UTI-Retirement Fund - Direct
Retirement FundNAV
52.13(0.54%)Fund Size (CR)
₹4,564.3Expense Ratio
1.04Scheme Type
Active FundValue Research
Min. investment
₹500Minimum Additional Investment
₹0Minimum SIP Investment
₹500Minimum Withdrawal
₹0Exit Load
1%Return Since Launch
10.61%
- 3M
- 6M
- 1Y
- 3Y
- All
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 | 9 April 2025 | 10225.36 | 2.25% | - | 3.26% | 63/106 |
| 1 Month | 13 March 2025 | 10386.56 | 3.87% | - | 4.28% | 55/106 |
| 3 Month | 16 January 2025 | 10153.10 | 1.53% | - | -0.37% | 27/106 |
| 6 Month | 16 October 2024 | 9927.22 | -0.73% | - | -4.37% | 34/106 |
| 1 Year | 16 April 2024 | 11130.91 | 11.31% | 11.31% | 8.06% | 3/102 |
| 3 Year | 13 April 2022 | 14248.52 | 42.49% | 12.48% | 11.50% | 32/90 |
| 5 Year | 16 April 2020 | 21427.52 | 114.28% | 16.46% | 15.23% | 29/74 |
| Since Inception | 1 January 2013 | 34543.96 | 245.44% | 10.61% | 11.41% | 56/106 |
Note: Lumpsum Returns since Inception Date.
SIP Returns
| Period Invested For | ₹10,000 Invested on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | 2 May 2024 | 1,20,000 | 149633.03 | 24.69% | 24.69% |
| 3 Year | 2 May 2022 | 3,60,000 | 529733.18 | 47.15% | 13.74% |
| 5 Year | 4 May 2020 | 6,00,000 | 1015457.12 | 69.24% | 11.10% |
| 10 Year | 4 May 2015 | 12,00,000 | 2585824.78 | 115.49% | 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
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 Holdings | Quantity | Value (Cr) | Asset Type | Segment |
|---|---|---|---|---|---|
| HDFC Bank | 3.75% | 935301 | 170.99 | Equity | Banks |
| ICICI Bank | 3.11% | 1054376 | 142.17 | Equity | Banks |
| Infosys | 1.77% | 513870 | 80.71 | Equity | IT - Software |
| ITC | 1.74% | 1935933 | 79.32 | Equity | Tobacco Products |
| Vedanta | 1.23% | 1211258 | 56.13 | Equity | Mining & Mineral products |
| Kotak Mah. Bank | 1.11% | 232472 | 50.47 | Equity | Banks |
| Indus Towers | 0.97% | 1326813 | 44.36 | Equity | Telecomm Equipment & Infra Services |
| Reliance Industr | 0.92% | 328889 | 41.94 | Equity | Refineries |
| Power Grid Corpn | 0.90% | 1411604 | 40.99 | Equity | Power Generation & Distribution |
| O N G C | 0.89% | 1651797 | 40.70 | Equity | Crude Oil & Natural Gas |
Peer Comparison
| Scheme Name | Value Research | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| UTI-Retirement Fund - Direct | 4564.30 | 3.87% | 1.53% | -0.73% | 11.31% | 12.48% | |
| PGIM India Retirement Fund - Direct (G) | 75.87 | 7.01% | -0.96% | -6.77% | 12.90% | - | |
| PGIM India Retirement Fund - Direct (IDCW) | 75.87 | 7.01% | -0.96% | -6.77% | 12.90% | - | |
| UTI-Retirement Fund - Direct | 4564.30 | 3.87% | 1.53% | -0.73% | 11.31% | 12.48% | |
| Aditya Birla SL Retirement-The 40s Plan-Dir (G) | 109.45 | 5.00% | -0.97% | -4.04% | 11.15% | 12.63% | |
| Aditya Birla SL Retirement-The 40s Plan-Dir (IDCW) | 109.45 | 5.00% | -0.97% | -4.04% | 11.14% | 12.63% |
List of Schemes under UTI Mutual Fund
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 2025Change 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 ManagerMr. Ajay Tyagi - Fund Manager
Mr. Ravi Gupta - Assistant Fund Manager
Mr. Kamal Gada - Assistant Fund ManagerUTI 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 Powered by Capital Market - Live News
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.Powered by Capital Market - Live News
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?
What is the expense ratio of UTI-Retirement Fund - Direct Direct Growth?
What is the AUM of UTI-Retirement Fund - Direct Fund Direct Growth?
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).