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 Hybrid |
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| NAV | ₹49.32 (as of 2026-10-01) |
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| AUM | ₹4,699 Cr |
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| Expense ratio | 1.36% |
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| Riskometer | Moderately High |
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| Fund manager | V Srivatsa |
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| Exit load | 1% for redemption within 1 year |
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Performance & risk
| 5-year annualised return | 7.68% |
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| Sharpe ratio | 0.46 |
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| Standard deviation | 6.67% |
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| Max drawdown | −30.01% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 51.1% of Nifty 500's upside and 34.4% of its downside.
Market cap allocation
| Large cap | 65.6% |
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| Mid cap | 17.9% |
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| Small cap | 16.5% |
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Concentration
| Top 5 holdings | 12.2% |
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| Top 10 holdings | 17.7% |
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| Total holdings | 60 |
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Top holdings
- NET CURRENT ASSETS — 14.7%
- 07.18% GSEC MAT -24/07/2037 — 6.8%
- ICICI Bank Ltd. — 3.2%
- HDFC Bank Ltd. — 3.1%
- 7.24% GSEC MAT- 18/08/2055 — 3.1%
- 07.32% GSEC MAT -13/11/2030 — 3.1%
- Reliance Industries Ltd — 2.1%
- Infosys Ltd — 2.1%
- MF UNITS UTI - FLOATER FUND — 1.7%
- Larsen & Toubro Limited — 1.6%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −3.2% | Q2 | #5 of 9 |
| 2025 | 6.1% | Q2 | #4 of 9 |
| 2024 | 14.5% | Q2 | #5 of 9 |
| 2023 | 16.7% | Q4 (Bottom) | #7 of 8 |
| 2022 | 5.3% | Q1 (Top) | #2 of 8 |