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Retirement FundHigh📊 CRISIL Short Term Debt Hybrid 60+40 Index

UTI Retirement Fund · Regular · Growth

UTI Mutual Fund

#17 of 29 (1Y)

NAV

₹51.2079

as of 03 Aug 2026

Expense Ratio

1.69%

AUM

₹4,629 Cr

Viewing Regular · Growth
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Riskometer
High
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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.)

Try the SIP calculator with this fund

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

Each sector links to the mutual funds most exposed to it.

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Fund Details

Fund HouseUTI Mutual Fund
CategoryRetirement Fund
BenchmarkCRISIL Short Term Debt Hybrid 60+40 Index ✓
Launch Date03 Apr 2006
AMFI Code100682

Portfolio holdings

as of 31 Mar 2026
Holding% NAV

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
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