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Fund Overview of UTI Retirement Fund Direct
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₹4,607.7 CrAUM
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₹54.39NAV
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1.06%Expense Ratio
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HybridFund Category
Minimum amount you can invest: ₹500
Maximum amount you can invest: ₹1,00,000
We have used a return rate of 15% for our calculations.
Returns of UTI Retirement Fund Direct
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.92% | NA | 1.30% |
| 6 Months | -0.62% | NA | 7.25% |
| 1 Year | 1.62% | 1.62% | 4.55% |
| 2 Years | 11.06% | 5.39% | 12.48% |
| 3 Years | 34.51% | 10.39% | 11.69% |
| 5 Years | 62.76% | 10.23% | 12.27% |
| 7 Years | 106.38% | 10.91% | NA |
| 10 Years | 153.36% | 9.74% | 9.26% |
Compare UTI Retirement Fund Direct with other mutual funds in the same category
UTI Retirement Fund Direct
UTI Retirement Fund Regular Plan
Franklin India Retirement Fund Direct-growth
Asset Allocation
equities
36.96%debt instruments
50.42%other assets or cash equivalents
11.23%UTI Retirement Fund Direct is one Hybrid mutual fund offered by UTI Mutual Fund. the fund aims Long term capital appreciation. Investment in equity instruments (maximum-40%) and debt/ money market instruments. It manages assets worth ₹4,607.7 crore as on Sun May 31, 2026. The expense ratio stands at 1.06%. Fund Manager Manager Education Fund Manager Manager EducationAbout UTI Retirement Fund Direct
The portfolio allocation consists of 36.96% in equities, 50.42% in debt instruments, 11.23% in other assets or cash equivalents.Managed by V Srivatsa, it has delivered a return of 1.62% in the last year, a total return since inception of 10.01%.
While evaluating wealth creation strategies individuals generally compare best sip plans based on risk profile.
Key Metrics of UTI Retirement Fund Direct
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Standard Deviation6.71%
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Sharpe Ratio0.62%
Fund Details
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Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
UTI Retirement Fund Direct  |
₹4,608 | 1.58% | 1.92% | 1.62% | 10.39% | 10.23% |
| UTI Retirement Fund Regular Plan |
₹4,608 | 1.53% | 1.78% | 1.05% | 9.71% | 9.53% |
| Franklin India Retirement Fund Direct-growth |
₹492 | 1.44% | 1.81% | 0.21% | 9.06% | 7.88% |
| Franklin India Retirement Fund Direct-idcw |
₹492 | 1.44% | 1.81% | 0.21% | 9.06% | 7.88% |
| UTI Children's Hybrid Fund-direct Plan |
₹4,315 | 1.74% | 2.46% | -0.32% | 7.57% | 7.80% |
| UTI Children's Hybrid Fund-regular Plan |
₹4,315 | 1.72% | 2.42% | -0.49% | 7.37% | 7.58% |
| Franklin India Retirement Fund Regular-growth |
₹492 | 1.37% | 1.63% | -0.55% | 8.23% | 7.05% |
| Franklin India Retirement Fund Regular-idcw |
₹492 | 1.37% | 1.63% | -0.55% | 8.23% | 7.05% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from UTI Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
|
UTI Retirement Fund Regular Plan
|
₹4,608 | 1.53% | 1.78% | -0.89% | 1.05% | 9.71% |
|
UTI Children's Hybrid Fund-regular Plan
|
₹4,315 | 1.72% | 2.42% | -1.13% | -0.49% | 7.37% |
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UTI Children's Hybrid Fund-direct Plan
|
₹4,315 | 1.74% | 2.46% | -1.06% | -0.32% | 7.57% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| UTI Retirement Fund Regular Plan |
₹4,608 | ₹50.14 | 9.71% | 9.53% | 9.05% |
| UTI Retirement Fund Direct |
₹4,608 | ₹54.39 | 10.39% | 10.23% | 9.74% |
| UTI Children's Hybrid Fund-regular Plan |
₹4,315 | ₹40.18 | 7.37% | 7.58% | 7.95% |
| UTI Children's Hybrid Fund-direct Plan |
₹4,315 | ₹41.14 | 7.57% | 7.80% | 8.17% |
| Franklin India Retirement Fund Regular-growth |
₹492 | ₹217.07 | 8.23% | 7.05% | 7.68% |
| Franklin India Retirement Fund Direct-growth |
₹492 | ₹239.55 | 9.06% | 7.88% | 8.50% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Net Current Assets | Unspecified | 11.23% | ₹517.35 Cr |
| Goi Sec 7.18 24/07/2037 | Entities | 6.89% | ₹317.69 Cr |
| Government Of India 36185 Goi 07jl40 6.68 Fv Rs 100 | Entities | 3.48% | ₹160.40 Cr |
| Government Of India 33618 Goi 13nv30 7.32 Fv Rs 100 | Entities | 3.11% | ₹143.36 Cr |
| Hdfc Bank Ltd | Financial | 2.88% | ₹132.61 Cr |
| Government Of India 36320 Goi 18ag55 7.24 Fv Rs 100 | Entities | 2.59% | ₹119.21 Cr |
| Icici Bank Ltd | Financial | 2.43% | ₹111.83 Cr |
| Infosys Ltd | Technology | 1.91% | ₹87.78 Cr |
| Power Finance Corporation Ltd. Sr Bs233c 7.60 Bd 25ag33 Fvrs1lac | Financial | 1.61% | ₹74.20 Cr |
| Government Of India 36204 Goi 14jl32 6.28 Fv Rs 100 | Entities | 1.58% | ₹72.67 Cr |
| Larsen & Toubro Ltd | Industrials | 1.53% | ₹70.43 Cr |
| Reliance Industries Ltd | Energy & Utilities | 1.42% | ₹65.51 Cr |
| Itc Ltd | Consumer Staples | 1.31% | ₹60.23 Cr |
| State Development Loan 36532 Raj 24sp35 7.32 Fv Rs 100 | Unspecified | 1.20% | ₹55.42 Cr |
| Bharti Airtel Ltd | Technology | 1.16% | ₹53.30 Cr |
| Power Grid Corporation Of India Ltd | Energy & Utilities | 1.14% | ₹52.57 Cr |
| State Development Loan 37040 Wb 04fb43 7.73 Fv Rs 100 | Unspecified | 1.13% | ₹51.93 Cr |
| Government Of India 37426 Goi 11my36 6.94 Fv Rs 100 | Entities | 1.09% | ₹50.10 Cr |
| State Development Loan 37266 Ap 25mr46 7.88 Fv Rs 100 | Financial | 1.09% | ₹50.10 Cr |
| Indian Railway Finance Corporation Limited Sr 175 7.57 Bd 18ap29 Fvrs1lac | Financial | 1.08% | ₹49.83 Cr |
Top Hybrid Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| UTI Retirement Fund Direct |
₹54.39 | 10.39% | 10.23% | - |
| UTI Retirement Fund Regular Plan |
₹50.14 | 9.71% | 9.53% | - |
| Franklin India Retirement Fund Direct-growth |
₹239.55 | 9.06% | 7.88% | - |
| Franklin India Retirement Fund Direct-idcw |
₹18.22 | 9.06% | 7.88% | - |
| UTI Children's Hybrid Fund-direct Plan |
₹41.14 | 7.57% | 7.80% | - |
| UTI Children's Hybrid Fund-regular Plan |
₹40.18 | 7.37% | 7.58% | - |
| Franklin India Retirement Fund Regular-growth |
₹217.07 | 8.23% | 7.05% | - |
| Franklin India Retirement Fund Regular-idcw |
₹16.48 | 8.23% | 7.05% | - |
growth is based on 5Y returns of the funds
Frequently Asked Questions
UTI Retirement Fund Direct
What is the current AUM of UTI Retirement Fund Direct?
As of Sun May 31, 2026, UTI Retirement Fund Direct manages assets worth ₹4,607.7 crore
How has UTI Retirement Fund Direct performed recently?
- 3 Months: 1.92%
- 6 Months: -0.62%
What is the long-term performance of UTI Retirement Fund Direct?
- 3 Years CAGR: 10.39%
- 5 Years CAGR: 10.23%
- Since Inception: 10.01%
What is the portfolio composition of UTI Retirement Fund Direct?
Equity: 36.96%, Debt: 50.42%, Others: 11.23%.
Who manages UTI Retirement Fund Direct?
UTI Retirement Fund Direct is managed by V Srivatsa from UTI Mutual Fund.
What is the market-cap allocation of UTI Retirement Fund Direct?
Large Cap: 61.78%, Mid Cap: 18.91%, Small Cap: 19.31%.
Which are the top companies UTI Retirement Fund Direct has invested in?
- Net Current Assets – 11.23% of the fund's portfolio
- GOI Sec 7.18 24/07/2037 – 6.89% of the fund's portfolio
- GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 – 3.48% of the fund's portfolio
- GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100 – 3.11% of the fund's portfolio
- HDFC Bank Ltd – 2.88% of the fund's portfolio
Which are the major sectors UTI Retirement Fund Direct focuses on?
- Entities – 18.74% of the fund's portfolio
- Unspecified – 13.56% of the fund's portfolio
- Financial – 9.08% of the fund's portfolio
- Technology – 3.06% of the fund's portfolio
- Energy & Utilities – 2.56% of the fund's portfolio
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Past performance may not be indicative of future results.
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^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
