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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
UTI Retirement Fund Direct
ELSS • 5Y Lock-in
Hybrid
Balanced Hybrid
High Risk
+12.68%
3Y annualised
+0.15% 1D
NAV: 19 Jan '26
₹54.63
Min. SIP amount
₹500
Fund size
₹4,788.53 Cr
Expense ratio
1.13%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,868 | +3.11% | |
| 3 years | ₹1,80,000 | ₹2,08,254 | +15.70% | |
| 5 years | ₹3,00,000 | ₹3,94,118 | +31.37% | |
| 10 years | ₹6,00,000 | ₹10,42,439 | +73.74% |
Holdings (124)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 6.74% |
| GOI | Sovereign | GOI Sec | 4.06% |
| GOI | Sovereign | GOI Sec | 3.58% |
| HDFC Bank Ltd. | Financial | Equity | 3.28% |
| HDFC Bank Ltd. | Financial | Debenture | 2.70% |
| GOI | Sovereign | GOI Sec | 2.60% |
| GOI | Sovereign | GOI Sec | 2.56% |
| ICICI Bank Ltd. | Financial | Equity | 2.50% |
| GOI | Sovereign | GOI Sec | 2.26% |
| Infosys Ltd. | Technology | Equity | 2.23% |
| Reliance Industries Ltd. | Energy | Equity | 1.80% |
| GOI | Sovereign | GOI Sec | 1.76% |
| Power Finance Corporation Ltd. | Financial | FD | 1.60% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 1.58% |
| ITC Ltd. | Consumer Staples | Equity | 1.57% |
| GOI | Sovereign | GOI Sec | 1.54% |
| Vedanta Ltd. | Metals & Mining | Equity | 1.27% |
| Rajasthan State | Others | SDL | 1.18% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.17% |
| GOI | Sovereign | GOI Sec | 1.15% |
| Indus Towers Ltd. | Communication | Equity | 1.10% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.06% |
| Aditya Birla Finance Ltd. | Financial | Debenture | 1.06% |
| Export-Import Bank Of India | Financial | Bonds | 1.05% |
| Power Finance Corporation Ltd. | Financial | Bonds | 1.05% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.05% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.04% |
| Andhra Pradesh State | Financial | SDL | 1.03% |
| Wipro Ltd. | Technology | Equity | 1.03% |
| Andhra Pradesh State | Financial | SDL | 1.00% |
| Maharashtra State | Others | SDL | 1.00% |
| HCL Technologies Ltd. | Technology | Equity | 0.96% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.90% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 0.85% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.85% |
| State Bank of India | Financial | Equity | 0.80% |
| Shriram Finance Ltd | Financial | Equity | 0.80% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.58% |
| NIIT Learning Systems Ltd. | Services | Equity | 0.57% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.57% |
| Bharti Airtel Ltd. | Communication | Equity | 0.55% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.54% |
| Tamilnadu State | Others | SDL | 0.53% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.53% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.53% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.53% |
| Aditya Birla Housing Finance Ltd. | Financial | NCD | 0.53% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 0.52% |
| Axis Finance Ltd. | Financial | NCD | 0.52% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 0.52% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.52% |
| REC Ltd. | Financial | Bonds/NCD | 0.52% |
| Telangana State | Financial | SDL | 0.52% |
| Chhattisgarh State | Others | SDL | 0.52% |
| Rajasthan State | Others | SDL | 0.51% |
| Andhra Pradesh State | Financial | SDL | 0.51% |
| Andhra Pradesh State | Financial | SDL | 0.51% |
| Bharat Petroleum Corporation Ltd. | Energy | Equity | 0.51% |
| Tamilnadu State | Others | SDL | 0.50% |
| Maharashtra State | Others | SDL | 0.50% |
| Grasim Industries Ltd. | Construction | Equity | 0.50% |
| Interglobe Aviation Ltd. | Services | Equity | 0.47% |
| Coal India Ltd. | Energy | Equity | 0.47% |
| Aurobindo Pharma Ltd. | Healthcare | Equity | 0.46% |
| Life Insurance Corporation of India | Insurance | Equity | 0.45% |
| Emami Ltd. | Consumer Staples | Equity | 0.45% |
| Knowledge Realty Trust | Construction | REITs | 0.45% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | Equity | 0.43% |
| The Federal Bank Ltd. | Financial | Equity | 0.43% |
| Sundaram Finance Ltd. | Financial | Equity | 0.42% |
| Caplin Point Laboratories Ltd. | Healthcare | Equity | 0.41% |
| Aditya Birla Capital Ltd. | Financial | Equity | 0.41% |
| Oil India Ltd. | Energy | Equity | 0.40% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.40% |
| Indusind Bank Ltd. | Financial | Equity | 0.40% |
| The Great Eastern Shipping Company Ltd. | Energy | Equity | 0.39% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 0.38% |
| Mindspace Business Parks REIT | Construction | REITs | 0.37% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.37% |
| The Phoenix Mills Ltd. | Construction | Equity | 0.36% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.35% |
| Max Financial Services Ltd. | Financial | Equity | 0.35% |
| GR Infraprojects Ltd. | Construction | Equity | 0.34% |
| Raymond Lifestyle Ltd. | Consumer Staples | Equity | 0.34% |
| Petronet LNG Ltd. | Energy | Equity | 0.34% |
| Piramal Finance Ltd. | Financial | Debenture | 0.34% |
| Indo Count Industries Ltd. | Textiles | Equity | 0.33% |
| Motilal Oswal Financial Services Ltd. | Financial | Equity | 0.32% |
| REC Ltd. | Financial | Bonds | 0.31% |
| JK Paper Ltd. | Consumer Staples | Equity | 0.31% |
| Maharashtra State | Others | SDL | 0.30% |
| Tips Music Ltd. | Services | Equity | 0.29% |
| Nexus Select Trust | Construction | REITs | 0.29% |
| IRB InvIT Fund | Construction | InvITs | 0.29% |
| UPL Ltd. | Chemicals | Equity | 0.29% |
| Indiamart Intermesh Ltd. | Services | Equity | 0.28% |
| DCM Shriram Ltd. | Chemicals | Equity | 0.28% |
| Tata Capital Ltd. | Financial | Equity | 0.28% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | Equity | 0.28% |
| Mphasis Ltd. | Technology | Equity | 0.27% |
| Indian Bank | Financial | Equity | 0.27% |
| Marksans Pharma Ltd. | Healthcare | Equity | 0.26% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| Colgate-Palmolive (India) Ltd. | Consumer Staples | Equity | 0.23% |
| Shivalik Bimetal Controls Ltd. | Capital Goods | Equity | 0.23% |
| GHCL Ltd. | Chemicals | Equity | 0.22% |
| Tata Motors Ltd. | Automobile | Equity | 0.22% |
| Bharti Airtel Ltd. - (Partly Paid up Equity Shares (Rights Issue)) | Communication | PPE | 0.21% |
| Haryana State | Others | SDL | 0.18% |
| Rossari Biotech Ltd. | Chemicals | Equity | 0.17% |
| Biocon Ltd. | Healthcare | Equity | 0.16% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.16% |
| S.P. Apparels Ltd. | Textiles | Equity | 0.15% |
| UTI Nifty 50 ETF | NA | Mutual Fund | 0.12% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | NA | Mutual Fund | 0.11% |
| Axis Bank Ltd. | Financial | CD | 0.10% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | NA | Mutual Fund | 0.10% |
| Bajaj Auto Ltd. | Automobile | Equity | 0.08% |
| Clearing Corporation of India | Others | CP | 0.05% |
| Haryana State | Others | SDL | 0.02% |
| Maharashtra State | Others | SDL | 0.01% |
| Maharashtra State | Others | SDL | 0.00% |
| Information Technologies (India) Ltd. | Technology | Equity | NA |
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 | +12.7% | +12.1% | +10.5% | +10.4% |
| 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
VSV SrivatsaJan 2013 - PresentView details
VS
V Srivatsa
Jan 2013 - Present
View details
AMAnurag MittalNov 2025 - PresentView details
AM
Anurag Mittal
Nov 2025 - Present
View details
SMPSunil Madhukar PatilDec 2021 - PresentView details
SMP
Sunil Madhukar Patil
Dec 2021 - 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. V Srivatsa is the Current Fund Manager of UTI Retirement Fund Direct fund. The fund currently has an Asset Under Management(AUM) of ₹3,94,217 Cr and the Latest NAV as of 19 Jan 2026 is ₹54.63.
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₹3,94,217.41 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,