UTI Retirement Fund

SolutionDirect and Regular plans, Growth option

Data as on 30-10-2026

UTI Retirement Fund is a mutual fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹4,578 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 8.4% a year and its Regular plan returned 7.8% a year.

NAV (Direct plan): ₹53.47; ▼ 0.06%30-10-2026
NAV (Regular plan): ₹49.20; ▼ 0.06%30-10-2026
Expense ratio: 1.16%Direct1.63%Regular; 1.16%; A year
Riskometer: High; Set by the fund house
3 year return: 8.4%Direct7.8%Regular; 8.4%; A year

UTI Retirement Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹53.47 (down 0.06% that day); Regular Plan Growth ₹49.20 (down 0.06% that day).

This fund (Direct plan)

₹53.4703

UTI Retirement Fund Returns

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−0.57%	−3.07%	−0.47%	−1.80%	+8.43%	+8.14%	+8.70%
This fund (Regular)	−0.61%	−3.19%	−0.73%	−2.32%	+7.78%	+7.46%	+8.02%
Category average	--	--	--	--	--	--	--
Best in category	--	--	--	--	--	--	--
Worst in category	--	--	--	--	--	--	--
Rank in category	--	--	--	--	--	--	--

No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. This fund's benchmark is CRISIL Short Term Debt Hybrid 60+40 Index. Returns of that index are not available to us.

UTI Retirement Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	−2.98%	−3.41%
2025	+6.70%	+6.06%
2024	+15.22%	+14.47%
2023	+17.44%	+16.69%
2022	+6.03%	+5.28%
2021	+19.32%	+18.53%

UTI Retirement Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,666 periods, one for each trading day from 04-01-2016 to 30-10-2026.

−5%0%5%10%15%20%

Nov 2013
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025

UTI Retirement Fund (Direct)

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss
1 year	3,154	8.9%	−17.7%	40.8%	14%
2 years	2,912	10.1%	−7.7%	26.9%	7%
3 years	2,666	10.5%	−2.4%	19.2%	1%
5 years	2,173	9.1%	2.3%	18.0%	0%
7 years	1,684	9.4%	3.3%	11.7%	0%
10 years	941	9.9%	7.6%	11.0%	0%

Every SIP holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss
1 year	154	8.7%	−21.7%	32.8%	15%
2 years	142	10.4%	−12.3%	24.6%	8%
3 years	130	11.2%	−7.9%	18.4%	5%
5 years	106	10.2%	−1.3%	17.0%	1%
7 years	82	10.2%	1.6%	14.2%	0%
10 years	46	10.6%	8.7%	12.3%	0%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.

UTI Retirement Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	UTI Retirement Fund (Direct)This fund
Return (CAGR)	−1.80%
Standard deviation	5.94%
Sharpe ratio	-1.19
Sortino ratio	-1.59
Maximum drawdown	−6.3% (30-03-2026)

From daily NAVs, 30-10-2025 to 30-10-2026. 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.

Measure	UTI Retirement Fund (Direct)This fund
Return (CAGR)	+8.43%
Standard deviation	5.75%
Sharpe ratio	0.42
Sortino ratio	0.57
Maximum drawdown	−6.3% (30-03-2026)

From daily NAVs, 30-10-2023 to 30-10-2026. 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.

Measure	UTI Retirement Fund (Direct)This fund
Return (CAGR)	+8.14%
Standard deviation	5.74%
Sharpe ratio	0.41
Sortino ratio	0.55
Maximum drawdown	−6.3% (30-03-2026)

From daily NAVs, 29-10-2021 to 30-10-2026. 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.

Measure	UTI Retirement Fund (Direct)This fund
Return (CAGR)	+8.70%
Standard deviation	6.55%
Sharpe ratio	0.50
Sortino ratio	0.67
Maximum drawdown	−18.9% (23-03-2020)

From daily NAVs, 28-10-2016 to 30-10-2026. 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.

Measure	UTI Retirement Fund (Direct)This fund
Return (CAGR)	+8.10%
Standard deviation	7.35%
Sharpe ratio	0.28
Sortino ratio	0.34
Maximum drawdown	−18.9% (23-03-2020)

From daily NAVs, 02-01-2013 to 30-10-2026. 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.

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.

−20%−15%−10%−5%0%

2014201620182020202220242026

UTI Retirement Fund (Direct)

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
UTI Retirement Fund (Direct)	−18.9%	03-06-2019	23-03-2020	27-08-2020	5 months	−3.9%

From the Direct plan's daily NAV since 02-01-2013, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.

UTI Retirement Fund Expense Ratio and Costs

What each plan charges a year, in force from 25-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio
Direct	0.94%	0.02%	0.00%	0.20%	1.16%
Regular	1.36%	0.02%	0.00%	0.25%	1.63%

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	−2.32%	−1.80%	0.52%	₹97,680	₹98,200
3 years	7.78%	8.43%	0.65% a year	₹1,25,203	₹1,27,482
5 years	7.46%	8.14%	0.68% a year	₹1,43,296	₹1,47,888
10 years	8.02%	8.70%	0.68% a year	₹2,16,293	₹2,30,301

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

UTI Retirement Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planUTI Retirement Fund (Direct)	₹16,60,000	₹31,94,695	₹15,34,695	9.0%
Regular planUTI Retirement Fund (Regular)	₹16,60,000	₹30,34,851	₹13,74,851	8.3%

₹0₹10.0 L₹20.0 L₹30.0 L₹40.0 L

2014201620182020202220242026

Direct planUTI Retirement Fund (Direct)Regular planUTI Retirement Fund (Regular)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 Retirement Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

45.3%Debt

Asset	Fund
Debt	45.3%
Equity	36.7%
Cash and others	18.1%

Market cap of stocks

Market cap	Fund
Large Cap	24.3%
Mid Cap	6.1%
Small Cap	6.2%
Not on AMFI's list	0.1%

Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

Credit rating

Bonds and money market papers by credit rating, % of the fund.

Rating	Fund
Sovereign	23.6%
AAA and A1+	20.4%
AA	1.3%

UTI Retirement Fund Sector Allocation

Sector allocation of the fund's stocks as on 30-09-2026

Largest sectors

Banks8.1%
IT - Software3.1%
Pharmaceuticals & Biotechnology2.6%
Petroleum Products2.1%
Construction1.9%
Finance1.6%
Telecom - Services1.6%
Power1.5%
Automobiles1.5%
Insurance1.4%

The ten largest of 33 sectors. The other 23 add up to 11.2%.

Sector changes

Sector	July 2026	August 2026	September 2026	Change
Banks	8.5%	8.4%	8.1%	−0.4%
IT - Software	3.7%	3.7%	3.1%	−0.6%
Pharmaceuticals & Biotechnology	2.5%	2.6%	2.6%	+0.1%
Petroleum Products	2.0%	2.1%	2.1%	+0.1%
Construction	1.9%	2.0%	1.9%	0.0%

Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.

UTI Retirement Fund Portfolio Holdings

As on 30-09-2026 · 122 holdings · from the fund house's monthly portfolio

Holdings	Sector / Rating	Weight%	1M change
07.18% GSEC MAT -24/07/2037 · Government security	SOV	6.20%
EQ - HDFC BANK LIMITED	Banks	3.19%	0.0%
07.32% GSEC MAT -13/11/2030 · Government security	SOV	3.11%
7.24% GSEC MAT- 18/08/2055 · Government security	SOV	3.11%
EQ - ICICI BANK LTD	Banks	2.96%	0.0%
EQ - RELIANCE INDUSTRIES LTD.	Petroleum Products	2.12%	+4.2%
CP EXPORT IMPORT BANK OF INDIA · Commercial paper	CRISIL-A1+	2.12%
EQ - INFOSYS LTD.	IT - Software	1.96%	+1.7%
MF UNITS UTI - FLOATER FUND	-	1.75%
NCD POWER FINANCE CORPORATION LTD. · Bond	CRISIL-AAA	1.61%
6.28% GSEC MAT- 14/07/2032 · Government security	SOV	1.58%
EQ - LARSEN & TOUBRO LTD.	Construction	1.53%	0.0%
EQ - STATE BANK OF INDIA	Banks	1.33%	0.0%
EQ - ITC LTD.	Diversified FMCG	1.33%	+2.5%
07.32% RAJASTHAN SGS Mat - 24/09/2035 · State government security	SOV	1.20%
7.73% WEST BENGAL SGS Mat - 04/02/2043 · State government security	SOV	1.13%
NCD REC LTD · Bond	CRISIL-AAA	1.09%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond	CRISIL-AAA	1.09%
NCD ADITYA BIRLA CAPITAL LTD · Bond	CRISIL-AAA	1.09%
06.94% GSEC Mat- 11/05/2036 · Government security	SOV	1.08%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond	CRISIL-AAA	1.08%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Bond	CRISIL-AAA	1.08%
EQ - POWER GRID CORPORATION OF INDI	Power	1.08%	+8.6%
CD - NABARD - 28/01/2027 · Certificate of deposit	ICRA-A1+	1.07%
NCD EXPORT IMPORT BANK OF INDIA · Bond	CRISIL-AAA	1.07%
6.92% G SEC MAT- 18/11/39 · Government security	SOV	1.06%
6.82% ANDHRA SGS MAT -04/06/2036 · State government security	SOV	1.01%
EQ - BHARTI AIRTEL LTD.	Telecom - Services	0.93%	−4.0%
EQ - SHRIRAM FINANCE LTD	Finance	0.83%	−5.4%
6.99% WB SDL MAT - 29/09/2036 · State government security	SOV	0.82%
EQ - MAHINDRA & MAHINDRA LTD.	Automobiles	0.79%	0.0%
EQ - COAL INDIA LTD.	Consumable Fuels	0.77%	+94.3%
NCD ADITYA BIRLA HOUSING FINANCE LTD · Bond	CRISIL-AAA	0.76%
EQ - LIC OF INDIA	Insurance	0.69%	0.0%
EQ - WIPRO LIMITED	IT - Software	0.67%	0.0%
EQ - HERO MOTOCORP LTD.	Automobiles	0.67%	0.0%
EQ - VEDANTA ALUMINIUM METAL LTD.	Non - Ferrous Metals	0.66%	0.0%
7.66% KERALA SGS Mat - 18/02/2039 · State government security	SOV	0.64%
EQ - INDUS TOWERS LIMITED	Telecom - Services	0.63%	0.0%
EQ - AUROBINDO PHARMA LTD.	Pharmaceuticals & Biotechnology	0.60%	0.0%
EQ - INFO-EDGE (INDIA) LTD.	Retailing	0.56%	0.0%
NCD REC LTD · Bond	CRISIL-AAA	0.55%
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3	IND-AAA(SO)	0.55%
EQ - OIL & NATURAL GAS CORPORATION	Oil	0.55%	+201.4%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond	CRISIL-AAA	0.54%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond	CRISIL-AAA	0.54%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond	CRISIL-AAA	0.54%
NCD BAJAJ FINANCE LTD. · Bond	CRISIL-AAA	0.54%
NCD BHARTI TELECOM LTD. · Bond	CRISIL-AAA	0.54%
NCD POONAWALLA FINCORP LTD. · Bond	CRISIL-AAA	0.54%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Bond	CRISIL-AAA	0.54%
NCD ADITYA BIRLA HOUSING FINANCE LTD · Bond	CRISIL-AAA	0.54%
NCD AXIS FINANCE LTD · Bond	CRISIL-AAA	0.54%
7.65% MADHYAPRADESH SGS Mat - 11/03/2040 · State government security	SOV	0.53%
EQ - AJANTA PHARMA LTD.	Pharmaceuticals & Biotechnology	0.53%	0.0%
CD - CANARA BANK - 28/01/2027 · Certificate of deposit	CRISIL-A1+	0.53%
CD - SMALL INDST. DEV. BANK OF INDIA - 28/01/2027 · Certificate of deposit	CARE-A1+	0.53%
EQ - INTERGLOBE AVIATION LTD	Transport Services	0.53%	0.0%
6.96% AP SDL MAT - 06/08/2034 · State government security	SOV	0.52%
07.23% RAJASTHAN SGS Mat - 23/10/2035 · State government security	SOV	0.52%
07.73% XIRR PTC- SHIVSHAKTI SECURITISATION TRUST-28/09/2029	CRISIL-AAA(SO)	0.52%
7.08% A P SGL MAT - 26/03/2037 · State government security	SOV	0.51%
EQ - VRL LOGISTICS LTD	Transport Services	0.50%	0.0%
EQ - HCL TECHNOLOGIES LTD.	IT - Software	0.50%	−37.4%
EQ - GHCL LTD.	Chemicals & Petrochemicals	0.49%	+2.6%
EQ - GRASIM INDUSTRIES LTD.	Cement & Cement Products	0.47%	−10.2%
EQ - CAPLIN POINT LABORATORIES LTD	Pharmaceuticals & Biotechnology	0.47%	−7.0%
EQ - TATA POWER COMPANY LTD.	Power	0.46%	0.0%
EQ - DCM SHRIRAM LTD.	Diversified	0.46%	+14.0%
EQ - NIIT LEARNING SYSTEMS LTD	Other Consumer Services	0.45%	+2.2%
REIT- KNOWLEDGE REALTY TRUST REIT	-	0.44%
NCD TORRENT PHARMACEUTICALS LTD. · Bond	ICRA-AA+	0.43%
EQ - RAYMOND LIFESTYLE LTD	Textiles & Apparels	0.42%	+45.0%
EQ - ALEMBIC PHARMACEUTICALS	Pharmaceuticals & Biotechnology	0.41%	+15.5%
EQ - CROMPTON GREAVES CONSUMER ELEC	Consumer Durables	0.40%	+6.8%
EQ - MOTILAL OSWAL FINANCIAL SERVIC	Capital Markets	0.40%	0.0%
EQ - EMAMI LTD.	Personal Products	0.40%	0.0%
EQ - SUNDARAM FINANCE LTD.	Finance	0.40%	0.0%
EQ - ADITYA BIRLA CAPITAL LTD	Finance	0.39%	0.0%
REIT- NEXUS SELECT TRUST	-	0.38%
EQ - G R INFRAPROJECTS LTD	Construction	0.38%	+1.6%
EQ - INDUSIND BANK	Banks	0.37%	0.0%
INVIT - IRB INVIT FUND	-	0.36%
EQ - PHOENIX MILLS LTD	Realty	0.36%	0.0%
EQ - TATA MOTORS LTD	Agricultural, Commercial & Construction Vehicles	0.35%	0.0%
EQ - GENERAL INSURANCE CORPORATION	Insurance	0.33%	0.0%
NCD PIRAMAL FINANCE LIMITED · Bond	ICRA-AA+	0.33%
MF UNITS UTI NIFTY 1D RATE LIQUID ETF – GROWTH ETF	-	0.33%
NCD REC LTD · Bond	ICRA-AAA	0.32%
EQ - DR REDDYS LABORATORIES LTD.	Pharmaceuticals & Biotechnology	0.32%	+306.2%
6.98% MAHARASHTRA SGS MAT -25/06/2037 · State government security	SOV	0.31%
EQ - GREAT EASTERN SHIPPING CO. LTD	Transport Services	0.31%	0.0%
EQ - ICICI PRUDENTIAL LIFE INSURA L	Insurance	0.30%	0.0%
EQ - MARKSANS PHARMA LTD.	Pharmaceuticals & Biotechnology	0.29%	−12.8%
NCD GODREJ SEEDS AND GENETICS LIMITED · Bond	CRISIL-AA	0.27%
NCD GODREJ SEEDS AND GENETICS LIMITED · Bond	CRISIL-AA	0.27%
EQ - UPL LTD.	Fertilizers & Agrochemicals	0.25%	+28.9%
EQ - TIPS MUSIC LIMITED	Entertainment	0.25%	0.0%
EQ - FEDERAL BANK LTD.	Banks	0.24%	0.0%
EQ - JK PAPER LTD.	Paper, Forest & Jute Products	0.24%	0.0%
EQ - MAHINDRA HOLIDAYS & RESORTS IN	Leisure Services	0.24%	0.0%
EQ - NATIONAL ALUMINIUM CO. LTD.	Non - Ferrous Metals	0.23%	0.0%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond	ICRA-AAA	0.22%
CD - CANARA BANK - 12/03/2027 · Certificate of deposit	CRISIL-A1+	0.21%
EQ - S.P.APPARELS LTD	Textiles & Apparels	0.17%	0.0%
EQ - ROSSARI BIOTECH LTD	Chemicals & Petrochemicals	0.13%	0.0%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED	Not Applicable	0.12%	New
MF UNITS Nifty 5 yr Benchmark G-Sec ETF ETF	-	0.12%
7.88% ANDHRA PRADESH SGS 25/03/2046 · State government security	SOV	0.11%
EQ - MAX FINANCIAL SERVICES LTD.	Insurance	0.11%	−59.6%
EQ - MAHARASHTRA SEAMLESS LTD.	Industrial Products	0.11%	New
MF UNITS Nifty 10 yr Benchmark G-Sec ETF ETF	-	0.10%
07.73% HARYANA SGS Mat - 18/02/2045 · State government security	SOV	0.08%
INVIT - INDUS INFRA TRUST	-	0.07%
EQ - VEDANTA IRON AND STEEL LTD.	Ferrous Metals	0.05%	0.0%
7.48% UTTAR PRADESH SDL 20/03/2036 · State government security	SOV	0.04%
MF UNITS UTI BSE India Sector Leaders Exchange Traded Fund ETF	-	0.04%
07.08% HARYANA SDL MAT - 26/03/2039 · State government security	SOV	0.02%
NCD TORRENT PHARMACEUTICALS LTD. · Bond	ICRA-AA+	0.02%
7.19% MAHARASHTRA SDL-27/02/2040 · State government security	SOV	0.01%
7.46% MAHARASHTRA SDL-21/02/2035 · State government security	SOV	0.00%
EQ - INFORMATION TECHNOLOGIES (I)LT	Not Applicable	0.00%	0.0%

UTI Retirement Fund Stocks Bought and Sold

All changes are between August 2026 and September 2026

Stocks bought and sold in September 2026

EQ - RELIANCE INDUSTRIES LTD.	Added	+4.2%	2.12%
EQ - INFOSYS LTD.	Added	+1.7%	1.96%
EQ - ITC LTD.	Added	+2.5%	1.33%
EQ - POWER GRID CORPORATION OF INDI	Added	+8.6%	1.08%
EQ - BHARTI AIRTEL LTD.	Reduced	−4.0%	0.93%
EQ - SHRIRAM FINANCE LTD	Reduced	−5.4%	0.83%
EQ - HCL TECHNOLOGIES LTD.	Reduced	−37.4%	0.50%
EQ - COAL INDIA LTD.	Added	+94.3%	0.77%
EQ - GRASIM INDUSTRIES LTD.	Reduced	−10.2%	0.47%
EQ - OIL & NATURAL GAS CORPORATION	Added	+201.4%	0.55%
EQ - GHCL LTD.	Added	+2.6%	0.49%
EQ - NIIT LEARNING SYSTEMS LTD	Added	+2.2%	0.45%
EQ - CAPLIN POINT LABORATORIES LTD	Reduced	−7.0%	0.47%
EQ - DCM SHRIRAM LTD.	Added	+14.0%	0.46%
EQ - RAYMOND LIFESTYLE LTD	Added	+45.0%	0.42%
EQ - CROMPTON GREAVES CONSUMER ELEC	Added	+6.8%	0.40%
EQ - ALEMBIC PHARMACEUTICALS	Added	+15.5%	0.41%
EQ - G R INFRAPROJECTS LTD	Added	+1.6%	0.38%
EQ - DR REDDYS LABORATORIES LTD.	Added	+306.2%	0.32%
EQ - MARKSANS PHARMA LTD.	Reduced	−12.8%	0.29%
EQ - MAX FINANCIAL SERVICES LTD.	Reduced	−59.6%	0.11%
EQ - MARUTI SUZUKI INDIA LTD.	Sold out	−100%	was 0.28%
EQ - UPL LTD.	Added	+28.9%	0.25%
EQ - GLENMARK PHARMACEUTICALS LTD.	Sold out	−100%	was 0.24%
EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED	New	New	0.12%
EQ - MAHARASHTRA SEAMLESS LTD.	New	New	0.11%

A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.

What UTI Retirement Fund bought and sold

UTI Retirement Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
UTI Aggressive Hybrid FundAggressive Hybrid · UTI	47.4%	86	Compare
UTI Children's Hybrid FundSolution · UTI	43.3%	58	Compare
UTI - Unit Linked Insurance PlanBalanced Advantage · UTI	37.0%	44	Compare
UTI Large & Mid Cap FundLarge & Mid Cap · UTI	36.5%	57	Compare
UTI - Equity Savings FundEquity Savings · UTI	29.5%	32	Compare
Mirae Asset Nifty LargeMidcap 250 Index FundIndex · Mirae Asset	25.7%	38	Compare
Zerodha Nifty LargeMidcap 250 Index FundIndex · Zerodha	25.7%	38	Compare
Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index FundIndex · Zerodha	25.7%	38	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

UTI Retirement Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 1.16%
Expense ratio (Regular): 1.63%
Category: Solution
Risk: High
Launch date: 26-12-1994
AUM: ₹4,578.02 Cr (30-09-2026)
Lock in: 5 years, or until retirement if earlier
Scheme code (Direct): 120766
ISIN (Direct): INF789F1AA64
Scheme code (Regular): 100682
ISIN (Regular): INF789F1AA56
NAV history: From 02-01-2013, 13.8 years

Benchmark: CRISIL Short Term Debt Hybrid 60+40 Index
Minimum investment: Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500,
Minimum additional investment: Regular Plan-Growth-Rs.500, Direct Plan-Growth-Rs.500,
Exit load: 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.

Tax on UTI Retirement Fund returns

How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹53.4703	30-10-2026
regular	Growth	₹49.2011	30-10-2026

About UTI Retirement Fund

UTI Retirement Fund is a mutual fund from UTI Mutual Fund. Its category is Solution. It was launched on 26-12-1994. Its benchmark is CRISIL Short Term Debt Hybrid 60+40 Index. At the end of September 2026 it held 122 securities.

Fund Manager

Anurag Mittal FM 1
Fund manager of UTI Retirement Fund
V Srivatsa FM 2
Fund manager of UTI Retirement Fund
Not Applicable FM 3
Fund manager of UTI Retirement Fund

See all funds of UTI Mutual Fund

AUM change

September 2026: ₹4,578.02 Cr; −2.58% from August 2026
August 2026: ₹4,699.44 Cr; −0.55% from July 2026
July 2026: ₹4,725.26 Cr; +0.57% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare UTI Retirement Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

UTI Retirement vs UTI Aggressive Hybrid47.4% overlap
UTI Retirement vs UTI Children's Hybrid43.3% overlap
UTI Retirement vs UTI - Unit Linked Insurance Plan37.0% overlap
UTI Retirement vs UTI Large & Mid Cap36.5% overlap
UTI Retirement vs UTI - Equity Savings29.5% overlap
UTI Retirement vs Mirae Asset Nifty LargeMidcap 250 Index25.7% overlap
UTI Retirement vs Zerodha Nifty LargeMidcap 250 Index25.7% overlap
UTI Retirement vs Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index25.7% overlap

Compare with any other fund

Frequently Asked Questions for UTI Retirement Fund

What is the current NAV of UTI Retirement Fund?

The Direct plan NAV is ₹53.4703. The Regular plan NAV is ₹49.2011, as on 30-10-2026.

What are the returns of UTI Retirement Fund?

The Direct plan returned −1.80% in 1 year, +8.43% a year over 3 years, +8.14% a year over 5 years. The Regular plan returned −2.32% in 1 year, +7.78% a year over 3 years, +7.46% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of UTI Retirement Fund?

The Direct plan charges 1.16% a year. The Regular plan charges 1.63% a year. This is the figure the fund house reported to AMFI, in force from 25-09-2026.

What is the AUM of UTI Retirement Fund?

UTI Retirement Fund managed ₹4,578.02 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of UTI Retirement Fund?

At the end of September 2026 the largest holdings were 07.18% GSEC MAT -24/07/2037 (6.20%), HDFCBANK (3.19%), 07.32% GSEC MAT -13/11/2030 (3.11%), 7.24% GSEC MAT- 18/08/2055 (3.11%), ICICIBANK (2.96%). The fund held 122 securities in all.

What did UTI Retirement Fund buy and sell in September 2026?

It bought 2 new stocks: EQ - MAHARASHTRA SEAMLESS LTD, EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED. It sold out of 2: EQ - MARUTI SUZUKI INDIA LTD, EQ - GLENMARK PHARMACEUTICALS LTD. It added shares in 15. It reduced 7.

How do I invest in UTI Retirement Fund?

Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500,. You can invest once or through a monthly SIP.

Who is the fund manager of UTI Retirement Fund?

Anurag Mittal FM 1, V Srivatsa FM 2, Not Applicable FM 3.

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.