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
₹49.5506
as of 29 Sept 2026
Expense Ratio
1.63%
AUM
₹4,629 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.51%
- 3Y
- +7.69%
- 5Y
- +7.73%
- Since Inception
- +4.54%
SIP returns (XIRR)
- 1Y
- -1.80%
- 3Y
- +3.55%
- 5Y
- +6.94%
- Since Inception
- +6.70%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,30,360 today — ₹6,00,000 invested, 8.5% XIRR.
₹6,00,000
Invested
₹9,30,360
Value today
8.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,20,930 today (8.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹12,78,940.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹9,30,360 in this fund vs ₹10,04,672 in the benchmark — underperformance of ₹85,218.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹2,30,431 today (2.30×).
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-0.64
Sharpe Ratio
-0.02
Alpha
0.23
Beta
-0.62
Sortino
5.75%
Std Dev
-6.39%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks8.39%
- IT - Software3.73%
- Pharmaceuticals & Biotechnology2.56%
- Petroleum Products2.14%
- Construction2.01%
- Automobiles1.82%
- Finance1.77%
- Insurance1.70%
- Telecom - Services1.61%
- Power1.41%
- Transport Services1.30%
- Diversified FMCG1.23%
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 -24/07/20376.80%
- 2Icici Bank Ltd3.17%
- 3Hdfc Bank Limited3.11%
- 47.24% Gsec Mat- 18/08/20553.07%
- 507.32% Gsec Mat -13/11/20303.06%
- 6Reliance Industries Ltd.2.14%
- 7Infosys Ltd.2.14%
- 8Floater Fund1.70%
- 9Larsen & Toubro Ltd.1.61%
- 10Power Finance Corporation Ltd.1.59%
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 ₹4,629 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