Mutual Funds

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

49.3 +0.07
NAV(₹) as on 5/9/2025

0.14%
1D

1.84%
1Y

11.64%
3Y

13.36%
5Y

UTI Retirement Fund
Growth Chart of the Scheme

Scheme Details
Expense Ratio: 1.65	Launch Date: 27 Dec 1994
Exit Load: 1% upto 1Y, Nil on or after 1Y	AUM: ₹ 4,632.34 Crs
Lock-in: 5 Year	Investing Style: Small Growth
Portfolio Price To Book Value: NA	Min. Investment: SIP : ₹ 500.0 Lumpsum : ₹ 500.0
Scheme Benchmark: NA
Fund Manager: V. Srivatsa ,Sunil Patil

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 31/8/2025		4.96 %		37.38 %		57.66 %

TOP HOLDINGS

07.18% GOI - 24-Jul-2037

8.10 %

06.33% GOI - 05-May-2035

5.40 %

07.32% GOI - 13-Nov-2030

3.71 %

06.92% GOI 18-Nov-2039

3.65 %

HDFC Bank Ltd.

3.50 %

07.41% GOI - 19-Dec-2036

3.31 %

ICICI Bank Ltd.

3.10 %

Net Current Asset

2.89 %

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

2.80 %

07.10% GOI - 08-Apr-2034

2.33 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

Bank - Private

8.07 %

IT - Software

4.59 %

Pharmaceuticals & Drugs

2.72 %

Refineries

1.82 %

Automobiles - Passenger Cars

1.80 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

8.76 (in years)

5.86 (in years)

7.00 %

5 YEAR HISTORY

Financial Year	2020-21	2021-22	2022-23	2023-24	2024-25
NAV (31/3/2025)	124.02	141.59	147.84	179.19	196.36
Net Assets (Rs Crores)	3,23,397.4	3,60,888.3	3,70,879.65	4,34,006.54	4,56,429.77
Scheme Returns(%)(Absolute)	34.69	13.53	3.80	20.98	9.21
B'mark Returns(%)(Absolute)	NA	NA	NA	NA	NA
Category Rank	13/29	9/26	8/27	16/28	3/30

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 \| 13.23 +0.01	11/3/2019	₹ 17.26	5.43%	5.32%	3.91%	4.40%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 15.14 +0.02	27/2/2019	₹ 99.57	6.56%	6.34%	5.16%	6.56%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.64 +0.02	8/11/2011	₹ 175.12	2.53%	8.12%	7.64%	8.67%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.58 +0.01	11/3/2019	₹ 26.38	4.72%	8.19%	5.56%	5.98%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.20 +0.01	10/2/2021	₹ 174.53	3.76%	8.32%	-	7.97%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.82 +0.02	20/12/2019	₹ 54.91	0.92%	8.50%	8.59%	8.35%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 20.10 +0.04	11/2/2015	₹ 150.54	2.87%	8.51%	7.07%	6.83%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.52 +0.01	25/2/2016	₹ 159.59	2.80%	8.58%	8.53%	8.37%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.41 +0.00	10/2/2021	₹ 280.9	1.17%	9.34%	-	9.92%
Franklin India Retirement Fund(G) Solution Oriented - Retirement Fund - Debt \| High \| 217.98 +0.03	30/4/1997	₹ 513.36	2.92%	10.37%	10.16%	11.44%

Mutual Funds

ALLOCATION BY SECTOR

TOP STOCKS HOLDINGS