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Home Mf Research Uti Retirement Fund Regular Plan Growth
UTI MUTUAL FUND

Mutual Fund Research

UTI Retirement Fund - Regular Plan - Growth

UTI MUTUAL FUND Solution Oriented Solution Oriented Retirement

Fund Performance

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-
Historical NAV
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI

SIP Returns

Historical performance of a ₹1,000 monthly SIP

Historical data
Investment Period SIP Start Date Amount Invested Current Value Absolute Return
One Week 2026-10-27 ₹1,000.00 ₹1,014.98 +1.50%
Two Week 2026-10-19 ₹1,000.00 ₹1,007.94 +0.79%
One Month 2026-10-05 ₹1,000.00 ₹1,007.40 +0.74%
Three Months 2026-08-05 ₹3,000.00 ₹2,964.85 -1.17%
Six Months 2026-05-07 ₹6,000.00 ₹5,950.81 -0.82%
One Year 2025-11-03 ₹12,000.00 ₹11,937.73 -0.52%
Three Year 2023-11-06 ₹36,000.00 ₹37,752.29 +4.87%
Five Year 2021-11-08 ₹60,000.00 ₹71,308.04 +18.85%
Ten Year 2016-11-07 ₹120,000.00 ₹186,889.32 +55.74%
Since Inception 2000-01-01 ₹327,000.00 ₹738,443.61 +125.82%

Past returns are historical, not guaranteed. SIP values depend on the dates and NAVs used.

Return Calculator

Explore SIP and one-time investment scenarios

₹1,000₹50,000
Investment Duration

Projection uses the selected fund return as an annualized assumption. It does not predict future performance.

Estimated Investment Summary

Investment
₹0
Maturity Value
₹0
Abs. Returns
₹0
Assumed Annual Return
0%

Illustrative values only. Market returns are not fixed or guaranteed.

Portfolio Allocation

Explore asset allocation, sector exposure and company holdings.

Equity
N/A
Debt
N/A
Others
N/A

Sector Allocation

Distribution across different sectors

SOV 23.59%
Other 18.00%
CRISIL-AAA 14.28%
Banks 8.09%
IT - Software 3.13%
CRISIL-A1+ 2.86%
Pharmaceuticals & Biotechnology 2.62%
Petroleum Products 2.12%
Construction 1.91%
Finance 1.62%
Telecom - Services 1.56%
Power 1.54%
Automobiles 1.46%
Insurance 1.43%
Transport Services 1.34%
Diversified FMCG 1.33%
ICRA-A1+ 1.07%
Non - Ferrous Metals 0.89%
ICRA-AA+ 0.78%
Consumable Fuels 0.77%
Chemicals & Petrochemicals 0.62%
Textiles & Apparels 0.59%
Retailing 0.56%
Oil 0.55%
IND-AAA(SO) 0.55%
ICRA-AAA 0.54%
CRISIL-AA 0.54%
CARE-A1+ 0.53%
CRISIL-AAA(SO) 0.52%
Cement & Cement Products 0.47%
Diversified 0.46%
Other Consumer Services 0.45%
Capital Markets 0.40%
Personal Products 0.40%
Consumer Durables 0.40%
Realty 0.36%
Agricultural, Commercial & Construction Vehicles 0.35%
Entertainment 0.25%
Fertilizers & Agrochemicals 0.25%
Paper, Forest & Jute Products 0.24%
Leisure Services 0.24%
Not Applicable 0.12%
Industrial Products 0.11%
Ferrous Metals 0.05%

Top Holdings

Company-wise portfolio exposure

NET CURRENT ASSETS 14.28%
EQ - HDFC BANK LIMITED 3.19%
EQ - ICICI BANK LTD 2.96%
EQ - RELIANCE INDUSTRIES LTD. 2.12%
EQ - INFOSYS LTD. 1.96%
EQ - LARSEN & TOUBRO LTD. 1.53%
EQ - STATE BANK OF INDIA 1.33%
EQ - ITC LTD. 1.33%
EQ - POWER GRID CORPORATION OF INDI 1.08%
EQ - BHARTI AIRTEL LTD. 0.93%
EQ - SHRIRAM FINANCE LTD 0.83%
EQ - MAHINDRA & MAHINDRA LTD. 0.79%
EQ - COAL INDIA LTD. 0.77%
EQ - LIC OF INDIA 0.69%
EQ - WIPRO LIMITED 0.67%
EQ - HERO MOTOCORP LTD. 0.67%
EQ - VEDANTA ALUMINIUM METAL LTD. 0.66%
EQ - INDUS TOWERS LIMITED 0.63%
EQ - AUROBINDO PHARMA LTD. 0.60%
EQ - INFO-EDGE (INDIA) LTD. 0.56%
EQ - OIL & NATURAL GAS CORPORATION 0.55%
EQ - AJANTA PHARMA LTD. 0.53%
EQ - INTERGLOBE AVIATION LTD 0.53%
EQ - VRL LOGISTICS LTD 0.50%
EQ - HCL TECHNOLOGIES LTD. 0.50%
EQ - GHCL LTD. 0.49%
EQ - CAPLIN POINT LABORATORIES LTD 0.47%
EQ - GRASIM INDUSTRIES LTD. 0.47%
EQ - TATA POWER COMPANY LTD. 0.46%
EQ - DCM SHRIRAM LTD. 0.46%
EQ - NIIT LEARNING SYSTEMS LTD 0.45%
EQ - RAYMOND LIFESTYLE LTD 0.42%
EQ - ALEMBIC PHARMACEUTICALS 0.41%
EQ - MOTILAL OSWAL FINANCIAL SERVIC 0.40%
EQ - EMAMI LTD. 0.40%
EQ - SUNDARAM FINANCE LTD. 0.40%
EQ - CROMPTON GREAVES CONSUMER ELEC 0.40%
EQ - ADITYA BIRLA CAPITAL LTD 0.39%
EQ - G R INFRAPROJECTS LTD 0.38%
EQ - INDUSIND BANK 0.37%
EQ - PHOENIX MILLS LTD 0.36%
EQ - TATA MOTORS LTD 0.35%
EQ - GENERAL INSURANCE CORPORATION 0.33%
EQ - DR REDDYS LABORATORIES LTD. 0.32%
EQ - GREAT EASTERN SHIPPING CO. LTD 0.31%
EQ - ICICI PRUDENTIAL LIFE INSURA L 0.30%
EQ - MARKSANS PHARMA LTD. 0.29%
EQ - TIPS MUSIC LIMITED 0.25%
EQ - UPL LTD. 0.25%
EQ - JK PAPER LTD. 0.24%
EQ - FEDERAL BANK LTD. 0.24%
EQ - MAHINDRA HOLIDAYS & RESORTS IN 0.24%
EQ - NATIONAL ALUMINIUM CO. LTD. 0.23%
EQ - S.P.APPARELS LTD 0.17%
EQ - ROSSARI BIOTECH LTD 0.13%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED 0.12%
EQ - MAX FINANCIAL SERVICES LTD. 0.11%
EQ - MAHARASHTRA SEAMLESS LTD. 0.11%
EQ - VEDANTA IRON AND STEEL LTD. 0.05%
NCD POWER FINANCE CORPORATION LTD. 1.61%
NCD REC LTD 1.09%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED 1.09%
NCD ADITYA BIRLA CAPITAL LTD 1.09%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 1.08%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 1.08%
NCD EXPORT IMPORT BANK OF INDIA 1.07%
NCD ADITYA BIRLA HOUSING FINANCE LTD 0.76%
NCD REC LTD 0.55%
NCD ADITYA BIRLA HOUSING FINANCE LTD 0.54%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 0.54%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED 0.54%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED 0.54%
NCD BHARTI TELECOM LTD. 0.54%
NCD POONAWALLA FINCORP LTD. 0.54%
NCD AXIS FINANCE LTD 0.54%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 0.54%
NCD BAJAJ FINANCE LTD. 0.54%
NCD TORRENT PHARMACEUTICALS LTD. 0.43%
NCD PIRAMAL FINANCE LIMITED 0.33%
NCD REC LTD 0.32%
NCD GODREJ SEEDS AND GENETICS LIMITED 0.27%
NCD GODREJ SEEDS AND GENETICS LIMITED 0.27%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 0.22%
NCD TORRENT PHARMACEUTICALS LTD. 0.02%
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3 0.55%
07.73% XIRR PTC- SHIVSHAKTI SECURITISATION TRUST-28/09/2029 0.52%
07.18% GSEC MAT -24/07/2037 6.20%
7.24% GSEC MAT- 18/08/2055 3.11%
07.32% GSEC MAT -13/11/2030 3.11%
CP EXPORT IMPORT BANK OF INDIA 2.12%
MF UNITS UTI - FLOATER FUND 1.75%
6.28% GSEC MAT- 14/07/2032 1.58%
07.32% RAJASTHAN SGS Mat - 24/09/2035 1.20%
7.73% WEST BENGAL SGS Mat - 04/02/2043 1.13%
06.94% GSEC Mat- 11/05/2036 1.08%
CD - NABARD - 28/01/2027 1.07%
6.92% G SEC MAT- 18/11/39 1.06%
6.82% ANDHRA SGS MAT -04/06/2036 1.01%
6.99% WB SDL MAT - 29/09/2036 0.82%
7.66% KERALA SGS Mat - 18/02/2039 0.64%
CD - CANARA BANK - 28/01/2027 0.53%
CD - SMALL INDST. DEV. BANK OF INDIA - 28/01/2027 0.53%
7.65% MADHYAPRADESH SGS Mat - 11/03/2040 0.53%
07.23% RAJASTHAN SGS Mat - 23/10/2035 0.52%
6.96% AP SDL MAT - 06/08/2034 0.52%
7.08% A P SGL MAT - 26/03/2037 0.51%
MF UNITS UTI NIFTY 1D RATE LIQUID ETF – GROWTH ETF 0.33%
6.98% MAHARASHTRA SGS MAT -25/06/2037 0.31%
CD - CANARA BANK - 12/03/2027 0.21%
MF UNITS Nifty 5 yr Benchmark G-Sec ETF ETF 0.12%
7.88% ANDHRA PRADESH SGS 25/03/2046 0.11%
MF UNITS Nifty 10 yr Benchmark G-Sec ETF ETF 0.10%
07.73% HARYANA SGS Mat - 18/02/2045 0.08%
7.48% UTTAR PRADESH SDL 20/03/2036 0.04%
MF UNITS UTI BSE India Sector Leaders Exchange Traded Fund ETF 0.04%
07.08% HARYANA SDL MAT - 26/03/2039 0.02%
7.19% MAHARASHTRA SDL-27/02/2040 0.01%
AXIS BANK LTD. STD - MARGIN 0.11%
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN 0.02%
INVIT - IRB INVIT FUND 0.36%
INVIT - INDUS INFRA TRUST 0.07%
REIT- KNOWLEDGE REALTY TRUST REIT 0.44%
REIT- NEXUS SELECT TRUST 0.38%

Risk Ratios & Analysis

Understand the fund’s volatility, benchmark exposure and redemption characteristics.

σ
Standard Deviation
5.76%
Return volatility
β
Beta
0.98
Benchmark sensitivity
S
Sharpe Ratio
0.63
Risk-adjusted return
↗
Lock-in Period
N/A
Redemption restriction
◷
Residual Maturity
6.44 Yrs
Time to maturity

Scheme Riskometer

Published risk classification for this scheme

Principal risk level

Investors understand that their principal will be at

High Risk

Low
Low to Moderate
Moderate
Moderately High
High
Very High

Riskometer is a scheme risk classification, not a prediction of future performance.

Peer Comparison

Compare similar mutual funds by performance, fundamentals and risk.

Fund Name 1Y Return 3Y Return Since Inception
Aditya Birla Sun Life Retirement Fund - 30S Plan - Regular Plan - Growth 6.28% 14.46% 10.72%
ICICI Prudential Retirement Fund Pure Debt Plan - Regular Plan - Growth 2.55% 5.33% 5.97%
Aditya Birla Sun Life Retirement Fund - 50Plus Debt Plan - Regular Plan - Growth 1.71% 4.49% 4.04%
ICICI Prudential Retirement Fund Hybrid Conservative Plan - Regular Plan - Growth 1.59% 7.86% 7.90%
Aditya Birla Sun Life Retirement Fund - 50S Plan - Regular Plan - Growth 0.84% 6.47% 5.41%
SBI Retirement Benefit Fund Conservative Plan - Regular Plan - Growth 0.80% 5.92% 6.62%
Tata Retirement Savings Fund-Conservative - Regular Plan - Growth 0.64% 6.05% 8.08%
SBI Retirement Benefit Fund Conservative Hybrid Plan - Regular Plan - Growth -0.57% 6.22% 7.99%
Tata Retirement Savings Fund-Moderate - Regular Plan - Growth -0.78% 9.63% 13.22%
Tata Retirement Savings Fund-Progressive - Regular Plan - Growth -1.17% 10.04% 13.26%

Returns are historical and do not guarantee future performance.

View All Solution Oriented Retirement Funds

Fund Family

Compare schemes from UTI MUTUAL FUND by performance, fundamentals and risk.

Fund Name 1Y Return 3Y Return Since Inception
UTI Silver Exchange Traded Fund - Regular Plan - Growth 19.57% 34.72% 26.75%
UTI Silver ETF Fund Of Fund - Regular Plan - Growth 19.52% 34.07% 25.99%
UTI Healthcare Fund - Regular Plan - IDCW Payout 13.60% 22.06% 11.29%
UTI Healthcare Fund - Regular Plan - IDCW Reinvestment 13.60% 0.00% 9.77%
UTI Healthcare Fund - Regular Plan - Growth 13.60% 22.06% 12.37%
UTI Gold ETF Fund Of Fund - Regular Plan - Growth 12.49% 29.52% 26.62%
UTI Gold Exchange Traded Fund - Regular Plan - Growth 12.48% 29.94% -10.21%
UTI Money Market Fund - Regular Plan - Annual IDCW Payout 6.28% 7.19% 5.86%
UTI Money Market Fund - Regular Plan - Annual IDCW Reinvestment 6.28% 0.00% 6.17%
UTI Money Market Fund - Regular Plan - Half Yearly IDCW Payout 6.28% 7.20% 5.36%

Returns are historical and do not guarantee future performance.

View All UTI MUTUAL FUND Funds

Scheme Objective

The investment mandate and purpose of this scheme

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.

Scheme Details

Investment requirements and key fund information

Fund Information

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio (Regular)
1.63%
Expense Ratio (Direct)
1.16%
Lock-in Period
N/A
Fund Age
N/A
Benchmark
CRISIL Short Term Debt Hybrid 60+40 Index

Exit Load

Charges that may apply when you redeem units

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.
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