Mutual Funds

UTI Retirement Fund
Other | High | Solution Oriented - Retirement Fund - Debt

48.92 +0.06
NAV(₹) as on 20/3/2026

0.13%
1D

3.40%
1Y

11.19%
3Y

10.32%
5Y

UTI Retirement Fund
Growth Chart of the Scheme

Scheme Details
Expense Ratio: 1.69	Launch Date: 27 Dec 1994
Exit Load: 1% upto 1Y, Nil on or after 1Y	AUM: ₹ 4,732.16 Crs
Lock-in: 5 Year	Investing Style: Small Growth
Portfolio Price To Book Value: NA	Min. Investment: SIP : ₹ 500.00 Lumpsum : ₹ 500.00
Scheme Benchmark: NA
Fund Manager: V. Srivatsa ,Anurag Mittal

FUND OBJECTIVE

The investment objective of the scheme is primarily 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.However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.

LATEST ASSET & PORTFOLIO ALLOCATION		Others		Equity		Debt
as on 28/2/2026		3.46 %		36.76 %		59.78 %

TOP HOLDINGS

07.18% GOI - 24-Jul-2037

6.85 %

06.68% GOI - 07-Jul-2040

4.09 %

07.32% GOI - 13-Nov-2030

3.08 %

HDFC Bank Ltd.

2.98 %

HDFC Bank Ltd. SR-AB002 7.97% (17-Feb-2033)

2.72 %

07.24% GOI - 18-Aug-2055

2.61 %

06.48% GOI 06-Oct-2035

2.61 %

ICICI Bank Ltd.

2.59 %

06.33% GOI - 05-May-2035

2.59 %

07.10% GOI - 08-Apr-2034

2.28 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

Bank - Private

6.45 %

IT - Software

4.43 %

Pharmaceuticals & Drugs

2.43 %

Refineries

1.85 %

Engineering - Construction

1.77 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

9.36 (in years)

5.95 (in years)

7.17 %

5 YEAR HISTORY

Financial Year	2021-22	2022-23	2023-24	2024-25	2025-26
NAV (20/3/2026)	141.59	147.84	179.19	196.36	201.67
Net Assets (Rs Crores)	3,60,888.30	3,70,879.65	4,34,006.54	4,56,429.77	4,73,215.59
Scheme Returns(%)(Absolute)	13.53	3.80	20.98	9.21	3.04
B'mark Returns(%)(Absolute)	NA	NA	NA	NA	NA
Category Rank	9/26	8/27	16/28	3/30	10/30

RISKOMETER
Level of Risk in the Scheme

Clients will understand that their principal will be at High risk.

PERFORMANCE COMPARISON WITH SIMILAR SCHEMES

Fund Details	Inception Date	Aum(₹ Crs)	1Y	3Y	5Y	Since Inception
Aditya Birla SL Retirement Fund-50 Plus-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 13.42 +-0.01	11/3/2019	₹ 16.2	3.84%	5.14%	4.20%	4.27%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 15.37 +-0.01	27/2/2019	₹ 84.55	4.35%	6.12%	5.16%	6.27%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.06 +-0.10	10/2/2021	₹ 162.07	2.14%	7.34%	7.01%	6.91%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 19.80 +-0.14	11/2/2015	₹ 145.54	1.07%	7.37%	5.89%	6.34%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.41 +-0.15	25/2/2016	₹ 160.34	3.04%	7.75%	6.99%	7.85%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.06 +-0.25	8/11/2011	₹ 168.49	3.09%	7.77%	5.86%	8.20%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.61 +-0.10	11/3/2019	₹ 26.58	4.89%	8.10%	5.49%	5.54%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.00 +-0.18	10/2/2021	₹ 269.17	1.18%	8.25%	8.46%	8.26%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.65 +-0.13	20/12/2019	₹ 49.85	2.18%	9.19%	6.37%	7.43%
Franklin India Retirement Fund(G) Solution Oriented - Retirement Fund - Debt \| High \| 212.17 +0.12	30/4/1997	₹ 508.16	2.05%	9.21%	7.40%	11.11%

Mutual Funds

ALLOCATION BY SECTOR

TOP STOCKS HOLDINGS