UTI Retirement Fund

OtherSolution Oriented - Retirement Fund - DebtHigh

₹49.934516 Sept 2026

Invest Now

Minimum For SIP₹500

Fund Size₹4699.44 Cr

Expense Ratio1.63%

Chart

PlanNormal

Returns (6 months)3.025%

Expense ratio1.63%

Min Investment500

AUM4,699.44 Cr

Inception date28 Dec 1994

Return Calculator

Monthly Investment

₹500₹1,00,00,000

Expected Return Rate (p.a)

1%30%

Time Period

1YR40YR

Investment Amount₹0

Estimated Returns₹0

Total Amount₹0

Benchmark Returns

BENCHMARK: CRISIL Short Term Debt Hybrid 60+40 Index

Annualised returns

NAME
Fund Returns
Benchmark Returns

1W	1M	3M	6M	1Y	3Y	5Y	INCEPTION
NA	-26.56%	-0.89%	3.02%	0.27%	7.61%	8.13%	10.00%
-0.69%	-2.40%	-0.22%	1.52%	0.27%	7.61%	8.13%	10.00%

Holdings

Name
Net Current Asset
07.18% GOI - 24-Jul-2037
ICICI Bank Ltd.
HDFC Bank Ltd.
07.24% GOI - 18-Aug-2055
07.32% GOI - 13-Nov-2030
Infosys Ltd.
Reliance Industries Ltd.
MF UNITS UTI - FLOATER FUND
Larsen & Toubro Ltd.
Power Finance Corporation Ltd. SR-BS233C 07.60% (25-Aug-2033)
06.28% GOI - 14-Jul-2032
State Bank Of India
ITC Ltd.
07.32% Rajasthan SDL - 24-Sep-2035
07.73% West Bengal SDL - 04-Feb-2043
07.88% Andhra Pradesh SDL - 25-Mar-2046
Indian Railway Finance Corpn Ltd SR-175 07.57% (18-Apr-2029)
Aditya Birla Finance Ltd. SR L1 07.9413% (07-Aug-2028)
07.66% Kerala SDL - 18-Feb-2039
Small Industries Development Bank of India SR-VII 07.42% (12-Mar-2029)
National Bank For Agriculture & Rural Development SR-26F 07.44% (17-Jul-2029)
Export-Import Bank Of India SR-AA-03 07.12% (27-Jun-2030)
06.92% GOI 18-Nov-2039
National Bank For Agriculture & Rural Development (28-Jan-2027)
06.82% Andhra Pradesh SDL - 04-Jun-2036
Power Grid Corporation Of India Ltd.
Bharti Airtel Ltd.
Shriram Finance Ltd.
07.10% GOI - 08-Apr-2034
Mahindra & Mahindra Ltd.
HCL Technologies Ltd.
06.99% West Bengal SDL - 29-Sep-2036
Wipro Ltd.
Aditya Birla Housing Finance Ltd. SR-K2 7.8989% (08-Jun-2027)
Life Insurance Corporation of India
Hero MotoCorp Ltd.
Vedanta Aluminium Metal Ltd.
Indus Towers Ltd.
07.73% Haryana SDL - 18-Feb-2045
Aurobindo Pharma Ltd.
Info Edge (India) Ltd.
Grasim Industries Ltd.
Interglobe Aviation Ltd.
INDIA UNIVERSAL TRUST AL1 SR- A-3
Indian Railway Finance Corpn Ltd SR-168 B 7.65% (18-Apr-2033)
Indian Railway Finance Corpn Ltd SR-178 7.46% (18-Jun-2029)
National Bank For Agriculture & Rural Development SR-F24 7.68% (30-Apr-2029)
Rural Electrification Corpn Ltd -SR-211 06.23% (31-Oct-2031)
Aditya Birla Housing Finance Ltd. SR-I1 07.8461% (10-Mar-2028)
07.65% Madhya Pradesh SDL - 11-Mar-2040
Bharti Telecom Ltd. -SR-XXIX 7.75% (29-feb-2028)
Poonawalla Fincorp Ltd. SR-E1 07.52% (25-Feb-2028)
Axis Finance Ltd. SR-02 7.37% (23-Aug-2028)
Small Industries Development Bank of India Sr IV 07.04% (09-Feb-2029)
Bajaj Finance Ltd. 07.11% (10-Jul-2028)
07.23% Rajasthan SDL 23-Oct-2035
Canara Bank (28-Jan-2027)
Small Industries Development Bank of India (28-Jan-2027)
Shivshakti Securitisation Trust
Ajanta Pharma Ltd.
VRL Logistics Ltd.
06.96% Andhra Pradesh SDL - 06-Aug-2034
07.08% Andhra Pradesh SDL - 26-Mar-2037
GHCL Ltd.
07.12% Maharashtra SDL -16-Jul-2047
NIIT Learning Systems Ltd.
Caplin Point Laboratories Ltd.
DCM Shriram Ltd.
Tata Power Company Ltd.
Torrent Pharmaceuticals Ltd. SR 4 7.80% (17-Jan-2031)
Knowledge Realty Trust
Motilal Oswal Financial Services Ltd.
Aditya Birla Capital Ltd.
IndusInd Bank Ltd.
Crompton Greaves Consumer Electricals Ltd.
Nexus Select Trust
Sundaram Finance Ltd.
GR Infraprojects Ltd.
Tata Motors Ltd.
Emami Ltd.
Coal India Ltd.
IRB InvIT Fund
Alembic Pharmaceuticals Ltd.
General Insurance Corporation of India
The Phoenix Mills Ltd.
07.74% West Bengal SDL - 18-Feb-2044
Piramal Capital & Housing Finance Ltd. 06.75% (26-Sep-2031)
ICICI Prudential Life Insurance Company Ltd.
Marksans Pharma Ltd.
REC Ltd.-SR-249B 06.70% (31-Dec-2029)
06.98% Maharashtra SDL - 25-Jun-2037
Max Financial Services Ltd.
Raymond Lifestyle Ltd.
Maruti Suzuki India Ltd.
The Federal Bank Ltd.
Godrej Seeds & Genetics Ltd. SR-1 07.99% (26-Dec-2028)
Godrej Seeds & Genetics Ltd. SR-2 07.99% (26-Mar-2029)
Mahindra Holidays & Resorts India Ltd.
The Great Eastern Shipping Company Ltd.
National Aluminium Company Ltd.
Tips Music Ltd.
JK Paper Ltd.
Glenmark Pharmaceuticals Ltd.
National Bank For Agriculture & Rural Development SR-24-E 07.80% (15-Mar-2027)
Canara Bank (12-Mar-2027)
UPL Ltd.
Oil & Natural Gas Corporation Ltd.
S.P. Apparels Ltd.
Rossari Biotech Ltd.
MF UNITS Nifty 5 yr Benchmark G-Sec ETF
Axis Bank Ltd.
MF UNITS Nifty 10 yr Benchmark G-Sec ETF
Dr. Reddy's Laboratories Ltd.
Indus Infra Trust
Vedanta Iron And Steel Ltd.
07.48% Uttar Pradesh SDL - 20-Mar-2036
Clearing Corporation Of India Ltd.
Torrent Pharmaceuticals Ltd. SR 2 7.60% (19-Jan-2029)
07.08% Haryana SDL - 26-Mar-2039
07.19% Maharashtra SDL - 27-Feb-2040
06.94% GOI - 11-May-2036
07.46% Maharashtra SDL - 21-Feb-2035

Instrument	Share %
Cash & Cash Equivalents and Net Assets	14.70%
Government Securities	6.80%
Domestic Equities	3.17%
Domestic Equities	3.11%
Government Securities	3.07%
Government Securities	3.06%
Domestic Equities	2.14%
Domestic Equities	2.14%
Domestic Mutual Funds Units	1.70%
Domestic Equities	1.61%
Corporate Debt	1.59%
Government Securities	1.56%
Domestic Equities	1.43%
Domestic Equities	1.23%
Government Securities	1.19%
Government Securities	1.12%
Government Securities	1.08%
Corporate Debt	1.07%
Corporate Debt	1.06%
Government Securities	1.06%
Corporate Debt	1.06%
Corporate Debt	1.06%
Corporate Debt	1.05%
Government Securities	1.05%
Certificate of Deposit	1.03%
Government Securities	1.00%
Domestic Equities	0.98%
Domestic Equities	0.97%
Domestic Equities	0.96%
Government Securities	0.94%
Domestic Equities	0.86%
Domestic Equities	0.83%
Government Securities	0.81%
Domestic Equities	0.76%
Corporate Debt	0.75%
Domestic Equities	0.71%
Domestic Equities	0.68%
Domestic Equities	0.68%
Domestic Equities	0.64%
Government Securities	0.64%
Domestic Equities	0.60%
Domestic Equities	0.59%
Domestic Equities	0.56%
Domestic Equities	0.54%
PTC & Securitized Debt	0.54%
Corporate Debt	0.53%
Corporate Debt	0.53%
Corporate Debt	0.53%
Corporate Debt	0.53%
Corporate Debt	0.53%
Government Securities	0.53%
Corporate Debt	0.53%
Corporate Debt	0.53%
Corporate Debt	0.53%
Corporate Debt	0.52%
Corporate Debt	0.52%
Government Securities	0.52%
Certificate of Deposit	0.52%
Certificate of Deposit	0.52%
PTC & Securitized Debt	0.52%
Domestic Equities	0.52%
Domestic Equities	0.51%
Government Securities	0.51%
Government Securities	0.51%
Domestic Equities	0.50%
Government Securities	0.50%
Domestic Equities	0.48%
Domestic Equities	0.46%
Domestic Equities	0.43%
Domestic Equities	0.43%
Corporate Debt	0.42%
REITs & InvITs	0.41%
Domestic Equities	0.41%
Domestic Equities	0.41%
Domestic Equities	0.41%
Domestic Equities	0.41%
REITs & InvITs	0.40%
Domestic Equities	0.40%
Domestic Equities	0.40%
Domestic Equities	0.38%
Domestic Equities	0.37%
Domestic Equities	0.36%
REITs & InvITs	0.36%
Domestic Equities	0.35%
Domestic Equities	0.35%
Domestic Equities	0.34%
Government Securities	0.34%
Corporate Debt	0.34%
Domestic Equities	0.34%
Domestic Equities	0.32%
Corporate Debt	0.31%
Government Securities	0.30%
Domestic Equities	0.30%
Domestic Equities	0.29%
Domestic Equities	0.28%
Domestic Equities	0.27%
Corporate Debt	0.26%
Corporate Debt	0.26%
Domestic Equities	0.25%
Domestic Equities	0.25%
Domestic Equities	0.25%
Domestic Equities	0.24%
Domestic Equities	0.24%
Domestic Equities	0.24%
Corporate Debt	0.21%
Certificate of Deposit	0.21%
Domestic Equities	0.20%
Domestic Equities	0.18%
Domestic Equities	0.18%
Domestic Equities	0.15%
Domestic Mutual Funds Units	0.12%
Deposits (Placed as Margin)	0.11%
Domestic Mutual Funds Units	0.10%
Domestic Equities	0.07%
REITs & InvITs	0.07%
Domestic Equities	0.06%
Government Securities	0.04%
Deposits (Placed as Margin)	0.02%
Corporate Debt	0.02%
Government Securities	0.02%
Government Securities	0.01%
Government Securities	0.00%
Government Securities	0.00%

Risk Meter

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Fund Managers

V. Srivatsa

Anurag Mittal

Lock in Period

5 Year

Investment cannot be redeemed before this period completes.

Exit Load

1% upto 1Y, Nil on or after 1Y

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UTI Retirement Fund

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Benchmark Returns

Holdings

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