Stocks
Invest in Stocks
Invest in stocks, ETFs, IPOs with fast orders. Track returns on your stock holdings and view real-time P&L on your positions.
F&O
Mutual Funds
Invest in Mutual Funds
Invest in direct mutual funds at zero charges via lump sump investments or SIPs
UTI Retirement Fund Direct
+10.02%
3Y annualised
-0.25% 1D
NAV: 10 Jun '26
₹53.49
Min. for SIP
₹500
Fund size (AUM)
₹4,607.75 Cr
Expense ratio
1.17%
Rating
--
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹59,628 | -0.62% | |
| 3 years | ₹1,80,000 | ₹1,96,067 | +8.93% | |
| 5 years | ₹3,00,000 | ₹3,71,809 | +23.94% | |
| 10 years | ₹6,00,000 | ₹9,87,308 | +64.55% |
Holdings (139)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.83% |
| Net Current Assets | Unspecified | Net Current Assets | 3.63% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 3.46% |
| GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100 | Entities | GOI Securities | 3.10% |
| HDFC BANK LIMITED SR AB002 7.97 NCD 17FB33 FVRS1LAC | Financial | Debenture | 2.72% |
| HDFC Bank Ltd | Financial | Equity | 2.64% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 2.59% |
| ICICI Bank Ltd | Financial | Equity | 2.43% |
| Infosys Ltd | Technology | Equity | 1.73% |
| POWER FINANCE CORPORATION LTD. SR BS233C 7.60 BD 25AG33 FVRS1LAC | Financial | Fixed Deposits | 1.61% |
| GOVERNMENT OF INDIA 36204 GOI 14JL32 6.28 FV RS 100 | Entities | GOI Securities | 1.57% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 1.53% |
| Larsen & Toubro Ltd | Industrials | Equity | 1.50% |
| ITC Ltd | Consumer Staples | Equity | 1.30% |
| Power Grid Corporation of India Ltd | Energy & Utilities | Equity | 1.24% |
| STATE DEVELOPMENT LOAN 36532 RAJ 24SP35 7.32 FV RS 100 | Unspecified | State Development Loan | 1.20% |
| Bharti Airtel Ltd | Technology | Equity | 1.15% |
| STATE DEVELOPMENT LOAN 37040 WB 04FB43 7.73 FV RS 100 | Unspecified | State Development Loan | 1.12% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC | Financial | Non Convertible Debenture | 1.08% |
| ADITYA BIRLA FINANCE LIMITED SR L1 7.9413 NCD 07AG28 FVRS1LAC | Financial | Debenture | 1.08% |
| STATE DEVELOPMENT LOAN 37266 AP 25MR46 7.88 FV RS 100 | Financial | State Development Loan | 1.08% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.42 BD 12MR29 FVRS1LAC | Financial | Bonds/NCDs | 1.07% |
| EXPORT IMPORT BANK OF INDIA SR AA 03 7.12 BD 27JU30 FVRS1LAC | Financial | Bonds | 1.07% |
| STATE DEVELOPMENT LOAN 37097 KER 18FB39 7.66 FV RS 100 | Unspecified | State Development Loan | 1.07% |
| STATE DEVELOPMENT LOAN 37106 WB 18FB44 7.74 FV RS 100 | Unspecified | State Development Loan | 1.07% |
| BAJAJ FINANCE LIMITED NCD 7.38 28JU30 FVRS1LAC | Financial | Debenture | 1.06% |
| STATE DEVELOPMENT LOAN 37093 HAR 18FB45 7.73 FV RS 100 | Unspecified | State Development Loan | 1.06% |
| GOVERNMENT OF INDIA 35152 GOI 18NV39 6.92 FV RS 100 | Entities | GOI Securities | 1.05% |
| POWER FINANCE CORPORATION LIMITED SR 245A 7.24 BD 15JN35 FVRS1LAC | Financial | Bonds | 1.05% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 188 7.17 BD 27AP35 FVRS1LAC | Financial | Non Convertible Debenture | 1.04% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 1.04% |
| STATE DEVELOPMENT LOAN 36036 AP 04JU36 6.82 FV RS 100 | Financial | State Development Loan | 1.02% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 28JAN27 | Financial | Certificate of Deposit | 1.02% |
| STATE DEVELOPMENT LOAN 37031 MP 04FB43 7.68 FV RS 100 | Unspecified | State Development Loan | 1.02% |
| Wipro Ltd | Technology | Equity | 0.99% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 0.94% |
| State Bank of India | Financial | Equity | 0.83% |
| STATE DEVELOPMENT LOAN 30813 WB 29SP36 6.99 FV RS 100 | Unspecified | State Development Loan | 0.82% |
| Indus Towers Ltd | Technology | Equity | 0.81% |
| Mahindra & Mahindra Ltd | Consumer Discretionary | Equity | 0.78% |
| HCL Technologies Ltd | Technology | Equity | 0.77% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.77% |
| Life Insurance Corporation of India | Financial | Equity | 0.67% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.66% |
| Aurobindo Pharma Ltd | Healthcare | Equity | 0.60% |
| India Universal Trust AL1 Sec. Debt 8.20 20/09/2030 | Unspecified | Securitised Debt | 0.58% |
| Uttar Pradesh State Government Securities (20/03/2036) | Unspecified | State Development Loan | 0.57% |
| Tata Power Company Ltd | Energy & Utilities | Equity | 0.56% |
| Coal India Ltd | Materials | Equity | 0.55% |
| Emami Ltd | Consumer Staples | Equity | 0.55% |
| NIIT Learning Systems Ltd | Consumer Staples | Equity | 0.55% |
| L I C Housing Finance Ltd NCD | Financial | Non Convertible Debenture | 0.54% |
| RURAL ELECTRIFICATION CORPORATION LIMITED SR 211 6.23 BD 31OT31 FVRS10LAC | Financial | Bonds/NCDs | 0.54% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 168 B 7.65 BD 18AP33 FVRS1LAC | Financial | Non Convertible Debenture | 0.54% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC | Financial | Debenture | 0.54% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 178 7.46 BD 18JU29 FVRS1LAC | Financial | Non Convertible Debenture | 0.54% |
| ADITYA BIRLA HOUSING FINANCE LIMITED SR I1 7.8461 NCD 10MR28 FVRS1LAC | Financial | Non Convertible Debenture | 0.54% |
| POONAWALLA FINCORP LIMITED SR E1 7.52 NCD 25FB28 FVRS1LAC | Financial | Non Convertible Debenture | 0.54% |
| 7.88% State Government of West Bengal 2044 | Unspecified | State Development Loan | 0.54% |
| AXIS FINANCE LIMITED SR 02 7.37 NCD 23AG28 FVRS1LAC | Financial | Non Convertible Debenture | 0.53% |
| BAJAJ FINANCE LIMITED 7.11 NCD 10JL28 FVRS1LAC | Financial | Debenture | 0.53% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 0.53% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IV 7.04 BD 09FB29 FVRS1LAC | Financial | Bonds | 0.53% |
| STATE DEVELOPMENT LOAN 37203 MP 11MR40 7.65 FV RS 100 | Unspecified | State Development Loan | 0.53% |
| STATE DEVELOPMENT LOAN 36283 AP 06AG34 6.96 FV RS 100 | Financial | State Development Loan | 0.52% |
| STATE DEVELOPMENT LOAN 36636 RAJ 23OT35 7.23 FV RS 100 | Unspecified | State Development Loan | 0.52% |
| Grasim Industries Ltd | Materials | Equity | 0.51% |
| 7.08% ANDHRA PRADESH SDL 26-MAR-37 | Financial | State Development Loan | 0.51% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 28JAN27 | Financial | Certificate of Deposit | 0.51% |
| CANARA BANK CD 28JAN27 | Financial | Certificate of Deposit | 0.51% |
| STATE DEVELOPMENT LOAN 36219 MH 16JL47 7.12 FV RS 100 | Unspecified | State Development Loan | 0.50% |
| Ajanta Pharma Ltd | Healthcare | Equity | 0.49% |
| DCM Shriram Ltd | Materials | Equity | 0.47% |
| Hero Motocorp Ltd | Consumer Discretionary | Equity | 0.46% |
| Crompton Greaves Consumer Electricals Ltd | Consumer Discretionary | Equity | 0.46% |
| Caplin Point Laboratories Ltd | Healthcare | Equity | 0.45% |
| Interglobe Aviation Ltd | Industrials | Equity | 0.45% |
| Knowledge Realty Trust | Real Estate | Real Estate Investment Trusts | 0.45% |
| Info Edge (India) Ltd | Technology | Equity | 0.44% |
| The Federal Bank Ltd | Financial | Equity | 0.43% |
| GHCL Ltd | Materials | Equity | 0.43% |
| Oil India Ltd | Energy & Utilities | Equity | 0.43% |
| Nexus Select Trust | Industrials | Real Estate Investment Trusts | 0.43% |
| TORRENT PHARMACEUTICALS LTD SR 4 7.80 NCD 17JN31 FVRS1LAC | Healthcare | Non Convertible Debenture | 0.43% |
| STATE DEVELOPMENT LOAN 37254 WB 18MR45 7.79 FV RS 100 | Unspecified | State Development Loan | 0.42% |
| JK Paper Ltd | Materials | Equity | 0.40% |
| G R Infraprojects Ltd | Industrials | Equity | 0.39% |
| Glenmark Pharmaceuticals Ltd | Healthcare | Equity | 0.38% |
| Indusind Bank Ltd | Financial | Equity | 0.38% |
| Shivalik Bimetal Controls Ltd | Industrials | Equity | 0.38% |
| Phoenix Mills Ltd | Real Estate | Equity | 0.37% |
| Vedanta Ltd | Materials | Equity | 0.37% |
| Sundaram Finance Ltd | Financial | Equity | 0.37% |
| Aditya Birla Capital Ltd | Financial | Equity | 0.37% |
| STATE DEVELOPMENT LOAN 37171 UP 04MR41 7.62 FV RS 100 | Unspecified | State Development Loan | 0.37% |
| Motilal Oswal Financial Services Ltd | Financial | Equity | 0.36% |
| Tips Industries Ltd | Consumer Discretionary | Equity | 0.36% |
| VRL Logistics Ltd | Industrials | Equity | 0.36% |
| IRB InvIT Fund EQ | Industrials | Infrastructure Investment Trust | 0.34% |
| Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/2031 | Financial | Debenture | 0.34% |
| Marksans Pharma Ltd | Healthcare | Equity | 0.32% |
| The Great Eastern Shipping Company Ltd | Energy & Utilities | Equity | 0.31% |
| Max Financial Services Ltd | Financial | Equity | 0.31% |
| REC LIMITED SR 249B 6.70 BD 31DC29 FVRS1LAC | Financial | Bonds | 0.31% |
| STATE DEVELOPMENT LOAN 36122 MH 25JU37 6.98 FV RS 100 | Unspecified | State Development Loan | 0.31% |
| Mahindra Holidays & Resorts India Ltd | Consumer Discretionary | Equity | 0.30% |
| STATE DEVELOPMENT LOAN 37142 WB 25FB41 7.72 FV RS 100 | Unspecified | State Development Loan | 0.29% |
| Colgate-Palmolive (India) Ltd | Consumer Staples | Equity | 0.28% |
| General Insurance Corporation of India Ltd | Financial | Equity | 0.28% |
| Raymond Lifestyle Ltd | Consumer Discretionary | Equity | 0.27% |
| GODREJ SEEDS & GENETICS LIMITED SR 1 7.99 NCD 26DC28 FVRS1LAC | Consumer Staples | Non Convertible Debenture | 0.27% |
| GODREJ SEEDS & GENETICS LIMITED SR 2 7.99 NCD 26MR29 FVRS1LAC | Consumer Staples | Non Convertible Debenture | 0.27% |
| Biocon Ltd | Healthcare | Equity | 0.26% |
| UPL Ltd | Materials | Equity | 0.26% |
| ICICI Prudential Life Insurance Company Ltd | Financial | Equity | 0.26% |
| STATE DEVELOPMENT LOAN 35647 CHT 05MR37 7.32 FV RS 100 | Unspecified | State Development Loan | 0.26% |
| Tata Motors Ltd | Industrials | Equity | 0.26% |
| TORRENT PHARMACEUTICALS LTD SR 2 7.60 NCD 19JN29 FVRS1LAC | Healthcare | Non Convertible Debenture | 0.26% |
| SP Apparels Ltd | Consumer Discretionary | Equity | 0.22% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 0.21% |
| VEDANTA ALUMINIUM LIMITED EQ NEW F.V. RS.2/- | Energy & Utilities | Equity | 0.19% |
| Vedanta Aluminium Metal Ltd. | Materials | Equity | 0.19% |
| Vedanta Iron And Steel Ltd. | Materials | Equity | 0.19% |
| Vedanta Power Ltd. | Industrials | Equity | 0.19% |
| REC Ltd | Financial | Equity | 0.18% |
| Mindspace Business Parks Ltd. | Real Estate | Real Estate Investment Trusts | 0.17% |
| Rossari Biotech Ltd | Materials | Equity | 0.15% |
| UTI Nifty 50 ETF | Unspecified | Mutual Fund | 0.11% |
| Axis Bank Ltd ST Dep. | Financial | Short Term Deposit | 0.11% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | Unspecified | Mutual Fund | 0.11% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | Unspecified | Mutual Fund | 0.10% |
| Others CBLO | Unspecified | CBLO | 0.07% |
| Mphasis Ltd | Technology | Equity | 0.06% |
| Bharat Petroleum Corporation Ltd | Energy & Utilities | Equity | 0.05% |
| INDIA UNIVERSAL TRUST AL1 SERIES A1 PTC 25SEP24 | Unspecified | Securitised Debt | 0.03% |
| STATE DEVELOPMENT LOAN 35765 HAR 26MR39 7.08 FV RS 100 | Unspecified | State Development Loan | 0.02% |
| STATE DEVELOPMENT LOAN 35618 MH 27FB40 7.19 FV RS 100 | Unspecified | State Development Loan | 0.01% |
| STATE DEVELOPMENT LOAN 33986 MH 21FB35 7.46 FV RS 100 | Unspecified | State Development Loan | 0.00% |
| Information Technologies (India) Ltd | Technology | Equity | -- |
See All
Minimum investments
Min. for 1st investment
₹500
Min. for 2nd investment
₹500
Min. for SIP
₹500
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +10.0% | +9.8% | +9.6% | +9.9% |
| Category average (Hybrid Balanced Hybrid) | +10.6% | +10.0% | +8.8% | -- |
| Rank (Hybrid Balanced Hybrid) | 1 | 1 | 1 | -- |
Exit load, stamp duty and tax
Exit load
Exit load of 1%, if redeemed within 1 year.
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
If you redeem within two years, returns are taxed as per your Income Tax slab. If you redeem after two years, returns are taxed at 12.5%.
Check past data
Fund management
AMAnurag MittalNov 2025 - PresentView details
AM
Anurag Mittal
Nov 2025 - Present
View details
VSV SrivatsaJan 2013 - PresentView details
VS
V Srivatsa
Jan 2013 - Present
View details
About UTI Retirement Fund Direct
UTI Retirement Fund Direct is a Hybrid Mutual Fund Scheme launched by UTI Mutual Fund. This scheme was made available to investors on 14 Nov 2002. Anurag Mittal is the Current Fund Manager of UTI Retirement Fund Direct fund. The fund currently has an Asset Under Management(AUM) of ₹3,96,629 Cr and the Latest NAV as of 10 Jun 2026 is ₹53.49.
The UTI Retirement Fund Direct is rated High risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹500. Exit load of 1%, if redeemed within 1 year.
;
Investment Objective
The scheme seeks 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.;
Fund benchmarkCRISIL Short Term Debt Hybrid 60+40 Index
Fund house
Rank (total assets)#8 in India
Total AUM₹3,96,629.25 Cr
Date of Incorporation14 Nov 2002
Launch Date14 Nov 2002
AddressUTI Tower, Plot C-1, GN Block,Banrda Kurla Complex, Bandra (East) Mumbai 400051
Websitewww.karvymfs.com
AddressKarvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,