Mutual Funds
AMC
UTI-Retirement Fund - Direct

UTI-Retirement Fund - Direct

Retirement Fund

NAV
54.82(-0.50%)
Fund Size (CR)
₹4,791.43
Expense Ratio
1.1
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
10.50%

Absolute Return: 1.73%

Annualized Return: 0%

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

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	31 December 2025	9996.46	-0.04%	-	0.52%	97/106
1 Month	5 December 2025	10008.90	0.09%	-	0.57%	77/106
3 Month	7 October 2025	10238.31	2.38%	-	1.93%	34/106
6 Month	7 July 2025	10175.36	1.75%	-	1.89%	50/106
1 Year	7 January 2025	10662.19	6.62%	6.62%	6.52%	41/106
3 Year	6 January 2023	14466.52	44.67%	13.07%	13.92%	51/94
5 Year	7 January 2021	17960.71	79.61%	12.42%	11.37%	26/74
Since Inception	1 January 2013	36703.92	267.04%	10.50%	11.71%	58/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 February 2025	1,20,000	150237.95	25.20%	25.20%
3 Year	1 February 2023	3,60,000	506429.70	40.67%	12.05%
5 Year	1 February 2021	6,00,000	958872.57	59.81%	9.83%
10 Year	1 February 2016	12,00,000	2536345.92	111.36%	7.77%

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 (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

Start your SIP now

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

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.59%

Standard Deviation

0.47%

Beta

1.23%

Sharpe Ratio

0.03%

Treynor's Ratio

3.85%

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	3.28%	1585964	157.20	Equity	Banks
ICICI Bank	2.50%	890089	119.53	Equity	Banks
Infosys	2.23%	661173	106.81	Equity	IT - Software
Reliance Industr	1.80%	548404	86.12	Equity	Refineries
ITC	1.57%	1866793	75.23	Equity	Tobacco Products
Vedanta	1.27%	1006189	60.81	Equity	Mining & Mineral products
Larsen & Toubro	1.17%	137620	56.20	Equity	Infrastructure Developers & Operators
Indus Towers	1.10%	1256100	52.60	Equity	Telecom Equipment & Infra Services
Wipro	1.03%	1869592	49.22	Equity	IT - Software
HCL Technologies	0.96%	284238	46.14	Equity	IT - Software

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI-Retirement Fund - Direct	4791.43	0.09%	2.38%	1.75%	6.62%	13.07%
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1589.38	2.21%	5.33%	5.04%	17.61%	27.22%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1589.38	2.21%	5.33%	5.04%	17.61%	27.21%
ICICI Pru Retirement Fund - Hybrid AP - Dir (G)	1040.68	2.77%	4.98%	6.25%	16.33%	23.90%
ICICI Pru Retirement Fund - Hybrid AP - Dir (IDCW)	1040.68	2.74%	4.95%	6.21%	16.33%	23.90%
Aditya Birla SL Retirement-The 30s Plan-Dir (IDCW)	430.54	1.89%	4.49%	4.78%	10.97%	18.16%

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Banking and Financial Services Fund	Equity	Very High	19.54%	3	₹1,382.02
UTI-Mid Cap Fund	Equity	Very High	2.5%	2	₹11,956.07
UTI-Nifty Midcap 150 Index Fund	Other	Very High	7.35%	0	₹62.18
UTI-Silver ETF Fund of Fund	Other	Very High	165.99%	0	₹493.75
UTI-Transportation & Logistics Fund	Equity	Very High	21.36%	0	₹4,083.94
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	7.99%	0	₹72.34
UTI Multi Asset Allocation Fund	Hybrid	Very High	12.86%	3	₹6,719.75
UTI-BSE Housing Index Fund	Other	Very High	-2.59%	0	₹24.73
UTI-Overnight Fund	Debt	Low	5.8%	3	₹3,759.67
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	5.54%	0	₹321.15
UTI-Nifty Private Bank Index Fund	Other	Very High	17.45%	0	₹228.22
UTI-Large & Mid Cap Fund	Equity	Very High	9.2%	4	₹5,635.04
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	0.49%	1	₹245.93
UTI-Retirement Fund	Solution Oriented	High	6.62%	0	₹4,788.53
UTI-Children's Hybrid Fund	Solution Oriented	High	5.27%	0	₹4,525.33
UTI-Credit Risk Fund	Debt	Moderately High	7.95%	3	₹260.49
UTI-BSE Sensex Index Fund	Other	Very High	9.74%	2	₹213.24
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	6.92%	0	₹138.70
UTI-Large Cap Fund	Equity	Very High	9.08%	3	₹13,321.57
UTI-BSE Low Volatility Index Fund	Other	Very High	8.26%	3	₹569.57
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	0%	0	₹95.70
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	6.73%	3	₹1,703.12
UTI-Healthcare Fund	Equity	Very High	-0.67%	4	₹1,101.63
UTI-Low Duration Fund	Debt	Moderately Low	7.55%	2	₹2,667.29
UTI-Annual Interval Fund - I	Debt	Moderately Low	5.94%	0	₹21.60
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	18.52%	0	₹560.05
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	14.35%	0	₹122.19
UTI-Gold ETF Fund of Fund	Other	High	75.07%	5	₹848.36
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	-2.56%	1	₹8,683.06
UTI-Banking & PSU Fund	Debt	Moderate	7.87%	3	₹1,014.91
UTI-Corporate Bond Fund	Debt	Moderate	7.9%	3	₹5,420.85
UTI-Arbitrage Fund	Hybrid	Low	6.96%	3	₹10,464.65
UTI-Long Duration Fund	Debt	Moderate	2.28%	0	₹99.70
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	5.07%	0	₹5,212.13
UTI-Balanced Advantage Fund	Hybrid	Very High	10.1%	0	₹3,203.37
UTI-Aggressive Hybrid Fund	Hybrid	Very High	7.18%	4	₹6,757.91
UTI-India Consumer Fund	Equity	Very High	4.61%	1	₹737.41
UTI-MNC Fund	Equity	Very High	5.04%	0	₹2,856.33
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	5.8%	0	₹658.74
UTI-Gilt Fund	Debt	Moderate	5.19%	3	₹545.23
UTI-Ultra Short Duration Fund	Debt	Moderate	7.24%	3	₹3,655.33
UTI-Medium to Long Duration Fund	Debt	Moderate	5.65%	3	₹309.62
UTI-Money Market Fund	Debt	Moderate	7.5%	3	₹19,300.55
UTI-Small Cap Fund	Equity	Very High	-3.79%	3	₹4,736.67
UTI-Income Plus Arbitrage Active Fund of Fund	Other	Moderate	0%	0	₹250.51
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	8.1%	0	₹34.38
UTI-Nifty 50 Index Fund	Other	Very High	11.42%	3	₹26,947.15
UTI-Equity Savings Fund	Hybrid	Moderate	9.69%	4	₹809.60
UTI-Children's Equity Fund	Solution Oriented	Very High	5.32%	0	₹1,175.78
UTI-Value Fund	Equity	Very High	8.74%	3	₹10,150.97
UTI-Focused Fund	Equity	Very High	8.27%	3	₹2,610.46
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund	Other	Moderate	7.2%	0	₹170.23
UTI-Innovation Fund	Equity	Very High	-5.85%	0	₹829.34
UTI Dividend Yield Fund	Equity	Very High	6.77%	0	₹3,945.70
UTI-ELSS Tax Saver Fund	Equity	Very High	6.06%	2	₹3,761.85
UTI-Flexi Cap Fund	Equity	Very High	2.06%	1	₹24,902.62
UTI-Children's Equity Fund	Solution Oriented	Very High	5.32%	0	₹1,175.78
UTI-Quant Fund	Equity	Very High	0%	0	₹1,851.04
UTI-Short Duration Fund	Debt	Moderate	7.64%	3	₹3,181.38
UTI Multi Cap Fund	Equity	Very High	0%	0	₹1,864.46
UTI-Floater Fund	Debt	Moderately Low	7.34%	3	₹1,579.93
UTI-Infrastructure Fund	Equity	Very High	5.65%	2	₹2,170.69
UTI-Liquid Fund	Debt	Moderate	6.57%	3	₹23,479.98
UTI-Medium Duration Fund	Debt	Moderate	7.03%	2	₹39.24
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	1.77%	0	₹76.57
UTI-Nifty Next 50 Index Fund	Other	Very High	6.21%	2	₹6,069.51
UTI-Nifty India Manufacturing Index Fund	Other	Very High	0%	0	₹26.70
UTI-Dynamic Bond Fund	Debt	Moderately Low	6.69%	3	₹430.04

News

UTI Mutual Fund announces change in Key Personnel
UTI Mutual Fund has that Mr. Kapil Udaiwal, President & Head - Human Resources,UTI Asset Management Company Limited effective from January 1, 2026:
Details of Mr. Kapil Udaiwal
Age: 48 years
Designation: President & Head - Human Resources
Qualification: B.Sc., Master in Labour Laws & Labour Welfare, PGDM (PM & HR)
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UTI Mutual Fund announces change in Key Personnel
UTI Mutual Fund has announced the Mr. Ashish Wakodikar has been identified as Key Personnel of UTI Asset Management Company Ltd, with effect from December 10, 2025.
Details of Mr. Ashish Wakodikar
Age: 34 years
Designation: Associate Vice President- Dealer
Qualification: MBA/MMS
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UTI Mutual Fund announces change in Key Personnel
UTI Mutual Fund has announced All investors are hereby notified that, with effect from November 14, 2025, the Board of Directors of UTI Trustee Company Private Limited (Trustee to UTI Mutual Fund) has been reconstituted with the appointment of Mr. Chandra Bhan Singh as an Additional Director (Independent Category) and Mr. Srinivasan Sridhar as an Additional Director (Associate Category).
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Fund House Details & Investment Objective

Date of Incorporation

1 January 2013

Total AUM (Cr)

₹4788.52

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 ₹4,788.53 (Cr), as of 8 January 2026, UTI-Retirement Fund - Direct is categorized as a Retirement Fund within its segment. The fund has generated a return of 10.50% since its launch.
The current NAV of UTI-Retirement Fund - Direct is ₹54.82, as on 8 January 2026. 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:
The fund has generated 13.07% and 12.42% 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 39.16% in Equity, 54.43% in Debt and 6.42% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 56.54% in Debt, 8.60% in Banks, 4.22% in Cash & Others, 3.99% in IT-Software, 2.66% in Automobiles