UTI Retirement Fund - Direct Plan - Growth

Solution Oriented

Retirement

High Risk

Rs 54.35

0.07

NAV as on Nov 7, 2025

Growth Direct

Growth Regular

Benchmark

CRISIL Debt Hybrid Index

Expense Ratio

1.09%

Fund Category

Solution Oriented - Retirement

Fund Size

Rs 4,659 Crores

Exit Load

1.00%

Min. Investment

Rs 500

Nav Chart

Asset Allocation

Sector Allocation

UTI Retirement Fund - Direct Plan - Growth Fund Details

Investment Objective - The Objective of the scheme is to provide pension to investors particularly self-employed persons after they attain the age of 58 years, in the form of periodical cash flow up-to the extent of repurchase value of their holding through a systematic withdrawal plan.

Fund House

UTI Mutual Fund

Return Since Launch

14.08%

Launch Date

Jan 1, 2013

Type

Open Ended

Riskometer

High

Ratio Analysis

Standard Deviation

5.25 vs 9.46

Fund Vs Category Avg

Beta

0.97 vs 0.98

Fund Vs Category Avg

Sharpe Ratio

1.23 vs 0.83

Fund Vs Category Avg

Portfolio Turnover Ratio

39.00 vs 26.95

Fund Vs Category Avg

Top Holdings

Name	Assets (%)	Sector	Instrument
HDFC Bank Ltd.	3.41	Banks	Equity
ICICI Bank Ltd.	2.82	Banks	Equity
Infosys Ltd.	2.03	Information Technology	Equity
ITC Ltd.	1.61	Tobacco	Equity
Reliance Industries Ltd.	1.54	Petroleum	Equity
Vedanta Ltd.	1.18	Mining	Equity
Maruti Suzuki India Ltd.	1.04	Automobiles	Equity
Larsen & Toubro Ltd.	1.03	Construction	Equity
Indus Towers Ltd.	0.92	Telecommunications	Equity
Wipro Ltd.	0.89	Information Technology	Equity

View All

Nov 7, 2025

Performance Analysis

	1W	1M	3M	6M	1Y	3Y	5Y	10Y	SI
Fund Returns (%)	0.02	1.00	2.00	3.17	13.18	12.72	13.97	10.27	14.08
Category Average (%)	-0.44	0.61	2.39	5.14	4.41	11.59	9.59	NA	11.93
Rank within Category	23	65	71	74	40	45	32	9	38

* Returns over 1 year are CAGR

Screen Funds Yourself to identify the best mutual funds and explore top mutual funds screens.

Peer Comparision

Scheme Name(Growth Direct)	NAV (Rs)	AUM (Rs Cr)	1W(%)	1M(%)	3M(%)	6M(%)	1Y(%)	3Y(%)	5Y(%)	10Y(%)	SI(%)	ER(%)
HDFC Retirement Savings Fund - Equity	58.10	6,693	-1.04	0.72	3.03	5.35	2.70	19.27	24.98	NA	19.88	0.72
UTI Retirement Fund	54.35	4,659	0.02	1.00	2.00	3.17	5.36	12.72	13.97	10.27	14.08	1.09
Nippon India Retirement Fund - Wealth Creation Scheme	32.84	3,179	-0.82	0.49	2.66	6.43	1.78	17.62	20.86	12.57	11.71	0.98
SBI Retirement Benefit Fund - Aggressive Plan	21.40	3,000	-1.59	-0.18	3.16	6.16	1.17	13.85	NA	NA	17.47	0.90
Tata Retirement Savings Fund - Moderate Plan	77.22	2,117	-0.63	0.57	1.88	5.84	2.29	15.74	15.83	13.96	17.24	0.61
Tata Retirement Savings Fund - Progressive Plan	79.34	2,048	-0.90	0.44	1.46	5.68	-0.03	16.56	16.75	14.98	17.49	0.54
HDFC Retirement Savings Fund - Hybrid Equity	44.41	1,681	-0.65	0.51	2.53	4.84	3.05	15.80	18.40	NA	16.61	0.94
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	20.19	1,626	-1.18	-0.07	3.69	7.03	3.45	13.45	NA	NA	16.04	1.06
ICICI Prudential Retirement Fund - Pure Equity	37.51	1,410	0.08	3.05	6.14	15.10	12.88	25.36	29.00	NA	21.83	0.70
ICICI Prudential Retirement Fund - Hybrid Aggressive	29.75	937	0.07	1.50	5.57	12.43	10.80	21.79	21.91	NA	17.68	0.76

View All

Nov 7, 2025

Return Calculator

₹ One-Time

Over the past

Invested

₹5000

Invested Amount
Estimated Return

Total investment of ₹5000

Would have become ₹5,268 (+5.36%)

Fund Manager

Sunil Patil

V Srivatsa

Anurag Mittal

Mr. Sunil Patil is an M.Com, MFM and is a certified CA LLB-I. Mr. Patil has total experience of 16 years with UTI in primary market investment and dealing and 7 years experience in fund management.

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Here is the list of funds managed by Sunil Patil

Scheme Name(Growth Direct)	Category	NAV(Rs)	AUM(Rs Cr)	1Y(%)	5Y(%)
UTI Aggressive Hybrid Fund	Hybrid - Aggressive	441.37	6,379	4.12	19.96
UTI Retirement Fund	Solution Oriented - Retirement	54.35	4,659	5.36	13.97
UTI Childrens Hybrid Fund	Solution Oriented - Children	41.64	4,508	4.65	10.94
UTI Equity Savings Fund	Hybrid - Equity Savings	19.86	733	7.45	12.50
UTI Fixed Term Income Fund Series XXXV - Plan I	Debt - FMP	12.41	335	7.22	NA
UTI CRISIL SDL Maturity April 2033 Index Fund	Others - Index Funds/ETFs	12.60	329	7.32	NA
UTI Medium to Long Duration Fund	Debt - Medium to Long Duration	81.02	319	6.93	8.43
UTI Credit Risk Fund	Debt - Credit Risk	19.81	262	8.31	10.15
UTI Fixed Term Income Fund Series XXXV - Plan II	Debt - FMP	12.29	187	7.23	NA
UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75 25 Index Fund	Others - Index Funds/ETFs	12.21	171	7.27	NA

View All

Nov 7, 2025

Top Performing Related Funds

Scheme Name(Growth Direct)	NAV (Rs)	AUM (Rs Cr)	1W(%)	1M(%)	3M(%)	6M(%)	1Y(%)	3Y(%)	5Y(%)	10Y(%)	SI(%)	ER(%)
UTI Liquid Fund	4,411.84	30,785	0.10	0.48	1.46	3.04	6.76	7.09	5.79	6.25	12.24	0.15
UTI Flexi Cap Fund	349.76	25,187	-1.01	-0.43	1.68	4.90	3.20	11.15	14.57	13.28	31.85	1.00
UTI Nifty 50 Index Fund	178.09	24,336	-0.86	1.65	3.88	5.31	6.45	12.92	16.88	13.44	25.11	0.17
UTI Money Market Fund	3,197.40	20,360	0.12	0.49	1.50	3.40	7.73	7.69	6.27	6.87	9.46	0.14
UTI Large Cap Fund	305.08	12,947	-0.75	0.91	3.39	4.84	5.38	12.96	16.77	13.17	30.46	0.92
UTI Mid Cap Fund	339.46	11,666	-0.86	0.70	2.72	10.27	0.13	16.96	22.70	15.56	31.55	0.92