Stocks
Invest in Stocks
Invest in stocks, ETFs, IPOs with fast orders. Track returns on your stock holdings and view real-time P&L on your positions.
F&O
Mutual Funds
Invest in Mutual Funds
Invest in direct mutual funds at zero charges via lump sump investments or SIPs
UTI Retirement Fund Plan
ELSS • 5Y Lock-in
Hybrid
Balanced Hybrid
High Risk
+11.96%
3Y annualised
-0.02% 1D
NAV: 20 Feb '26
₹50.66
Min. for SIP
Not Supported
Fund size
₹4,729.30 Cr
Expense ratio
1.69%
Holdings (128)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 6.79% |
| GOI | Sovereign | GOI Sec | 4.07% |
| GOI | Sovereign | GOI Sec | 3.64% |
| GOI | Sovereign | GOI Sec | 3.62% |
| HDFC Bank Ltd. | Financial | Equity | 3.12% |
| HDFC Bank Ltd. | Financial | Debenture | 2.71% |
| GOI | Sovereign | GOI Sec | 2.61% |
| GOI | Sovereign | GOI Sec | 2.58% |
| ICICI Bank Ltd. | Financial | Equity | 2.55% |
| Infosys Ltd. | Technology | Equity | 2.29% |
| GOI | Sovereign | GOI Sec | 2.27% |
| Power Finance Corporation Ltd. | Financial | FD | 1.61% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 1.59% |
| GOI | Sovereign | GOI Sec | 1.56% |
| Reliance Industries Ltd. | Energy | Equity | 1.51% |
| Vedanta Ltd. | Metals & Mining | Equity | 1.27% |
| ITC Ltd. | Consumer Staples | Equity | 1.27% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.25% |
| Rajasthan State | Others | SDL | 1.19% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.07% |
| Aditya Birla Finance Ltd. | Financial | Debenture | 1.07% |
| Export-Import Bank Of India | Financial | Bonds | 1.05% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.05% |
| Power Finance Corporation Ltd. | Financial | Bonds | 1.04% |
| GOI | Sovereign | GOI Sec | 1.04% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.04% |
| HCL Technologies Ltd. | Technology | Equity | 1.02% |
| Indus Towers Ltd. | Communication | Equity | 1.01% |
| Andhra Pradesh State | Financial | SDL | 1.01% |
| HDFC Bank Ltd. | Financial | CD | 0.99% |
| National Bank For Agriculture & Rural Development | Financial | CD | 0.99% |
| Wipro Ltd. | Technology | Equity | 0.99% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 0.94% |
| State Bank of India | Financial | Equity | 0.89% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.85% |
| Shriram Finance Ltd | Financial | Equity | 0.82% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.75% |
| NIIT Learning Systems Ltd. | Services | Equity | 0.58% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.58% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.54% |
| 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 | 0.53% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 0.53% |
| Axis Finance Ltd. | Financial | NCD | 0.53% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 0.52% |
| REC Ltd. | Financial | Bonds/NCD | 0.52% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.52% |
| Bharti Airtel Ltd. | Communication | Equity | 0.52% |
| Coal India Ltd. | Energy | Equity | 0.52% |
| Rajasthan State | Others | SDL | 0.52% |
| Life Insurance Corporation of India | Insurance | Equity | 0.52% |
| Andhra Pradesh State | Financial | SDL | 0.52% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.52% |
| Andhra Pradesh State | Financial | SDL | 0.51% |
| Andhra Pradesh State | Financial | SDL | 0.51% |
| Maharashtra State | Others | SDL | 0.50% |
| Grasim Industries Ltd. | Construction | Equity | 0.50% |
| Indian Bank | Financial | CD | 0.50% |
| Canara Bank | Financial | CD | 0.49% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.49% |
| Aurobindo Pharma Ltd. | Healthcare | Equity | 0.47% |
| Knowledge Realty Trust | Construction | REITs | 0.46% |
| Oil India Ltd. | Energy | Equity | 0.44% |
| Interglobe Aviation Ltd. | Services | Equity | 0.43% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | Equity | 0.43% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.43% |
| Sundaram Finance Ltd. | Financial | Equity | 0.42% |
| The Federal Bank Ltd. | Financial | Equity | 0.42% |
| The Great Eastern Shipping Company Ltd. | Energy | Equity | 0.42% |
| Emami Ltd. | Consumer Staples | Equity | 0.42% |
| Indusind Bank Ltd. | Financial | Equity | 0.42% |
| Caplin Point Laboratories Ltd. | Healthcare | Equity | 0.41% |
| Mindspace Business Parks REIT | Construction | REITs | 0.39% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 0.39% |
| Nexus Select Trust | Construction | REITs | 0.37% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.36% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.36% |
| Aditya Birla Capital Ltd. | Financial | Equity | 0.35% |
| GR Infraprojects Ltd. | Construction | Equity | 0.35% |
| Petronet LNG Ltd. | Energy | Equity | 0.35% |
| Raymond Lifestyle Ltd. | Consumer Staples | Equity | 0.35% |
| JK Paper Ltd. | Consumer Staples | Equity | 0.34% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.34% |
| Piramal Finance Ltd. | Financial | Debenture | 0.34% |
| Max Financial Services Ltd. | Financial | Equity | 0.34% |
| IRB InvIT Fund | Construction | InvITs | 0.33% |
| Bharat Petroleum Corporation Ltd. | Energy | Equity | 0.33% |
| Indiamart Intermesh Ltd. | Services | Equity | 0.33% |
| The Phoenix Mills Ltd. | Construction | Equity | 0.33% |
| Mphasis Ltd. | Technology | Equity | 0.31% |
| REC Ltd. | Financial | Bonds | 0.31% |
| Maharashtra State | Others | SDL | 0.31% |
| Indian Bank | Financial | Equity | 0.30% |
| Tips Music Ltd. | Services | Equity | 0.29% |
| Motilal Oswal Financial Services Ltd. | Financial | Equity | 0.29% |
| Indo Count Industries Ltd. | Textiles | Equity | 0.28% |
| DCM Shriram Ltd. | Chemicals | Equity | 0.27% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | Equity | 0.27% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| Chhattisgarh State | Others | SDL | 0.26% |
| Marksans Pharma Ltd. | Healthcare | Equity | 0.26% |
| Biocon Ltd. | Healthcare | Equity | 0.26% |
| UPL Ltd. | Chemicals | Equity | 0.26% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.25% |
| Tata Motors Ltd. | Automobile | Equity | 0.25% |
| GHCL Ltd. | Chemicals | Equity | 0.24% |
| Colgate-Palmolive (India) Ltd. | Consumer Staples | Equity | 0.23% |
| Shivalik Bimetal Controls Ltd. | Capital Goods | Equity | 0.23% |
| Tata Capital Ltd. | Financial | Equity | 0.21% |
| Bharti Airtel Ltd. - (Partly Paid up Equity Shares (Rights Issue)) | Communication | PPE | 0.20% |
| Rossari Biotech Ltd. | Chemicals | Equity | 0.17% |
| S.P. Apparels Ltd. | Textiles | Equity | 0.17% |
| General Insurance Corporation of India | Insurance | Equity | 0.15% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.13% |
| Bharat Coking Coal Ltd. | Energy | Equity | 0.12% |
| 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 | 0.11% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | NA | Mutual Fund | 0.10% |
| VRL Logistics Ltd. | Services | Equity | 0.09% |
| 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
Not Supported
Min. for 2nd investment
Not Supported
Min. for SIP
Not Supported
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +12.0% | +11.0% | +10.1% | +10.3% |
| 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 SrivatsaSep 2009 - PresentView details
VS
V Srivatsa
Sep 2009 - 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 Plan
UTI Retirement Fund Plan 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 Plan fund. The fund currently has an Asset Under Management(AUM) of ₹3,93,335 Cr and the Latest NAV as of 20 Feb 2026 is ₹50.66.
The UTI Retirement Fund Plan is rated High risk. Minimum SIP Investment is set to ₹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₹3,93,334.93 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,