Mutual Funds
AMC
UTI-Retirement Fund - Regular

UTI-Retirement Fund - Regular

Retirement Fund

NAV
50.89(0.05%)
Fund Size (CR)
₹4,788.53
Expense Ratio
1.68
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
10.00%

Absolute Return: 0.93%

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	2 February 2026	10139.55	1.40%	-	2.42%	68/106
1 Month	9 January 2026	10066.33	0.66%	-	0.73%	45/106
3 Month	7 November 2025	10118.11	1.18%	-	0.60%	26/106
6 Month	8 August 2025	10344.37	3.44%	-	3.73%	55/106
1 Year	7 February 2025	10681.46	6.81%	6.81%	8.05%	57/106
3 Year	9 February 2023	14074.09	40.74%	12.05%	13.72%	54/94
5 Year	9 February 2021	16911.56	69.12%	11.07%	10.72%	28/74
Since Inception	26 December 1994	194657.00	1846.57%	10.00%	11.32%	66/106

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 March 2025	1,20,000	473734.49	294.78%	294.78%
3 Year	1 March 2023	3,60,000	1578019.35	338.34%	63.66%
5 Year	1 March 2021	6,00,000	2966614.79	394.44%	37.66%
10 Year	1 March 2016	12,00,000	7708605.94	542.38%	20.44%

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

1.11%

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	3.12%	1585964	147.38	Equity	Banks
ICICI Bank	2.55%	890089	120.61	Equity	Banks
Infosys	2.29%	661173	108.50	Equity	IT - Software
Reliance Industr	1.51%	510849	71.28	Equity	Refineries
Vedanta	1.27%	884285	60.27	Equity	Mining & Mineral products
ITC	1.27%	1866793	60.14	Equity	Tobacco Products
Larsen & Toubro	1.25%	150175	59.05	Equity	Infrastructure Developers & Operators
HCL Technologies	1.02%	284238	48.20	Equity	IT - Software
Indus Towers	1.01%	1071100	47.59	Equity	Telecom Equipment & Infra Services
Wipro	0.99%	1969592	46.66	Equity	IT - Software

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1642.46	2.28%	1.87%	9.74%	19.30%	27.91%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1642.46	2.25%	1.87%	9.74%	19.26%	27.90%
Aditya Birla SL Retirement-The 30s Plan-Dir (G)	431.14	1.85%	2.12%	7.12%	16.80%	18.30%
Aditya Birla SL Retirement-The 30s Plan-Dir (IDCW)	431.14	1.85%	2.12%	7.12%	16.80%	18.31%
ICICI Pru Retirement Fund - Hybrid AP - Dir (G)	1082.38	1.33%	2.25%	9.23%	16.42%	24.25%

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Aggressive Hybrid Fund	Hybrid	Very High	9.05%	4	₹6,654.14
UTI-Banking and Financial Services Fund	Equity	Very High	22.16%	3	₹1,399.82
UTI-Medium to Long Duration Fund	Debt	Moderate	4.94%	3	₹306.65
UTI-Children's Equity Fund	Solution Oriented	Very High	6.49%	0	₹1,133.75
UTI-Credit Risk Fund	Debt	Moderately High	7.69%	3	₹258.47
UTI-Dynamic Bond Fund	Debt	Moderately Low	6.24%	3	₹425.14
UTI-Flexi Cap Fund	Equity	Very High	1.26%	1	₹23,542.31
UTI-ELSS Tax Saver Fund	Equity	Very High	7.88%	2	₹3,613.07
UTI-Ultra Short Duration Fund	Debt	Moderate	7.09%	3	₹3,879.04
UTI-Gilt Fund	Debt	Moderate	4.81%	3	₹519.90
UTI-Infrastructure Fund	Equity	Very High	10.73%	2	₹2,110.89
UTI-Liquid Fund	Debt	Moderate	6.47%	3	₹24,939.44
UTI-Large Cap Fund	Equity	Very High	7.63%	3	₹12,838.56
UTI-Mid Cap Fund	Equity	Very High	8.72%	2	₹11,492.83
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	6.15%	3	₹1,680.67
UTI-MNC Fund	Equity	Very High	7.69%	0	₹2,754.85
UTI-Money Market Fund	Debt	Moderate	7.32%	3	₹20,008.46
UTI-Nifty 50 Index Fund	Other	Very High	10.86%	3	₹26,517.42
UTI-Value Fund	Equity	Very High	8.94%	3	₹9,835.70
UTI-Healthcare Fund	Equity	Very High	1.61%	4	₹1,055.01
UTI-Short Duration Fund	Debt	Moderate	7.18%	3	₹3,188.06
UTI-Large & Mid Cap Fund	Equity	Very High	12.48%	4	₹5,615.34
UTI-Transportation & Logistics Fund	Equity	Very High	19.58%	0	₹3,905.77
UTI-Low Duration Fund	Debt	Moderately Low	7.32%	2	₹2,964.60
UTI Multi Asset Allocation Fund	Hybrid	Very High	14.16%	3	₹6,847.91
UTI Dividend Yield Fund	Equity	Very High	9.38%	0	₹3,880.21
UTI-Retirement Fund	Solution Oriented	High	7.45%	0	₹4,729.30
UTI-Overnight Fund	Debt	Low	5.66%	3	₹5,559.39
UTI-India Consumer Fund	Equity	Very High	4.97%	1	₹683.25
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	4.37%	0	₹5,082.39
UTI-Arbitrage Fund	Hybrid	Low	6.97%	3	₹10,956.71
UTI-Annual Interval Fund - I	Debt	Moderately Low	5.79%	0	₹21.69
UTI-Banking & PSU Fund	Debt	Moderate	7.48%	3	₹1,101.43
UTI-Medium Duration Fund	Debt	Moderate	6.54%	2	₹38.53
UTI-Nifty Next 50 Index Fund	Other	Very High	10.34%	2	₹6,009.74
UTI-Corporate Bond Fund	Debt	Moderate	7.31%	3	₹5,428.78
UTI-Equity Savings Fund	Hybrid	Moderate	9.24%	4	₹819.99
UTI-Floater Fund	Debt	Moderately Low	7.1%	3	₹1,581.52
UTI-Children's Equity Fund	Solution Oriented	Very High	6.49%	0	₹1,133.75
UTI-Children's Hybrid Fund	Solution Oriented	High	5.21%	0	₹4,436.92
UTI-Small Cap Fund	Equity	Very High	1.66%	3	₹4,544.91
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	4.06%	1	₹8,446.22
UTI-Focused Fund	Equity	Very High	7.23%	3	₹2,517.92
UTI-BSE Sensex Index Fund	Other	Very High	9.04%	2	₹207.50
UTI-BSE Low Volatility Index Fund	Other	Very High	7.68%	3	₹535.48
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	5.18%	1	₹234.42
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	5.92%	0	₹132.62
UTI-Gold ETF Fund of Fund	Other	High	79.17%	5	₹1,214.11
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	5.46%	0	₹311.44
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	7.56%	0	₹72.37
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund	Other	Moderate	7.03%	0	₹170.94
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	7.66%	0	₹34.40
UTI-Long Duration Fund	Debt	Moderate	1.1%	0	₹97.12
UTI-Silver ETF Fund of Fund	Other	Very High	160.42%	0	₹750.24
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	27.12%	0	₹588.95
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	14.25%	0	₹122.57
UTI-BSE Housing Index Fund	Other	Very High	1.42%	0	₹24.03
UTI-Balanced Advantage Fund	Hybrid	Very High	8.64%	0	₹3,136.32
UTI-Innovation Fund	Equity	Very High	-4.81%	0	₹753.42
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	5.33%	0	₹642.48
UTI-Nifty Private Bank Index Fund	Other	Very High	16.35%	0	₹226.61
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	3.68%	0	₹71.79
UTI-Nifty Midcap 150 Index Fund	Other	Very High	12.41%	0	₹59.95
UTI-Quant Fund	Equity	Very High	6.14%	0	₹1,804.48
UTI-Nifty India Manufacturing Index Fund	Other	Very High	0%	0	₹26.20
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	0%	0	₹92.89
UTI-Income Plus Arbitrage Active Fund of Fund	Other	Moderate	0%	0	₹220.13
UTI Multi Cap Fund	Equity	Very High	0%	0	₹1,846.20

News

UTI Mutual Fund announces change in Key Personnel
UTI Mutual Fund has announced that, with effect from January 27, 2026, the Board of Directors of UTI Trustee Company Private Limited (Trustee to UTI Mutual Fund) has been reconstituted pursuant to the appointment of Mr. Ameet Pratapsinh Hariani as an Additional Director (Independent Category).
Name: Mr. Ameet Pratapsinh Hariani
Age: 65 years
Designation: Additional Director (Independentategory)
Qualification: B.Com, LLB, LLM
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UTI Mutual Fund hereby announces a change in Key Personnel. The details of the change are as under:
UTI Mutual Fund has announced that notice is hereby given to all investors and unit holders that, consequent to the appointment of Mr. Vetri Subramaniam as Managing Director & Chief Executive Officer of UTI Asset Management Company Limited, with effect from February 01, 2026, the following details shall form part of the Statement of Additional Information (SAI) of UTI Mutual Fund under the section titled 'Details of AMC Directors.'
Name: Mr. Vetri Subramaniam
Age: 55 years
Designation: Managing Director & Chief Executive Officer
Qualification: 1. B. Com 2.Post Graduate Diploma in Management - IIM Bangalore
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UTI MF announces change in benchmark under its scheme

UTI Mutual Fund has announced change in the benchmark of UTI Multi Asset Allocation Fund . with effect from, February 28, 2026

Change in name of Benchmark of UTI Multi Asset Allocation Fund

Scheme Name	Existing Benchmark	Revised Benchmark
UTI Multi Asset Allocation Fund	65% BSE 200 TRI, 25% CRISIL Composite Bond Index, 10% Prices of Gold	65% BSE 200 TRI + 25% CRISIL Composite Bond Index + 7% Domestic Price of Gold + 2% Domestic Price of Silver + 1% iCOMDEX Composite Index

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Fund House Details & Investment Objective

Date of Incorporation

26 December 1994

Total AUM (Cr)

₹4729.30

UTI-Retirement Fund - Regular is an Retirement Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 26 December 1994, this fund is managed by Sunil Patil. With assets under management (AUM) worth ₹4,729.3 (Cr), as of 10 February 2026, UTI-Retirement Fund - Regular is categorized as a Retirement Fund within its segment. The fund has generated a return of 10.00% since its launch.
The current NAV of UTI-Retirement Fund - Regular is ₹50.89, as on 10 February 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 12.05% and 11.07% 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 38.89% in Equity, 57.60% in Debt and 3.56% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 57.64% in Debt, 7.88% in Banks, 4.39% in IT-Software, 2.70% in Cash & Others, 2.52% in Automobiles