UTI-Retirement Fund - Direct


Retirement Fund
  • NAV 46.17 (0.02%)
  • Fund Size (Cr) ₹4263.05
  • Expense Ratio 0.99
  • Scheme Type Active Fund
  • Value Research Stars
  • Minimum investment ₹500
  • Minimum Additional Investment ₹0
  • Minimum SIP Investment ₹500
  • Minimum Withdrawal ₹0
  • Exit Load 0%
  • Return Since Launch 10.59%

Basic Details

Scheme Manager
Sunil Patil
Bench Mark
CRISIL Short Term Debt Hybrid 60+40 Index
Type
OPEN

Lumpsum Returns

  • Period Invested For
  • ₹10000 Invested on
  • Latest Value
  • Absolute Returns
  • Annualised Returns
  • Category Avg
  • Rank within Category
  • 1 Week
  • 19-Feb-24
  • 10020.69
  • 0.21%
  • -
  • 0.33%
  • 67/98
  • 1 Month
  • 25-Jan-24
  • 10264.41
  • 2.64%
  • -
  • 3.09%
  • 47/98
  • 3 Month
  • 24-Nov-23
  • 10750.32
  • 7.50%
  • -
  • 9.17%
  • 58/98
  • 6 Month
  • 25-Aug-23
  • 11070.90
  • 10.71%
  • -
  • 12.90%
  • 57/94
  • 1 Year
  • 24-Feb-23
  • 12134.65
  • 21.35%
  • 21.35%
  • 26.45%
  • 52/94
  • 3 Year
  • 26-Feb-21
  • 14745.31
  • 47.45%
  • 13.82%
  • 13.13%
  • 30/90
  • 5 Year
  • 26-Feb-19
  • 17518.63
  • 75.19%
  • 11.87%
  • 12.93%
  • 15/30
  • Since Inception
  • 01-Jan-13
  • 30751.65
  • 207.52%
  • 10.59%
  • 12.71%
  • 60/98

SIP Returns

  • Period Invested For
  • ₹10000 Invested on
  • Investments
  • Latest Value
  • Absolute Returns
  • Annualised Returns
  • 1 Year
  • 01-Mar-23
  • 120000
  • 161928.43
  • 34.94%
  • 34.94%
  • 3 Year
  • 01-Mar-21
  • 360000
  • 539448.36
  • 49.85%
  • 14.43%
  • 5 Year
  • 01-Mar-19
  • 600000
  • 1040948.04
  • 73.49%
  • 11.65%
  • 10 Year
  • 03-Mar-14
  • 1200000
  • 2540080.57
  • 111.67%
  • 7.79%

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

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Risk Ratios

  • Standard Deviation
    1.62%
  • Beta
    0.38%
  • Sharpe Ratio
    1.21%
  • Treynor’s Ratio
    0.13%
  • Jension’s Alpha
    3.47%

Asset Allocation

There is no Asset Allocation data.

Sector Allocation

There is no Sector Allocation data.

Top 10 stock holding in portfolio

  • Stock Invested in
  • % of Total Holdings
  • Quantity
  • Value (Cr)
  • Asset Type
  • Segment
  • HDFC Bank
  • 3.54%
  • 1032595
  • 151.02
  • Equity
  • Banks
  • ICICI Bank
  • 2.99%
  • 1239012
  • 127.39
  • Equity
  • Banks
  • Reliance Industr
  • 2.62%
  • 391051
  • 111.58
  • Equity
  • Refineries
  • Infosys
  • 2.13%
  • 546265
  • 90.73
  • Equity
  • IT - Software
  • Larsen & Toubro
  • 1.87%
  • 228635
  • 79.56
  • Equity
  • Infrastructure Developers & Operators
  • ITC
  • 1.56%
  • 1503241
  • 66.38
  • Equity
  • Tobacco Products
  • M & M
  • 1.21%
  • 313483
  • 51.77
  • Equity
  • Automobile
  • Axis Bank
  • 1.1%
  • 439104
  • 46.89
  • Equity
  • Banks
  • St Bk of India
  • 1.07%
  • 712431
  • 45.63
  • Equity
  • Banks
  • HCL Technologies
  • 1.06%
  • 287612
  • 45.33
  • Equity
  • IT - Software

Peer Comparison

  • Scheme Name
  • Value Research
  • Asset Size (Cr)
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • UTI-Retirement Fund - Direct
  • Stars
  • 4263.05
  • 2.64%
  • 7.50%
  • 10.71%
  • 21.35%
  • 13.82%
  • ICICI Pru Retirement Fund - Pure Equity - Dir (G)
  • Stars
  • 562.17
  • 6.83%
  • 21.36%
  • 30.49%
  • 59.26%
  • 29.81%
  • ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)
  • Stars
  • 562.17
  • 6.83%
  • 21.37%
  • 30.44%
  • 59.21%
  • 29.83%
  • ICICI Pru Retirement Fund - Hybrid AP - Dir (IDCW)
  • Stars
  • 312.89
  • 6.07%
  • 18.15%
  • 25.08%
  • 49.55%
  • 21.40%
  • ICICI Pru Retirement Fund - Hybrid AP - Dir (G)
  • Stars
  • 312.89
  • 6.02%
  • 18.10%
  • 25.03%
  • 49.49%
  • 21.38%
  • Nippon India Retirement Fund-WC - Dir (G)
  • Stars
  • 2917.02
  • 5.84%
  • 15.71%
  • 21.52%
  • 45.12%
  • 21.89%

News

  • UTI Aggressive Hybrid Fund Announces Income Distribution cum Capital Withdrawal (IDCW) UTI Mutual Fund has announced 23 February 2024 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 0.8200 per unit or 8.20% on the face value of Rs 10 per unit.

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  • UTI Conservative Hybrid Fund Announces Income Distribution cum capital withdrawal (IDCW) UTI Mutual Fund has announced IDCW is 01 February 2024 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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  • UTI Dividend Yield Fund Announces Income Distribution cum capital withdrawal (IDCW) UTI Mutual Fund has announced IDCW is 23 January 2024 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-IDCW Option and Direct Plan-IDCW Option of UTI Dividend Yield Fund. The quantum of IDCW will be Rs 0.7000 per unit or 7.00% on the face value of Rs 10 per unit.

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Fund House Details & Investment Objective

  • Date of Incorporation 01-Jan-2013
  • Total AUM (Cr) ₹4263.05

UTI-Retirement Fund - Direct is an Retirement Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in Jan 2013, this fund is managed by Sunil Patil. With assets under management (AUM) worth ₹4263.05 (Cr), as of 27-Feb-2024, UTI-Retirement Fund - Direct is categorized as a Retirement Fund within its segment. The fund has generated a return of 10.59% since its launch.
The current NAV of UTI-Retirement Fund - Direct is ₹46.17, as on 27-Feb-2024. 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:
Exit load is not applicable
The fund has generated 13.82% and 11.87% 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 38.32% in Equity, 54.81% in Debt and 6.9% in cash and cash equivalents
The top 5 sectors the fund invests in are: 54.81% in Debt, 10.4% in Banks, 6.72% in Cash & Others, 3.81% in IT-Software and 3.56% in Automobiles.

FAQs on UTI-Retirement Fund - Direct

UTI-Retirement Fund - Direct is a popular fund in the Retirement Fund segment. The fund has generated a return of 10.59% 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 across products for life.
  • 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: Enter amount, select payment 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, then enter 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!

In the short term, i.e., 1 year, UTI-Retirement Fund - Direct has generated annualised return of 21.35%. In the long-term, the fund has generated 13.82% and 11.87% in 3 and 5 years respectively. Since its inception, the fund has generated 10.59% returns.

The expense ratio of UTI-Retirement Fund - Direct Direct Growth is 0.99%. 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.

The Assets Under Management (AUM) of UTI-Retirement Fund - Direct is ₹4263.05 (Cr) as of 27 February 2024. AUM shows the fund’s popularity and is often indicative of fund strength.

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).

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.

The latest NAV (Net Asset Value) of UTI-Retirement Fund - Direct is ₹46.17 as on 27 February 2024.

The 5 biggest stock holdings of UTI-Retirement Fund - Direct are:
HDFC Bank (3.54%), ICICI Bank (2.99%), Reliance Industr (2.62%), Infosys (2.13%), Larsen & Toubro (1.87%)

A majority of UTI-Retirement Fund - Direct 's AUM worth ₹4263.05 (Cr) is invested in these 3 top sectors:

  • Debt: 54.81%
  • Banks: 10.4%
  • Cash & Others: 6.72%

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