UTI Retirement Fund - Regular Plan

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Solutions Oriented
Retirement
Rating 3
Plan

50.54 -0.02 (-0.03%) NAV as on 14 Jan, 2026

5D
1M
6M
1Y
5Y
MAX

Key Metrics

AUM (in Cr)4791.43
CAGR 7.05%
Exit Load1.00%
Expense ratio1.65%
CategorySolutions Oriented
Min Investment500
Min SIP500
Launch Date1994-12-26

Asset Allocation

Holdings As On - 17 January 2026

Holdings

Sectors

Name
Value (Cr)
Holding %

7.18% Govt Stock 2037
322.85
6.74%

Net Current Assets
284.62
5.94%

6.68% Govt Stock 2040
194.21
4.06%

7.32% Govt Stock 2030
171.35
3.58%

HDFC Bank
157.21
3.28%

HDFC Bank Limited
129.15
2.70%

7.24% Govt Stock 2055
124.66
2.60%

6.33% Govt Stock 2035
122.65
2.56%

ICICI Bank
119.54
2.50%

7.1% Govt Stock 2034
108.01
2.26%

Peer Comparison

Risk & Volitility

Alpha 0.00%
Beta 0.00
Sharpe Ratio0.97
Std Deviation 5.51%
Tracking Error 0.00%

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 4791.43 crores & has delivered CAGR of 11.29% in the last 5 years. The fund has an exit load of 1.00% and an expense ratio of 1.65%. 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 & High respectively.

The top holdings of the fund include 7.18% Govt Stock 2037, Net Current Assets, 6.68% Govt Stock 2040 & 7.32% Govt Stock 2030.

The major sectors where the fund is invested are Regional Banks, Software & Programming, Construction Services & Oil & Gas Operations.

Some of the similar funds are HDFC Retirement Savings Fund - Equity Plan - Regular Plan, Nippon India Retirement Fund - Wealth Creation Scheme - Regular Growth, UTI Retirement Fund - Regular Plan, Tata Retirement Savings Moderate Fund Growth, SBI Retirement Benefit Fund - Aggressive Plan Regular Growth. UTI Retirement Fund - Regular Plan has a sharpe ratio of 0.97 & a standard deviation of 5.51%.