UTI Retirement Fund Direct

Hybrid
Balanced Hybrid
High Risk
5Y Lock In
11.45%
3Y annualised
-0.06% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 14 Nov 2024₹50.90
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 returns19.4%11.4%14.2%10.8%
Category average20.1%9.6%11.2%NA
Rank with in category311NA
Understand terms

Holdings (95)

NameSectorInstrumentAssets
GOI
SovereignGOI Sec13.36%
GOI
SovereignGOI Sec7.00%
GOI
SovereignGOI Sec6.57%
GOI
SovereignGOI Sec5.52%
GOI
SovereignGOI Sec4.66%
HDFC Bank Ltd.
FinancialEquity3.60%
HDFC Bank Ltd.
FinancialDebenture3.25%
ICICI Bank Ltd.
FinancialEquity2.88%
Infosys Ltd.
TechnologyEquity2.11%
ITC Ltd.
Consumer StaplesEquity2.05%
Power Finance Corporation Ltd.
FinancialFixed Deposits1.62%
Reliance Industries Ltd.
EnergyEquity1.49%
GOI
SovereignGOI Sec1.11%
HCL Technologies Ltd.
TechnologyEquity1.09%
REC Ltd.
FinancialFRB1.08%
Kerala State
OthersSDL1.07%
Indian Railway Finance Corporation Ltd.
FinancialNCD1.07%
Jamnagar Utilities and Power Pvt. Ltd.
Capital GoodsDebenture1.06%
HDFC Bank Ltd.
FinancialDebenture1.06%
Larsen & Toubro Ltd.
ConstructionEquity1.05%
Bharti Airtel Ltd.
CommunicationEquity1.00%
Andhra Pradesh State
FinancialSDL0.96%
Vedanta Ltd.
Metals & MiningEquity0.90%
Axis Bank Ltd.
FinancialEquity0.87%
Indusind Bank Ltd.
FinancialEquity0.81%
Tamilnadu State
OthersSDL0.71%
Shriram Finance Ltd
FinancialEquity0.69%
Kotak Mahindra Bank Ltd.
FinancialEquity0.66%
Tata Motors Ltd.
AutomobileEquity0.66%
India Universal Trust AL1
OthersSecuritised Debt0.63%
India Universal Trust AL1
OthersSecuritised Debt0.63%
HDFC Life Insurance Co Ltd.
InsuranceEquity0.63%
Mahindra & Mahindra Ltd.
AutomobileEquity0.61%
Bajaj Auto Ltd.
AutomobileEquity0.61%
Indus Towers Ltd.
CommunicationEquity0.60%
GAIL (India) Ltd.
EnergyEquity0.57%
GOI
SovereignGOI Sec0.55%
Wipro Ltd.
TechnologyEquity0.54%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.54%
Power Finance Corporation Ltd.
FinancialDebenture0.54%
West Bengal State
OthersSDL0.54%
LIC Housing Finance Ltd.
FinancialDebenture0.53%
National Bank For Agriculture & Rural Development
FinancialDebenture0.53%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.53%
Aditya Birla Capital Ltd.
FinancialEquity0.53%
Shriram Finance Ltd
FinancialDebenture0.53%
Ajanta Pharma Ltd.
HealthcareEquity0.53%
Interglobe Aviation Ltd.
ServicesEquity0.53%
Union Bank of India
FinancialAdditional Tier 2 Bo0.52%
REC Ltd.
FinancialBonds/NCD0.51%
The Phoenix Mills Ltd.
ConstructionEquity0.51%
Max Financial Services Ltd.
FinancialEquity0.49%
Nippon Life India Asset Management Ltd.
FinancialEquity0.49%
The Great Eastern Shipping Company Ltd.
EnergyEquity0.48%
Caplin Point Laboratories Ltd.
HealthcareEquity0.48%
Emami Ltd.
Consumer StaplesEquity0.46%
Power Grid Corporation Of India Ltd.
EnergyEquity0.46%
Apollo Tyres Ltd.
AutomobileEquity0.46%
Raymond Lifestyle Ltd.
Consumer StaplesEquity0.44%
Dalmia Bharat Ltd.
ConstructionEquity0.43%
Mahindra Holidays & Resorts India Ltd.
ServicesEquity0.43%
Crompton Greaves Consumer Electricals Ltd.
Consumer DiscretionaryEquity0.41%
Glenmark Pharmaceuticals Ltd.
HealthcareEquity0.40%
GHCL Ltd.
ChemicalsEquity0.38%
Indian Bank
FinancialEquity0.38%
Marksans Pharma Ltd.
HealthcareEquity0.38%
Jubilant FoodWorks Ltd.
ServicesEquity0.38%
NIIT Learning Systems Ltd.
ServicesEquity0.37%
JK Paper Ltd.
Consumer StaplesEquity0.37%
Aurobindo Pharma Ltd.
HealthcareEquity0.37%
Mphasis Ltd.
TechnologyEquity0.35%
Star Health and Allied Insurance Company Ltd.
InsuranceEquity0.34%
Piramal Capital & Housing Finance Ltd.
FinancialDebenture0.33%
The Federal Bank Ltd.
FinancialEquity0.33%
Sundaram Finance Ltd.
FinancialEquity0.32%
Coromandel International Ltd.
ChemicalsEquity0.32%
Oracle Financial Services Software Ltd.
TechnologyEquity0.31%
Tips Music Ltd.
ServicesEquity0.31%
GR Infraprojects Ltd.
ConstructionEquity0.31%
ACC Ltd.
ConstructionEquity0.31%
Fortis Healthcare Ltd.
HealthcareEquity0.30%
Bharti Hexacom Ltd.
CommunicationEquity0.30%
Indo Count Industries Ltd.
TextilesEquity0.29%
Indraprastha Gas Ltd.
EnergyEquity0.29%
Jindal Stainless Ltd.
Metals & MiningEquity0.28%
Dr. Reddy's Laboratories Ltd.
HealthcareEquity0.24%
S.P. Apparels Ltd.
TextilesEquity0.23%
Bharti Airtel Ltd. - (Partly Paid up Equity Shares (Rights Issue))
CommunicationPPE0.21%
Raymond Ltd.
TextilesEquity0.19%
Shivalik Bimetal Controls Ltd.
Capital GoodsEquity0.13%
UTI Nifty 50 ETF
NAMutual Fund0.12%
Reserve Bank of India
FinancialT-Bills0.12%
Clearing Corporation of India
OthersST Dep.0.06%
Maharashtra State
OthersSDL0.00%
Information Technologies (India) Ltd.
TechnologyEquity0.00%
See All

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
3Y, 5Y and 10Y annualised returns higher than category average
Higher alpha: 3.15 The fund has generated returns higher than benchmark - CRISIL Short Term Debt Hybrid 60+40 Index - in the last 3Y

Cons

1Y annualised returns lower than category average by 0.71%
Lock-in period: 5Y

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

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
UTI Large & Mid Cap Fund Direct Growth
UTI Aggressive Hybrid Fund Direct Fund Growth
UTI Multi Asset Allocation Fund Direct Growth
UTI Retirement Fund Direct
UTI Healthcare Fund Direct Growth
UTI Dual Advantage Fixed Term Fund Series II I (1998 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VI II (1100 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series II III (1998 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VI III (1098 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series II IV (1997 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII I (1098 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series II V (1997 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII II (1281 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series III I (1998 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII IV (1278 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII V (1281 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series III II (1278 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series III III (1102 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VIII I (1278 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series IV I (1279 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series IV II (1278 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series IX I (1467 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series IX II (1462 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series IX III (1389 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series V I (1103 Days) Direct Growth
UTI Equity Savings Fund Direct Growth

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
UTI Aggressive Hybrid Fund Direct Fund Growth
UTI Medium to Long Duration Fund Direct Growth
UTI Multi Asset Allocation Fund Direct Growth
UTI Retirement Fund Direct
UTI Children's Hybrid Fund Direct Plan
UTI Unit Linked Insurance Plan Direct
UTI Quarterly Interval Fund Series VII Direct Growth
UTI Monthly Interval Fund Series II Retail Direct Growth
UTI Monthly Interval Fund Series 1 Retail Direct Growth
UTI Quarterly Interval Fund II Direct Growth
UTI Quarterly Interval Fund Series III Direct Growth
UTI Quarterly Interval Fund III Direct Growth
UTI Quarterly Interval Fund I Direct Growth
UTI Half Yearly Interval Fund Series 1 Direct Growth
UTI Annual Interval Fund I Direct Growth
UTI Annual Interval Fund II Direct Growth
UTI Fixed Term Income Fund Series XVII XV (1825 Days) Direct Growth
UTI Fixed Term Income Fund Series XVIII II (1825 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series II I (1998 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIII II (1100 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VI II (1100 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series II III (1998 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIII IV (1100 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VI III (1098 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIII VI (1100 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIII VII (1098 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIII IX (1100 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series II IV (1997 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII I (1098 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIII XIII (1100 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series II V (1997 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIII XV (1176 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII II (1281 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series III I (1998 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIV V (1132 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIV XI (1098 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII IV (1278 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIV XII (1099 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VII V (1281 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIV XIV (1831 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIV XVII (1098 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series III II (1278 Days) Direct Growth
UTI Fixed Term Income Fund Series XXV II (1097 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series III III (1102 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series VIII I (1278 Days) Direct Growth
UTI Fixed Term Income Fund Series XXV III (1100 Days) Direct Growth
UTI Fixed Term Income Fund Series XXV VI (1098 Days) Direct Growth
UTI Fixed Term Income Fund Series XXV VII (1097 Days) Direct Growth
UTI Fixed Term Income Fund Series XXV VIII (1100 Days) Direct Growth
UTI Fixed Term Income Fund Series XXV IX (1098 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series IV I (1279 Days) Direct Growth
UTI Fixed Term Income Fund Series XXV XI (1211 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI I (1182 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series IV II (1278 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI V (1160 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI VI (1146 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI VII (1140 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI IX (1113 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series IX I (1467 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI XII (1096 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI XIII (1124 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVI XV (1097 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series IX II (1462 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVII I (1113 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVII III (1096 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVII IV (1113 Days) Direct Growth
UTI Capital Protection Oriented Scheme Series IX III (1389 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVII V (1097 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVII VI (1113 Days) Direct Growth
UTI Dual Advantage Fixed Term Fund Series V I (1103 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVII X (1118 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII I (1230 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII II (1210 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII III (1203 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII V (1190 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII VII (1169 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII VIII (1171 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII X (1153 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII XIII (1134 Days) Direct Growth
UTI Fixed Term Income Fund Series XXVIII XIV (1147 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX I (1134 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX II (1118 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX III (1131 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX VII (1135 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX VIII (1127 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX IX (1109 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX XI (1112 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX XIII (1122 Days) Direct Growth
UTI Fixed Term Income Fund Series XXIX XIV (1131 Days) Direct Growth
UTI Corporate Bond Fund Direct Growth
UTI Equity Savings Fund Direct Growth
UTI Fixed Term Income Fund Series XXX I (1104 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX II (1107 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX III (1106 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX IV (1125 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX V (1135 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX VI (1107 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX IX (1266 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX XI (1246 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX XII (1254 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX XIII (1224 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX XIV (1209 Days) Direct Growth
UTI Fixed Term Income Fund Series XXX XV (1223 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI II (1222 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI III (1174 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI IV (1204 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI V (1174 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI VI (1167 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI VII (1155 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI VIII (1153 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI IX (1168 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI X (1168 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI XI (1169 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI XII (1148 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXI XIII (1127 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXIII I (1135 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXV I (1260 Days) Direct Growth
UTI Fixed Term Income Fund Series XXXV II (1223 Days) Direct Growth
UTI CRISIL SDL Maturity April 2033 Index Fund Direct Growth
UTI CRISIL SDL Maturity June 2027 Index Fund Direct Growth
UTI Fixed Term Income Fund Series XXXV III (1176 Days) Direct Growth
UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund Direct Growth
UTI Fixed Term Income Fund Series XXXVI I (1574 Days) Direct Growth
UTI Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund Direct Growth
UTI Long Duration Fund Direct Growth

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
Website
www.utimf.com
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,
Email
[email protected]
Website
www.karvymfs.com

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Sarjapur Main Road, Bellandur

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