UTI Retirement Fund - Regular Plan

Solution Oriented

Retirement

High Risk

Rs 50.87

0.26

NAV as on Dec 22, 2025

Growth Direct

Growth Regular

Benchmark

CRISIL Debt Hybrid Index

Expense Ratio

1.65%

Fund Category

Solution Oriented - Retirement

Fund Size

Rs 4,791 Crores

Exit Load

1.00%

Min. Investment

Rs 500

Nav Chart

Asset Allocation

Sector Allocation

UTI Retirement Fund - Regular Plan 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

5.65%

Launch Date

Dec 26, 1994

Type

Open Ended

Riskometer

High

Ratio Analysis

Standard Deviation

5.17 vs 8.86

Fund Vs Category Avg

Beta

0.96 vs 0.99

Fund Vs Category Avg

Sharpe Ratio

1.22 vs 0.90

Fund Vs Category Avg

Portfolio Turnover Ratio

38.00 vs 33.40

Fund Vs 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 22, 2025

Performance Analysis

	1W	1M	3M	6M	1Y	3Y	5Y	10Y	SI
Fund Returns (%)	0.47	0.45	2.23	2.52	10.62	12.33	12.44	9.71	5.65
Category Average (%)	0.53	0.00	1.10	2.65	5.62	12.03	8.74	NA	11.81
Rank within Category	62	25	19	47	41	46	28	10	99

* Returns over 1 year are CAGR

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Peer Comparision

Scheme Name(Growth Regular)	NAV (Rs)	AUM (Rs Cr)	1W(%)	1M(%)	3M(%)	6M(%)	1Y(%)	3Y(%)	5Y(%)	10Y(%)	SI(%)	ER(%)
HDFC Retirement Savings Fund - Equity	51.79	7,055	0.86	-0.29	1.53	2.76	5.51	18.43	21.58	NA	18.22	1.76
UTI Retirement Fund	50.87	4,791	0.47	0.45	2.23	2.52	6.09	12.33	12.44	9.71	5.65	1.65
Nippon India Retirement Fund - Wealth Creation Scheme	28.99	3,244	1.05	-0.51	-0.96	2.47	1.10	17.11	17.34	11.20	10.29	1.93
SBI Retirement Benefit Fund - Aggressive Plan	20.49	3,157	0.91	0.36	0.88	2.72	4.61	13.77	NA	NA	15.95	1.91
Tata Retirement Savings Fund - Moderate Plan	65.28	2,191	1.49	-0.02	0.71	0.72	1.63	15.09	13.13	12.52	14.20	1.99
Tata Retirement Savings Fund - Progressive Plan	65.87	2,129	1.72	0.07	0.51	-0.32	-0.74	16.08	13.84	13.24	14.27	1.99
HDFC Retirement Savings Fund - Hybrid Equity	39.51	1,748	0.78	0.10	1.69	2.32	5.26	14.66	15.07	NA	15.00	2.07
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	19.46	1,695	0.68	0.50	1.61	4.14	6.74	13.36	NA	NA	14.72	2.07
ICICI Prudential Retirement Fund - Pure Equity	34.03	1,589	1.13	NA	2.56	6.28	13.66	24.65	24.73	NA	19.67	2.04
ICICI Prudential Retirement Fund - Hybrid Aggressive	27.26	1,041	1.56	1.23	2.64	7.15	12.37	21.36	18.53	NA	15.84	2.15

View All

Dec 22, 2025

Return Calculator

₹ One-Time

Over the past

Invested

₹5000

Invested Amount
Estimated Return

Total investment of ₹5000

Would have become ₹5,305 (+6.09%)

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 Regular)	Category	NAV(Rs)	AUM(Rs Cr)	1Y(%)	5Y(%)
UTI Aggressive Hybrid Fund	Hybrid - Aggressive	419.82	6,718	6.71	17.87
UTI Retirement Fund	Solution Oriented - Retirement	50.87	4,791	6.09	12.44
UTI Childrens Hybrid Fund	Solution Oriented - Children	40.80	4,559	5.00	9.72
UTI Equity Savings Fund	Hybrid - Equity Savings	18.99	794	8.44	10.99
UTI Fixed Term Income Fund Series XXXV - Plan I	Debt - FMP	12.36	338	6.78	NA
UTI CRISIL SDL Maturity April 2033 Index Fund	Others - Index Funds/ETFs	12.48	323	5.76	NA
UTI Medium to Long Duration Fund - Growth	Debt - Medium to Long Duration	73.96	311	5.30	7.91
UTI Credit Risk Fund	Debt - Credit Risk	17.55	260	7.23	9.25
UTI Fixed Term Income Fund Series XXXV - Plan II	Debt - FMP	12.24	188	6.80	NA
UTI NIFTY SDL Plus AAA PSU Bond Apr 2026 75 25 Index Fund	Others - Index Funds/ETFs	12.21	172	7.04	NA

View All

Dec 22, 2025

Top Performing Related Funds

Scheme Name(Growth Regular)	NAV (Rs)	AUM (Rs Cr)	1W(%)	1M(%)	3M(%)	6M(%)	1Y(%)	3Y(%)	5Y(%)	10Y(%)	SI(%)	ER(%)
UTI Nifty 50 ETF	287.87	69,510	1.21	0.41	4.00	4.93	12.31	14.28	14.92	13.93	73.17	0.05
UTI BSE Sensex ETF	941.00	54,591	1.04	0.40	4.32	4.52	10.92	13.39	13.93	13.88	55.38	0.05
UTI Nifty 50 Index Fund	180.23	26,492	1.20	0.39	3.93	4.79	12.02	13.94	15.19	13.87	11.88	0.31
UTI Flexi Cap Fund	324.23	25,575	0.51	-0.99	-2.34	0.43	2.05	11.62	11.10	12.68	10.94	1.66
UTI Money Market Fund - Retail Plan	7,348.78	21,999	0.09	0.46	1.48	3.06	7.53	7.22	5.83	6.26	7.20	0.06
UTI Money Market Fund	3,180.26	21,999	0.09	0.46	1.48	3.06	7.53	7.55	6.23	6.74	7.28	0.22