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Invest in Mutual Funds
Invest in direct mutual funds at zero charges via lump sump investments or SIPs
UTI Retirement Fund Direct
+11.15%
3Y annualised
+0.21% 1D
NAV: 30 Apr '26
₹53.72
Min. for SIP
₹500
Fund size (AUM)
₹4,475.57 Cr
Expense ratio
1.04%
Rating
--
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹60,015 | +0.03% | |
| 3 years | ₹1,80,000 | ₹1,98,325 | +10.18% | |
| 5 years | ₹3,00,000 | ₹3,75,717 | +25.24% | |
| 10 years | ₹6,00,000 | ₹9,96,379 | +66.06% |
Holdings (136)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 7.02% |
| GOI | Sovereign | GOI Sec | 3.55% |
| GOI | Sovereign | GOI Sec | 3.18% |
| HDFC Bank Ltd. | Financial | Debenture | 2.82% |
| GOI | Sovereign | GOI Sec | 2.63% |
| HDFC Bank Ltd. | Financial | Equity | 2.59% |
| ICICI Bank Ltd. | Financial | Equity | 2.40% |
| Infosys Ltd. | Technology | Equity | 1.89% |
| Power Finance Corporation Ltd. | Financial | FD | 1.67% |
| GOI | Sovereign | GOI Sec | 1.62% |
| Reliance Industries Ltd. | Energy | Equity | 1.49% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.35% |
| Rajasthan State | Others | SDL | 1.24% |
| ITC Ltd. | Consumer Staples | Equity | 1.23% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 1.20% |
| Vedanta Ltd. | Metals & Mining | Equity | 1.18% |
| West Bengal State | Others | SDL | 1.15% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.12% |
| Aditya Birla Finance Ltd. | Financial | Debenture | 1.12% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 1.11% |
| Andhra Pradesh State | Financial | SDL | 1.11% |
| Kerala State | Others | SDL | 1.10% |
| Export-Import Bank Of India | Financial | Bonds | 1.10% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.10% |
| West Bengal State | Others | SDL | 1.09% |
| Haryana State | Others | SDL | 1.09% |
| Power Finance Corporation Ltd. | Financial | Bonds | 1.09% |
| GOI | Sovereign | GOI Sec | 1.09% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.08% |
| GOI | Sovereign | GOI Sec | 1.08% |
| National Bank For Agriculture & Rural Development | Financial | CD | 1.05% |
| Madhya Pradesh State | Others | SDL | 1.04% |
| Andhra Pradesh State | Financial | SDL | 1.04% |
| GOI | Sovereign | GOI Sec | 0.97% |
| Bharti Airtel Ltd. | Communication | Equity | 0.96% |
| Wipro Ltd. | Technology | Equity | 0.96% |
| HCL Technologies Ltd. | Technology | Equity | 0.89% |
| Indus Towers Ltd. | Communication | Equity | 0.86% |
| West Bengal State | Others | SDL | 0.85% |
| State Bank of India | Financial | Equity | 0.83% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.77% |
| Shriram Finance Ltd | Financial | Equity | 0.75% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.67% |
| Life Insurance Corporation of India | Insurance | Equity | 0.63% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.60% |
| Uttar Pradesh State | Others | SDL | 0.59% |
| Aurobindo Pharma Ltd. | Healthcare | Equity | 0.58% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.56% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.56% |
| Aditya Birla Housing Finance Ltd. | Financial | NCD | 0.56% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.56% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.56% |
| West Bengal State | Others | SDL | 0.56% |
| REC Ltd. | Financial | Bonds/NCD | 0.55% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 0.55% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 0.55% |
| Axis Finance Ltd. | Financial | NCD | 0.55% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.55% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 0.55% |
| Madhya Pradesh State | Others | SDL | 0.55% |
| Rajasthan State | Others | SDL | 0.54% |
| Andhra Pradesh State | Financial | SDL | 0.53% |
| Coal India Ltd. | Energy | Equity | 0.53% |
| Andhra Pradesh State | Financial | SDL | 0.53% |
| Canara Bank | Financial | CD | 0.53% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.53% |
| Maharashtra State | Others | SDL | 0.52% |
| Emami Ltd. | Consumer Staples | Equity | 0.50% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.50% |
| Grasim Industries Ltd. | Construction | Equity | 0.48% |
| NIIT Learning Systems Ltd. | Services | Equity | 0.48% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.47% |
| Info Edge (India) Ltd. | Services | Equity | 0.46% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | Equity | 0.45% |
| Knowledge Realty Trust | Construction | REITs | 0.45% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.44% |
| DCM Shriram Ltd. | Chemicals | Equity | 0.44% |
| West Bengal State | Others | SDL | 0.43% |
| Interglobe Aviation Ltd. | Services | Equity | 0.43% |
| Nexus Select Trust | Construction | REITs | 0.43% |
| Caplin Point Laboratories Ltd. | Healthcare | Equity | 0.41% |
| The Federal Bank Ltd. | Financial | Equity | 0.40% |
| Oil India Ltd. | Energy | Equity | 0.40% |
| GHCL Ltd. | Chemicals | Equity | 0.40% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.39% |
| Uttar Pradesh State | Others | SDL | 0.39% |
| Sundaram Finance Ltd. | Financial | Equity | 0.37% |
| Indusind Bank Ltd. | Financial | Equity | 0.37% |
| JK Paper Ltd. | Consumer Staples | Equity | 0.36% |
| IRB InvIT Fund | Construction | InvITs | 0.35% |
| Piramal Finance Ltd. | Financial | Debenture | 0.35% |
| Tata Power Company Ltd. | Energy | Equity | 0.34% |
| The Phoenix Mills Ltd. | Construction | Equity | 0.33% |
| REC Ltd. | Financial | Bonds | 0.33% |
| VRL Logistics Ltd. | Services | Equity | 0.32% |
| Aditya Birla Capital Ltd. | Financial | Equity | 0.32% |
| GR Infraprojects Ltd. | Construction | Equity | 0.32% |
| Maharashtra State | Others | SDL | 0.32% |
| West Bengal State | Others | SDL | 0.30% |
| Max Financial Services Ltd. | Financial | Equity | 0.30% |
| Central Mine Planning & Design Institute Ltd. | Energy | Equity | 0.29% |
| Motilal Oswal Financial Services Ltd. | Financial | Equity | 0.29% |
| The Great Eastern Shipping Company Ltd. | Energy | Equity | 0.29% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.29% |
| Marksans Pharma Ltd. | Healthcare | Equity | 0.28% |
| Tips Music Ltd. | Services | Equity | 0.28% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.28% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.28% |
| Chhattisgarh State | Others | SDL | 0.27% |
| General Insurance Corporation of India | Insurance | Equity | 0.27% |
| Bharat Petroleum Corporation Ltd. | Energy | Equity | 0.27% |
| Biocon Ltd. | Healthcare | Equity | 0.27% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.27% |
| Raymond Lifestyle Ltd. | Consumer Staples | Equity | 0.26% |
| Mindspace Business Parks REIT | Construction | REITs | 0.26% |
| Shivalik Bimetal Controls Ltd. | Capital Goods | Equity | 0.25% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | Equity | 0.25% |
| Colgate-Palmolive (India) Ltd. | Consumer Staples | Equity | 0.25% |
| Mphasis Ltd. | Technology | Equity | 0.25% |
| UPL Ltd. | Chemicals | Equity | 0.23% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 0.23% |
| Tata Motors Ltd. | Automobile | Equity | 0.22% |
| S.P. Apparels Ltd. | Textiles | Equity | 0.19% |
| Indiamart Intermesh Ltd. | Services | Equity | 0.18% |
| Indo Count Industries Ltd. | Textiles | Equity | 0.16% |
| Rossari Biotech Ltd. | Chemicals | Equity | 0.12% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | -- | Mutual Fund | 0.11% |
| Axis Bank Ltd. | Financial | ST Dep. | 0.11% |
| UTI Nifty 50 ETF | -- | Mutual Fund | 0.11% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | -- | Mutual Fund | 0.10% |
| Bharat Coking Coal Ltd. | Energy | Equity | 0.09% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.07% |
| Haryana State | Others | SDL | 0.02% |
| Maharashtra State | Others | SDL | 0.02% |
| Maharashtra State | Others | SDL | 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 | +11.2% | +10.9% | +9.9% | +10.0% |
| 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
--
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 ₹3,53,000 Cr and the Latest NAV as of 30 Apr 2026 is ₹53.72.
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₹3,52,999.67 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,