UTI Retirement Fund · Regular · Growth
NAV
₹50.1372
as of 17 Jun 2026
Expense Ratio
1.69%
AUM
₹4,697 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.05%
- 3Y
- +9.73%
- 5Y
- +9.57%
- Since Inception
- +4.66%
SIP returns (XIRR)
- 1Y
- +1.13%
- 3Y
- +5.99%
- 5Y
- +8.43%
- Since Inception
- +6.97%
This fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
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HDFC Retirement Savings Fund -Equity · Regular · Growth
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,21,000
Invested
₹2,53,437
Value today
6.8%
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
₹2,465
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Withdrawn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
₹16,17,283
Value today
+9.3%
vs lumpsum
STP beat direct lumpsum by 9.3% — reduced timing risk paid off
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,28,907
Value today
2.3×
Multiple
Staying invested through that crash turned ₹1L into ₹2,28,907 — a 2.3× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.62
Sharpe Ratio
-0.02
Alpha
0.20
Beta
-0.60
Sortino
6.04%
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 ₹4,697 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