UTI Retirement Fund - Regular Plan
₹49.3847
₹0.20 (-0.41%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹53.5418
₹0.03 (-0.06%)
15 May 2026
AMFI: HIST_KF_INF789F1AA64
Direct · Growth
₹₹53.5537
₹0.22 (-0.41%)
29 May 2026
AMFI: 120766
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,20,500
Invested
₹2,53,769
Value today
6.9%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹2,473
Value today
4.6%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus would have been exhausted — fund volatility too high for this rate
₹10,00,000
Initial corpus
₹11,39,902
Withdrawn
₹0 (exhausted)
Corpus left
₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹96,25,893
Value today
+548.7%
vs lumpsum
STP beat direct lumpsum by 548.7% — reduced timing risk paid off
Model your own STP with real NAVThis fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund - Pure Equity - Growth Option
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option
HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,29,660
Value today
2.3×
Multiple
Staying invested through that crash turned ₹1L into ₹2,29,660 — a 2.3× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹1,00,382
Regular plan
₹96,733
Direct earns ₹3,649 more on a ₹60K investment — 0.61% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.64
Sharpe Ratio
-0.02
Alpha
0.19
Beta
-0.61
Sortino
5.99%
Std Dev
-6.39%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
HDFC BANK LIMITED INE040A01034 | 2.59% |
ICICI BANK LTD INE090A01021 | 2.40% |
INFOSYS LTD. INE009A01021 | 1.89% |
RELIANCE INDUSTRIES LTD. INE002A01018 | 1.49% |
LARSEN & TOUBRO LTD. INE018A01030 | 1.35% |
ITC LTD. INE154A01025 | 1.23% |
POWER GRID CORPORATION OF INDI INE752E01010 | 1.20% |
VEDANTA LTD INE205A01025 | 1.18% |
WIPRO LIMITED INE075A01022 | 0.96% |
BHARTI AIRTEL LTD. INE397D01024 | 0.96% |
HCL TECHNOLOGIES LTD. INE860A01027 | 0.89% |
INDUS TOWERS LIMITED INE121J01017 | 0.86% |
STATE BANK OF INDIA INE062A01020 | 0.83% |
MAHINDRA & MAHINDRA LTD. INE101A01026 | 0.77% |
SHRIRAM FINANCE LTD INE721A01047 | 0.75% |
MARUTI SUZUKI INDIA LTD. INE585B01010 | 0.67% |
LIC OF INDIA INE0J1Y01017 | 0.63% |
AUROBINDO PHARMA LTD. INE406A01037 | 0.58% |
| Security | % NAV |
|---|---|
07.18% GSEC MAT -24/07/2037 IN0020230077 | 7.02% |
6.68% GSEC MAT- 07/07/2040 IN0020250042 | 3.55% |
07.32% GSEC MAT -13/11/2030 IN0020230135 | 3.18% |
HDFC BANK LTD. INE040A08914 | 2.82% |
7.24% GSEC MAT- 18/08/2055 IN0020250075 | 2.63% |
POWER FINANCE CORPORATION LTD. INE134E08MR5 | 1.67% |
6.28% GSEC MAT- 14/07/2032 IN0020250059 | 1.62% |
07.32% RAJASTHAN SGS Mat - 24/09/2035 IN2920250205 | 1.24% |
7.73% WEST BENGAL SGS Mat - 04/02/2043 IN3420250331 | 1.15% |
ADITYA BIRLA CAPITAL LTD INE860H07JC8 | 1.12% |
INDIAN RAILWAY FINANCE CORPORATION LIMITED INE053F08353 | 1.12% |
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA INE556F08KW0 | 1.11% |
7.88% ANDHRA PRADESH SGS 25/03/2046 IN1020250610 | 1.11% |
EXPORT IMPORT BANK OF INDIA INE514E08GF5 | 1.10% |
BAJAJ FINANCE LTD. INE296A07TL0 | 1.10% |
7.66% KERALA SGS Mat - 18/02/2039 IN2020250253 | 1.10% |
POWER FINANCE CORPORATION LTD. INE134E08NJ0 | 1.09% |
7.74% WEST BENGAL SGS Mat - 18/02/2044 IN3420250372 | 1.09% |
07.73% HARYANA SGS Mat - 18/02/2045 IN1620250358 | 1.09% |
6.92% G SEC MAT- 18/11/39 IN0020240134 | 1.09% |
INDIAN RAILWAY FINANCE CORPORATION LIMITED INE053F08486 | 1.08% |
06.48% GSEC Mat- 06/10/2035 IN0020250091 | 1.08% |
NABARD - 28/01/2027 INE261F16AH2 | 1.05% |
6.82% ANDHRA SGS MAT -04/06/2036 IN1020250123 | 1.04% |
7.68% MADHYA PRADESH SGS Mat - 04/02/2043 IN2120250351 | 1.04% |
7.10% GSEC - MAT - 08/04/2034 IN0020240019 | 0.97% |
6.99% WB SDL MAT - 29/09/2036 IN3420210145 | 0.85% |
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3 INE16J715035 | 0.60% |
7.48% UTTAR PRADESH SDL 20/03/2036 IN3320230318 | 0.59% |
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT INE261F08EG3 | 0.56% |
INDIAN RAILWAY FINANCE CORPORATION LIMITED INE053F08247 | 0.56% |
ADITYA BIRLA HOUSING FINANCE LTD INE831R07516 | 0.56% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Compare with Similar Funds
Investment Objective
UTI Retirement Fund - Regular Plan 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 Plan is a Retirement Fund mutual fund offered by UTI Mutual Fund. The fund has been operational for over 20 years. It manages assets worth ₹4,697 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 1.69%.
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