fund Manager
UTI Mid Cap Fund	Mr. Ankit Agarwal - Fund Manager	Mr. Ankit Agarwal - Fund Manager Mr. Vishal Chopda - Fund Manager
UTI ELSS Tax Saver Fund	Mr. Vishal Chopda - Fund Manager	Mr. Amit Premchandani - Fund Manager
UTI Banking and Financial Services	Ms. Preethi R S - Fund Manager	Ms. Preethi R S - Fund Manager Mr. Amit Premchandani - Fund Manager
UTI Children's Equity Fund	Mr. Vishal Chopda - Fund Manager	Mr. Sachin Trivedi - Fund Manager
UTI Children's Hybrid Fund	Mr. Vishal Chopda - Fund Manager (Equity Portion) Mr. Sunil Patil - Fund Manager (Debt Portion)	Mr. Sachin Trivedi - Fund Manager (Equity Portion) Mr. Sunil M Patil - Fund Manager (Debt Portion)
UTI India Consumer Fund	Mr. Vishal Chopda - Fund Manager	Mr. Vishal Chopda - Fund Manager Mr. Vicky Punjabi - Fund Manager
UTI Infrastructure Fund	Mr. Sachin Trivedi - Fund Manager	Mr. Sachin Trivedi - Fund Manager Mr. Deepesh Agarwal - Fund Manager

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UTI Aggressive Hybrid Fund announces Income Distribution cum Capital Withdrawal (IDCW)
UTI Mutual Fund has announced 22 May 2025 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under IDCW-Regular Plan and IDCW-Direct Plan of UTI Aggressive Hybrid Fund. The quantum of dividend will be Rs 0.8500 per unit or 8.50% on the face value of Rs 10 per unit.
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UTI MF announces change in benchmark index under its scheme
UTI Mutual Fund has announced change in the benchmark of UTI Annual Interval Fund ' I with effect from May 14, 2025
Change in name of Benchmark of UTI Annual Interval Fund ' I

Scheme Name Existing Benchmark Revised Benchmark

UTI Annual Interval Fund ' I CRISIL Low Duration Debt A-I Index Nifty Low Duration Debt Index A-I

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Scheme Name	Existing Benchmark	Revised Benchmark
UTI Annual Interval Fund ' I	CRISIL Low Duration Debt A-I Index	Nifty Low Duration Debt Index A-I

Fund House Details & Investment Objective

Date of Incorporation

1 January 2013

Total AUM (Cr)

₹4724.71

UTI-Retirement Fund - Direct is an Retirement Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 1 January 2013, this fund is managed by Sunil Patil. With assets under management (AUM) worth ₹4,724.71 (Cr), as of 16 June 2025, UTI-Retirement Fund - Direct is categorized as a Retirement Fund within its segment. The fund has generated a return of 10.71% since its launch.
The current NAV of UTI-Retirement Fund - Direct is ₹53.56, as on 16 June 2025. The fund's benchmark index is CRISIL Short Term Debt Hybrid 60+40 Index. You can invest in UTI-Retirement Fund - Direct via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹500.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
(A) Less than One year - 1% (B) Greater than or equal to One year - Nil The fund has generated 14.99% and 15.74% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 38.75% in Equity, 59.13% in Debt and 2.21% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 58.92% in Debt, 9.41% in Banks, 3.48% in IT-Software, 2.51% in Automobiles, 2.34% in Telecom-Services

FAQs

How to Invest in UTI-Retirement Fund - Direct Direct Growth?

UTI-Retirement Fund - Direct is a popular fund in the Retirement Fund segment. The fund has generated a return of 10.71% since inception. Looking to invest in UTI-Retirement Fund - Direct How about earning 1% extra return? All this is possible with m.Stock! Investing in UTI-Retirement Fund - Direct is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, UTI-Retirement Fund - Direct
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in UTI-Retirement Fund - Direct today and reap the benefits of this Retirement Fund fund!

How much returns has UTI-Retirement Fund - Direct Direct Growth generated?

In the short term, i.e., 1 year, UTI-Retirement Fund - Direct has generated annualised return of 9.14%. In the long-term, the fund has generated 14.99% and 15.74% in 3 and 5 years respectively. Since its inception, the fund has generated 10.71% returns.

What is the expense ratio of UTI-Retirement Fund - Direct Direct Growth?

The expense ratio of UTI-Retirement Fund - Direct Direct Growth is 1.02%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of UTI-Retirement Fund - Direct Fund Direct Growth?

The Assets Under Management (AUM) of UTI-Retirement Fund - Direct is ₹4,724.71 (Cr) as of 2025-06-16 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from UTI-Retirement Fund - Direct Direct Growth?

Redeeming or selling units of UTI-Retirement Fund - Direct is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from UTI-Retirement Fund - Direct:

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case UTI-Retirement Fund - Direct).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).