UTI Children's Hybrid Fund vs UTI Retirement Fund
Direct Plan, Growth option · Data as on 23-10-2026
UTI Children's Hybrid Fund is a Solution fund and UTI Retirement Fund is a Solution fund. In the 3 years to 30-10-2026, UTI Children's Hybrid Fund (Direct) returned 6.0% a year and UTI Retirement Fund (Direct) returned 8.4% a year. UTI Children's Hybrid Fund charges 1.51% a year and UTI Retirement Fund 1.16% (Direct plans). Their portfolios overlap 43.3%: they hold 57 of the same securities.
UTI Children's Hybrid Fund
Solution
- 3 year return
- 6.0%
- Expense ratio
- 1.51%
- NAV
- ₹40.19
Which is better, UTI Children's Hybrid or UTI Retirement? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI Retirement returned more over 5 years: 8.1% a year against 5.6%.
- UTI Retirement returned more over 3 years: 8.4% a year against 6.0%.
- UTI Retirement costs less: 1.16% a year against 1.51% (Direct plans).
- UTI Children's Hybrid swung less over 3 years: a standard deviation of 5.6% a year against 5.7%.
- UTI Children's Hybrid fell less in its worst fall since 02-01-2013: −18.7% against −18.9%.
- UTI Retirement is the larger fund: ₹4,578 Cr against ₹4,258 Cr.
- Their portfolios overlap 43.3%: 57 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | UTI Children's Hybrid Fund | UTI Retirement Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Category | Solution | Solution |
| AUM | ₹4,258 Cr (30-09-2026) | ₹4,578 Cr (30-09-2026) |
| NAV | ₹40.19 (Direct) | ₹53.47 (Direct) |
| Expense ratio (Direct) | 1.51% | 1.16% |
| Expense ratio (Regular) | 1.62% | 1.63% |
| Riskometer | Moderately High | High |
| Benchmark | CRISIL Short Term Debt Hybrid 60+40 Index | CRISIL Short Term Debt Hybrid 60+40 Index |
| Launch date | 12-07-1993 | 26-12-1994 |
| Minimum investment | Regular Plan-Scholarship- Discontinued, Regular Plan-Growth- Rs.1000, Direct Plan-Scholarship- Discontinued, Direct Plan-Growth- Rs.1000, | Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500, |
| Lock in | 5 years, or until retirement if earlier | 5 years, or until retirement if earlier |
| Fund managers | Anurag Mittal FM 1, Sachin Trivedi FM 2, Not Applicable FM 3 | Anurag Mittal FM 1, V Srivatsa FM 2, Not Applicable FM 3 |
| Exit load | Nil | Period of Holding *: (A) Less than one year – 1% (B) Greater than or equal to one year – Nil *Units shall not be under lock-in period. |
UTI Children's Hybrid vs UTI Retirement: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| UTI Children's Hybrid Fund (Direct) | −2.33% | −2.67% | −1.36% | −4.00% | +6.02% | +5.59% | +7.03% |
| UTI Retirement Fund (Direct) | −0.57% | −3.07% | −0.47% | −1.80% | +8.43% | +8.14% | +8.70% |
UTI Children's Hybrid vs UTI Retirement: Year-wise Returns
| Year | Children's HybridUTI Children's Hybrid | RetirementUTI Retirement |
|---|---|---|
| 2026to date | −3.83% | −2.98% |
| 2025 | +5.22% | +6.70% |
| 2024 | +10.81% | +15.22% |
| 2023 | +13.61% | +17.44% |
| 2022 | +2.86% | +6.03% |
| 2021 | +15.83% | +19.32% |
UTI Children's Hybrid vs UTI Retirement: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 2,662 of them, one for each trading day from 04-01-2016 to 23-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
UTI Children's Hybrid Fund (Direct)
UTI Retirement Fund (Direct)
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI Children's Hybrid | 1.2 | 9.5 | 49.8 | 38.2 | 1.2 | 0.0 | 0.0 | 9.0% | 9.5% | −2.0% | 16.4% |
| UTI Retirement | 1.5 | 14.9 | 26.0 | 51.8 | 5.9 | 0.0 | 0.0 | 9.9% | 10.5% | −2.4% | 19.2% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 02-01-2013. Past returns do not promise future returns.
UTI Children's Hybrid vs UTI Retirement: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-01-2013 to 23-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI Children's HybridUTI Children's Hybrid Fund (Direct) | ₹16,60,000 | ₹28,51,472 | ₹11,91,472 | 7.5% |
| UTI RetirementUTI Retirement Fund (Direct) | ₹16,60,000 | ₹31,94,695 | ₹15,34,695 | 9.0% |
UTI Children's HybridUTI Children's Hybrid Fund (Direct)
UTI RetirementUTI Retirement Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
UTI Children's Hybrid vs UTI Retirement: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI Children's Hybrid Fund (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | −4.00% | −1.80% |
| Standard deviation | 5.89% | 5.94% |
| Sharpe ratio | -1.57 | -1.19 |
| Sortino ratio | -2.07 | -1.59 |
| Maximum drawdown | −7.1% (30-03-2026) | −6.3% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 23-10-2025 to 23-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | UTI Children's Hybrid Fund (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.02% | +8.43% |
| Standard deviation | 5.59% | 5.75% |
| Sharpe ratio | -0.00 | 0.42 |
| Sortino ratio | -0.00 | 0.57 |
| Maximum drawdown | −7.1% (30-03-2026) | −6.3% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 23-10-2023 to 23-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | UTI Children's Hybrid Fund (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.59% | +8.14% |
| Standard deviation | 5.66% | 5.74% |
| Sharpe ratio | -0.04 | 0.41 |
| Sortino ratio | -0.05 | 0.55 |
| Maximum drawdown | −7.3% (17-06-2022) | −6.3% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 22-10-2021 to 23-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | UTI Children's Hybrid Fund (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.50% | +8.10% |
| Standard deviation | 7.22% | 7.35% |
| Sharpe ratio | 0.20 | 0.28 |
| Sortino ratio | 0.25 | 0.34 |
| Maximum drawdown | −18.7% (23-03-2020) | −18.9% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 02-01-2013 to 23-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
UTI Children's Hybrid Fund (Direct)
UTI Retirement Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| UTI Children's Hybrid Fund (Direct) | −18.7% | 20-02-2020 | 23-03-2020 | 12-10-2020 | 7 months | −4.4% |
| UTI Retirement Fund (Direct) | −18.9% | 03-06-2019 | 23-03-2020 | 27-08-2020 | 5 months | −3.9% |
From daily values since 02-01-2013, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
UTI Children's Hybrid Fund (Direct)
UTI Retirement Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
UTI Children's Hybrid Fund (Direct)
UTI Retirement Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
UTI Children's Hybrid Fund (Direct)
UTI Retirement Fund (Direct)
UTI Children's Hybrid vs UTI Retirement: Portfolio Overlap
From each fund's latest monthly portfolio: UTI Children's Hybrid Fund, September 2026; UTI Retirement Fund, September 2026
Holdings in common
- Overlap
- 43.3%
- Held by both
- 57
- Only in UTI Children's Hybrid
- 75
- Only in UTI Retirement
- 63
| Security | % of UTI Children's Hybrid | % of UTI Retirement |
|---|---|---|
| 07.32% GSEC MAT -13/11/2030 | 3.94% | 3.11% |
| 7.24% GSEC MAT- 18/08/2055 | 3.34% | 3.11% |
| EQ - HDFC BANK LIMITED | 2.92% | 3.19% |
| EQ - ICICI BANK LTD | 2.76% | 2.96% |
| 07.18% GSEC MAT -24/07/2037 | 2.69% | 6.20% |
| CP EXPORT IMPORT BANK OF INDIA | 2.28% | 2.12% |
| EQ - RELIANCE INDUSTRIES LTD. | 1.52% | 2.12% |
| EQ - INFOSYS LTD. | 1.27% | 1.96% |
| 07.32% RAJASTHAN SGS Mat - 24/09/2035 | 1.86% | 1.20% |
| MF UNITS UTI - FLOATER FUND | 1.18% | 1.75% |
| NCD POWER FINANCE CORPORATION LTD. | 1.16% | 1.61% |
| NCD REC LTD | 1.17% | 1.09% |
| 06.94% GSEC Mat- 11/05/2036 | 1.16% | 1.08% |
| CD - NABARD - 28/01/2027 | 1.15% | 1.07% |
| 6.82% ANDHRA SGS MAT -04/06/2036 | 1.09% | 1.01% |
| EQ - BHARTI AIRTEL LTD. | 1.72% | 0.93% |
| EQ - LARSEN & TOUBRO LTD. | 0.70% | 1.53% |
| EQ - STATE BANK OF INDIA | 0.66% | 1.33% |
| NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED | 0.59% | 1.09% |
| NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | 0.58% | 1.08% |
| 6.28% GSEC MAT- 14/07/2032 | 0.57% | 1.58% |
| NCD REC LTD | 1.17% | 0.55% |
| NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | 1.15% | 0.54% |
| NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED | 0.58% | 0.54% |
| NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED | 0.58% | 0.54% |
| NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | 0.58% | 0.54% |
| NCD BAJAJ FINANCE LTD. | 0.58% | 0.54% |
| NCD POONAWALLA FINCORP LTD. | 0.58% | 0.54% |
| NCD AXIS FINANCE LTD | 0.58% | 0.54% |
| EQ - AJANTA PHARMA LTD. | 1.00% | 0.53% |
| CD - CANARA BANK - 28/01/2027 | 0.57% | 0.53% |
| CD - SMALL INDST. DEV. BANK OF INDIA - 28/01/2027 | 0.57% | 0.53% |
| 07.73% XIRR PTC- SHIVSHAKTI SECURITISATION TRUST-28/09/2029 | 0.74% | 0.52% |
| 6.96% AP SDL MAT - 06/08/2034 | 0.56% | 0.52% |
| 07.23% RAJASTHAN SGS Mat - 23/10/2035 | 0.56% | 0.52% |
| 7.08% A P SGL MAT - 26/03/2037 | 0.55% | 0.51% |
| 6.99% WB SDL MAT - 29/09/2036 | 0.46% | 0.82% |
| EQ - CROMPTON GREAVES CONSUMER ELEC | 0.40% | 0.40% |
| EQ - PHOENIX MILLS LTD | 0.71% | 0.36% |
| INVIT - IRB INVIT FUND | 0.39% | 0.36% |
| NCD PIRAMAL FINANCE LIMITED | 0.40% | 0.33% |
| EQ - POWER GRID CORPORATION OF INDI | 0.32% | 1.08% |
| NCD GODREJ SEEDS AND GENETICS LIMITED | 0.29% | 0.27% |
| NCD GODREJ SEEDS AND GENETICS LIMITED | 0.29% | 0.27% |
| EQ - HERO MOTOCORP LTD. | 0.25% | 0.67% |
| EQ - COAL INDIA LTD. | 0.23% | 0.77% |
| EQ - TIPS MUSIC LIMITED | 0.11% | 0.25% |
| MF UNITS Nifty 5 yr Benchmark G-Sec ETF ETF | 0.11% | 0.12% |
| MF UNITS Nifty 10 yr Benchmark G-Sec ETF ETF | 0.11% | 0.10% |
| EQ - VEDANTA ALUMINIUM METAL LTD. | 0.10% | 0.66% |
| EQ - OIL & NATURAL GAS CORPORATION | 0.09% | 0.55% |
| 07.73% HARYANA SGS Mat - 18/02/2045 | 0.09% | 0.08% |
| INVIT - INDUS INFRA TRUST | 0.21% | 0.07% |
| 7.48% UTTAR PRADESH SDL 20/03/2036 | 0.05% | 0.04% |
| MF UNITS UTI BSE India Sector Leaders Exchange Traded Fund ETF | 0.04% | 0.04% |
| EQ - MAHINDRA & MAHINDRA LTD. | 0.02% | 0.79% |
| 7.19% MAHARASHTRA SDL-27/02/2040 | 0.02% | 0.01% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 43.3% means 43.3% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in UTI Children's Hybrid Fund
| Security | % of fund |
|---|---|
| CP EXPORT IMPORT BANK OF INDIA | 2.32% |
| CP BAJAJ FINANCIAL SECURITIES LTD | 2.30% |
| EQ - AXIS BANK LTD. | 1.61% |
| EQ - BAJAJ FINANCE LTD. | 1.57% |
| NCD BAJAJ AUTO CREDIT LIMITED | 1.28% |
Largest holdings only in UTI Retirement Fund
| Security | % of fund |
|---|---|
| EQ - ITC LTD. | 1.33% |
| 7.73% WEST BENGAL SGS Mat - 04/02/2043 | 1.13% |
| NCD ADITYA BIRLA CAPITAL LTD | 1.09% |
| NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | 1.08% |
| NCD EXPORT IMPORT BANK OF INDIA | 1.07% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI Children's Hybrid | UTI Retirement |
|---|---|---|
| Equity | 36.2% | 36.7% |
| Debt | 48.1% | 45.3% |
| Cash and others | 15.7% | 18.1% |
Market cap of stocks
| Market cap | UTI Children's Hybrid | UTI Retirement |
|---|---|---|
| Large Cap | 26.6% | 24.3% |
| Mid Cap | 6.1% | 6.1% |
| Small Cap | 3.5% | 6.2% |
| Not on AMFI's list | 0.0% | 0.1% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | UTI Children's Hybrid | UTI Retirement |
|---|---|---|
| Banks | 8.9% | 8.1% |
| IT - Software | 3.4% | 3.1% |
| Pharmaceuticals & Biotechnology | 1.0% | 2.6% |
| Consumer Durables | 2.5% | 0.4% |
| Finance | 2.1% | 1.6% |
| Petroleum Products | 1.6% | 2.1% |
| Construction | 0.7% | 1.9% |
| Telecom - Services | 1.7% | 1.6% |
| Automobiles | 1.7% | 1.5% |
The six largest sectors of each fund's stocks, % of the fund.
UTI Children's Hybrid vs UTI Retirement: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI Children's Hybrid Fund | UTI Retirement Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.51% | 1.16% |
| Base expense ratio (Direct) | 1.27% | 0.94% |
| Total expense ratio (Regular) | 1.62% | 1.63% |
| Base expense ratio (Regular) | 1.37% | 1.36% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
UTI Children's Hybrid Fund vs UTI Retirement Fund: Frequently Asked Questions
What is the difference between UTI Children's Hybrid Fund and UTI Retirement Fund?
UTI Children's Hybrid Fund is a Solution fund, UTI Retirement Fund is a Solution fund, run by UTI Mutual Fund. Their portfolios overlap 43.3%. UTI Children's Hybrid Fund charges 1.51% a year and UTI Retirement Fund 1.16%.
Which has given higher returns, UTI Children's Hybrid Fund or UTI Retirement Fund?
Over 1 year: UTI Children's Hybrid Fund −4.00%, UTI Retirement Fund −1.80%. Over 3 years: UTI Children's Hybrid Fund +6.02% a year, UTI Retirement Fund +8.43% a year. Over 5 years: UTI Children's Hybrid Fund +5.59% a year, UTI Retirement Fund +8.14% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, UTI Children's Hybrid Fund or UTI Retirement Fund?
UTI Retirement Fund charges less: 1.16% a year against 1.51%. These are the Direct plans' total expense ratios reported to AMFI.
How much do UTI Children's Hybrid Fund and UTI Retirement Fund overlap?
43.3%. They hold 57 of the same securities, the largest shared ones being 07.32% GSEC MAT -13/11/2030, 7.24% GSEC MAT- 18/08/2055, HDFCBANK. From each fund's latest monthly portfolio.
Which is riskier, UTI Children's Hybrid Fund or UTI Retirement Fund?
On SEBI's riskometer, UTI Children's Hybrid Fund is rated Moderately High and UTI Retirement Fund High. Over 3 years, the standard deviation of daily returns was 5.59% and 5.75% a year.
Which is better for SIP, UTI Children's Hybrid Fund or UTI Retirement Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 23-10-2026 grew to ₹6,86,894 in UTI Children's Hybrid Fund (XIRR 4.7% a year) and ₹7,30,976 in UTI Retirement Fund (XIRR 7.1% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both UTI Children's Hybrid Fund and UTI Retirement Fund?
Yes. 43.3% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages UTI Children's Hybrid Fund and UTI Retirement Fund?
UTI Children's Hybrid Fund: Anurag Mittal FM 1, Sachin Trivedi FM 2, Not Applicable FM 3. UTI Retirement Fund: Anurag Mittal FM 1, V Srivatsa FM 2, Not Applicable FM 3.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.