Q: What are the returns of this mutual fund scheme?

The UTI Retirement Fund Direct is a 13 yrs 1 m old fund and has delivered average annual returns of 10.29% since inception. UTI Retirement Fund Direct Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.42% 12.24% 11.71% 10.57% 10.29%

Question 1

What is the current NAV of UTI Retirement Fund Direct?

Accepted Answer

The current Net Asset Value (NAV) of the UTI Retirement Fund - Direct Growth plan is approximately ₹54.3087 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The UTI Retirement Fund Direct is a 13 yrs 1 m old fund and has delivered average annual returns of 10.29% since inception.

UTI Retirement Fund Direct Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.42%	12.24%	11.71%	10.57%	10.29%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The UTI Retirement Fund - Direct Growth has an expense ratio of 1.13%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The UTI Retirement Fund currently has assets under management (AUM) or fund size valued at approximately 4,789 Cr as on Dec 31, 2025.

Question 5

What are the top stock holdings of UTI Retirement Fund?

Accepted Answer

The UTI Retirement Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	3.28%
ICICI Bank Ltd.	2.5%
Infosys Ltd.	2.23%
Reliance Industries Ltd.	1.8%
ITC Ltd.	1.57%
Vedanta Ltd.	1.27%
Larsen & Toubro Ltd.	1.17%
Indus Towers Ltd.	1.1%
Wipro Ltd.	1.03%
HCL Technologies Ltd.	0.96%

Question 6

What are the top sectors UTI Retirement Fund has invested in?

Accepted Answer

The UTI Retirement Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	3.28%
ICICI Bank Ltd.	2.5%
Infosys Ltd.	2.23%
Reliance Industries Ltd.	1.8%
ITC Ltd.	1.57%
Vedanta Ltd.	1.27%
Larsen & Toubro Ltd.	1.17%
Indus Towers Ltd.	1.1%
Wipro Ltd.	1.03%
HCL Technologies Ltd.	0.96%

Question 7

To whom does UTI Retirement Fund lend to?

Accepted Answer

The top 3 debt holdings of UTI Retirement Fund are as follows

Holding Name	Percentage of Portfolio
GOI	26.25%
Indian Railway Finance Corporation Ltd.	3.18%
Andhra Pradesh State	3.05%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The UTI Retirement Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
GOI	26.25%
Indian Railway Finance Corporation Ltd.	3.18%
Andhra Pradesh State	3.05%

Question 9

What is risk level of UTI Retirement Fund?

Accepted Answer

This is a Retirement Solutions fund comes with High risk.

Question 10

Is there any lock-in period in this mutual fund?

Accepted Answer

Yes, this fund comes with a mandatory lock-in period of 5 years.

Question 11

How do I invest in UTI Retirement Fund Direct?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for UTI Retirement Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the UTI Retirement Fund is complete.

Question 12

How can I redeem my investments in UTI Retirement Fund?

Accepted Answer

Redeeming your investments in the UTI Retirement Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	1.13% as on Feb 02, 2026
Exit load	1.0% Exit load of 1%, if redeemed within 1 year.!
AUM (Fund size)	₹4,789 Cr
Lock-in Period	5 Years
Age	13 yrs 1 m since Jan 01, 2013
Benchmark	CRISIL Short Term Debt Hybrid 60+40 Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Risk	High

Period	This fund	Category average
1 Month	-1.53%	-2.24%
3 Months	-0.35%	-2.03%
6 Months	1.37%	0.29%
1 Year	6.42%	6.73%
2 Years	9.12%	8.99%
3 Years	12.24%	12.34%
4 Years	10.44%	9.91%
5 Years	11.71%	10.1%
7 Years	10.91%	10.78%
10 Years	10.57%	10.89%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Retirement Fund	-1.53%	1.37%	6.42%	12.24%	11.71%	10.57%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	-0.78%	3.57%	10.41%	12.56%	9.31%	6.93%
HDFC Retirement Savings Fund - Hybrid Equity Plan	-3.47%	0.55%	6.83%	14.71%	14.26%	15.92%
HDFC Retirement Savings Fund - Hybrid Debt Plan	-1.1%	1.01%	5.95%	9.4%	8.59%	9.43%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	-3.65%	3.69%	14.6%	22.91%	17.43%	11.42%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Retirement Fund	5.6	0.62	1.07	1.57
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.04	0.97	1.49	2.01
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.59	0.78	0.99	1.49
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.45	0.87	0.93	1.45
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.34	1.1	1.27	1.82

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Retirement Fund	N.A.	4,789 Cr	13 yrs 1 m	1.13%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	90 Cr	6 yrs 11 m	0.94%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,744 Cr	9 yrs 11 m	0.94%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	161 Cr	9 yrs 11 m	1.13%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	6 yrs 11 m	0.8%

UTI Retirement Fund Direct

Historical NAV & returns

UTI Retirement Fund overview

UTI Retirement Fund Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

About this fund

About UTI Retirement Fund

Fund managers

Investment objective

UTI Mutual Fund details

More funds from UTI Mutual Fund

Frequently asked questions

UTI Retirement Fund Direct Returns

ET Money rank

Alpha	1.73 vs. 3.96 Underperformed at beating benchmark
Sharpe	1.07 vs. 3.77 Poor risk-adjusted returns
Beta	0.62 vs. 0.98 Less sensitive to market ups & downs
Standard deviation	5.6 vs. 6.2 More stable returns

Fund AUM	4,789 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

No. of schemes	63 view all schemes
Total AUM	3,95,059 Cr as on Dec 31, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

Fund name	ETM Rank	AUM	1Y	5Y
UTI Aggressive Hybrid Fund	N.A.	6,758 Cr	7.43%	15.68%
UTI Multi Asset Allocation Fund	N.A.	6,720 Cr	11.15%	15.3%
UTI Equity Savings Fund	N.A.	810 Cr	8.48%	10.67%
UTI Conservative Hybrid Fund	N.A.	1,703 Cr	5.45%	9.26%
UTI Arbitrage Fund	N.A.	10,465 Cr	6.94%	6.51%

Sector	Percentage of Portfolio
Financial	10.64%
Technology	4.49%
Energy	4.29%
Consumer Staples	2.56%
Automobile	2.42%
Healthcare	2.29%
Services	1.96%
Construction	1.87%
Communication	1.86%
Metals & Mining	1.27%

Credit Quality	Percentage of Portfolio
SOV	35.2705401%
AAA	16.89860229%
Cash & Call Money	5.94794974%