UTI Retirement Fund Direct

Hybrid
Balanced Hybrid
High Risk
5Y Lock In
01234567890123456789.01234567890123456789%
3Y annualised
-0.32% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 02 Apr 2025₹51.51
Min. SIP amount₹500
RatingNA
Fund size₹4,424.75Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
1 year
3 years
5 years
Total investment of ₹60,000
Would have become ₹61,137 (+1.90%)

Holdings (97)

NameSectorInstrumentAssets
SovereignGOI Sec12.76%
SovereignGOI Sec7.44%
SovereignGOI Sec5.89%
GOI
SovereignGOI Sec5.00%
FinancialEquity3.87%
GOI
SovereignGOI Sec3.58%
FinancialEquity2.92%
HDFC Bank Ltd.
FinancialDebenture2.90%
GOI
SovereignGOI Sec2.27%
GOI
SovereignGOI Sec2.26%
Small Industries Devp. Bank of India Ltd.
FinancialBonds/NCD2.25%
TechnologyEquity1.96%
GOI
SovereignGOI Sec1.74%
FinancialFixed Deposits1.72%
Consumer StaplesEquity1.68%
FinancialFRB1.15%
Capital GoodsDebenture1.14%
Indian Railway Finance Corporation Ltd.
FinancialNCD1.14%
Power Finance Corporation Ltd.
FinancialBonds1.12%
Metals & MiningEquity1.08%
Andhra Pradesh State
FinancialSDL1.03%
TechnologyEquity0.94%
CommunicationEquity0.92%
EnergyEquity0.89%
FinancialEquity0.88%
FinancialEquity0.84%
ConstructionEquity0.82%
AutomobileEquity0.82%
EnergyEquity0.80%
FinancialEquity0.80%
CommunicationEquity0.79%
Tamilnadu State
OthersSDL0.75%
EnergyEquity0.75%
India Universal Trust AL1
OthersSecuritised Debt0.66%
AutomobileEquity0.66%
ServicesEquity0.63%
TechnologyEquity0.63%
FinancialNCD0.58%
Kerala State
OthersSDL0.57%
LIC Housing Finance Ltd.
FinancialDebenture0.57%
National Bank For Agriculture & Rural Development
FinancialDebenture0.57%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.57%
Union Bank of India
FinancialAdditional Tier 2 Bo0.56%
FinancialBonds/NCD0.55%
India Universal Trust AL1
OthersSecuritised Debt0.51%
AutomobileEquity0.50%
InsuranceEquity0.50%
ConstructionEquity0.46%
AutomobileEquity0.45%
FinancialEquity0.45%
Consumer StaplesEquity0.45%
EnergyEquity0.43%
HealthcareEquity0.43%
FinancialEquity0.41%
HealthcareEquity0.41%
ServicesEquity0.41%
HealthcareEquity0.39%
Consumer StaplesEquity0.38%
CommunicationEquity0.38%
FinancialEquity0.37%
Consumer DiscretionaryEquity0.37%
FinancialEquity0.37%
FinancialDebenture0.37%
ServicesEquity0.35%
FinancialEquity0.35%
ConstructionEquity0.34%
Mankind Pharma Ltd.
HealthcareBonds/Deb0.34%
ChemicalsEquity0.34%
TextilesEquity0.33%
HealthcareEquity0.33%
Metals & MiningEquity0.32%
FinancialEquity0.30%
Metals & MiningEquity0.30%
AutomobileEquity0.29%
FinancialEquity0.28%
ServicesEquity0.27%
HealthcareEquity0.27%
Consumer StaplesEquity0.27%
ConstructionEquity0.27%
ConstructionEquity0.26%
Consumer StaplesEquity0.25%
HealthcareEquity0.25%
TechnologyEquity0.24%
ChemicalsEquity0.21%
Capital GoodsEquity0.20%
TextilesEquity0.18%
CommunicationPPE0.17%
ServicesEquity0.15%
TextilesEquity0.14%
Axis Bank Ltd.
FinancialST Dep.0.11%
NAMutual Fund0.11%
NAMutual Fund0.11%
NAMutual Fund0.10%
EnergyEquity0.06%
Clearing Corporation of India
OthersST Dep.0.01%
Maharashtra State
OthersSDL0.00%
TechnologyEquity0.00%
See All

Minimum investment amounts

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

Returns and rankings

Category: Hybrid Balanced Hybrid
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns9.6%11.9%17.1%10.5%
Category average7.8%9.6%13.8%NA
Rank with in category311NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 1.04%

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

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
NA
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,

Pros and cons

Category: Hybrid Balanced Hybrid

Pros

Consistently top ranked fund
Lower expense ratio: 1.04%
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: 3.01 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

Compare funds

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MONTHLY SIP
ONE-TIME
SIP Amount
₹
Monthly SIP Date
1st
Next SIP instalment on 02 of Apr
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