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UTI Retirement Fund Direct Portfolio Analysis

Portfolio Overview

as on Dec 31, 2025
Number of stocks8
Top 10 Stocks (%) 7.670000000000001 %
Top 5 Stocks (%) 7.340000000000001 %
Top 3 Stocks (%) 6.760000000000001 %
GOI Securities 26.247309939999997 %
State Development Loan 8.82362516 %
Debenture 6.71520559 %
Net Current Assets 5.94376974 %
Others 5.94 %
Knowledge Realty Trust 0.45 %
Mindspace Business Parks REIT 0.37 %
IRB InvIT Fund 0.29 %

Portfolio Aggregates

as on Dec 31, 2025
Large Cap Stocks (%)

24.168633999999997 %

This fund

Vs

67.83 %

Category

Mid Cap Stocks (%)

7.30891 %

This fund

Vs

16.96 %

Category

Small Cap Stocks (%)

6.392455999999999 %

This fund

Vs

15.21 %

Category

Tiny Cap Stocks (%)

0.0 %

This fund

Vs

0.0 %

Category

Historical Trend in Sector Stocks Holding

as on Dec 31, 2025
  • %
  • #
Sector Dec 25 Oct 25 Sep 25 Aug 25 Jul 25 May 25 Apr 25 Mar 25 Dec 24 Nov 24 Oct 24 Sep 24 Aug 24 Jul 24 Jun 24 May 24 Apr 24 Mar 24 Feb 24 Jan 24
Financial 31.890000000000008 % 1,526 Cr 34.11 % 1,618 Cr 33.53 % 1,559 Cr 34.769999999999996 % 1,610 Cr 33.85000000000001 % 1,594 Cr 30.070000000000004 % 1,418 Cr 30.190000000000005 % 1,408 Cr 30.25 % 1,379 Cr 24.269999999999996 % 1,123 Cr 26.1 % 1,213 Cr 26.360000000000003 % 1,224 Cr 25.77 % 1,225 Cr 27.63 % 1,299 Cr 28.749999999999996 % 1,337 Cr 29.83000000000001 % 1,355 Cr 33.529999999999994 % 1,477 Cr 36.870000000000005 % 1,616 Cr 35.29999999999999 % 1,531 Cr 36.16999999999998 % 1,557 Cr 34.11999999999999 % 1,454 Cr 20.9
Technology 4.49 % 215.21 Cr 4.18 % 198.88 Cr 3.9899999999999998 % 185.75 Cr 4.1 % 189.96 Cr 3.92 % 184.6 Cr 3.62 % 171.35 Cr 3.46 % 161.36 Cr 3.4800000000000004 % 158.72 Cr 4.7700000000000005 % 221.01 Cr 4.65 % 215.8 Cr 4.3999999999999995 % 205.03 Cr 4.4 % 209.53 Cr 4.54 % 213.57 Cr 4.3999999999999995 % 204.38 Cr 3.89 % 177.11 Cr 3.13 % 138.53 Cr 2.9400000000000004 % 128.71 Cr 3.21 % 139.64 Cr 3.74 % 161.23 Cr 3.81 % 162.57 Cr 4.41
Energy 4.29 % 205.2 Cr 4.13 % 196.25 Cr 3.9099999999999997 % 182.6 Cr 3.8499999999999996 % 178.45 Cr 3.9499999999999997 % 186.95 Cr 4.27 % 201.48 Cr 4.18 % 195.21 Cr 3.4699999999999998 % 158.35 Cr 2.58 % 120.03 Cr 2.6299999999999994 % 122.61 Cr 2.91 % 135.6 Cr 3.29 % 156.27 Cr 3.45 % 162.5 Cr 3.5300000000000002 % 164.52 Cr 4.15 % 188.61 Cr 4.369999999999999 % 192.56 Cr 4.87 % 213.69 Cr 4.51 % 196.46 Cr 4.370000000000001 % 188.27 Cr 4.500000000000001 % 191.46 Cr 4.87
Consumer Staples 3.08 % 147.39 Cr 3.22 % 152.46 Cr 3.27 % 152.06 Cr 2.77 % 128.59 Cr 2.69 % 126.33 Cr 2.97 % 140.52 Cr 3.07 % 143.37 Cr 2.9699999999999998 % 135.52 Cr 2.67 % 123.5 Cr 2.67 % 124.47 Cr 2.64 % 122.83 Cr 2.88 % 137.18 Cr 2.99 % 141 Cr 3.06 % 142.14 Cr 2.8500000000000005 % 129.71 Cr 2.76 % 121.92 Cr 2.42 % 106.01 Cr 2.02 % 87.58 Cr 1.79 % 77.24 Cr 1.9100000000000001 % 81.28 Cr 3.39
Automobile 2.42 % 116.19 Cr 2.45 % 116.19 Cr 2.66 % 124.51 Cr 2.57 % 118.72 Cr 2.0 % 94.25 Cr 2.45 % 115.72 Cr 2.5200000000000005 % 118.1 Cr 2.83 % 129.26 Cr 2.6400000000000006 % 122.16 Cr 2.06 % 95.61 Cr 2.08 % 96.42 Cr 2.34 % 111.06 Cr 2.3 % 108.41 Cr 2.48 % 115.46 Cr 2.69 % 122.02 Cr 3.23 % 142.37 Cr 3.6700000000000004 % 161.13 Cr 4.49 % 194.51 Cr 4.26 % 183.2 Cr 4.21 % 179.82 Cr 4.03
Healthcare 2.2899999999999996 % 109.57 Cr 2.2899999999999996 % 108.96 Cr 2.98 % 138.5 Cr 3.0600000000000005 % 141.2 Cr 3.13 % 147.73 Cr 2.71 % 127.78 Cr 2.5300000000000002 % 118.61 Cr 2.66 % 121.27 Cr 3.04 % 140.57 Cr 3.08 % 142.69 Cr 2.9999999999999996 % 139.31 Cr 2.7 % 128.17 Cr 2.91 % 136.75 Cr 3.36 % 156.44 Cr 2.8400000000000003 % 129.79 Cr 2.7900000000000005 % 122.89 Cr 3.19 % 139.5 Cr 3.27 % 141.52 Cr 3.1900000000000004 % 138.26 Cr 3.17 % 134.78 Cr 3.58
Services 1.9599999999999997 % 94.28 Cr 2.09 % 99.41 Cr 2.17 % 101.49 Cr 2.21 % 102.81 Cr 2.27 % 106.84 Cr 2.18 % 102.42 Cr 2.02 % 94.7 Cr 2.0 % 91.4 Cr 2.12 % 97.87 Cr 2.12 % 98.68 Cr 2.04 % 94.76 Cr 2.02 % 95.76 Cr 2.08 % 97.48 Cr 1.92 % 88.62 Cr 1.52 % 69.16 Cr 1.7 % 75.01 Cr 1.43 % 62.51 Cr 1.3 % 56.54 Cr 1.05 % 45.44 Cr 1.08 % 45.64 Cr 4.05
Construction 3.2699999999999996 % 156.6 Cr 3.2100000000000004 % 151.93 Cr 2.8800000000000003 % 133.92 Cr 2.6599999999999997 % 123.34 Cr 2.22 % 104.56 Cr 1.65 % 77.56 Cr 1.54 % 71.64 Cr 1.62 % 73.71 Cr 1.73 % 79.99 Cr 1.8900000000000001 % 87.55 Cr 1.81 % 84.17 Cr 1.87 % 88.96 Cr 1.9100000000000001 % 89.7 Cr 1.98 % 92.17 Cr 2.01 % 91.47 Cr 2.27 % 99.94 Cr 2.67 % 117.22 Cr 2.8800000000000003 % 125.14 Cr 2.7600000000000002 % 118.61 Cr 2.67 % 113.84 Cr 3.27
Communication 1.86 % 89.05 Cr 1.7 % 80.74 Cr 1.68 % 78.35 Cr 1.9500000000000002 % 90.18 Cr 2.04 % 96.53 Cr 2.41 % 113.54 Cr 2.52 % 117.61 Cr 2.34 % 107.08 Cr 1.99 % 92.02 Cr 2.08 % 96.94 Cr 2.07 % 96.23 Cr 2.11 % 99.95 Cr 2.0300000000000002 % 95.66 Cr 1.9 % 88.69 Cr 1.9300000000000002 % 88.26 Cr 1.8299999999999998 % 80.33 Cr 1.8900000000000001 % 82.72 Cr 1.54 % 66.49 Cr 1.8699999999999999 % 80.75 Cr 1.68 % 71.63 Cr 3.77
Metals & Mining 1.27 % 60.81 Cr 1.22 % 58.07 Cr 1.18 % 54.81 Cr 1.07 % 49.49 Cr 1.06 % 50.08 Cr 1.55 % 73.33 Cr 1.49 % 69.43 Cr 2.01 % 91.59 Cr 1.52 % 70.15 Cr 1.5 % 69.6 Cr 1.2999999999999998 % 60.67 Cr 1.1800000000000002 % 56.18 Cr 1.3699999999999999 % 64.84 Cr 1.3399999999999999 % 62.34 Cr 1.37 % 62.21 Cr 1.31 % 57.95 Cr 1.19 % 52.41 Cr 0.8 % 34.65 Cr 1.06 % 45.67 Cr 1.3900000000000001 % 59.19 Cr 2.93
Materials 0.97 % 46.18 Cr 0.97 % 46.13 Cr 0.94 % 43.9 Cr 0.51 % 23.42 Cr 0.49 % 23.17 Cr 0.26 % 12.16 Cr 0.26 % 12.19 Cr 0.33 % 14.62 Cr 0.69 % 32 Cr 0.73 % 33.67 Cr 0.74 % 34.44 Cr 0.74 % 35.18 Cr 0.43 % 20.06 Cr 0.38 % 17.67 Cr 0.34 % 15.46 Cr 0.32 % 14.25 Cr 0.34 % 14.76 Cr 0.36 % 15.59 Cr 0.38 % 16.26 Cr 0.39 % 16.43 Cr 2.05
Chemicals 0.96 % 46.13 Cr 1.0 % 47.57 Cr 0.94 % 44.04 Cr 0.6900000000000001 % 31.58 Cr 0.7 % 32.82 Cr 0.76 % 35.77 Cr 0.75 % 35.13 Cr 0.78 % 35.8 Cr 0.74 % 34.28 Cr 0.71 % 32.92 Cr 0.66 % 30.91 Cr 0.7 % 33.25 Cr 0.74 % 34.43 Cr 0.64 % 30.07 Cr 0.67 % 30.43 Cr 0.7 % 30.45 Cr 0.6699999999999999 % 29.41 Cr 0.5900000000000001 % 25.66 Cr 0.48 % 21.01 Cr 0.52 % 22.29 Cr 1.83
Consumer Discretionary 0.74 % 35.46 Cr 0.73 % 34.58 Cr 0.71 % 33.08 Cr 0.74 % 34.21 Cr 0.73 % 34.52 Cr 0.72 % 34.05 Cr 0.6799999999999999 % 31.61 Cr 0.68 % 30.81 Cr 0.84 % 38.77 Cr 0.8300000000000001 % 38.93 Cr 0.8300000000000001 % 38.57 Cr 0.85 % 40.36 Cr 0.71 % 33.47 Cr 0.6499999999999999 % 30.22 Cr 0.38 % 17.1 Cr 0.38 % 16.55 Cr 0.31 % 13.43 Cr 0.22 % 9.67 Cr 0.2 % 8.66 Cr 0.21 % 9.02 Cr 1.31
Insurance 0.73 % 34.73 Cr 0.5800000000000001 % 27.82 Cr 0.6 % 28 Cr 0.25 % 11.74 Cr 0.38 % 17.94 Cr 0.66 % 31.13 Cr 0.64 % 29.8 Cr 0.6 % 27.48 Cr 0.49 % 22.54 Cr 0.64 % 29.76 Cr 0.9299999999999999 % 43.05 Cr 0.97 % 45.67 Cr 1.0 % 47.09 Cr 0.95 % 44.13 Cr 0.71 % 32.26 Cr 0.24 % 10.4 Cr 0.26 % 11.42 Cr 0.25 % 10.85 Cr 0.22 % 9.39 Cr 0.23 % 9.68 Cr 1.28
Textiles 0.48 % 22.99 Cr 0.49 % 23.44 Cr 0.48 % 22.54 Cr 0.44000000000000006 % 20.38 Cr 0.5 % 23.63 Cr 0.52 % 24.6 Cr 0.67 % 31.7 Cr 0.62 % 28.5 Cr 0.75 % 34.65 Cr 0.73 % 33.91 Cr 0.73 % 34.14 Cr 0.71 % 33.97 Cr 0.9 % 42.66 Cr 0.8899999999999999 % 41.63 Cr 1.15 % 52.37 Cr 0.93 % 41.09 Cr 0.96 % 42.02 Cr 0.8699999999999999 % 37.59 Cr 0.9199999999999999 % 39.65 Cr 0.8700000000000001 % 37.22 Cr 0.51
Capital Goods 0.23 % 10.82 Cr 0.25 % 12.01 Cr 0.27 % 12.52 Cr 0.26 % 12.18 Cr 0.28 % 13.27 Cr 1.33 % 62.78 Cr 1.3 % 61.03 Cr 1.34 % 61.19 Cr 1.26 % 58.47 Cr 1.24 % 57.37 Cr 1.25 % 57.89 Cr 1.19 % 56.93 Cr 1.07 % 50.42 Cr 1.08 % 50.23 Cr 1.1 % 50.12 Cr 1.14 % 50.24 Cr 1.14 % 50.19 Cr 1.16 % 50.18 Cr 1.16 % 50.11 Cr 1.17 % 49.85 Cr 4.24

Sector Allocation Vs Category

as on Dec 31, 2025

Complete Current Stock Holdings

as on Dec 31, 2025
StocksSectors% of holdingValue3m6m1Y
HDFC Bank Ltd.Financial 3.28 % 157.2 Cr3.28%3.41%3.75%
ICICI Bank Ltd.Financial 2.5 % 119.53 Cr2.5%2.82%3.11%
Infosys Ltd.Technology 2.23 % 106.8 Cr2.23%2.03%1.77%
Reliance Industries Ltd.Energy 1.8 % 86.12 Cr1.8%1.54%0.92%
ITC Ltd.Consumer Staples 1.57 % 75.23 Cr1.57%1.61%1.74%
Vedanta Ltd.Metals & Mining 1.27 % 60.81 Cr1.27%1.18%1.23%
Larsen & Toubro Ltd.Construction 1.17 % 56.19 Cr1.17%1.03%0.78%
Indus Towers Ltd.Communication 1.1 % 52.59 Cr1.1%0.92%0.97%
Wipro Ltd.Technology 1.03 % 49.22 Cr1.03%0.89%0.62%
HCL Technologies Ltd.Technology 0.96 % 46.14 Cr0.96%0.8%0.83%
Mahindra & Mahindra Ltd.Automobile 0.9 % 43.25 Cr0.9%0.88%0.7%
Maruti Suzuki India Ltd.Automobile 0.85 % 40.59 Cr0.85%1.04%0.77%
Power Grid Corporation Of India Ltd.Energy 0.85 % 40.81 Cr0.85%0.88%0.9%
Shriram Finance LtdFinancial 0.8 % 38.1 Cr0.8%0.54%0.63%
State Bank of IndiaFinancial 0.8 % 38.37 Cr0.8%0.68%--
NIIT Learning Systems Ltd.Services 0.57 % 27.51 Cr0.57%0.49%0.4%
Ajanta Pharma Ltd.Healthcare 0.57 % 27.11 Cr0.57%0.49%0.42%
Bharti Airtel Ltd.Communication 0.55 % 26.4 Cr0.55%0.58%0.77%
Bharat Petroleum Corporation Ltd.Energy 0.51 % 24.22 Cr0.51%0.44%0.26%
Grasim Industries Ltd.Materials 0.5 % 23.87 Cr0.5%0.5%--
Interglobe Aviation Ltd.Services 0.47 % 22.41 Cr0.47%0.74%0.83%
Coal India Ltd.Materials 0.47 % 22.31 Cr0.47%0.44%--
Aurobindo Pharma Ltd.Healthcare 0.46 % 21.82 Cr0.46%0.43%0.38%
Life Insurance Corporation of IndiaInsurance 0.45 % 21.55 Cr0.45%0.35%--
Emami Ltd.Consumer Staples 0.45 % 21.54 Cr0.45%0.45%0.51%
Glenmark Pharmaceuticals Ltd.Healthcare 0.43 % 20.51 Cr0.43%0.49%0.39%
The Federal Bank Ltd.Financial 0.43 % 20.38 Cr0.43%0.4%0.41%
Sundaram Finance Ltd.Financial 0.42 % 20.05 Cr0.42%0.36%0.36%
Aditya Birla Capital Ltd.Financial 0.41 % 19.42 Cr0.41%0.41%0.55%
Caplin Point Laboratories Ltd.Healthcare 0.41 % 19.77 Cr0.41%0.45%0.42%
Indusind Bank Ltd.Financial 0.4 % 19 Cr0.4%0.39%0.56%
Crompton Greaves Consumer Electricals Ltd.Consumer Discretionary 0.4 % 19.22 Cr0.4%0.32%0.4%
Oil India Ltd.Energy 0.4 % 19.38 Cr0.4%0.36%--
The Great Eastern Shipping Company Ltd.Energy 0.39 % 18.61 Cr0.39%0.39%0.5%
Nippon Life India Asset Management Ltd.Financial 0.38 % 18.36 Cr0.38%0.42%0.38%
Hero Motocorp Ltd.Automobile 0.37 % 17.69 Cr0.37%0.43%--
The Phoenix Mills Ltd.Construction 0.36 % 17.05 Cr0.36%0.31%0.48%
Max Financial Services Ltd.Financial 0.35 % 16.56 Cr0.35%0.34%0.37%
Mahindra Holidays & Resorts India Ltd.Services 0.35 % 16.78 Cr0.35%0.41%0.34%
Raymond Lifestyle Ltd.Consumer Discretionary 0.34 % 16.24 Cr0.34%0.39%0.28%
Petronet LNG Ltd.Energy 0.34 % 16.04 Cr0.34%0.12%--
GR Infraprojects Ltd.Construction 0.34 % 16.43 Cr0.34%0.4%0.36%
Indo Count Industries Ltd.Textiles 0.33 % 15.71 Cr0.33%0.32%0.31%
Motilal Oswal Financial Services Ltd.Financial 0.32 % 15.49 Cr0.32%0.35%0.34%
JK Paper Ltd.Consumer Staples 0.31 % 14.71 Cr0.31%0.42%0.49%
UPL Ltd.Chemicals 0.29 % 13.7 Cr0.29%0.24%0.2%
Tips Industries Ltd.Services 0.29 % 13.98 Cr0.29%0.27%0.28%
Tata Capital Ltd.Financial 0.28 % 13.48 Cr0.28%----
Indiamart Intermesh Ltd.Services 0.28 % 13.59 Cr0.28%0.26%0.15%
DCM Shriram Ltd.Chemicals 0.28 % 13.51 Cr0.28%0.26%--
ICICI Prudential Life Insurance Company Ltd.Insurance 0.28 % 13.18 Cr0.28%0.25%--
Mphasis Ltd.Technology 0.27 % 13.04 Cr0.27%0.27%0.26%
Indian BankFinancial 0.27 % 12.84 Cr0.27%0.43%0.47%
Marksans Pharma Ltd.Healthcare 0.26 % 12.65 Cr0.26%0.25%0.26%
Shivalik Bimetal Controls Ltd.Capital Goods 0.23 % 10.82 Cr0.23%0.27%0.23%
Colgate-Palmolive (India) Ltd.Consumer Staples 0.23 % 10.83 Cr0.23%0.25%0.23%
Tata Motors Ltd.Automobile 0.22 % 10.58 Cr0.22%----
GHCL Ltd.Chemicals 0.22 % 10.59 Cr0.22%0.25%0.21%
Bharti Airtel Ltd. - (Partly Paid up Equity Shares (Rights Issue))Communication 0.21 % ------
Rossari Biotech Ltd.Chemicals 0.17 % 8.31 Cr0.17%0.19%--
Biocon Ltd.Healthcare 0.16 % 7.69 Cr0.16%0.14%--
S.P. Apparels Ltd.Textiles 0.15 % 7.28 Cr0.15%0.16%0.17%
Bajaj Auto Ltd.Automobile 0.08 % 4.06 Cr0.08%0.31%0.53%

Complete Current Instrument Holdings

as on Dec 31, 2025
InstrumentSector% of holdingValue
GOISovereign 26.25 % 1,256 Cr
Indian Railway Finance Corporation Ltd.Financial 3.18 % 152.05 Cr
Andhra Pradesh StateFinancial 3.05 % 146.03 Cr
HDFC Bank Ltd.Financial 2.7 % 129.14 Cr
Maharashtra StateOthers 1.81 % 86.97 Cr
Rajasthan StateOthers 1.69 % 80.94 Cr
Small Industries Devp. Bank of India Ltd.Financial 1.58 % 75.87 Cr
Bajaj Finance Ltd.Financial 1.56 % 74.87 Cr
Aditya Birla Finance Ltd.Financial 1.06 % 50.61 Cr
Export-Import Bank Of IndiaFinancial 1.05 % 50.35 Cr
Power Finance Corporation Ltd.Financial 1.05 % 126.75 Cr
Tamilnadu StateOthers 1.03 % 49.53 Cr
India Universal Trust AL1Others 0.74 % 35.25 Cr
Aditya Birla Housing Finance Ltd.Financial 0.53 % 25.32 Cr
National Bank For Agriculture & Rural DevelopmentFinancial 0.53 % 25.48 Cr
LIC Housing Finance Ltd.Financial 0.53 % 25.39 Cr
Poonawalla Fincorp Ltd.Financial 0.52 % 24.92 Cr
Telangana StateFinancial 0.52 % 24.8 Cr
Chhattisgarh StateOthers 0.52 % 24.73 Cr
Shivshakti Securitisation TrustOthers 0.52 % 25.08 Cr
Axis Finance Ltd.Financial 0.52 % 24.99 Cr
Piramal Finance Ltd.Financial 0.34 % 16.04 Cr
REC Ltd.Financial 0.31 % 39.74 Cr
Haryana StateOthers 0.2 % 9.49 Cr
Axis Bank Ltd.Financial 0.1 % 5 Cr
Clearing Corporation of IndiaOthers 0.05 % 2.54 Cr

Top Stocks bought last month

StocksSectorsCurrent ValueLast Month ValueAbsolute Change
HDFC Bank Ltd. Financial157.2 Cr--286.34 Cr
ICICI Bank Ltd. Financial119.53 Cr--119.53 Cr
Infosys Ltd. Technology106.8 Cr--106.8 Cr
Reliance Industries Ltd. Energy86.12 Cr--86.12 Cr
ITC Ltd. Consumer Staples75.23 Cr--75.23 Cr

Top Stocks sold last month

StocksSectorsCurrent ValueLast Month ValueAbsolute Change
Tata Motors Ltd. Automobile10.58 Cr--10.58 Cr
Rossari Biotech Ltd. Chemicals8.31 Cr--8.31 Cr
Biocon Ltd. Healthcare7.69 Cr--7.69 Cr
S.P. Apparels Ltd. Textiles7.28 Cr--7.28 Cr
Bajaj Auto Ltd. Automobile4.06 Cr--4.06 Cr