UTI Retirement Fund · Regular · Growth
NAV
₹51.2079
as of 03 Aug 2026
Expense Ratio
1.69%
AUM
₹4,629 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.51%
- 3Y
- +9.49%
- 5Y
- +9.32%
- Since Inception
- +4.74%
SIP returns (XIRR)
- 1Y
- +4.90%
- 3Y
- +6.45%
- 5Y
- +8.76%
- Since Inception
- +7.07%
What history actually did — last 10 years (Aug 2016 – Aug 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,62,855 today — ₹5,95,000 invested, 9.4% XIRR.
₹5,95,000
Invested
₹9,62,855
Value today
9.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,33,664 today (8.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹13,73,783.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹9,62,855 in this fund vs ₹11,17,052 in the benchmark — underperformance of ₹1,54,197.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Aug 2026) (22 Mar 2020) would be ₹2,38,139 today (2.38×).
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-0.13
Sharpe Ratio
+0.01
Alpha
0.22
Beta
-0.13
Sortino
5.94%
Std Dev
-6.39%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Mar 2026- Banks7.00%
- IT - Software4.00%
- Pharmaceuticals & Biotechnology2.00%
- Power2.00%
- Petroleum Products2.00%
- Automobiles2.00%
- Telecom - Services2.00%
- Construction2.00%
- Retailing1.00%
- Diversified FMCG1.00%
- Diversified Metals1.00%
- Finance1.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Portfolio holdings
- 107.18% Gsec Mat -24/07/20377.02%
- 26.68% Gsec Mat- 07/07/20403.55%
- 307.32% Gsec Mat -13/11/20303.18%
- 4Hdfc Bank Ltd.2.82%
- 57.24% Gsec Mat- 18/08/20552.63%
- 6Hdfc Bank Limited2.59%
- 7Icici Bank Ltd2.40%
- 8Infosys Ltd.1.89%
- 9Power Finance Corporation Ltd.1.67%
- 106.28% Gsec Mat- 14/07/20321.62%
Investment Objective
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 1.69%.
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