UTI Retirement Fund Direct

Hybrid
Balanced Hybrid
High Risk
5Y Lock In
11.25%
3Y annualised
-1.09% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 13 Jan 2025₹50.62
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 returns11.9%11.3%13.4%10.6%
Category average10.1%8.7%10.4%NA
Rank with in category311NA
Understand terms

Holdings (97)

NameSectorInstrumentAssets
SovereignGOI Sec13.61%
SovereignGOI Sec7.13%
GOI
SovereignGOI Sec6.72%
SovereignGOI Sec5.63%
GOI
SovereignGOI Sec4.76%
FinancialEquity3.79%
HDFC Bank Ltd.
FinancialDebenture3.33%
FinancialEquity2.97%
GOI
SovereignGOI Sec2.24%
TechnologyEquity2.23%
Consumer StaplesEquity1.97%
FinancialFixed Deposits1.65%
TechnologyEquity1.19%
FinancialFRB1.11%
Kerala State
OthersSDL1.10%
Indian Railway Finance Corporation Ltd.
FinancialNCD1.09%
Capital GoodsDebenture1.09%
Andhra Pradesh State
FinancialSDL0.99%
ConstructionEquity0.97%
Metals & MiningEquity0.92%
EnergyEquity0.86%
CommunicationEquity0.81%
FinancialEquity0.77%
Tamilnadu State
OthersSDL0.72%
FinancialEquity0.71%
AutomobileEquity0.66%
TechnologyEquity0.65%
India Universal Trust AL1
OthersSecuritised Debt0.64%
CommunicationEquity0.60%
FinancialEquity0.58%
FinancialNCD0.56%
India Universal Trust AL1
OthersSecuritised Debt0.55%
ServicesEquity0.55%
FinancialDebenture0.55%
LIC Housing Finance Ltd.
FinancialDebenture0.54%
HealthcareEquity0.54%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.54%
National Bank For Agriculture & Rural Development
FinancialDebenture0.54%
GOI
SovereignGOI Sec0.54%
Union Bank of India
FinancialAdditional Tier 2 Bo0.54%
EnergyEquity0.53%
FinancialBonds/NCD0.53%
FinancialEquity0.52%
AutomobileEquity0.51%
AutomobileEquity0.50%
EnergyEquity0.49%
InsuranceEquity0.49%
AutomobileEquity0.49%
ConstructionEquity0.48%
AutomobileEquity0.48%
HealthcareEquity0.46%
FinancialEquity0.45%
EnergyEquity0.44%
Consumer DiscretionaryEquity0.42%
Consumer StaplesEquity0.42%
ServicesEquity0.41%
ServicesEquity0.41%
Consumer StaplesEquity0.41%
ServicesEquity0.41%
CommunicationEquity0.41%
ConstructionEquity0.40%
FinancialEquity0.40%
FinancialEquity0.40%
HealthcareEquity0.38%
ChemicalsEquity0.38%
HealthcareEquity0.37%
FinancialEquity0.37%
Metals & MiningEquity0.37%
ChemicalsEquity0.36%
TechnologyEquity0.36%
FinancialDebenture0.35%
TechnologyEquity0.34%
HealthcareEquity0.34%
TextilesEquity0.34%
ServicesEquity0.34%
Mankind Pharma Ltd.
HealthcareBonds/Deb0.33%
HealthcareEquity0.32%
FinancialEquity0.32%
HealthcareEquity0.30%
Consumer StaplesEquity0.29%
ConstructionEquity0.29%
FinancialEquity0.28%
ConstructionEquity0.28%
FinancialEquity0.27%
EnergyEquity0.26%
Metals & MiningEquity0.23%
TextilesEquity0.23%
TextilesEquity0.18%
Capital GoodsEquity0.17%
CommunicationPPE0.17%
Reserve Bank of India
FinancialT-Bills0.12%
NAMutual Fund0.11%
NAMutual Fund0.10%
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: 3.69 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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