Solution OrientedRetirement FundDirectGrowthHigh

UTI Retirement Fund

Q: What is the NAV of UTI Retirement Fund?

As of 05 Oct 2026, the NAV of UTI Retirement Fund is ₹53.72 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI Retirement Fund delivered?

UTI Retirement Fund has returned +0.15% over 1 year, +8.30% per year over 3 years, +8.30% per year over 5 years and +8.18% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of UTI Retirement Fund?

UTI Retirement Fund charges an expense ratio of 1.16% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of UTI Retirement Fund?

UTI Retirement Fund's largest holdings are 07.18% GSEC MAT -24/07/2037 (6.8%), ICICI BANK LTD (3.2%), HDFC BANK LIMITED (3.1%), 7.24% GSEC MAT- 18/08/2055 (3.1%) and 07.32% GSEC MAT -13/11/2030 (3.1%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI Retirement Fund?

UTI Retirement Fund is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 5.8% and its worst peak-to-trough fall in our sample was -18.9%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of 0.31 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI Retirement Fund's 0.31 means it has rewarded its volatility with excess return. Higher is better.

Q: What is the benchmark of UTI Retirement Fund?

UTI Retirement Fund is benchmarked against the CRISIL Short Term Debt Hybrid 60+40 Index. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI Retirement Fund?

UTI Retirement Fund is managed by Anurag Mittal and V Srivatsa at UTI.

Q: How is UTI Retirement Fund taxed?

UTI Retirement Fund is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.

UTI Mutual Fund · Best Retirement Mutual Funds

NAV

₹53.72

+0.26% 1D

as of 05 Oct 2026

This is the Direct plan of UTI Retirement Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.

Compare SIP calculator

Performance

-0.03%absolute

52-week rangePrev NAV ₹53.58

Latest ₹53.72

Low ₹51.8550th percentile of its 52-week rangeHigh ₹55.62

Scorecard

★★★☆☆3/5 vs 27 of 28 Retirement Fund peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Retirement Fund (same plan and option). 27 of the 28 Retirement Funds in this cohort carry the full record the stars need, so they are the ones ranked against.

PerformanceAverage

3Y CAGR +8.30% · ranks 15 of 27 Retirement Funds

RiskLow

Volatility 5.8% vs 9.2% category avg

CostAverage

1.2% expense vs 1.1% category avg

ConsistencyHigh

99% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

Stronger risk-adjusted returns — Sharpe 0.31 vs 0.22 Retirement Fund average
Less volatile than its Retirement Fund peers (5.8% vs 9.2%)
Consistent — positive in 99% of rolling 3-year windows

Concerns

3-year return (+8.30%) trails the Retirement Fund average (+9.35%)

Key Metrics

Annual fee charged by the fund, already deducted from NAV

1.16%

Category 1.12%▲0.04%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

16.31

Category 24.63▼8.32

Excess return per unit of total volatility (rf = 6.5%)

0.31

Category 0.22▲0.09

Scheme Info

Definitions

Plan

Direct · Growth

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

5 yrs

Entry Load: Nil Exit Load (as % of NAV): Period of Holding *: (A) Less than one year – 1% (B) Greater than or equal to one year – Nil * Units shall not be under lock-in period .

1.00%

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Allowed

Smallest recurring SIP instalment the scheme accepts

₹500

Smallest one-time (lumpsum) investment the scheme accepts

₹500

CRISIL Short Term Debt Hybrid 60+40 Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

02 Jan 2013

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-2.30%

Absolute return over the last 3 months (not annualized)

-2.41%

Absolute return over the last 6 months (not annualized)

+2.96%

Absolute return since 1 Jan of this year (not annualized)

-2.53%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+0.15%

3-year annualized return (CAGR)

+8.30%

5-year annualized return (CAGR)

+8.30%

10-year annualized return (CAGR)

+8.76%

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+8.18%

Advanced metrics — risk and benchmark ratios

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

5.81%

Excess return per unit of total volatility (rf = 6.5%)

0.31

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

0.42

Largest peak-to-trough decline over full history

-18.93%

Benchmark ratios (vs Nifty 500 TRI · 36 monthly returns)

Definitions

Jensen's alpha (annualized): return above what CAPM predicts for the fund's beta vs Nifty 500 TRI

0.15%

Sensitivity to Nifty 500 TRI moves; 1 = moves with the index

0.42

How much of the fund's movement Nifty 500 TRI explains

93.1%

Excess return per unit of beta (market risk)

4.28

Active return over the benchmark per unit of tracking error

-0.15

Annualized std dev of fund-minus-benchmark returns

9.28%

Fund's share of benchmark gains in up months (100 = matches index)

54.8%

Fund's share of benchmark losses in down months (lower is better)

38.0%

Computed vs the Nifty 500 TRI over the last 36 complete months — the closest match to this fund's mandate. TRI means dividends reinvested, as they are in the fund's own NAV; ₹ means a US index converted at each day's USD/INR, since the fund is priced in rupees. Needs ~3 years of history; a low R² means the fund tracks the index loosely.

Fund vs category average (Retirement Fund)

Period	Fund	Category avg.	Diff
1M abs	-2.30%	-3.50%	+1.20%
3M abs	-2.41%	-2.66%	+0.25%
6M abs	+2.96%	+6.31%	-3.35%
1Y CAGR	+0.15%	+0.57%	-0.42%
3Y CAGR	+8.30%	+9.35%	-1.05%
5Y CAGR	+8.30%	+8.51%	-0.21%

Category average across peers in Retirement Fund (up to 28 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 28 peers in Retirement Fund

1Y return

+0.15%

Beats 42.9% · rank #17

3Y return

+8.30%

Beats 46.2% · rank #15

5Y return

+8.30%

Beats 54.2% · rank #12

Sharpe

0.31

Beats 61.5% · rank #11

Sortino

0.42

Beats 61.5% · rank #11

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹7.19L

Absolute

+19.76%

XIRR

+7.38%

Value vs. invested

ValueInvested

60 monthly installments of ₹10,000 into UTI Retirement Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund	Nifty 500 TRI	Diff
2026part	-2.53%	-7.18%	+4.65%
2025	+6.70%	+7.94%	-1.24%
2024	+15.22%	+16.43%	-1.21%
2023	+17.44%	+27.43%	-9.99%
2022	+6.03%	+4.34%	+1.69%
2021	+19.32%	+31.59%	-12.27%
2020	+13.17%	+18.33%	-5.16%
2019	-0.45%	+8.95%	-9.40%
2018	-0.58%	-2.33%	+1.75%
2017	+17.73%	+37.35%	-19.62%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in; those years show no benchmark comparison.

History points

3,385

Expense ratio

1.16%

AUM

₹4,629Cr

Exit load

Entry Load: Nil Exit Load (as % of NAV): Period of Holding *: (A) Less than one year – 1% (B) Greater than or equal to one year – Nil * Units shall not be under lock-in period .

P/E ratio

16.3

P/B ratio

3.3

Avg market cap

₹4,58,972Cr

P/E & P/B are portfolio-weighted harmonic means across 52 of 58 equity holdings (35% of the portfolio); loss-making companies are excluded.

Taxation

Taxed as equity

This is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.

Short-term (STCG)

20%

Held under 1 year

Flat, on the whole gain

Long-term (LTCG)

12.5%

Held 1 year or more

On gains above ₹1.25 L per financial year

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Retirement Fund

Compare all


UTI Retirement FundThis fund UTI · Direct · Growth	★★★☆☆	+0.15%	+8.30%	+8.30%	16.31	1.16%	₹4,629Cr
ICICI Prudential Retirement Fund Pure Equity ICICI Prudential · Direct · Growth	★★★★★	+3.63%	+19.01%	+17.68%	27.27	0.88%	₹1,884Cr
ICICI Prudential Retirement Fund Hybrid Aggressive ICICI Prudential · Direct · Growth	★★★★★	+3.73%	+16.90%	+14.06%	24.27	1.21%	₹1,173Cr
Aditya Birla Sun Life Retirement Fund-The 30s Aditya Birla Sun Life · Direct · Growth	★★★☆☆	+11.11%	+15.45%	+11.43%	28.16	1.35%	₹434.17Cr
Union Retirement Fund Union · Direct · Growth	★★★★☆	+1.82%	+11.93%	—	28.71	1.36%	₹197.16Cr
Tata Retirement Savings Fund-Progressive Tata · Direct · Growth	★★★★☆	+3.05%	+11.72%	+9.44%	28.97	0.82%	₹2,087Cr

Market-cap allocation · AMFI bands, Jul 2026

Equity holdings by company size — 100% of the equity sleeve priced.

Large cap65.3%
Mid cap18.9%
Small cap15.8%

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Debt46.67%
Equity37.22%
Cash & Equivalents14.81%
Real Estate / REITs1.24%

Holds the same stocks as (by portfolio overlap, not by category)

Compare the top 3 →

Fund	Overlap	Rating	TER	3Y
UTI Aggressive Hybrid Fund UTI · Aggressive Hybrid Fund	94.9% of 70% equity	★★★☆☆	1.33%	+9.80%
UTI Large & Mid Cap Fund UTI · Large & Mid Cap Fund	79.3%	★★★☆☆	1.14%	+13.68%
UTI - Equity Savings Fund UTI · Equity Savings	50.7% of 67% equity	★★★★☆	1.04%	+7.86%
Baroda BNP Paribas Nifty 50 Index Fund Baroda BNP Paribas · Index Funds	50.3%	★☆☆☆☆	0.48%	—
LIC MF Nifty 50 Index Fund LIC · Index Funds	50.3%	★★☆☆☆	0.56%	+5.70%
SBI Nifty Index Fund SBI · Index Funds	50.3%	★★★☆☆	0.23%	+5.85%
UTI Nifty 50 Index Fund UTI · Index Funds	50.3%	★★★☆☆	0.25%	+5.89%
Motilal Oswal Nifty 50 Index Fund Motilal Oswal · Index Funds	50.3%	★★★☆☆	0.19%	+5.94%

Overlap is the share of each fund's equity book invested in the same stocks, by weight, across the Direct-plan universe — so a fund that is only part equity is labelled as such. ! marks a pair holding more in common than nine pairs in ten of its type, where that type has a measured distribution.

🚩Holdings under NSE surveillance (ASM)

1 holding — 0.06% of the portfolio — sit in stocks NSE currently lists under its Additional Surveillance Measure. ASM is an exchange response to unusual price or volume activity (higher margins, and trade-for-trade settlement at stage II), not a view on the company or on this fund.

Vedanta Iron and Steel LimitedLong-term · Stage I0.06%

Source: NSE ASM list, matched to holdings by company name — a holding whose name differs from NSE's spelling may not be matched. BSE's separate list is not covered.

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-18.9%03 Jun 2019 → 23 Mar 2020
Fell over 10 months, back to the old high on 27 Aug 2020 — 5 months under water after the low.
-16.4%17 May 2013 → 28 Aug 2013
Fell over 3 months, back to the old high on 19 May 2014 — 9 months under water after the low.
-8.8%01 Sep 2014 → 02 Sep 2014
Fell over 1 day, back to the old high on 03 Mar 2015 — 6 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Fund size over time

Quarterly average AUM · AMFI

₹4,629Cr

April - June 2026

-1%

since January - March 2026

+₹42.61Cr

est. net flow, last quarter

At or near its largest, ₹4,697Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.

AMC Profile

UTI Mutual Fund descends from the Unit Trust of India, which was effectively the whole Indian mutual fund industry from 1963 until private managers were allowed in. It was carved out as a SEBI-registered fund house in 2003, is listed on the exchanges, and is held by SBI, LIC, Bank of Baroda, PNB and T. Rowe Price rather than a single parent.

Launched

13 Nov 2002

Total AUM

₹3,92,691Cr+1.1% QoQ

Avg AUM · April - June 2026

Website

utimf.com

Fund Managers

AMAnurag MittalManaging since 03 Nov 2025

Role

Executive Vice President & Head- Fixed Income

Education

B Com, MSc, B.Com from University of Delhi, Chartered Accountant

Experience

He is B.Com from holder from Institute of working with Bandhan had been associated with has total work

Funds managed (15)

All schemes Anurag Mittal runs →

VSV SrivatsaManaging since 01 Nov 2009

Role

Executive Vice President- Equity

Education

B.Com., CA, ICWA, PGDM, Chartered Accountants

Experience

Cements Ltd. He such as Information 2005 after a DOSR. He

Funds managed (3)

All schemes V Srivatsa runs →

Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Benchmark and dealing terms from it and this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.

Explore from here

Fund managers

Anurag Mittal V Srivatsa

Top holdings

ICICI BANK LTD HDFC BANK LIMITED INFOSYS LTD.RELIANCE INDUSTRIES LTD.LARSEN & TOUBRO LTD.STATE BANK OF INDIA ITC LTD.POWER GRID CORPORATION OF INDI BHARTI AIRTEL LTD.SHRIRAM FINANCE LTD MAHINDRA & MAHINDRA LTD.HCL TECHNOLOGIES LTD.

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

Run SIP calculator Add to compare

Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

Frequently asked questions

What is the NAV of UTI Retirement Fund?

As of 05 Oct 2026, the NAV of UTI Retirement Fund is ₹53.72 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI Retirement Fund delivered?

UTI Retirement Fund has returned +0.15% over 1 year, +8.30% per year over 3 years, +8.30% per year over 5 years and +8.18% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of UTI Retirement Fund?

UTI Retirement Fund charges an expense ratio of 1.16% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of UTI Retirement Fund?

UTI Retirement Fund's largest holdings are 07.18% GSEC MAT -24/07/2037 (6.8%), ICICI BANK LTD (3.2%), HDFC BANK LIMITED (3.1%), 7.24% GSEC MAT- 18/08/2055 (3.1%) and 07.32% GSEC MAT -13/11/2030 (3.1%). Holdings are disclosed monthly and change over time.

How risky is UTI Retirement Fund?

UTI Retirement Fund is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 5.8% and its worst peak-to-trough fall in our sample was -18.9%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of 0.31 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI Retirement Fund's 0.31 means it has rewarded its volatility with excess return. Higher is better.

What is the benchmark of UTI Retirement Fund?

UTI Retirement Fund is benchmarked against the CRISIL Short Term Debt Hybrid 60+40 Index. Its alpha and beta on this page are measured against that index.

Who manages UTI Retirement Fund?

UTI Retirement Fund is managed by Anurag Mittal and V Srivatsa at UTI.

How is UTI Retirement Fund taxed?

UTI Retirement Fund is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.