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UTI Retirement Fund Plan
ELSS • 5Y Lock-in
Hybrid
Balanced Hybrid
High Risk
+11.90%
3Y annualised
-0.25% 1D
NAV: 09 Jan '26
₹50.53
Min. SIP amount
Not Supported
Fund size
₹4,745.25 Cr
Expense ratio
1.68%
Holdings (125)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 6.75% |
| GOI | Sovereign | GOI Sec | 4.08% |
| GOI | Sovereign | GOI Sec | 3.60% |
| GOI | Sovereign | GOI Sec | 3.60% |
| HDFC Bank Ltd. | Financial | Equity | 3.34% |
| HDFC Bank Ltd. | Financial | Debenture | 2.71% |
| GOI | Sovereign | GOI Sec | 2.59% |
| ICICI Bank Ltd. | Financial | Equity | 2.58% |
| GOI | Sovereign | GOI Sec | 2.27% |
| Infosys Ltd. | Technology | Equity | 2.23% |
| Reliance Industries Ltd. | Energy | Equity | 1.79% |
| GOI | Sovereign | GOI Sec | 1.77% |
| Power Finance Corporation Ltd. | Financial | FD | 1.62% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 1.60% |
| ITC Ltd. | Consumer Staples | Equity | 1.58% |
| GOI | Sovereign | GOI Sec | 1.55% |
| Rajasthan State | Others | SDL | 1.20% |
| Vedanta Ltd. | Metals & Mining | Equity | 1.19% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.17% |
| GOI | Sovereign | GOI Sec | 1.15% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.07% |
| Export-Import Bank Of India | Financial | Bonds | 1.06% |
| Aditya Birla Finance Ltd. | Financial | Debenture | 1.06% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.06% |
| Power Finance Corporation Ltd. | Financial | Bonds | 1.06% |
| West Bengal State | Others | SDL | 1.05% |
| Indus Towers Ltd. | Communication | Equity | 1.05% |
| Andhra Pradesh State | Financial | SDL | 1.05% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.05% |
| Andhra Pradesh State | Financial | SDL | 1.01% |
| Maharashtra State | Others | SDL | 1.01% |
| HCL Technologies Ltd. | Technology | Equity | 0.96% |
| Wipro Ltd. | Technology | Equity | 0.93% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.92% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.91% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 0.82% |
| State Bank of India | Financial | Equity | 0.80% |
| Interglobe Aviation Ltd. | Services | Equity | 0.76% |
| Shriram Finance Ltd | Financial | Equity | 0.72% |
| Maharashtra State | Others | SDL | 0.72% |
| Tamilnadu State | Others | SDL | 0.70% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.58% |
| NIIT Learning Systems Ltd. | Services | Equity | 0.57% |
| Bharti Airtel Ltd. | Communication | Equity | 0.55% |
| 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 | 0.53% |
| 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% |
| Rajasthan State | Others | SDL | 0.52% |
| Chhattisgarh State | Others | SDL | 0.52% |
| Axis Finance Ltd. | Financial | NCD | 0.52% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.52% |
| Telangana State | Financial | SDL | 0.52% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.52% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 0.52% |
| REC Ltd. | Financial | Bonds/NCD | 0.52% |
| Andhra Pradesh State | Financial | SDL | 0.52% |
| Andhra Pradesh State | Financial | SDL | 0.52% |
| Tamilnadu State | Others | SDL | 0.51% |
| Maharashtra State | Others | SDL | 0.51% |
| The Federal Bank Ltd. | Financial | Equity | 0.49% |
| Grasim Industries Ltd. | Construction | Equity | 0.48% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.48% |
| Bharat Petroleum Corporation Ltd. | Energy | Equity | 0.47% |
| Aurobindo Pharma Ltd. | Healthcare | Equity | 0.47% |
| Aditya Birla Capital Ltd. | Financial | Equity | 0.45% |
| Emami Ltd. | Consumer Staples | Equity | 0.45% |
| Coal India Ltd. | Energy | Equity | 0.44% |
| Knowledge Realty Trust | Construction | REITs | 0.44% |
| Caplin Point Laboratories Ltd. | Healthcare | Equity | 0.43% |
| The Great Eastern Shipping Company Ltd. | Energy | Equity | 0.43% |
| Mindspace Business Parks REIT | Construction | REITs | 0.41% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | Equity | 0.41% |
| Life Insurance Corporation of India | Insurance | Equity | 0.41% |
| Indusind Bank Ltd. | Financial | Equity | 0.39% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 0.38% |
| Indo Count Industries Ltd. | Textiles | Equity | 0.38% |
| Sundaram Finance Ltd. | Financial | Equity | 0.37% |
| Raymond Lifestyle Ltd. | Consumer Staples | Equity | 0.36% |
| Motilal Oswal Financial Services Ltd. | Financial | Equity | 0.36% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.36% |
| GR Infraprojects Ltd. | Construction | Equity | 0.35% |
| Oil India Ltd. | Energy | Equity | 0.35% |
| Max Financial Services Ltd. | Financial | Equity | 0.35% |
| The Phoenix Mills Ltd. | Construction | Equity | 0.33% |
| Piramal Finance Ltd. | Financial | Debenture | 0.33% |
| JK Paper Ltd. | Consumer Staples | Equity | 0.32% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.32% |
| REC Ltd. | Financial | Bonds | 0.31% |
| Tips Music Ltd. | Services | Equity | 0.28% |
| Indian Bank | Financial | Equity | 0.28% |
| Marksans Pharma Ltd. | Healthcare | Equity | 0.28% |
| Mphasis Ltd. | Technology | Equity | 0.27% |
| UPL Ltd. | Chemicals | Equity | 0.27% |
| DCM Shriram Ltd. | Chemicals | Equity | 0.27% |
| Tata Capital Ltd. | Financial | Equity | 0.27% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.26% |
| Petronet LNG Ltd. | Energy | Equity | 0.26% |
| IRB InvIT Fund | Construction | InvITs | 0.26% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | Equity | 0.25% |
| Indiamart Intermesh Ltd. | Services | Equity | 0.25% |
| GHCL Ltd. | Chemicals | Equity | 0.25% |
| Nexus Select Trust | Construction | REITs | 0.25% |
| Colgate-Palmolive (India) Ltd. | Consumer Staples | Equity | 0.24% |
| Shivalik Bimetal Controls Ltd. | Capital Goods | Equity | 0.23% |
| Bajaj Auto Ltd. | Automobile | Equity | 0.21% |
| Tamilnadu State | Others | SDL | 0.21% |
| Bharti Airtel Ltd. - (Partly Paid up Equity Shares (Rights Issue)) | Communication | PPE | 0.20% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.19% |
| Haryana State | Others | SDL | 0.18% |
| Rossari Biotech Ltd. | Chemicals | Equity | 0.18% |
| S.P. Apparels Ltd. | Textiles | Equity | 0.17% |
| Biocon Ltd. | Healthcare | Equity | 0.16% |
| 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 | ST Dep. | 0.10% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | NA | Mutual Fund | 0.10% |
| Tata Motors Ltd. | Automobile | Equity | 0.06% |
| 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 | +11.9% | +11.4% | +9.6% | +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
NA
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 ₹4,00,535 Cr and the Latest NAV as of 09 Jan 2026 is ₹50.53.
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₹4,00,535.15 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,