UTI-Retirement Fund - Regular

Retirement Fund

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NAV
48.80(0.61%)
Fund Size (CR)
₹4,732.16
Expense Ratio
1.69
Scheme Type
Active Fund
Value Research
-

Min. investment
₹500
Minimum Additional Investment
₹0
Minimum SIP Investment
₹500
Minimum Withdrawal
₹1
Exit Load
1%
Return Since Launch
9.81%

Absolute Return: -4.07%

Annualized Return: 0%

Basic Details

Scheme Manager

Anurag Mittal

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	March 18, 2026	9871.31	-1.29%	-	-1.36%	44/106
1 Month	February 25, 2026	9627.69	-3.72%	-	-5.07%	40/106
3 Month	December 24, 2025	9571.89	-4.28%	-	-5.59%	40/106
6 Month	September 25, 2025	9848.03	-1.52%	-	-3.67%	23/106
1 Year	March 25, 2025	10254.26	2.54%	2.54%	2.72%	44/106
3 Year	March 24, 2023	13724.39	37.24%	11.11%	12.48%	54/94
5 Year	March 25, 2021	16412.60	64.13%	10.41%	10.17%	35/90
Since Inception	December 26, 1994	186752.10	1767.52%	9.81%	9.84%	45/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	April 1, 2025	1,20,000	450941.53	275.78%	275.78%
3 Year	April 3, 2023	3,60,000	1498204.80	316.17%	60.85%
5 Year	April 1, 2021	6,00,000	2819782.30	369.96%	36.27%
10 Year	April 1, 2016	12,00,000	7332671.36	511.06%	19.84%

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%.

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Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

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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

1.11%

Sharpe Ratio

0.02%

Treynor's Ratio

3.21%

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	2.98%	1585964	140.79	Equity	Banks
ICICI Bank	2.59%	890089	122.73	Equity	Banks
Infosys	1.86%	676173	87.91	Equity	IT - Software
Reliance Industr	1.50%	510849	71.21	Equity	Refineries
Larsen & Toubro	1.41%	156108	66.79	Equity	Infrastructure Developers & Operators
Vedanta	1.27%	839285	60.29	Equity	Mining & Mineral products
ITC	1.24%	1866793	58.54	Equity	Tobacco Products
Power Grid Corpn	1.14%	1809388	54.04	Equity	Power Generation & Distribution
SBI	0.99%	390735	46.95	Equity	Banks
Wipro	0.93%	2183702	43.88	Equity	IT - Software

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1729.48	-6.31%	-5.88%	-1.80%	14.33%	26.26%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1729.48	-6.30%	-5.91%	-1.80%	14.32%	26.25%
ICICI Pru Retirement Fund - Hybrid AP - Dir (G)	1131.03	-5.88%	-5.91%	-1.89%	12.03%	22.60%
ICICI Pru Retirement Fund - Hybrid AP - Dir (IDCW)	1131.03	-5.91%	-5.91%	-1.93%	11.98%	22.60%
ICICI Pru Retirement Fund - Hybrid CP - Dir (IDCW)	92.95	-2.43%	-1.07%	1.41%	8.55%	12.45%

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Aggressive Hybrid Fund	Hybrid	Very High	2.35%	4	₹6,663.35
UTI-Banking and Financial Services Fund	Equity	Very High	4.85%	3	₹1,425.24
UTI-Medium to Long Duration Fund	Debt	Moderate	3.95%	3	₹302.97
UTI-Children's Equity Fund	Solution Oriented	Very High	-1.93%	0	₹1,134.87
UTI-Credit Risk Fund	Debt	Moderately High	7.18%	3	₹253.09
UTI-Dynamic Bond Fund	Debt	Moderately Low	5.56%	3	₹426.88
UTI-Flexi Cap Fund	Equity	Very High	-6.65%	1	₹22,885.66
UTI-ELSS Tax Saver Fund	Equity	Very High	-1%	2	₹3,601.51
UTI-Ultra Short Duration Fund	Debt	Moderate	6.74%	3	₹3,560.17
UTI-Gilt Fund	Debt	Moderate	4.11%	3	₹527.71
UTI-Infrastructure Fund	Equity	Very High	0.73%	2	₹2,159.73
UTI-Liquid Fund	Debt	Moderate	6.28%	3	₹29,093.21
UTI-Large Cap Fund	Equity	Very High	-1.72%	3	₹12,658.21
UTI-Mid Cap Fund	Equity	Very High	3.83%	2	₹11,734.39
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	2.89%	3	₹1,685.93
UTI-MNC Fund	Equity	Very High	1.88%	0	₹2,723.74
UTI-Money Market Fund	Debt	Moderate	6.8%	3	₹17,285.35
UTI-Nifty 50 Index Fund	Other	Very High	-0.62%	3	₹26,681.34
UTI-Value Fund	Equity	Very High	-0.17%	3	₹9,787.26
UTI-Healthcare Fund	Equity	Very High	3.59%	4	₹1,106.71
UTI-Short Duration Fund	Debt	Moderate	6.41%	3	₹2,977.74
UTI-Large & Mid Cap Fund	Equity	Very High	4.7%	4	₹5,723.94
UTI-Transportation & Logistics Fund	Equity	Very High	13.3%	0	₹4,046.80
UTI-Low Duration Fund	Debt	Moderately Low	6.88%	2	₹2,344.41
UTI Multi Asset Allocation Fund	Hybrid	Very High	7.85%	3	₹6,944.45
UTI Dividend Yield Fund	Equity	Very High	1.92%	0	₹3,879.68
UTI-Retirement Fund	Solution Oriented	High	3.14%	0	₹4,732.16
UTI-Overnight Fund	Debt	Low	5.5%	3	₹4,437.23
UTI-India Consumer Fund	Equity	Very High	-0.3%	1	₹689.90
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	0.09%	0	₹5,034.81
UTI-Arbitrage Fund	Hybrid	Low	6.9%	3	₹11,070.15
UTI-Annual Interval Fund - I	Debt	Moderately Low	5.58%	0	₹21.72
UTI-Banking & PSU Fund	Debt	Moderate	7.03%	3	₹1,107.40
UTI-Medium Duration Fund	Debt	Moderate	5.6%	2	₹38.50
UTI-Nifty Next 50 Index Fund	Other	Very High	2.05%	2	₹6,245.96
UTI-Corporate Bond Fund	Debt	Moderate	6.42%	3	₹5,347.44
UTI-Equity Savings Fund	Hybrid	Moderate	5.31%	4	₹835.41
UTI-Floater Fund	Debt	Moderately Low	6.76%	3	₹1,554.08
UTI-Children's Equity Fund	Solution Oriented	Very High	-1.93%	0	₹1,134.87
UTI-Children's Hybrid Fund	Solution Oriented	High	0.86%	0	₹4,442.48
UTI-Small Cap Fund	Equity	Very High	-0.08%	3	₹4,546.63
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	1.59%	1	₹8,711.89
UTI-Focused Fund	Equity	Very High	0.01%	3	₹2,510.57
UTI-BSE Sensex Index Fund	Other	Very High	-2.61%	2	₹202.84
UTI-BSE Low Volatility Index Fund	Other	Very High	0.18%	3	₹531.61
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	-1.33%	1	₹237.09
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	4.41%	0	₹131.77
UTI-Gold ETF Fund of Fund	Other	High	62.87%	5	₹1,322.21
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	4.74%	0	₹325.08
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	7.37%	0	₹65.84
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund	Other	Moderate	6.64%	0	₹171.81
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	7.03%	0	₹34.47
UTI-Long Duration Fund	Debt	Moderate	-0.89%	0	₹96.58
UTI-Silver ETF Fund of Fund	Other	Very High	130.59%	0	₹650.22
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	15.49%	0	₹642.45
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	4.77%	0	₹127.51
UTI-BSE Housing Index Fund	Other	Very High	-6.59%	0	₹24.24
UTI-Balanced Advantage Fund	Hybrid	Very High	1.22%	0	₹3,141.63
UTI-Innovation Fund	Equity	Very High	-9.02%	0	₹688.69
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	-0.53%	0	₹621.12
UTI-Nifty Private Bank Index Fund	Other	Very High	-1.44%	0	₹224.28
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	-0.03%	0	₹72.13
UTI-Nifty Midcap 150 Index Fund	Other	Very High	6.16%	0	₹62.66
UTI-Quant Fund	Equity	Very High	0.31%	0	₹1,683.18
UTI-Nifty India Manufacturing Index Fund	Other	Very High	10.53%	0	₹27.37
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	2.2%	0	₹96.24
UTI-Income Plus Arbitrage Active Fund of Fund	Other	Moderate	0%	0	₹210.08
UTI Multi Cap Fund	Equity	Very High	0%	0	₹1,874.48
UTI-Nifty500 Shariah Index Fund	Other	Very High	0%	0	₹67.75

News

UTI Mutual Fund announces Appointment of Key Personnel
UTI Mutual Fund has announced that Mr. Ashish Shriram Thavkar has been designated as Vice President (Fund Manager & Research Analyst) has been identified as Key Personnel of UTI AMC, with effect from March 23, 2026.
Details of Mr. Ashish Shriram Thavkar
Age: 46 years
Designation: Vice President (Fund Manager & Research Analyst)
Qualification: B.E, MBA (Finance) .
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UTI Fixed Term Income Fund - Series XXXV ' I Merger into UTI Corporate Bond Fund
UTI Mutual Fund has approved the merger of UTI Fixed Term Income Fund - Series XXXV ' I Merger into UTI Corporate Bond Fund, with effect from 22 April 2026. and UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund into UTI Floater Fund with effect from 30 April 2026.
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UTI Fixed Term Income Fund - Series XXXV ' I (1260 DAYS), into UTI Corporate Bond Fund and UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund i
UTI Mutual Fund has approved the merger of UTI Fixed Term Income Fund - Series XXXV ' I (1260 DAYS), into UTI Corporate Bond Fund and UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund into UTI Floater Fund, with effect from April 27, and 2026 April 30, 2026.
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Fund House Details & Investment Objective

Date of Incorporation

December 26, 1994

Total AUM (Cr)

₹4732.16

UTI-Retirement Fund - Regular is an Retirement Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in December 26, 1994, this fund is managed by Anurag Mittal. With assets under management (AUM) worth ₹4,732.16 (Cr), as of March 25, 2026, UTI-Retirement Fund - Regular is categorized as a Retirement Fund within its segment. The fund has generated a return of 9.81% since its launch.
The current NAV of UTI-Retirement Fund - Regular is ₹48.8, as on March 25, 2026. The fund's benchmark index is CRISIL Short Term Debt Hybrid 60+40 Index. You can invest in UTI-Retirement Fund - Regular 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 11.11% and 10.41% 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 38.42% in Equity, 59.80% in Debt and 1.79% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 57.60% in Debt, 7.70% in Banks, 4.61% in IT-Software, 3.11% in Cash & Others, 2.35% in Pharmaceuticals & Biotech

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