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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 Plan
+9.78%
3Y annualised
-0.06% 1D
NAV: 15 May '26
₹49.38
Min. for SIP
₹500
Fund size (AUM)
₹4,629.57 Cr
Expense ratio
1.58%
Rating
--
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹59,477 | -0.87% | |
| 3 years | ₹1,80,000 | ₹1,94,268 | +7.93% | |
| 5 years | ₹3,00,000 | ₹3,65,630 | +21.88% | |
| 10 years | ₹6,00,000 | ₹9,52,166 | +58.69% |
Holdings (135)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 6.83% |
| GOI | Sovereign | GOI Sec | 3.46% |
| GOI | Sovereign | GOI Sec | 3.10% |
| HDFC Bank Ltd. | Financial | Debenture | 2.72% |
| HDFC Bank Ltd. | Financial | Equity | 2.64% |
| GOI | Sovereign | GOI Sec | 2.59% |
| ICICI Bank Ltd. | Financial | Equity | 2.43% |
| Infosys Ltd. | Technology | Equity | 1.73% |
| Power Finance Corporation Ltd. | Financial | FD | 1.61% |
| GOI | Sovereign | GOI Sec | 1.57% |
| Reliance Industries Ltd. | Energy | Equity | 1.53% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.50% |
| ITC Ltd. | Consumer Staples | Equity | 1.30% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 1.24% |
| Rajasthan State | Others | SDL | 1.20% |
| Bharti Airtel Ltd. | Communication | Equity | 1.15% |
| West Bengal State | Others | SDL | 1.12% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.08% |
| Andhra Pradesh State | Financial | SDL | 1.08% |
| Aditya Birla Finance Ltd. | Financial | Debenture | 1.08% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 1.07% |
| Export-Import Bank Of India | Financial | Bonds | 1.07% |
| Kerala State | Others | SDL | 1.07% |
| West Bengal State | Others | SDL | 1.07% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.06% |
| Haryana State | Others | SDL | 1.06% |
| GOI | Sovereign | GOI Sec | 1.05% |
| Power Finance Corporation Ltd. | Financial | Bonds | 1.05% |
| GOI | Sovereign | GOI Sec | 1.04% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.04% |
| National Bank For Agriculture & Rural Development | Financial | CD | 1.02% |
| Andhra Pradesh State | Financial | SDL | 1.02% |
| Madhya Pradesh State | Others | SDL | 1.02% |
| Wipro Ltd. | Technology | Equity | 0.99% |
| GOI | Sovereign | GOI Sec | 0.94% |
| State Bank of India | Financial | Equity | 0.83% |
| West Bengal State | Others | SDL | 0.82% |
| Indus Towers Ltd. | Communication | Equity | 0.81% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.78% |
| Shriram Finance Ltd | Financial | Equity | 0.77% |
| HCL Technologies Ltd. | Technology | Equity | 0.77% |
| Life Insurance Corporation of India | Insurance | Equity | 0.67% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.66% |
| Aurobindo Pharma Ltd. | Healthcare | Equity | 0.60% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.58% |
| Uttar Pradesh State | Others | SDL | 0.57% |
| Tata Power Company Ltd. | Energy | Equity | 0.56% |
| Emami Ltd. | Consumer Staples | Equity | 0.55% |
| Coal India Ltd. | Energy | Equity | 0.55% |
| NIIT Learning Systems Ltd. | Services | Equity | 0.55% |
| LIC Housing Finance Ltd. | Financial | NCD | 0.54% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.54% |
| REC Ltd. | Financial | Bonds/NCD | 0.54% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 0.54% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.54% |
| West Bengal State | Others | SDL | 0.54% |
| Aditya Birla Housing Finance Ltd. | Financial | NCD | 0.54% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.53% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 0.53% |
| Axis Finance Ltd. | Financial | NCD | 0.53% |
| Madhya Pradesh State | Others | SDL | 0.53% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 0.53% |
| Andhra Pradesh State | Financial | SDL | 0.52% |
| Rajasthan State | Others | SDL | 0.52% |
| Grasim Industries Ltd. | Construction | Equity | 0.51% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.51% |
| Canara Bank | Financial | CD | 0.51% |
| Andhra Pradesh State | Financial | SDL | 0.51% |
| Maharashtra State | Others | SDL | 0.50% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.49% |
| DCM Shriram Ltd. | Chemicals | Equity | 0.47% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.46% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.46% |
| Caplin Point Laboratories Ltd. | Healthcare | Equity | 0.45% |
| Interglobe Aviation Ltd. | Services | Equity | 0.45% |
| Knowledge Realty Trust | Construction | REITs | 0.45% |
| Info Edge (India) Ltd. | Services | Equity | 0.44% |
| The Federal Bank Ltd. | Financial | Equity | 0.43% |
| GHCL Ltd. | Chemicals | Equity | 0.43% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.43% |
| Oil India Ltd. | Energy | Equity | 0.43% |
| Nexus Select Trust | Construction | REITs | 0.43% |
| West Bengal State | Others | SDL | 0.42% |
| JK Paper Ltd. | Consumer Staples | Equity | 0.40% |
| GR Infraprojects Ltd. | Construction | Equity | 0.39% |
| Indusind Bank Ltd. | Financial | Equity | 0.38% |
| Shivalik Bimetal Controls Ltd. | Capital Goods | Equity | 0.38% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | Equity | 0.38% |
| The Phoenix Mills Ltd. | Construction | Equity | 0.37% |
| Vedanta Ltd. | Metals & Mining | Equity | 0.37% |
| Sundaram Finance Ltd. | Financial | Equity | 0.37% |
| Uttar Pradesh State | Others | SDL | 0.37% |
| Aditya Birla Capital Ltd. | Financial | Equity | 0.37% |
| Tips Music Ltd. | Services | Equity | 0.36% |
| Motilal Oswal Financial Services Ltd. | Financial | Equity | 0.36% |
| VRL Logistics Ltd. | Services | Equity | 0.36% |
| Piramal Finance Ltd. | Financial | Debenture | 0.34% |
| IRB InvIT Fund | Construction | InvITs | 0.34% |
| Marksans Pharma Ltd. | Healthcare | Equity | 0.32% |
| The Great Eastern Shipping Company Ltd. | Energy | Equity | 0.31% |
| Max Financial Services Ltd. | Financial | Equity | 0.31% |
| REC Ltd. | Financial | Bonds | 0.31% |
| Maharashtra State | Others | SDL | 0.31% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.30% |
| West Bengal State | Others | SDL | 0.29% |
| Colgate-Palmolive (India) Ltd. | Consumer Staples | Equity | 0.28% |
| General Insurance Corporation of India | Insurance | Equity | 0.28% |
| Raymond Lifestyle Ltd. | Consumer Staples | Equity | 0.27% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.27% |
| Torrent Pharmaceuticals Ltd. | Healthcare | NCD | 0.26% |
| UPL Ltd. | Chemicals | Equity | 0.26% |
| Biocon Ltd. | Healthcare | Equity | 0.26% |
| Chhattisgarh State | Others | SDL | 0.26% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | Equity | 0.26% |
| Tata Motors Ltd. | Automobile | Equity | 0.26% |
| S.P. Apparels Ltd. | Textiles | Equity | 0.22% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 0.21% |
| Vedanta Power Ltd. | Capital Goods | Equity | 0.19% |
| Malco Energy Ltd. | Metals & Mining | Equity | 0.19% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | Equity | 0.19% |
| Vedanta Iron And Steel Ltd. | Metals & Mining | Equity | 0.19% |
| REC Ltd. | Financial | Equity | 0.18% |
| Mindspace Business Parks REIT | Construction | REITs | 0.17% |
| Rossari Biotech Ltd. | Chemicals | Equity | 0.15% |
| Axis Bank Ltd. | Financial | ST Dep. | 0.11% |
| UTI Nifty 50 ETF | -- | Mutual Fund | 0.11% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | -- | Mutual Fund | 0.11% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | -- | Mutual Fund | 0.10% |
| Mphasis Ltd. | Technology | Equity | 0.06% |
| Bharat Petroleum Corporation Ltd. | Energy | Equity | 0.05% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.03% |
| 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 | +9.8% | +9.9% | +9.1% | +10.1% |
| 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
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 ₹3,96,629 Cr and the Latest NAV as of 15 May 2026 is ₹49.38.
The UTI Retirement Fund Plan 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₹3,96,629.25 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,