UTI Retirement Fund

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

The UTI Retirement Fund is a 31 yrs 1 m old fund and has delivered average annual returns of 10.68% since inception. UTI Retirement Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.8% 11.54% 10.99% 9.87% 10.68%

Q: How much does this mutual fund charge as expense ratio?

The UTI Retirement Fund has an expense ratio of 1.68% , 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.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹50.168-0.5% 1 day change	10.68% p.a.	App exclusive #NA View Ranked Funds	₹4,789 Cr

Historical NAV & returns

NAV: ₹50.168 as on Feb 02, 2026

This fund Category average

UTI Retirement Fund overview

AUM (Fund size)	₹4,789 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 1 year.!
Lock-in Period	5 Years
Age	31 yrs 1 m since Dec 26, 1994
Benchmark	CRISIL Short Term Debt Hybrid 60+40 Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.68% as on Feb 02, 2026
Plan type	Regular
Risk	High

UTI Retirement Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-1.58%	-2.31%
3 Months	-0.49%	-2.24%
6 Months	1.1%	-0.17%
1 Year	5.8%	5.75%
2 Years	8.45%	7.98%
3 Years	11.54%	11.23%
4 Years	9.73%	8.77%
5 Years	10.99%	8.98%
7 Years	10.19%	9.6%
10 Years	9.87%	9.7%

Asset allocationas on Dec 31, 2025

Large Cap 24.17%

Mid Cap 7.31%

Small Cap 6.39%

Other Cap 0%

Top holdings

HDFC Bank Ltd.3.28%

ICICI Bank Ltd.2.5%

Infosys Ltd.2.23%

Reliance Industries Ltd.1.8%

Top sectors

Financial 10.64%

Technology 4.49%

Energy 4.29%

Consumer Staples 2.56%

SOV 35.2705401%

AAA 16.89860229%

Cash & Call Money 5.94794974%

Term Deposits 1.60164142%

Top Debt Holdings

GOI 26.25%

Indian Railway Finance Corporation Ltd. 3.18%

Andhra Pradesh State 3.05%

HDFC Bank Ltd. 2.7%

Allocation by Instruments

GOI Securities 26.247309939999997%

State Development Loan 8.82362516%

Debenture 6.71520559%

Net Current Assets 5.94376974%

Other Holdings

Others 5.94%

Knowledge Realty Trust 0.45%

Mindspace Business Parks REIT 0.37%

IRB InvIT Fund 0.29%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Retirement Fund	-1.58%	1.1%	5.8%	11.54%	10.99%	9.87%
HDFC Retirement Savings Fund - Hybrid Equity Plan	-3.55%	-0.02%	5.65%	13.4%	12.89%	14.39%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	-0.87%	2.96%	9.03%	11.3%	8.05%	5.95%
HDFC Retirement Savings Fund - Hybrid Debt Plan	-1.18%	0.47%	4.81%	8.18%	7.33%	8.05%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	-3.77%	2.95%	13.0%	21.19%	15.76%	10.23%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Retirement Fund	5.6	0.62	0.96	1.41
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.58	0.78	0.86	1.29
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.04	0.97	1.21	1.63
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.45	0.87	0.61	0.95
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.33	1.1	1.15	1.65

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Retirement Fund	N.A.	4,789 Cr	31 yrs 1 m	1.68%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,744 Cr	9 yrs 11 m	2.07%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	90 Cr	6 yrs 11 m	2.12%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	161 Cr	9 yrs 11 m	2.16%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	6 yrs 11 m	2.15%

View all Retirement Solutions funds

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

Alpha	1.1 vs. 3.23 Underperformed at beating benchmark
Sharpe	0.96 vs. 3.15 Poor risk-adjusted returns
Beta	0.62 vs. 0.84 Less sensitive to market ups & downs
Standard deviation	5.6 vs. 6.19 More stable returns

Compare UTI Retirement Fund in detail with

About this fund

About UTI Retirement Fund

UTI Retirement Fund is a Retirement Solutions mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 31 yrs 1 m, having been launched on 26/12/1994. UTI Retirement Fund has ₹4,789 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Retirement Fund as of 02/02/2026 is ₹50.17. The fund has an expense ratio of 1.68%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 37.87% allocation to equity and 54.79% to Debt.

UTI Retirement Fund returns of last 1-year are 5.57%. Since launch, it has delivered 10.29% average annual returns. The fund has doubled the money invested in it every 6 yrs.
UTI Retirement Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's equity portion is primarily invested in Financial, Technology, Energy, Construction, Consumer Staples sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top 5 holdings are in GOI, HDFC Bank Ltd., Indian Railway Finance Corporation Ltd., Andhra Pradesh State, ICICI Bank Ltd..

...

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

Fund managers

V Srivatsa

Mr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore. Prior to joining UTI Mutual Fund in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.

Sunil Madhukar Patil

Mr. Patil is MMF, Finance He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.

Anurag Mittal

Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science. Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).

Investment objective

The scheme seeks to generate a corpus to provide for pension in the form of periodical income / cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments.

UTI Mutual Fund details

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

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
UTI Aggressive Hybrid Fund	N.A.	6,758 Cr	6.74%	14.95%
UTI Multi Asset Allocation Fund	N.A.	6,720 Cr	9.86%	14.22%
UTI Equity Savings Fund	N.A.	810 Cr	7.36%	9.7%
UTI Conservative Hybrid Fund	N.A.	1,703 Cr	4.82%	8.61%
UTI Arbitrage Fund	N.A.	10,465 Cr	6.41%	5.93%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of UTI Retirement Fund?

The current Net Asset Value (NAV) of the UTI Retirement Fund plan is approximately ₹50.168 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The UTI Retirement Fund is a 31 yrs 1 m old fund and has delivered average annual returns of 10.68% since inception.

UTI Retirement Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.8%	11.54%	10.99%	9.87%	10.68%

How much does this mutual fund charge as expense ratio?

The UTI Retirement Fund has an expense ratio of 1.68%, 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.

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

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

What are the top stock holdings of UTI Retirement Fund?

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%

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

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

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%

To whom does UTI Retirement Fund lend to?

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%

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

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

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

What is risk level of UTI Retirement Fund?

This is a Retirement Solutions fund comes with High risk.

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

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

How can I redeem my investments in UTI Retirement Fund?

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.

ET Money rank

App exclusive

in Retirement Solutions

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 10 Years.
Chance: This fund has generated a 8.3% 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.