UTI Retirement Fund - Regular Plan
- Retirement
- Solutions Oriented
- Moderately High risk
Rating:
3
Key Metrics
Aum
₹4,698.33 Cr
Expense Ratio
1.61%
Exit Load
1.00%
Min. Investment
₹500.00
Min. SIP
₹500.00
Launch Date
26 Dec 1994
CAGR Returns
| Period | Absolute(%) | Annualised(%) |
|---|---|---|
| 1 Month | +1.39% | -- |
| 3 Months | +1.48% | -- |
| 6 Months | +0.23% | -- |
| 1 Year | +1.02% | +1.02% |
| 2 Years | -- | +3.75% |
| 3 Years | +30.6% | +9.31% |
| 5 Years | +56.67% | +9.4% |
| Since Launch | +1977.19% | +10.09% |
Holdings as on 17 Jul 2026
| Name | Value (₹Cr) | Holding % |
|---|---|---|
| Net Current Assets | 557.52 | 11.87 |
| 7.18% Govt Stock 2037 | 324.05 | 6.90 |
| 6.68% Govt Stock 2040 | 165.66 | 3.53 |
| HDFC Bank | 150.10 | 3.19 |
| 7.32% Govt Stock 2030 | 144.76 | 3.08 |
| ICICI Bank | 130.66 | 2.78 |
| 7.24% Govt Stock 2055 | 123.98 | 2.64 |
| Infosys | 78.15 | 1.66 |
| Power Finance Corporation Limited | 76.21 | 1.62 |
| Larsen & Toubro Ltd | 75.32 | 1.60 |
Morning Star Rating
Rating:
3
Risk
Return
Risk & Volitility
0.46
Sharpe Ratio
6.70%
Std. Deviation
--
Tracking Error
--
Alpha
--
Beta
Peer Comparison
| Fund Name | 1Y | 3Y | 5Y |
|---|---|---|---|
| Nippon India Retirement Fund - Wealth Creation Scheme - Regular Growth | -0.68% | +12.65% | +12.29% |
| Tata Retirement Savings Moderate Fund Growth | +3.56% | +12.88% | +10.7% |
| HDFC Retirement Savings Fund - Equity Plan - Regular Plan | -4.7% | +10.35% | +12.47% |
| UTI Retirement Fund - Regular Plan | +1.02% | +9.31% | +9.4% |
| SBI Retirement Benefit Fund - Aggressive Plan Regular Growth | -0.78% | +8.99% | +11.58% |
Results are calculated on CAGR basis
About Fund
The investment objective of the scheme is primarily 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. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.
The UTI Retirement Fund - Regular Plan has an AUM of 4698.33 crores & has delivered CAGR of 9.40 in the last 5 years. The fund has an exit load of 1.00% and an expense ratio of 1.61%. The minimum investment in UTI Retirement Fund - Regular Plan is Rs 500 and the minimum SIP is Rs 500.
As per morningstar the risk & return rating of the fund are Moderate & Good respectively.
The fund has a present cash holding of %. The top holdings of the fund include Net Current Assets, 7.18% Govt Stock 2037, 6.68% Govt Stock 2040, HDFC Bank.
The major sectors where the fund is invested are Regional Banks, Construction Services, Software & Programming, Biotechnology & Drugs.
Some of the similar funds are Nippon India Retirement Fund - Wealth Creation Scheme - Regular Growth, Tata Retirement Savings Moderate Fund Growth, HDFC Retirement Savings Fund - Equity Plan - Regular Plan, UTI Retirement Fund - Regular Plan, SBI Retirement Benefit Fund - Aggressive Plan Regular Growth. UTI Retirement Fund - Regular Plan has a sharpe ratio of 0.46 & a standard deviation of 6.70%.
FAQs
According to the morning star rating UTI Retirement Fund - Regular Plan has a Moderate risk & Good return.
UTI Retirement Fund - Regular Plan is managed by V Srivatsa,Anurag Mittal.
The expense ratio of UTI Retirement Fund - Regular Plan is 1.61%.
The 5 year annualized return on UTI Retirement Fund - Regular Plan is 9.40% & it has generated 1.02% in the last 1 year.
The minimum investment in UTI Retirement Fund - Regular Plan is 500 Rs.
UTI Retirement Fund - Regular Plan has an AUM of 4698.33 crores.
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