UTI Retirement Fund - Direct Plan - Growth

Solution Oriented

Retirement

High Risk

Rs 55.06

0.06

NAV as on Dec 23, 2025

Growth Direct

Growth Regular

Benchmark

CRISIL Debt Hybrid Index

Expense Ratio

1.09%

Fund Category

Solution Oriented - Retirement

Fund Size

Rs 4,791 Crores

Exit Load

1.00%

Min. Investment

Rs 500

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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

14.04%

Launch Date

Jan 1, 2013

Type

Open Ended

Riskometer

High

Ratio Analysis

Standard Deviation

5.25 vs 8.86

Fund Vs Category Avg

Beta

0.97 vs 0.99

Fund Vs Category Avg

Sharpe Ratio

0.90

Category Avg

Portfolio Turnover Ratio

33.40

Category Avg

Top Holdings

Name	Assets (%)	Sector	Instrument
HDFC Bank Ltd.	3.34	Banks	Equity
ICICI Bank Ltd.	2.58	Banks	Equity
Infosys Ltd.	2.23	Information Technology	Equity
Reliance Industries Ltd.	1.79	Petroleum	Equity
ITC Ltd.	1.58	Tobacco	Equity
Vedanta Ltd.	1.19	Mining	Equity
Larsen & Toubro Ltd.	1.17	Construction	Equity
Indus Towers Ltd.	1.05	Telecommunications	Equity
HCL Technologies Ltd.	0.96	Information Technology	Equity
Wipro Ltd.	0.93	Information Technology	Equity

View All

Dec 23, 2025

Performance Analysis

	1W	1M	3M	6M	1Y	3Y	5Y	10Y	SI
Fund Returns (%)	0.62	0.56	2.47	3.02	11.35	13.36	13.03	10.38	14.04
Category Average (%)	0.79	0.02	1.25	2.72	5.46	12.49	8.61	NA	11.81
Rank within Category	63	22	18	46	28	45	24	9	32

* Returns over 1 year are CAGR

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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	58.91	7,055	1.21	-0.21	1.76	3.57	6.29	20.54	22.61	NA	19.77	0.71
UTI Retirement Fund	55.06	4,791	0.62	0.56	2.47	3.02	6.59	13.36	13.03	10.38	14.04	1.09
Nippon India Retirement Fund - Wealth Creation Scheme	32.82	3,244	1.49	-0.32	-0.56	3.24	1.91	19.25	18.22	12.30	11.56	0.98
SBI Retirement Benefit Fund - Aggressive Plan	21.77	3,157	1.10	0.32	1.34	3.64	5.58	15.87	NA	NA	17.40	0.87
Tata Retirement Savings Fund - Moderate Plan	78.12	2,191	1.87	-0.02	1.50	1.11	3.08	17.50	14.49	14.01	17.17	0.59
Tata Retirement Savings Fund - Progressive Plan	80.42	2,129	2.22	0.10	1.44	0.08	0.99	18.71	15.26	14.87	17.43	0.53
HDFC Retirement Savings Fund - Hybrid Equity	45.08	1,748	1.01	0.24	1.94	3.26	6.29	16.61	16.17	NA	16.56	0.94
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	20.58	1,695	0.99	0.57	2.06	5.08	7.70	15.23	NA	NA	16.05	1.05
ICICI Prudential Retirement Fund - Pure Equity	37.83	1,589	2.05	0.37	3.42	6.80	14.88	27.60	26.13	NA	21.54	0.67
ICICI Prudential Retirement Fund - Hybrid Aggressive	30.36	1,041	2.22	1.57	3.34	7.81	13.62	24.01	20.02	NA	17.68	0.72

View All

Dec 23, 2025

Return Calculator

₹ One-Time

Over the past

Invested

₹5000

Invested Amount
Estimated Return

Total investment of ₹5000

Would have become ₹5,330 (+6.59%)

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	453.30	6,718	7.22	18.36
UTI Retirement Fund	Solution Oriented - Retirement	55.06	4,791	6.59	13.03
UTI Childrens Hybrid Fund	Solution Oriented - Children	41.73	4,559	4.98	9.80
UTI Equity Savings Fund	Hybrid - Equity Savings	20.31	794	9.49	11.87
UTI Fixed Term Income Fund Series XXXV - Plan I	Debt - FMP	12.51	338	7.17	NA
UTI CRISIL SDL Maturity April 2033 Index Fund	Others - Index Funds/ETFs	12.54	323	5.82	NA
UTI Medium to Long Duration Fund	Debt - Medium to Long Duration	80.78	311	5.74	8.32
UTI Credit Risk Fund	Debt - Credit Risk	19.90	260	7.87	10.04
UTI Fixed Term Income Fund Series XXXV - Plan II	Debt - FMP	12.38	188	7.18	NA
UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75 25 Index Fund	Others - Index Funds/ETFs	12.30	172	7.27	NA

View All

Dec 23, 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 Nifty 50 Index Fund	182.89	26,492	1.39	0.41	4.12	5.43	11.37	14.77	15.09	13.86	25.09	0.19
UTI Flexi Cap Fund	348.19	25,575	0.91	-1.08	-1.92	0.50	2.61	13.06	11.60	13.30	31.45	1.03
UTI Money Market Fund	3,220.38	21,999	0.10	0.48	1.50	3.05	7.59	7.63	6.32	6.84	9.43	0.13
UTI Liquid Fund	4,443.79	21,769	0.10	0.47	1.45	2.92	6.64	7.06	5.87	6.23	12.17	0.16
UTI Large Cap Fund	313.21	13,399	1.36	0.93	2.85	4.60	9.73	15.14	14.88	13.61	30.39	0.93
UTI Mid Cap Fund	340.44	12,050	1.65	0.28	0.38	1.90	1.64	19.43	19.62	15.41	31.23	0.91