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

UTI Retirement Fund - Regular Plan - Regular Plan

Solution Oriented Solution Oriented Retirement
Fund House : UTI MUTUAL FUND
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • SI
NAV (as on 2025-06-19)
49.42 -0.30%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
-%
Expense Ratio (Direct)
-%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-12 ₹1,000.00 ₹996.64
-0.34 %
Two Week 2025-06-04 ₹1,000.00 ₹996.50
-0.35 %
One Month 2025-05-20 ₹1,000.00 ₹998.41
-0.16 %
Three Months 2025-03-21 ₹3,000.00 ₹3,052.75
1.76 %
Six Months 2024-12-23 ₹6,000.00 ₹6,174.57
2.91 %
Since Inception 2024-09-02 ₹10,000.00 ₹10,293.96
2.94 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
HDFC BANK LIMITED Banks Equity 3.86
ICICI BANK LTD Banks Equity 3.22
ITC LTD. Diversified FMCG Equity 1.77
INFOSYS LTD. IT - Software Equity 1.65
INDUS TOWERS LIMITED Telecom - Services Equity 1.16
RELIANCE INDUSTRIES LTD. Petroleum Products Equity 1.15
VEDANTA LTD Diversified Metals Equity 1.06
OIL & NATURAL GAS CORPORATION Oil Equity 0.94
POWER GRID CORPORATION OF INDI Power Equity 0.93
KOTAK MAHINDRA BANK LTD. Banks Equity 0.93
INTERGLOBE AVIATION LTD Transport Services Equity 0.83
HCL TECHNOLOGIES LTD. IT - Software Equity 0.80
MARUTI SUZUKI INDIA LTD. Automobiles Equity 0.80
MAHINDRA & MAHINDRA LTD. Automobiles Equity 0.75
LARSEN & TOUBRO LTD. Construction Equity 0.73
BHARTI AIRTEL LTD. Telecom - Services Equity 0.73
WIPRO LIMITED IT - Software Equity 0.67
HDFC LIFE INSURANCE COMPANY LI Insurance Equity 0.64
INDUSIND BANK Banks Equity 0.63
SHRIRAM FINANCE LTD Finance Equity 0.58
BAJAJ AUTO LTD. Automobiles Equity 0.53
EMAMI LTD. Personal Products Equity 0.53
INDIAN BANK Banks Equity 0.50
ADITYA BIRLA CAPITAL LTD Finance Equity 0.49
JK PAPER LTD. Paper, Forest & Jute Products Equity 0.48
GREAT EASTERN SHIPPING CO. LTD Transport Services Equity 0.46
DR REDDYS LABORATORIES LTD. Pharmaceuticals & Biotechnology Equity 0.46
PHOENIX MILLS LTD Realty Equity 0.45
NMDC LTD. Minerals & Mining Equity 0.43
BHARTI HEXACOM LTD Telecom - Services Equity 0.42
AJANTA PHARMA LTD. Pharmaceuticals & Biotechnology Equity 0.42
MAX FINANCIAL SERVICES LTD. Insurance Equity 0.41
FEDERAL BANK LTD. Banks Equity 0.41
NIPPON LIFE INDIA ASSET MANAGE Capital Markets Equity 0.41
SUNDARAM FINANCE LTD. Finance Equity 0.39
CAPLIN POINT LABORATORIES LTD Pharmaceuticals & Biotechnology Equity 0.38
MOTILAL OSWAL FINANCIAL SERVIC Capital Markets Equity 0.38
NIIT LEARNING SYSTEMS LTD Other Consumer Services Equity 0.38
CROMPTON GREAVES CONSUMER ELEC Consumer Durables Equity 0.37
INDO COUNT INDUSTRIES LTD. Textiles & Apparels Equity 0.36
MAHINDRA HOLIDAYS & RESORTS IN Leisure Services Equity 0.36
OIL INDIA LTD. Oil Equity 0.36
G R INFRAPROJECTS LTD Construction Equity 0.36
AUROBINDO PHARMA LTD. Pharmaceuticals & Biotechnology Equity 0.35
GLENMARK PHARMACEUTICALS LTD. Pharmaceuticals & Biotechnology Equity 0.34
APOLLO TYRES LTD. Auto Components Equity 0.34
MPHASIS LTD IT - Software Equity 0.34
BHARAT PETROLEUM CORPN LTD. Petroleum Products Equity 0.34
RAYMOND LIFESTYLE LTD Textiles & Apparels Equity 0.31
TIPS MUSIC LIMITED Entertainment Equity 0.29
COLGATE PALMOLIVE INDIA LTD. Personal Products Equity 0.29
ACC LTD Cement & Cement Products Equity 0.26
MARKSANS PHARMA LTD. Pharmaceuticals & Biotechnology Equity 0.25
COROMANDEL INTERNATIONAL LTD. Fertilizers & Agrochemicals Equity 0.22
SHIVALIK BIMETAL CONTROLS LTD Industrial Products Equity 0.21
EQ (RTS-PP)BHARTI AIRTEL LTD Telecom - Services Equity 0.21
UPL LTD. Fertilizers & Agrochemicals Equity 0.21
GHCL LTD. Chemicals & Petrochemicals Equity 0.20
INDIAMART INTERMESH LTD Retailing Equity 0.16
S.P.APPARELS LTD Textiles & Apparels Equity 0.16
RAYMOND LIMITED. Realty Equity 0.15
ROSSARI BIOTECH LTD Chemicals & Petrochemicals Equity 0.12
TATA MOTORS LTD. Automobiles Equity 0.10
HDFC BANK LTD. - Debt 2.79
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA - Debt 2.18
POWER FINANCE CORPORATION LTD. - Debt 1.09
REC LTD - Debt 0.53
INDIAN RAILWAY FINANCE CORPORATION LIMITED - Debt 0.55
JAMNAGAR UTILITIES AND POWER PRIVATE LIMITED - Debt 1.09
LIC HOUSING FINANCE LTD. - Debt 0.55
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT - Debt 0.55
UNION BANK OF INDIA BASEL3T2 - Debt 0.54
PIRAMAL FINANCE LIMITED - Debt 0.34
MANKIND PHARMA LTD - Debt 0.33
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3 - Debt 0.63
08.02% PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1 - Debt 0.42
07.18% GSEC MAT -24/07/2037 - Debt 9.26
7.23% GSEC MAT- 15/04/2039 - Debt 6.42
6.92% G SEC MAT- 18/11/39 - Debt 3.91
07.32% GSEC MAT -13/11/2030 - Debt 3.73
7.41% GS MAT - 19/12/2036 - Debt 3.39
7.10% GSEC - MAT - 08/04/2034 - Debt 2.92
6.79% GOVT BONDS - 07/10/2034 - Debt 2.21
7.34% GSEC MAT- 22/04/2064 - Debt 1.72
7.32% CHHATTISGARH SDL 05/03/2037 - Debt 1.12
7.10% KERALA SGS MAT - 26/03/2043 - Debt 1.11
7.08% A P SGL MAT - 26/03/2037 - Debt 1.10
7.34% ANDHRA SGS MAT - 26/06/2035 - Debt 1.01
7.35%TN SGS MAT - 03/07/2034 - Debt 0.74
7.39% KERALA SDL MAT- 13/03/2034 - Debt 0.56
07.09% HARYANA SDL MAT - 26/03/2040 - Debt 0.55
07.08% HARYANA SDL MAT - 26/03/2039 - Debt 0.46
MF UNITS UTI - Nifty 50 ETF ETF - Debt 0.11
MF UNITS Nifty 5 yr Benchmark G-Sec ETF - Debt 0.11
MF UNITS Nifty 10 yr Benchmark G-Sec ETF - Debt 0.10
7.19% MAHARASHTRA SDL-27/02/2040 - Debt 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
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
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
  • Fund manager(s) : Mr. V Srivatsa (), Mr. Sunil Madhukar Patil (),
  • Expense ration regular : -
  • Expense ration direct : -
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹-
  • Type : solution_oriented

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