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UTI Retirement Fund Direct
Previously called: UTI Retirement Benefit Pension Direct
| NAV as of Apr 23, 2025 | Returns since inception | ET Money Rank | VRO Ratings |
|---|---|---|---|
| ₹52.8264+0.29% 1 day change | 10.73% |   |
Historical NAV & returns
NAV: ₹52.8264 as on Apr 23, 2025
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UTI Retirement Fund overview
| VRO rating | |
| Expense ratio | 1.04% as on Mar 31, 2025 |
| Exit load | 1.0% Exit load of 1%, if redeemed within 1 year.! |
| AUM (Fund size) | ₹4,564 Crs |
| Lock-in | 5 Years |
| Age | 12 yrs 3 m since Jan 01, 2013 |
| Benchmark | CRISIL Short Term Debt Hybrid 60+40 Index |
| Min. investment | SIP ₹500 & Lump. ₹1000 |
| Risk | High |
UTI Retirement Fund Returns calculator
Investment type
- Total investment ₹ 12 lakh
- Profit ₹12 lakhs
- Total corpus ₹1 lakh
- Absolute return 52.69%
Trailing returns as on Apr 24, 2025
| Period | This fund | Category average |
|---|---|---|
| 1 month | 2.86% | 2.57% |
| 3 months | 3.78% | 3.47% |
| 6 months | 2.48% | 1.14% |
| 1 year | 12.61% | 10.38% |
| 3 years | 13.68% | 12.96% |
| 5 years | 16.71% | 14.95% |
| 7 years | 10.06% | 10.36% |
| 10 years | 10.28% | 10.14% |
Asset allocationas on Mar 31, 2025
Large Cap 24.914168999999998%
Mid Cap 7.724430000000001%
Small Cap 5.787558000000001%
Other Cap 0.0038429999999965046%
Top holdings
Top sectors
Financial 12.040000000000003%
Technology 3.4800000000000004%
Energy 3.47%
Consumer Staples 2.9699999999999998%
SOV 40.76009736%
AAA 16.15182381%
Term Deposits 1.69051418%
Cash & Call Money 1.65512711%
Top Debt Holdings
GOI 32.01%
Indian Railway Finance Corporation Ltd. 3.33%
HDFC Bank Ltd. 2.84%
Power Finance Corporation Ltd. 2.23%
Allocation by Instruments
GOI Securities 32.019907419999996%
State Development Loan 8.39340294%
Debenture 5.40537265%
Non Convertible Debenture 3.33521625%
Other Holdings
Others 1.77%
UTI Liquid Direct-Growth 0.55%
UTI Nifty 5 yr Benchmark G-Sec ETF - Growth 0.11%
UTI Nifty 50 ETF 0.11%
Peer comparison
Key risk & return ratios Compared to other funds in the category
About this fund
More funds from UTI Mutual Fund
Frequently asked questions
ET Money rank
#NA
- Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 5 Years.
- Chance: This fund has generated a 7.66% annual return in 70% of times for investors holding for at least 5 years.
- Return/Risk: The fund is performing poorly than its category.
- Exit Load: Exit load of 1%, if redeemed within 1 year.