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UTI-Retirement Fund - Direct

Retirement Fund
  • NAV

    52.13(0.54%)
  • Fund Size (CR)

    ₹4,564.3
  • Expense Ratio

    1.04
  • Scheme Type

    Active Fund
  • Value Research

  • Min. investment

    ₹500
  • Minimum Additional Investment

    ₹0
  • Minimum SIP Investment

    ₹500
  • Minimum Withdrawal

    ₹0
  • Exit Load (A) Less than One year - 1% (B) Greater than or equal to One year - Nil

    1%
  • Return Since Launch

    10.61%
  • 3M
  • 6M
  • 1Y
  • 3Y
  • All
Absolute Return: 1.97%
Annualized Return: 0% [object Object]

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 onLatest ValueAbsolute ReturnsAnnualised ReturnsCategory AvgRank within Category
1 Week 9 April 202510225.362.25%-3.26%63/106
1 Month13 March 202510386.563.87%-4.28%55/106
3 Month16 January 202510153.101.53%--0.37%27/106
6 Month16 October 20249927.22-0.73%--4.37%34/106
1 Year16 April 202411130.9111.31%11.31%8.06%3/102
3 Year13 April 202214248.5242.49%12.48%11.50%32/90
5 Year16 April 202021427.52114.28%16.46%15.23%29/74
Since Inception1 January 201334543.96245.44%10.61%11.41%56/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For₹10,000 Invested onInvestmentsLatest ValueAbsolute ReturnsAnnualised Returns
1 Year2 May 20241,20,000149633.0324.69% 24.69%
3 Year2 May 20223,60,000529733.1847.15% 13.74%
5 Year4 May 20206,00,0001015457.1269.24% 11.10%
10 Year4 May 201512,00,0002585824.78115.49% 7.98%

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)

  • Invested Amount

    25,000

  • Estimated Returns

    19,059

76%

Returns

Future value of your investment

44,059

Risk Ratios

1.75%

Standard Deviation

0.45%

Beta

0.93%

Sharpe Ratio

0.06%

Treynor's Ratio

3.87%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in% of Total HoldingsQuantityValue (Cr)Asset TypeSegment
HDFC Bank3.75%935301170.99EquityBanks
ICICI Bank3.11%1054376142.17EquityBanks
Infosys1.77%51387080.71EquityIT - Software
ITC1.74%193593379.32EquityTobacco Products
Vedanta1.23%121125856.13EquityMining & Mineral products
Kotak Mah. Bank1.11%23247250.47EquityBanks
Indus Towers0.97%132681344.36EquityTelecomm Equipment & Infra Services
Reliance Industr0.92%32888941.94EquityRefineries
Power Grid Corpn0.90%141160440.99EquityPower Generation & Distribution
O N G C0.89%165179740.70EquityCrude Oil & Natural Gas

Peer Comparison

Scheme NameValue ResearchAsset Size (Cr)1M3M6M1Y3Y
UTI-Retirement Fund - Direct
4564.303.87%1.53%-0.73%11.31%12.48%
PGIM India Retirement Fund - Direct (G)
75.877.01%-0.96%-6.77%12.90%-
PGIM India Retirement Fund - Direct (IDCW)
75.877.01%-0.96%-6.77%12.90%-
UTI-Retirement Fund - Direct
4564.303.87%1.53%-0.73%11.31%12.48%
Aditya Birla SL Retirement-The 40s Plan-Dir (G)
109.455.00%-0.97%-4.04%11.15%12.63%
Aditya Birla SL Retirement-The 40s Plan-Dir (IDCW)
109.455.00%-0.97%-4.04%11.14%12.63%

List of Schemes under UTI Mutual Fund

Fund NameCategoryRisk1Y ReturnsRatingsFund Size (Cr)
UTI-Large Cap FundEquityVery High8.29%3₹12,180.00
UTI-Large & Mid Cap FundEquityVery High12.36%4₹4,100.83
UTI-Small Cap FundEquityVery High11.19%3₹4,146.53
UTI-Value FundEquityVery High13.22%2₹9,455.20
UTI-Banking and Financial Services FundEquityVery High17.12%3₹1,211.18
UTI-MNC FundEquityVery High1.33%0₹2,639.71
UTI-Quant FundEquityVery High0%0₹1,461.56
UTI-Overnight FundDebtLow6.62%3₹3,038.58
UTI-Liquid FundDebtModerate7.39%3₹23,382.80
UTI-Ultra Short Duration FundDebtModerate7.89%4₹3,142.90
UTI-Low Duration FundDebtModerately Low8.17%3₹2,734.89
UTI-Money Market FundDebtModerate8.06%4₹16,265.27
UTI-Short Duration FundDebtModerate9.17%4₹2,565.85
UTI-Medium Duration FundDebtModerate9.83%2₹39.35
UTI-Medium to Long Duration FundDebtModerate10.84%4₹319.60
UTI-Long Duration FundDebtModerate11.59%0₹114.85
UTI-Dynamic Bond FundDebtModerately Low11.02%3₹447.05
UTI-Corporate Bond FundDebtModerate9.75%3₹5,007.17
UTI-Gilt FundDebtModerate11.19%3₹732.75
UTI-Gilt Fund with 10yr Constant DurationDebtModerate12.21%0₹168.68
UTI-Floater FundDebtModerately Low8.01%4₹1,384.92
UTI-Conservative Hybrid FundHybridModerately High11.48%3₹1,647.97
UTI-Aggressive Hybrid FundHybridVery High11.58%4₹5,910.13
UTI-Unit Linked Insurance PlanHybridModerately High12.92%0₹5,352.11
UTI-Balanced Advantage FundHybridVery High11.22%0₹2,874.36
UTI Multi Asset Allocation FundHybridVery High8.67%4₹5,284.99
UTI-Arbitrage FundHybridLow7.9%3₹6,614.10
UTI-Retirement FundSolution OrientedHigh11.31%0₹4,564.30
UTI-Children's Equity FundSolution OrientedVery High8.72%0₹1,058.37
UTI-Children's Equity FundSolution OrientedVery High8.72%0₹1,058.37
UTI-Nifty 50 Index FundOtherVery High6.87%3₹21,356.16
UTI-Nifty200 Momentum 30 Index FundOtherVery High-10.25%1₹7,352.90
UTI-BSE Sensex Index FundOtherVery High6.6%3₹194.04
UTI-BSE Low Volatility Index FundOtherVery High2.6%3₹534.42
UTI-Nifty Midcap 150 Quality 50 Index FundOtherVery High6.83%0₹240.16
UTI-CRISIL SDL Maturity April 2033 Index FundOtherModerate11.93%0₹350.20
UTI-CRISIL SDL Maturity June 2027 Index FundOtherModerate9.16%0₹75.18
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index FundOtherModerate8.23%0₹177.36
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index FundOtherModerate9.85%0₹40.82
UTI-Nifty50 Equal Weight Index FundOtherVery High5.74%0₹94.21
UTI-Nifty200 Quality 30 Index FundOtherVery High0%0₹524.78
UTI-Nifty Alpha Low-Volatility 30 Index FundOtherVery High0%0₹78.36
UTI-Nifty Midcap 150 Index FundOtherVery High0%0₹45.60
UTI-Nifty India Manufacturing Index FundOtherVery High0%0₹19.03
UTI-Gold ETF Fund of FundOtherHigh28.85%5₹224.64
UTI-Silver ETF Fund of FundOtherVery High14.01%0₹50.94
UTI-Income Plus Arbitrage Active Fund of FundOtherModerate0%0₹0.00
UTI-Quarterly Interval Fund - IIDebtNA6.35%0₹2.23
UTI-Quarterly Interval Fund - IIIDebtLow6.84%0₹8.40
UTI-Quarterly Interval Fund - IDebtNA6.54%0₹9.41
UTI-Annual Interval Fund - IDebtModerately Low6.86%0₹23.18
UTI-Annual Interval Fund - IIDebtModerately Low6.96%0₹10.11
UTI-FTI - Series XXXV-I(1260Days)DebtModerately Low8.2%0₹322.50
UTI-FTI - Series XXXV-II(1223Days)DebtModerately Low8.21%0₹179.77
UTI-FTI - Series XXXV-III(1176Days)DebtModerate8.04%0₹43.55
UTI-FTI - Series XXXVI-I(1574Days)DebtModerate9.56%0₹59.12
UTI-Flexi Cap FundEquityVery High12.73%1₹24,531.52
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index FundOtherVery High0%0₹40.15
UTI-Nifty Private Bank Index FundOtherVery High0%0₹206.45
UTI-Innovation FundEquityVery High-0.4%0₹737.59
UTI-BSE Housing Index FundOtherVery High3.71%0₹23.83
UTI-Nifty 500 Value 50 Index FundOtherVery High0.14%0₹512.30
UTI-Focused FundEquityVery High8.11%3₹2,497.47
UTI-Children's Hybrid FundSolution OrientedHigh9.95%0₹4,457.19
UTI-Equity Savings FundHybridModerate8.74%4₹668.12
UTI-Nifty Next 50 Index FundOtherVery High3.21%3₹4,831.80
UTI-Banking & PSU FundDebtModerate8.94%2₹785.18
UTI-India Consumer FundEquityVery High8.66%1₹651.45
UTI Dividend Yield FundEquityVery High11.48%0₹3,855.37
UTI-Transportation & Logistics FundEquityVery High-0.4%0₹3,163.31
UTI-Healthcare FundEquityVery High21.14%3₹1,042.04
UTI-Mid Cap FundEquityVery High5.15%2₹10,649.44
UTI-Infrastructure FundEquityVery High4.66%1₹2,096.67
UTI-ELSS Tax Saver FundEquityVery High9.03%2₹3,592.53
UTI-Credit Risk FundDebtModerately High9.35%3₹287.90

News

  • UTI MF announces change in Fund Manager of the following schemes

    UTI Mutual Fund has announced change in Fund Manager of the following scheme with effect from: 08 April 2025

    Change in Fund Manager of the Scheme:

    Name of the Scheme(s) Existing Fund Manager(s) New Fund Manager(s)
    UTI Flexi Cap Fund Mr. Ajay Tyagi - Fund Manager
    Mr. Ravi Gupta - Assistant Fund Manager
    Mr. Ajay Tyagi - Fund Manager
    Mr. Ravi Gupta - Assistant Fund Manager
    Mr. Kamal Gada - Assistant Fund Manager
    UTI Unit Linked Insurance Plan Mr. Sunil Patil ' Fund Manager (Debt Portion)
    Mr. Ajay Tyagi ' Fund Manager (Equity Portion)
    Mr. Ravi Gupta ' Assistant Fund Manager (Equity Portion)
    Mr. Sunil Patil - Fund Manager (Debt Portion)
    Mr. Ajay Tyagi - Fund Manager (Equity Portion)
    Mr. Ravi Gupta - Assistant Fund Manager (Equity Portion)
    Mr. Kamal Gada - Assistant Fund Manager (Equity Portion)
    UTI Gilt Fund Mr. Sudhir Agrawal Mr. Pankaj Pathak
    UTI Dynamic Bond Fund Mr. Sudhir Agrawal Mr. Pankaj Pathak
    UTI Floater Fund Mr. Sudhir Agrawal Mr. Pankaj Pathak
    UTI Short Duration Fund Mr. Sudhir Agrawal Mr. Anurag Mittal

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  • UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)

    UTI Mutual Fund has announced IDCW is 02 April 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.

    Powered by Capital Market - Live News

  • UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)

    UTI Mutual Fund has announced IDCW is 03 March 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.

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Fund House Details & Investment Objective

Date of Incorporation

1 January 2013

Total AUM (Cr)

₹4564.30

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 ₹4,564.3 (Cr), as of 17 April 2025, UTI-Retirement Fund - Direct is categorized as a Retirement Fund within its segment. The fund has generated a return of 10.61% since its launch.
The current NAV of UTI-Retirement Fund - Direct is ₹52.13, as on 17 April 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 12.48% and 16.46% 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 38.33% in Equity, 58.92% in Debt and 2.76% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 59.99% in Debt, 9.21% in Banks, 3.77% in IT-Software, 3.03% in Cash & Others, 2.43% in Automobiles

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 10.61% 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 11.31%. In the long-term, the fund has generated 12.48% and 16.46% in 3 and 5 years respectively. Since its inception, the fund has generated 10.61% returns.

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

The expense ratio of UTI-Retirement Fund - Direct Direct Growth is 1.04%. 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 ₹4,564.3 (Cr) as of 2025-04-17 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).