UTI Retirement Fund

UTI Retirement Fund

Hybrid

UTI Mutual Fund

Retirement

Get the latest NAV of UTI Retirement Fund. 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.

₹53.91

▲0.2%1D

NAV as on 29 Apr 2026

10.07%/per year

Since Inception

Absolute Gain%

▲▼

61 people have invested ₹ 2.3L in UTI Retirement Fund in the last three months

UTI Retirement Fund Performance vs. Retirement Index

Fund returns vs Benchmark returns vs Category Average returns as on (29-Apr-26)

The fund has consistently outperformed the benchmark (Retirement Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
2.95%
-1.23%
-1.24%
2.46%
11.18%
10.95%
Retirement Index
1.97%
-0.01%
-0.83%
2.17%
6.79%
6.67%
Retirement Avg
--
--
--
--
--
--
Best in Retirement
12.24%
3.85%
2.05%
18.52%
26.87%
23.86%
Worst in Retirement
0.62%
-4.09%
-6.89%
-0.54%
5.96%
5.2%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
UTI Retirement Fund
11/11
4,476Cr
1.15%
2.46%
11.18%
--
--
0.63
0.89
--
Tata Retirement Savings Progressive Fund
1/11
1,824Cr
0.65%
6.83%
17.53%
0.60
0.94
0.50
0.72
0.05
Tata Retirement Savings Moderate Fund
2/11
1,888Cr
0.72%
6.76%
16.19%
--
--
0.52
0.74
--
ICICI Prudential Retirement Fund Pure Equity
3/11
1,609Cr
0.71%
19.39%
27.18%
9.22
1.02
1.06
1.75
2.47
See all

UTI Retirement Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
▲
▼

UTI Retirement Fund Asset Allocation

See fund asset allocation details as on (13-Apr-26)

Fund Distribution

as on (13-Apr-26)

Large cap
22.7%
Mid cap
6.9%
Small cap
6.4%

UTI Retirement Fund Sector Allocation

See fund sector allocation details as on (13-Apr-26)

Sector Allocation

Financial Services
29.9%
Consumer Cyclical
11%
Tech
10.3%
Industrial
8%
Energy
8%
Consumer Defensive
7.2%
Basic Materials
7.2%
Health
6.8%
Communication
5.7%
Real Estate
3.7%
Utilities
2.3%

Top 3 Sectors in March were Government, Financial Services & Corporate

Mar'26

Government

69%

Corporate

27%

Financial Services

27%

Feb'26

Government

69%

Financial Services

29%

Corporate

27%

UTI Retirement Fund Holdings Details

as on (31-Mar-26)

Holdings
Weight%
1M Change
HDFC Bank Ltd
2.59%
0%
ICICI Bank Ltd
2.4%
0%
Infosys Ltd
1.89%
0%
Reliance Industries Ltd
1.49%
-2.9%
Larsen & Toubro Ltd
1.35%
10.7%
See all
Top Stocks bought last month
HDFC Bank Limited's allocation increased from 1.1% to 2.7%
HDFC Bank Limited's allocation increased from 1.1% to 2.7%
Bajaj Finance Limited's allocation increased from 0.52% to 1.04%
Bajaj Finance Limited's allocation increased from 0.52% to 1.04%
Power Finance Corporation Limited's allocation increased from 1.14% to 1.6%
Power Finance Corporation Limited's allocation increased from 1.14% to 1.6%
Top Stocks sold last month
Indian Railway Finance Corporation Limited's allocation decreased from 5.26 % to 1.06 %
Indian Railway Finance Corporation Limited's allocation decreased from 5.26 % to 1.06 %
Export Import Bank Of India's allocation decreased from 5.26 % to 1.05 %
Export Import Bank Of India's allocation decreased from 5.26 % to 1.05 %
Power Finance Corporation Limited's allocation decreased from 1.07 % to 1.05 %
Power Finance Corporation Limited's allocation decreased from 1.07 % to 1.05 %

UTI Retirement Fund Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio1.15%
Benchmark
CRISIL ST Debt Hybrid 60+40 FundTR INR
AUM₹4476 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹500/₹500
Exit Load
1.0%
Lock In5 Years
TurnOver
61.39%
Risk
Risk meter
pointer
Moderately High risk

About UTI Retirement Fund

UTI Retirement Fund is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by V Srivatsa, Anurag Mittal. This fund gives you the benefit of diversification.

Key Parameters

  1. UTI Retirement Fund has ₹4476 Cr worth of assets under management (AUM) as on Apr 2026 and is more than category average.
  2. The fund has an expense ratio 1.2.

Returns

UTI Retirement Fund has given a CAGR return of 10.07% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 2.46%, 11.18% and 10.95% respectively.

Holdings

UTI Retirement Fund has allocated its funds majorly in Government, Corporate, Financial Services, Tech, Industrial, Consumer Cyclical, Basic Materials, Communication, Energy, Health, Consumer Defensive, Utilities, Cash Equivalent, 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 benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of UTI Retirement Fund

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 500.00 and for SIP is INR 500.00. There is a lock in period for UTI Retirement Fund of 5 Years

Fund Manager

V Srivatsa

Fund Manager of UTI Retirement Fund, since 24 September 2009

Anurag Mittal

Fund Manager of UTI Retirement Fund, since 3 November 2025

Learn more about UTI Mutual Fund
Parameters
Mar'26
Feb'26
Jan'26
AUM
₹ 4.5K Cr
₹ 4.7K Cr
₹ 4.7K Cr
  • AUM of the fund stands at 4.5K Cr as of Mar'26
  • AUM decreased by 256.6 Cr between Mar'26 and Feb'26

Frequently Asked Questions for UTI Retirement Fund

How do I invest in UTI Retirement Fund?

INDmoney makes it simple to invest in the UTI Retirement Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘UTI Retirement Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of UTI Retirement Fund?

The NAV of the fund today is ₹53.91. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

UTI Retirement Fund fund has generated a return of 2.46% in 1 year, 11.18% in 3 years, 10.95% in 5 years.

Who is the fund manager of UTI Retirement Fund?

The fund managers are V Srivatsa, Anurag Mittal.

What is the exit load of the fund?

The exit load is 1% if redeemed in 0-1 Years. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 1.15%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹4476 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of UTI Retirement Fund?

The top 3 holdings of the fund are 7.18% Gs 2037(7.02%), 6.68% Gs 2040(3.55%), 7.32% Gs 2030(3.18%)