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OmniAsset › Mutual funds › UTI Retirement Fund

UTI Retirement Fund

Retirement fund benchmarked to CRISIL Short Term Debt Hybrid 60+40 Index. Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202654.895
CategoryRetirement
PlanDirect · Growth
Launched26 Dec 1994
Risk labelthe scheme's own riskometerHigh
Legal benchmarkSEBI Tier-1CRISIL Short Term Debt Hybrid 60+40 Index
Expense ratiodirect plan, a year1.16%
AUM₹218 Cr
Growth of ₹10,000₹15,6622 Sep 2021 to 2 Sep 2026
₹15,870₹14,377₹12,884₹11,391₹9,899Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹15,662 (+9.4% a year) UTI Retirement Fund

Performance (trailing, annualised)

1Y annualised3.64%
3Y annualised9.27%
5Y annualised9.39%
10Y annualised9.19%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,21,6132.49%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹3,92,4205.68%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,45,2198.60%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 202119.32%
Calendar 20226.03%
Calendar 202317.44%
Calendar 202415.22%
Calendar 20256.70%

Rolling returns

Rolling 1Y · average653 windows since 6 Jan 20149.85%
Rolling 1Y · median9.23%
Rolling 1Y · worst window-15.50%
Rolling 1Y · best window39.51%
Rolling 1Y · windows positive87%
Rolling 3Y · average551 windows since 4 Jan 20169.89%
Rolling 3Y · median10.57%
Rolling 3Y · worst window-1.67%
Rolling 3Y · best window18.36%
Rolling 3Y · windows positive98%
Rolling 5Y · average448 windows since 3 Jan 20189.57%
Rolling 5Y · median9.07%
Rolling 5Y · worst window2.81%
Rolling 5Y · best window18.00%
Rolling 5Y · windows positive100%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)5.79%
Downside deviation (3Y)4.03%
Maximum drawdown-6.27%

Management

Fund managerMr. Anurag Mittal, Mr. V Srivatsa
Managing since3 Nov 2025

What it holds

SecurityWeight
GOI Sec 7.18 24/07/20376.9%
GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 1003.5%
HDFC Bank Ltd3.2%
GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 1003.1%
ICICI Bank Ltd2.8%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 1002.6%
Infosys Ltd1.7%
POWER FINANCE CORPORATION LTD. SR BS233C 7.60 BD 25AG33 FVRS1LAC1.6%
Larsen & Toubro Ltd1.6%
GOVERNMENT OF INDIA 36204 GOI 14JL32 6.28 FV RS 1001.6%
SectorWeight
Financial28.9%
Entities20.8%
Unspecified10.8%
Technology5.4%
Industrials4.1%

Portfolio disclosed: 88.1% by weight.

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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