Home Mf Research Uti Retirement Fund Regular Plan Regular Plan

UTI Retirement Fund - Regular Plan - Regular Plan

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  • 1M
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  • SI
Fund info
NAV (as on 2025-07-18)
50.09 -0.08%
AUM (Fund Size)
105
Expense Ratio
1.66%
Exit load
Nil
Risk
N/A
AMC
UTI MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,001.64
0.16 %
Two Week 2025-07-03 ₹1,000.00 ₹999.65
-0.03 %
One Month 2025-06-18 ₹1,000.00 ₹1,010.51
1.05 %
Three Months 2025-04-21 ₹3,000.00 ₹3,045.12
1.50 %
Six Months 2025-01-20 ₹6,000.00 ₹6,228.88
3.81 %
Since Inception 2024-09-02 ₹11,000.00 ₹11,432.71
3.93 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 11%
Debt 39%
Others 2%

Sectors Holding in UTI Retirement Fund - Regular Plan - Regular Plan

Banks
6%
Diversified FMCG
1%
IT - Software
1%
Telecom - Services
1%
Petroleum Products
1%
Diversified Metals
1%
Oil
0%
Power
0%
Transport Services
0%
Automobiles
0%
Construction
0%
Insurance
0%
Finance
0%
Personal Products
0%
Paper, Forest & Jute Products
0%
Pharmaceuticals & Biotechnology
0%
Realty
0%
Minerals & Mining
0%
Capital Markets
0%
Other Consumer Services
0%
Consumer Durables
0%
Textiles & Apparels
0%
Leisure Services
0%
Auto Components
0%
Entertainment
0%
Cement & Cement Products
0%
Fertilizers & Agrochemicals
0%
Industrial Products
0%
Chemicals & Petrochemicals
0%
Retailing
0%
Other
41%
-
0%

Companies Holding in UTI Retirement Fund - Regular Plan - Regular Plan

HDFC BANK LIMITED
3.86%
ICICI BANK LTD
3.22%
ITC LTD.
1.77%
INFOSYS LTD.
1.65%
INDUS TOWERS LIMITED
1.16%
RELIANCE INDUSTRIES LTD.
1.15%
VEDANTA LTD
1.06%
OIL & NATURAL GAS CORPORATION
0.94%
POWER GRID CORPORATION OF INDI
0.93%
KOTAK MAHINDRA BANK LTD.
0.93%
INTERGLOBE AVIATION LTD
0.83%
HCL TECHNOLOGIES LTD.
0.80%
MARUTI SUZUKI INDIA LTD.
0.80%
MAHINDRA & MAHINDRA LTD.
0.75%
LARSEN & TOUBRO LTD.
0.73%
BHARTI AIRTEL LTD.
0.73%
WIPRO LIMITED
0.67%
HDFC LIFE INSURANCE COMPANY LI
0.64%
INDUSIND BANK
0.63%
SHRIRAM FINANCE LTD
0.58%
BAJAJ AUTO LTD.
0.53%
EMAMI LTD.
0.53%
INDIAN BANK
0.50%
ADITYA BIRLA CAPITAL LTD
0.49%
JK PAPER LTD.
0.48%
GREAT EASTERN SHIPPING CO. LTD
0.46%
DR REDDYS LABORATORIES LTD.
0.46%
PHOENIX MILLS LTD
0.45%
NMDC LTD.
0.43%
BHARTI HEXACOM LTD
0.42%
AJANTA PHARMA LTD.
0.42%
MAX FINANCIAL SERVICES LTD.
0.41%
FEDERAL BANK LTD.
0.41%
NIPPON LIFE INDIA ASSET MANAGE
0.41%
SUNDARAM FINANCE LTD.
0.39%
CAPLIN POINT LABORATORIES LTD
0.38%
MOTILAL OSWAL FINANCIAL SERVIC
0.38%
NIIT LEARNING SYSTEMS LTD
0.38%
CROMPTON GREAVES CONSUMER ELEC
0.37%
INDO COUNT INDUSTRIES LTD.
0.36%
MAHINDRA HOLIDAYS & RESORTS IN
0.36%
OIL INDIA LTD.
0.36%
G R INFRAPROJECTS LTD
0.36%
AUROBINDO PHARMA LTD.
0.35%
GLENMARK PHARMACEUTICALS LTD.
0.34%
APOLLO TYRES LTD.
0.34%
MPHASIS LTD
0.34%
BHARAT PETROLEUM CORPN LTD.
0.34%
RAYMOND LIFESTYLE LTD
0.31%
TIPS MUSIC LIMITED
0.29%
COLGATE PALMOLIVE INDIA LTD.
0.29%
ACC LTD
0.26%
MARKSANS PHARMA LTD.
0.25%
COROMANDEL INTERNATIONAL LTD.
0.22%
SHIVALIK BIMETAL CONTROLS LTD
0.21%
EQ (RTS-PP)BHARTI AIRTEL LTD
0.21%
UPL LTD.
0.21%
GHCL LTD.
0.20%
INDIAMART INTERMESH LTD
0.16%
S.P.APPARELS LTD
0.16%
RAYMOND LIMITED.
0.15%
ROSSARI BIOTECH LTD
0.12%
TATA MOTORS LTD.
0.10%
HDFC BANK LTD.
2.79%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
2.18%
POWER FINANCE CORPORATION LTD.
1.09%
REC LTD
0.53%
INDIAN RAILWAY FINANCE CORPORATION LIMITED
0.55%
JAMNAGAR UTILITIES AND POWER PRIVATE LIMITED
1.09%
LIC HOUSING FINANCE LTD.
0.55%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
0.55%
UNION BANK OF INDIA BASEL3T2
0.54%
PIRAMAL FINANCE LIMITED
0.34%
MANKIND PHARMA LTD
0.33%
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3
0.63%
08.02% PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1
0.42%
07.18% GSEC MAT -24/07/2037
9.26%
7.23% GSEC MAT- 15/04/2039
6.42%
6.92% G SEC MAT- 18/11/39
3.91%
07.32% GSEC MAT -13/11/2030
3.73%
7.41% GS MAT - 19/12/2036
3.39%
7.10% GSEC - MAT - 08/04/2034
2.92%
6.79% GOVT BONDS - 07/10/2034
2.21%
7.34% GSEC MAT- 22/04/2064
1.72%
7.32% CHHATTISGARH SDL 05/03/2037
1.12%
7.10% KERALA SGS MAT - 26/03/2043
1.11%
7.08% A P SGL MAT - 26/03/2037
1.10%
7.34% ANDHRA SGS MAT - 26/06/2035
1.01%
7.35%TN SGS MAT - 03/07/2034
0.74%
7.39% KERALA SDL MAT- 13/03/2034
0.56%
07.09% HARYANA SDL MAT - 26/03/2040
0.55%
07.08% HARYANA SDL MAT - 26/03/2039
0.46%
MF UNITS UTI - Nifty 50 ETF ETF
0.11%
MF UNITS Nifty 5 Yr Benchmark G-Sec ETF
0.11%
MF UNITS Nifty 10 Yr Benchmark G-Sec ETF
0.10%
7.19% MAHARASHTRA SDL-27/02/2040
0.04%
AXIS BANK LTD. STD - MARGIN
0.11%
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN
0.06%
NET CURRENT ASSETS
2.58%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
1.66
Expense Ratio Direct
1.04
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Mr. V Srivatsa
Experience
Mr. Sunil Madhukar Patil
Experience

Exit load

Nil

FAQs

Is a Mutual Fund with a Lower NAV Better?
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