UTI Retirement Fund Direct

Hybrid
Balanced Hybrid
High Risk
5Y Lock In
13.18%
3Y annualised
+0.19% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 13 Dec 2024₹52.50
Min. SIP amount₹500
RatingNA
Fund size₹4,752.27Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Returns and rankings

Category: Hybrid Balanced Hybrid
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns19.3%13.2%14.8%11.0%
Category average17.7%10.6%11.6%NA
Rank with in category311NA
Understand terms

Holdings (98)

NameSectorInstrumentAssets
SovereignGOI Sec13.57%
SovereignGOI Sec7.11%
GOI
SovereignGOI Sec6.71%
SovereignGOI Sec5.61%
GOI
SovereignGOI Sec4.75%
FinancialEquity3.82%
HDFC Bank Ltd.
FinancialDebenture3.33%
FinancialEquity3.00%
GOI
SovereignGOI Sec2.24%
TechnologyEquity2.20%
Consumer StaplesEquity1.93%
FinancialFixed Deposits1.64%
TechnologyEquity1.14%
FinancialFRB1.10%
FinancialDebenture1.10%
Kerala State
OthersSDL1.09%
ConstructionEquity1.09%
Indian Railway Finance Corporation Ltd.
FinancialNCD1.09%
Capital GoodsDebenture1.09%
Andhra Pradesh State
FinancialSDL0.98%
EnergyEquity0.95%
Metals & MiningEquity0.93%
CommunicationEquity0.92%
Tamilnadu State
OthersSDL0.72%
FinancialEquity0.71%
FinancialEquity0.70%
India Universal Trust AL1
OthersSecuritised Debt0.64%
TechnologyEquity0.62%
AutomobileEquity0.60%
FinancialEquity0.60%
CommunicationEquity0.58%
India Universal Trust AL1
OthersSecuritised Debt0.58%
HealthcareEquity0.57%
EnergyEquity0.57%
FinancialNCD0.55%
FinancialDebenture0.55%
InsuranceEquity0.55%
LIC Housing Finance Ltd.
FinancialDebenture0.54%
AutomobileEquity0.54%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.54%
National Bank For Agriculture & Rural Development
FinancialDebenture0.54%
Shriram Finance Ltd
FinancialDebenture0.54%
Union Bank of India
FinancialAdditional Tier 2 Bo0.54%
ServicesEquity0.53%
FinancialBonds/NCD0.53%
FinancialEquity0.52%
ConstructionEquity0.49%
EnergyEquity0.48%
EnergyEquity0.48%
HealthcareEquity0.47%
FinancialEquity0.47%
AutomobileEquity0.46%
AutomobileEquity0.46%
FinancialEquity0.45%
Consumer DiscretionaryEquity0.43%
HealthcareEquity0.43%
FinancialEquity0.43%
FinancialEquity0.42%
ServicesEquity0.42%
ConstructionEquity0.42%
Consumer StaplesEquity0.41%
ServicesEquity0.41%
Consumer StaplesEquity0.40%
ServicesEquity0.39%
CommunicationEquity0.38%
HealthcareEquity0.38%
ServicesEquity0.37%
ChemicalsEquity0.36%
FinancialEquity0.36%
Metals & MiningEquity0.36%
TechnologyEquity0.36%
HealthcareEquity0.35%
ChemicalsEquity0.35%
FinancialDebenture0.34%
Consumer StaplesEquity0.33%
TextilesEquity0.33%
TechnologyEquity0.33%
Mankind Pharma Ltd.
HealthcareBonds/Deb0.32%
FinancialEquity0.32%
ConstructionEquity0.31%
ConstructionEquity0.31%
HealthcareEquity0.30%
FinancialEquity0.27%
HealthcareEquity0.26%
TextilesEquity0.22%
Metals & MiningEquity0.21%
CommunicationPPE0.20%
TextilesEquity0.18%
EnergyEquity0.15%
Capital GoodsEquity0.15%
Reserve Bank of India
FinancialT-Bills0.12%
NAMutual Fund0.11%
NAMutual Fund0.10%
InsuranceEquity0.09%
NAMutual Fund0.09%
Clearing Corporation of India
OthersCP0.02%
Maharashtra State
OthersSDL0.00%
TechnologyEquity0.00%
See All

Pros and cons

Category: Hybrid Balanced Hybrid

Pros

Consistently top ranked fund
Lower expense ratio: 1.03%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
Consistently higher annualised returns than category average for the past 1Y, 3Y, 5Y and 10Y
Higher alpha: 3.39 The fund has generated returns higher than benchmark - CRISIL Short Term Debt Hybrid 60+40 Index - in the last 3Y

Cons

Lock-in period: 5Y

Expense ratio, exit load and tax

Expense ratio: 1.03%

Inclusive of GST

Exit load

Exit load of 1%, if redeemed within 1 year.

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

NA

Understand terms
Check past data

Minimum investment amounts

Min. for 1st investment₹500
Min. for 2nd investment onwards₹500
Min. for SIP₹500

Fund management

V Srivatsa
Jan 2013 - Present
View details

Education
Mr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore.
Experience
Prior to joining UTI Mutual Fund in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.
Also manages these schemes

Sunil Madhukar Patil
Dec 2021 - Present
View details

Education
Mr. Patil is MMF, Finance
Experience
He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
UTI Tower, Plot C-1, GN Block,Banrda Kurla Complex, Bandra (East) Mumbai 400051
Phone
0263 2296993
Launch Date
14 Nov 2002
E-mail
NA
UTI Mutual Fund
Asset Management Company
Custodian
Stock Holding Corp. of India Ltd.
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,

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