Mutual Funds
UTI Retirement Fund
Other  |   Moderately High  |   Solution Oriented - Retirement Fund - Debt
48.95   -0.21
NAV(₹) as on 23/10/2026 		-0.43%
  1D 		-2.59%
  1Y 		7.61%
  3Y 		7.17%
  5Y
UTI Retirement Fund
Growth Chart of the Scheme

Scheme Details
Expense Ratio:
1.63 		Launch Date:
27 Dec 1994
Exit Load:
1% upto 1Y, Nil on or after 1Y 		AUM:
₹ 4,578.02 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 30/9/2026 18.00 % 36.71 % 45.30 %
TOP HOLDINGS

Net Current Asset
14.28 %

07.18% GOI - 24-Jul-2037
6.20 %

HDFC Bank Ltd.
3.19 %

07.24% GOI - 18-Aug-2055
3.11 %

07.32% GOI - 13-Nov-2030
3.11 %

ICICI Bank Ltd.
2.96 %

Reliance Industries Ltd.
2.12 %

Export-Import Bank Of India -182D (12-Mar-2027)
2.12 %

Infosys Ltd.
1.96 %

MF UNITS UTI - FLOATER FUND
1.75 %

See All Holding
ALLOCATION BY MARKET CAP (Equity)
ALLOCATION BY RATING (Debt & Others)
ALLOCATION BY SECTOR

Bank - Private
6.76 %

IT - Software
3.13 %

Pharmaceuticals & Drugs
2.62 %

Refineries
2.12 %

Engineering - Construction
1.91 %

See All Sectors
PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

5.56 (in years)

3.46 (in years)

6.99 %

5 YEAR HISTORY

Financial Year 2021-22 2022-23 2023-24 2024-25 2025-26
NAV (31/3/2026) 141.59 147.84 179.19 196.36 197.33
Net Assets (Rs Crores) 3,60,888.30 3,70,879.65 4,34,006.54 4,56,429.77 4,47,556.70
Scheme Returns(%)(Absolute) 13.53 3.80 20.98 9.21 0.82
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 Moderately High risk.

PERFORMANCE COMPARISON WITH SIMILAR SCHEMES

Fund Details Inception Date Aum(₹ Crs) 1Y 3Y 5Y Since Inception
MDB Logo
Aditya Birla SL Retirement Fund-50 Plus-Debt Plan-Reg(G)
Solution Oriented - Retirement Fund - Debt  |   Moderate |  13.49   +-0.01  
11/3/2019 ₹ 13.55 1.27% 4.47% 3.67% 4.01%
MDB Logo
HDFC Retirement Fund-Hybrid-Debt Plan-Reg(G)
Solution Oriented - Retirement Fund - Debt  |   Moderately High |  21.28   +-0.05  
25/2/2016 ₹ 142.62 -2.54% 5.14% 5.43% 7.34%
MDB Logo
ICICI Pru Retirement Fund-Pure Debt Plan(G)
Solution Oriented - Retirement Fund - Debt  |   Moderately High |  15.54   +-0.02  
27/2/2019 ₹ 79.47 1.80% 5.24% 4.71% 5.93%
MDB Logo
Nippon India Retirement Fund-Income Generation(G)
Solution Oriented - Retirement Fund - Debt  |   Moderately High |  19.67   +-0.03  
11/2/2015 ₹ 138.31 -3.44% 5.27% 4.58% 5.95%
MDB Logo
Axis Retirement Fund-Conservative Plan-Reg(G)
Solution Oriented - Retirement Fund - Debt  |   High |  15.36   +-0.04  
20/12/2019 ₹ 44.7 -4.88% 5.48% 3.96% 6.47%
MDB Logo
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G)
Solution Oriented - Retirement Fund - Debt  |   Moderately High |  15.36   +-0.03  
10/2/2021 ₹ 247.94 -2.24% 5.59% 6.33% 7.82%
MDB Logo
Tata Retirement Sav Fund - Cons Plan(G)
Solution Oriented - Retirement Fund - Debt  |   Moderately High |  31.57   +-0.18  
8/11/2011 ₹ 165.48 -1.42% 5.65% 4.66% 7.98%
MDB Logo
SBI Retirement Benefit Fund-Conservative Plan-Reg(G)
Solution Oriented - Retirement Fund - Debt  |   Moderate |  14.37   +-0.02  
10/2/2021 ₹ 137.53 -0.39% 5.66% 6.02% 6.57%
MDB Logo
Franklin India Retirement Fund(G)
Solution Oriented - Retirement Fund - Debt  |   Moderately High |  212.26   +-0.53  
30/4/1997 ₹ 479.34 -4.28% 6.00% 5.56% 10.88%
MDB Logo
Aditya Birla SL Retirement Fund-50-Reg(G)
Solution Oriented - Retirement Fund - Debt  |   Moderately High |  14.73   +-0.04  
11/3/2019 ₹ 26.62 -0.44% 6.06% 5.09% 5.21%