UTI Retirement Fund Direct

Hybrid
Balanced Hybrid
High Risk
5Y Lock In
14.71%
3Y annualised
-0.09% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 07 Jul 2025₹54.15
Min. SIP amount₹500
RatingNA
Fund size₹4,724.71Cr

Return calculator

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

Holdings (104)

NameSectorInstrumentAssets
SovereignGOI Sec9.19%
SovereignGOI Sec6.36%
GOI
SovereignGOI Sec4.88%
FinancialEquity3.85%
GOI
SovereignGOI Sec3.71%
SovereignGOI Sec3.37%
FinancialEquity3.23%
GOI
SovereignGOI Sec2.90%
HDFC Bank Ltd.
FinancialDebenture2.79%
GOI
SovereignGOI Sec2.67%
Small Industries Devp. Bank of India Ltd.
FinancialBonds/NCD2.17%
TechnologyEquity1.75%
GOI
SovereignGOI Sec1.69%
FinancialFD1.67%
Consumer StaplesEquity1.65%
GOI
SovereignGOI Sec1.64%
EnergyEquity1.23%
FinancialFRB1.11%
Power Finance Corporation Ltd.
FinancialBonds1.10%
Indian Railway Finance Corporation Ltd.
FinancialNCD1.09%
Kerala State
OthersSDL1.09%
Capital GoodsDebenture1.09%
Power Finance Corporation Ltd.
FinancialBonds1.09%
Indian Railway Finance Corporation Ltd.
FinancialNCD1.09%
Metals & MiningEquity1.08%
CommunicationEquity1.08%
Bajaj Finance Ltd.
FinancialDebenture1.07%
EnergyEquity0.91%
EnergyEquity0.87%
ServicesEquity0.84%
TechnologyEquity0.82%
FinancialEquity0.81%
ConstructionEquity0.80%
AutomobileEquity0.79%
AutomobileEquity0.76%
Tamilnadu State
OthersSDL0.73%
TechnologyEquity0.70%
CommunicationEquity0.67%
InsuranceEquity0.66%
India Universal Trust AL1
OthersSec. Debt0.62%
FinancialEquity0.60%
AutomobileEquity0.56%
FinancialNCD0.56%
Consumer StaplesEquity0.56%
Chhattisgarh State
OthersSDL0.56%
FinancialEquity0.55%
National Bank For Agriculture & Rural Development
FinancialDebenture0.55%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.55%
Andhra Pradesh State
FinancialSDL0.55%
LIC Housing Finance Ltd.
FinancialDebenture0.54%
Union Bank of India
FinancialAd.Tier 2 Bnd0.53%
Axis Finance Ltd.
FinancialNCD0.53%
FinancialBonds/NCD0.53%
Consumer StaplesEquity0.49%
EnergyEquity0.49%
FinancialEquity0.49%
HealthcareEquity0.48%
HealthcareEquity0.48%
FinancialEquity0.47%
Metals & MiningEquity0.47%
FinancialEquity0.47%
CommunicationEquity0.46%
ConstructionEquity0.44%
FinancialEquity0.42%
FinancialEquity0.42%
ServicesEquity0.42%
FinancialEquity0.41%
ConstructionEquity0.41%
HealthcareEquity0.40%
EnergyEquity0.40%
HealthcareEquity0.40%
India Universal Trust AL1
OthersSec. Debt0.39%
Consumer DiscretionaryEquity0.38%
FinancialEquity0.38%
EnergyEquity0.37%
ServicesEquity0.36%
TechnologyEquity0.35%
TextilesEquity0.34%
FinancialDebenture0.34%
AutomobileEquity0.34%
Consumer StaplesEquity0.34%
HealthcareEquity0.33%
Mankind Pharma Ltd.
HealthcareBonds/Deb0.32%
ServicesEquity0.30%
HealthcareEquity0.30%
Consumer StaplesEquity0.27%
ServicesEquity0.26%
ConstructionEquity0.26%
Capital GoodsEquity0.24%
ChemicalsEquity0.21%
CommunicationPPE0.20%
ChemicalsEquity0.20%
ChemicalsEquity0.19%
TextilesEquity0.18%
ChemicalsEquity0.16%
NAMutual Fund0.11%
NAMutual Fund0.11%
Axis Bank Ltd.
FinancialCD0.11%
NAMutual Fund0.10%
Clearing Corporation of India
OthersCP0.06%
Maharashtra State
OthersSDL0.04%
Haryana State
OthersSDL0.02%
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 returns8.2%14.7%15.2%10.8%
Category average6.4%12.7%12.4%NA
Rank with in category211NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 1.02%

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: 1.02%
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: 2.66 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

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