Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansUTI Retirement Fund · Regular · Growth
NAV
₹51.0078
as of 13 Nov 2026
Expense Ratio
1.63%
AUM
₹4,698 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.63%
- 3Y
- +8.54%
- 5Y
- +7.90%
- Since Inception
- +4.65%
SIP returns (XIRR)
- 1Y
- +3.41%
- 3Y
- +4.71%
- 5Y
- +7.69%
- Since Inception
- +6.88%
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,45,443 today — ₹6,00,000 invested, 8.9% XIRR.
₹6,00,000
Invested
₹9,45,443
Value today
8.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,29,140 today (8.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹13,45,961.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹9,45,443 in this fund vs ₹11,05,898 in the benchmark — underperformance of ₹1,60,455.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹2,37,208 today (2.37×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.75
Sharpe Ratio
-0.03
Alpha
0.40
Beta
-0.71
Sortino
5.47%
Std Dev
-6.39%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks8.09%
- IT - Software3.13%
- Pharmaceuticals & Biotechnology2.62%
- Petroleum Products2.12%
- Construction1.91%
- Finance1.62%
- Telecom - Services1.56%
- Power1.54%
- Automobiles1.46%
- Insurance1.43%
- Transport Services1.34%
- Diversified FMCG1.33%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Portfolio holdings
- 107.18% Gsec Mat -24/07/20376.20%
- 2Hdfc Bank Limited3.19%
- 37.24% Gsec Mat- 18/08/20553.11%
- 407.32% Gsec Mat -13/11/20303.11%
- 5Icici Bank Ltd2.96%
- 6Export Import Bank Of India2.12%
- 7Reliance Industries Ltd.2.12%
- 8Infosys Ltd.1.96%
- 9Floater Fund1.75%
- 10Power Finance Corporation Ltd.1.61%
What this fund does
UTI Retirement Fund · Regular · Growth by UTI Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
UTI Retirement Fund · Regular · Growth is a Retirement Fund mutual fund offered by UTI Mutual Fund. The fund has been operational for over 20 years. It manages assets worth ₹4,698 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Short Term Debt Hybrid 60+40 Index. The current expense ratio is 1.63%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations