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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
UTI Retirement Fund Direct
+11.89%
3Y annualised
+0.13% 1D
NAV: 20 Mar '26
₹52.99
Min. for SIP
₹500
Fund size
₹4,732.16 Cr
Expense ratio
1.14%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹59,302 | -1.16% | |
| 3 years | ₹1,80,000 | ₹1,97,533 | +9.74% | |
| 5 years | ₹3,00,000 | ₹3,74,135 | +24.71% | |
| 10 years | ₹6,00,000 | ₹9,91,445 | +65.24% |
Holdings (131)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 6.85% |
| GOI | Sovereign | GOI Sec | 4.09% |
| GOI | Sovereign | GOI Sec | 3.08% |
| HDFC Bank Ltd. | Financial | Equity | 2.98% |
| HDFC Bank Ltd. | Financial | Debenture | 2.72% |
| GOI | Sovereign | GOI Sec | 2.61% |
| GOI | Sovereign | GOI Sec | 2.61% |
| ICICI Bank Ltd. | Financial | Equity | 2.59% |
| GOI | Sovereign | GOI Sec | 2.59% |
| GOI | Sovereign | GOI Sec | 2.28% |
| Infosys Ltd. | Technology | Equity | 1.86% |
| Power Finance Corporation Ltd. | Financial | FD | 1.61% |
| GOI | Sovereign | GOI Sec | 1.56% |
| Reliance Industries Ltd. | Energy | Equity | 1.50% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.41% |
| Vedanta Ltd. | Metals & Mining | Equity | 1.27% |
| ITC Ltd. | Consumer Staples | Equity | 1.24% |
| Rajasthan State | Others | SDL | 1.20% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 1.14% |
| West Bengal State | Others | SDL | 1.12% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.07% |
| West Bengal State | Others | SDL | 1.07% |
| Haryana State | Others | SDL | 1.07% |
| Aditya Birla Finance Ltd. | Financial | Debenture | 1.07% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 1.06% |
| Kerala State | Others | SDL | 1.06% |
| Export-Import Bank Of India | Financial | Bonds | 1.06% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.05% |
| GOI | Sovereign | GOI Sec | 1.05% |
| Power Finance Corporation Ltd. | Financial | Bonds | 1.05% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.05% |
| Madhya Pradesh State | Others | SDL | 1.01% |
| Andhra Pradesh State | Financial | SDL | 1.01% |
| National Bank For Agriculture & Rural Development | Financial | CD | 0.99% |
| State Bank of India | Financial | Equity | 0.99% |
| Wipro Ltd. | Technology | Equity | 0.93% |
| Indus Towers Ltd. | Communication | Equity | 0.88% |
| Shriram Finance Ltd | Financial | Equity | 0.87% |
| HCL Technologies Ltd. | Technology | Equity | 0.87% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.84% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.76% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.58% |
| Life Insurance Corporation of India | Insurance | Equity | 0.57% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.54% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.54% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.54% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.53% |
| Aditya Birla Housing Finance Ltd. | Financial | NCD | 0.53% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 0.53% |
| Axis Finance Ltd. | Financial | NCD | 0.53% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 0.53% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 0.53% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.53% |
| REC Ltd. | Financial | Bonds/NCD | 0.52% |
| Bharti Airtel Ltd. | Communication | Equity | 0.52% |
| Rajasthan State | Others | SDL | 0.52% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.52% |
| NIIT Learning Systems Ltd. | Services | Equity | 0.52% |
| Andhra Pradesh State | Financial | SDL | 0.51% |
| Aurobindo Pharma Ltd. | Healthcare | Equity | 0.51% |
| Andhra Pradesh State | Financial | SDL | 0.51% |
| Maharashtra State | Others | SDL | 0.51% |
| Grasim Industries Ltd. | Construction | Equity | 0.50% |
| Interglobe Aviation Ltd. | Services | Equity | 0.50% |
| Indian Bank | Financial | CD | 0.50% |
| Canara Bank | Financial | CD | 0.50% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.50% |
| Coal India Ltd. | Energy | Equity | 0.48% |
| Emami Ltd. | Consumer Staples | Equity | 0.46% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | Equity | 0.46% |
| Knowledge Realty Trust | Construction | REITs | 0.45% |
| Indusind Bank Ltd. | Financial | Equity | 0.44% |
| Sundaram Finance Ltd. | Financial | Equity | 0.44% |
| The Federal Bank Ltd. | Financial | Equity | 0.44% |
| Nexus Select Trust | Construction | REITs | 0.43% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.42% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.42% |
| Caplin Point Laboratories Ltd. | Healthcare | Equity | 0.40% |
| JK Paper Ltd. | Consumer Staples | Equity | 0.39% |
| Oil India Ltd. | Energy | Equity | 0.39% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.37% |
| Aditya Birla Capital Ltd. | Financial | Equity | 0.36% |
| GR Infraprojects Ltd. | Construction | Equity | 0.36% |
| Info Edge (India) Ltd. | Services | Equity | 0.35% |
| Bharat Petroleum Corporation Ltd. | Energy | Equity | 0.35% |
| Petronet LNG Ltd. | Energy | Equity | 0.34% |
| The Phoenix Mills Ltd. | Construction | Equity | 0.34% |
| Max Financial Services Ltd. | Financial | Equity | 0.34% |
| Piramal Finance Ltd. | Financial | Debenture | 0.34% |
| IRB InvIT Fund | Construction | InvITs | 0.34% |
| Indiamart Intermesh Ltd. | Services | Equity | 0.33% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.33% |
| Motilal Oswal Financial Services Ltd. | Financial | Equity | 0.32% |
| REC Ltd. | Financial | Bonds | 0.31% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | Equity | 0.31% |
| Maharashtra State | Others | SDL | 0.31% |
| West Bengal State | Others | SDL | 0.29% |
| Tips Music Ltd. | Services | Equity | 0.29% |
| Raymond Lifestyle Ltd. | Consumer Staples | Equity | 0.29% |
| Marksans Pharma Ltd. | Healthcare | Equity | 0.28% |
| Biocon Ltd. | Healthcare | Equity | 0.27% |
| Tata Motors Ltd. | Automobile | Equity | 0.27% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| GHCL Ltd. | Chemicals | Equity | 0.26% |
| Chhattisgarh State | Others | SDL | 0.26% |
| Mphasis Ltd. | Technology | Equity | 0.26% |
| The Great Eastern Shipping Company Ltd. | Energy | Equity | 0.26% |
| Mindspace Business Parks REIT | Construction | REITs | 0.26% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.25% |
| Shivalik Bimetal Controls Ltd. | Capital Goods | Equity | 0.25% |
| General Insurance Corporation of India | Insurance | Equity | 0.25% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 0.25% |
| UPL Ltd. | Chemicals | Equity | 0.25% |
| Colgate-Palmolive (India) Ltd. | Consumer Staples | Equity | 0.25% |
| DCM Shriram Ltd. | Chemicals | Equity | 0.25% |
| VRL Logistics Ltd. | Services | Equity | 0.24% |
| Indo Count Industries Ltd. | Textiles | Equity | 0.21% |
| Bharti Airtel Ltd. - (Partly Paid up Equity Shares (Rights Issue)) | Communication | PPE | 0.20% |
| S.P. Apparels Ltd. | Textiles | Equity | 0.17% |
| Rossari Biotech Ltd. | Chemicals | Equity | 0.15% |
| UTI Nifty 50 ETF | -- | Mutual Fund | 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 10 yr Benchmark G-Sec ETF - Growth | -- | Mutual Fund | 0.10% |
| Bharat Coking Coal Ltd. | Energy | Equity | 0.10% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.10% |
| Haryana State | Others | SDL | 0.02% |
| Maharashtra State | Others | SDL | 0.01% |
| 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 | +11.9% | +11.0% | +10.1% | +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
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
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 ₹3,96,376 Cr and the Latest NAV as of 20 Mar 2026 is ₹52.99.
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₹3,96,376.13 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,