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UTI Retirement Fund Regular Plan
Hybrid
Large Cap
High Risk
Latest AUM
₹ 4,698.3 Cr.
NAV as on 03 aug, 2026
₹ 51.21
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
UTI Retirement Fund Regular Plan
Inception Date
26 Dec 1994
Lock In
1825
SIP Minimum Investment amount
₹500
SWP Minimum Investment amount
₹500
STP Minimum Investment amount
₹100
Risk
Principal at high risk
Category Average Annual Returns
3.64
Portfolio Composition Analysis
Equity
37.33%
Debt
49.35%
Cash
11.87%
Portfolio Updated on: 13 Jul, 2026
Sector Allocations
Equity
Debt
Entities
Financial
Portfolio Updated on: 03 aug, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 8.10% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.85% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.96% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.96% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.90% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.90% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.75% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.75% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.81% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.81% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 0.48% |
| Standard Deviation | 6.65% |
| Sortino Ratio | 0.60% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 3.32% | NA | 1.08% |
| 6 Months | 0.96% | NA | 6.79% |
| 9 Months | 1.57% | NA | 4.32% |
| 1 Year | 3.49% | 3.49% | 3.64% |
| 2 Years | 8.22% | 4.03% | 11.84% |
| 3 Years | 31.58% | 9.58% | 11.06% |
| 5 Years | 56.21% | 9.33% | 11.63% |
| 7 Years | 105.40% | 10.83% | NA |
| 10 Years | 133.93% | 8.87% | 8.65% |
UTI Retirement Fund Regular Plan is one Hybrid mutual fund offered by UTI Mutual Fund. Launched on 26 Dec 1994, the fund aims Long term capital appreciation. Investment in equity instruments (maximum-40%) and debt/ money market instruments. It manages assets worth ₹4,698.3 crore as on Tue Jun 30, 2026. The expense ratio stands at 1.64%.
Sunil Madhukar Patil has experience He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.
V Srivatsa has experience Prior to joining UTI Mutual Fund in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| UTI Retirement Fund Direct | 4,698.3 | +0.97% | +3.46% | +1.23% | +4.06% | +10.25% | +10.03% |
| Franklin India Retirement Fund Direct-growth | 495.8 | +0.68% | +2.71% | +0.73% | +1.81% | +8.89% | +8.00% |
| Franklin India Retirement Fund Direct-idcw | 495.8 | +0.68% | +2.71% | +0.73% | +1.81% | +8.89% | +8.00% |
| UTI Children's Hybrid Fund-direct Plan | 4,388.4 | +1.11% | +3.86% | +1.66% | +2.29% | +7.97% | +7.55% |
| UTI Children's Hybrid Fund-regular Plan | 4,388.4 | +1.09% | +3.81% | +1.58% | +2.13% | +7.77% | +7.33% |
| Franklin India Retirement Fund Regular-growth | 495.8 | +0.62% | +2.52% | +0.37% | +1.04% | +8.06% | +7.17% |
| Franklin India Retirement Fund Regular-idcw | 495.8 | +0.62% | +2.52% | +0.37% | +1.04% | +8.06% | +7.17% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from UTI Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| UTI Retirement Fund Direct | 4,698.3 | +0.97% | +3.46% | +1.23% | +4.06% | +10.25% | +10.03% |
| UTI Children's Hybrid Fund-regular Plan | 4,388.4 | +1.09% | +3.81% | +1.58% | +2.13% | +7.77% | +7.33% |
| UTI Children's Hybrid Fund-direct Plan | 4,388.4 | +1.11% | +3.86% | +1.66% | +2.29% | +7.97% | +7.55% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| UTI Retirement Fund Direct | 4,698.3 | +0.97% | +3.46% | +1.23% | +4.06% | +10.25% | +10.03% |
| UTI Children's Hybrid Fund-direct Plan | 4,388.4 | +1.11% | +3.86% | +1.66% | +2.29% | +7.97% | +7.55% |
| UTI Children's Hybrid Fund-regular Plan | 4,388.4 | +1.09% | +3.81% | +1.58% | +2.13% | +7.77% | +7.33% |
| 360 One Balanced Hybrid Fund Direct-growth | 743.0 | +1.19% | +6.26% | +5.76% | +7.49% | — | — |
| 360 One Balanced Hybrid Fund Regular-growth | 743.0 | +1.06% | +5.83% | +4.95% | +5.88% | — | — |
| 360 One Balanced Hybrid Fund Regular-idcw | 743.0 | +1.06% | +5.83% | +4.95% | +5.88% | — | — |
| 360 One Balanced Hybrid Fund Direct-idcw | 743.0 | +1.19% | +6.26% | +5.76% | +7.49% | — | — |
| Franklin India Retirement Fund Direct-growth | 495.8 | +0.68% | +2.71% | +0.73% | +1.81% | +8.89% | +8.00% |
| Franklin India Retirement Fund Regular-growth | 495.8 | +0.62% | +2.52% | +0.37% | +1.04% | +8.06% | +7.17% |
Top funds are based on Fund AUM
Top Hybrid Funds
| Fund name | ||||
|---|---|---|---|---|
| Uti Retirement Fund Direct | ₹55.59 | +10.25% | +10.03% | — |
| Franklin India Retirement Fund Direct-growth | ₹243.60 | +8.89% | +8.00% | — |
| Franklin India Retirement Fund Direct-idcw | ₹18.53 | +8.89% | +8.00% | — |
| Uti Children's Hybrid Fund-direct Plan | ₹42.05 | +7.97% | +7.55% | — |
| Uti Children's Hybrid Fund-regular Plan | ₹41.06 | +7.77% | +7.33% | — |
| Franklin India Retirement Fund Regular-growth | ₹220.54 | +8.06% | +7.17% | — |
| Franklin India Retirement Fund Regular-idcw | ₹16.74 | +8.06% | +7.17% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 03 Aug 2026 | ₹51.21 |
| 31 Jul 2026 | ₹50.85 |
| 30 Jul 2026 | ₹50.82 |
| 29 Jul 2026 | ₹50.80 |
| 28 Jul 2026 | ₹50.61 |
| 27 Jul 2026 | ₹50.66 |
| 24 Jul 2026 | ₹50.36 |
| 23 Jul 2026 | ₹50.40 |
| 22 Jul 2026 | ₹50.50 |
| 21 Jul 2026 | ₹50.76 |
| 20 Jul 2026 | ₹50.76 |
| 17 Jul 2026 | ₹50.74 |
| 16 Jul 2026 | ₹50.69 |
| 15 Jul 2026 | ₹50.66 |
| 14 Jul 2026 | ₹50.62 |
| 13 Jul 2026 | ₹50.90 |
| 10 Jul 2026 | ₹50.87 |
| 09 Jul 2026 | ₹50.62 |
| 08 Jul 2026 | ₹50.46 |
| 07 Jul 2026 | ₹50.89 |
| 06 Jul 2026 | ₹50.89 |
| 03 Jul 2026 | ₹50.74 |
| 02 Jul 2026 | ₹50.66 |
| 01 Jul 2026 | ₹50.47 |
| 30 Jun 2026 | ₹50.45 |
| 29 Jun 2026 | ₹50.41 |
| 25 Jun 2026 | ₹50.40 |
| 24 Jun 2026 | ₹50.37 |
| 23 Jun 2026 | ₹50.15 |
| 22 Jun 2026 | ₹50.33 |
Portfolio Updated on: 04 Aug, 2026
Fund Growth & Size Analysis
+₹4,698.3 Cr
Since Launch
This Fund
Category Average
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UTI Retirement Fund Regular Plan Returns Comparison
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UTI Retirement Fund Regular Plan FAQ'S
- Sharpe Ratio: 0.48%
- Standard Deviation: 6.65%
- Sortino Ratio: 0.60%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under UTI Retirement Fund Regular Plan stand at approximately ₹ 4,698.3 crore.
The UTI Retirement Fund Regular Plan has delivered the following short-term performance:
- 3 Months Return: 3.32%
- 6 Months Return: 0.96%
The historical growth of the UTI Retirement Fund Regular Plan is reflected through its CAGR returns:
- 3 Year CAGR: 9.58%
- 5 Year CAGR: 9.33%
- Return Since Launch: 10.19%
The portfolio of UTI Retirement Fund Regular Plan is distributed across different asset classes as follows:
- Equity: 37.33%
- Debt Instruments: 49.35%
- Other Assets: 11.87%
The UTI Retirement Fund Regular Plan is managed by V Srivatsa, representing UTI Mutual Fund.
The UTI Retirement Fund Regular Plan investments are allocated across market caps in the following manner:
- Large Cap Stocks: 63.97%
- Mid Cap Stocks: 19.26%
- Small Cap Stocks: 16.77%
Top stock holdings of UTI Retirement Fund Regular Plan include:
- GOI Sec 7.18 24/07/2037 – represents 8.10% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.85% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.96% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.96% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.90% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.90% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.75% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.75% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.81% of the portfolio
- GOI Sec 7.18 24/07/2037 – represents 6.81% of the portfolio
Major sector exposures in UTI Retirement Fund Regular Plan are:
- Entities – accounts for 363.40% of the portfolio
- Financial – accounts for 301.67% of the portfolio
- Technology – accounts for 53.26% of the portfolio
- Energy & Utilities – accounts for 31.47% of the portfolio
- Consumer Staples – accounts for 21.87% of the portfolio
