UTI Retirement Fund
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.
Growthvine rating: 5/5 — ranked #1 of 11 in category.
Fund basics
| Category | Solution: Retirement Debt |
|---|---|
| NAV | ₹50.20 (as of 2026-09-11) |
| AUM | ₹4,725 Cr |
| Expense ratio | 1.37% |
| Riskometer | Moderately High |
| Fund manager | V Srivatsa |
| Exit load | 1% for redemption within 1 year |
Performance & risk
| 5-year annualised return | 8.82% |
|---|---|
| Sharpe ratio | 0.48 |
| Standard deviation | 6.65% |
| Max drawdown | -30.01% |
| Alpha | 0 |
| Beta | 0 |
Over 5 years, captured 51.4% of Nifty 500's upside and 33.9% of its downside.
Market cap allocation
Concentration
Top holdings
Not disclosed.
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|---|---|---|
| 2026 (partial) | -1.5% | Q4 (Bottom) | #10 of 11 |
| 2025 | 6.1% | Q1 (Top) | #2 of 11 |
| 2024 | 14.5% | Q1 (Top) | #1 of 11 |
| 2023 | 16.7% | Q1 (Top) | #1 of 11 |
| 2022 | 5.3% | Q1 (Top) | #1 of 11 |