UTI Retirement Fund Direct Growth
Get the latest NAV of UTI Retirement Fund Direct Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.
₹52.97
▲1.5%1D
NAV as on 12 May 2025
10.74%/per year
Since Inception
▲▼
52 people have invested ₹ 1.6L in UTI Retirement Fund Direct Growth in the last three months
Fund Performance
as on (12-May-25)
Peer comparison
UTI Retirement Fund Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
UTI Retirement Fund Asset Allocation
See fund asset allocation details as on (15-Apr-25)
Fund Distribution
as on (15-Apr-25)
Equity 38.6%
Debt & Cash 61.4%
UTI Retirement Fund Sector Allocation
See fund sector allocation details as on (15-Apr-25)
Sector Allocation
Equity 38.6%
Debt & Cash 61.4%
Top 3 Sectors in March were Government, Financial Services & Corporate
Government
72%
Financial Services
33%
Corporate
24%
Government
73%
Financial Services
34%
Corporate
22%
UTI Retirement Fund Holdings Details
as on (30-Apr-25)
Equity
Debt & Cash
UTI Retirement Fund Direct Growth Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 1.04% |
Benchmark | CRISIL ST Debt Hybrid 60+40 FundTR INR |
| AUM | ₹4668 Cr |
| Inception Date | 1 January, 2013 |
| Min Lumpsum/SIP | --/-- |
Exit Load | 1.0% |
| Lock In | 5 Years |
TurnOver | 64.96% |
| STCG | Selling mutual fund within 36 months, gains taxed at slab rates. |
| LTCG | Holding over 3 years, gains taxed at slab rates without indexation. |
| Risk |   Moderately High risk |
About UTI Retirement Fund
UTI Retirement Fund Direct Growth is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by Sunil Patil, V Srivatsa. This fund gives you the benefit of diversification.
Key Parameters
- UTI Retirement Fund Direct Growth has ₹4668 Cr worth of assets under management (AUM) as on Mar 2025 and is more than category average.
- The fund has an expense ratio 1.
Returns
UTI Retirement Fund Direct Growth has given a CAGR return of 10.74% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 12.93%, 14.69% and 16.73% respectively.
Holdings
UTI Retirement Fund Direct Growth has allocated its funds majorly in Government, Financial Services, Corporate, Consumer Cyclical, Tech, Basic Materials, Communication, Consumer Defensive, Energy, Industrial, Health, Cash Equivalent, Utilities, Real Estate.
Taxation
As it is a retirement mutual fund the taxation is as follows:If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitLong term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).
Investment objective of UTI Retirement Fund Direct Growth
The investment objective of the scheme is primarily to generate a corpus to provide for pension in the form of periodical income / cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 0.00 and for SIP is INR 0.00. There is a lock in period for UTI Retirement Fund Direct Growth of 5 Years
Fund Manager
Sunil Patil
Fund Manager of UTI Retirement Fund Direct Growth, since 1 December 2021
V Srivatsa
Fund Manager of UTI Retirement Fund Direct Growth, since 24 September 2009
- AUM of the fund stands at 4.6K Cr as of Mar'25
- AUM increased by 139.5 Cr between Mar'25 and Feb'25
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5Y CAGR
▲ 23.35
5Y CAGR
▲ 23.35
5Y CAGR
▲ 14.44
Frequently Asked Questions for UTI Retirement Fund Direct Growth
What is the current NAV of UTI Retirement Fund Direct Growth?
What are the average returns of UTI Retirement Fund Direct Growth?
UTI Retirement Fund Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | 3.65% | 3.65% |
6 Month Returns | 3.29% | 3.29% |
1 Year Returns | 12.93% | 12.93% |
3 Years Returns | 50.87% | 14.69% |
How do I invest in UTI Retirement Fund Direct Growth?
- Click Buy on the fund name.
- Input the amount you are looking to invest.
- Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
- Select your bank account and proceed with Payment.
What is the expense ratio of UTI Retirement Fund Direct Growth?
What is net assets under management (AUM) of UTI Retirement Fund Direct Growth?
What are the top 5 holdings of UTI Retirement Fund Direct Growth?
What are the top 3 sectors that this UTI Retirement Fund Direct Growth has invested in?
What is the credit rating breakup of UTI Retirement Fund Direct Growth?
AAA | 98.85 |
AA | 1.15 |