UTI Retirement Fund Direct Growth

UTI Retirement Fund Direct Growth

NAV as on 27-03-2025

₹ 51.31

-0.2%

1D

Inception Returns

10.5%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
58 people have invested ₹ 86.8K in UTI Retirement Fund Direct Growth in the last three months

About UTI Retirement Fund Direct Growth

UTI Retirement Fund Direct Growth is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by Sunil Patil, V Srivatsa. This fund gives you the benefit of diversification.

Key Parameters

  1. UTI Retirement Fund Direct Growth has ₹4425 Cr worth of assets under management (AUM) as on Feb 2025 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

UTI Retirement Fund Direct Growth has given a CAGR return of 10.55% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 10.79%, 12.46% and 17.24% respectively.

Holdings

UTI Retirement Fund Direct Growth has allocated its funds majorly in Government, Financial Services, Corporate, Consumer Cyclical, Tech, Basic Materials, Consumer Defensive, Communication, Industrial, Health, Cash Equivalent, Energy, Utilities, Real Estate.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of UTI Retirement Fund Direct Growth

The investment objective of the scheme is primarily to generate a corpus to provide for pension in the form of periodical income / cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 0.00 and for SIP is INR 0.00. There is a lock in period for UTI Retirement Fund Direct Growth of 5 Years

UTI Retirement Fund Direct Growth Overview

Expense ratio1.04%
Benchmark
CRISIL ST Debt Hybrid 60+40 FundTR INR
AUM₹4425 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP--/--
Exit Load
1.0%
Lock In5 Years
TurnOver
64.96%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

Trailing Returns

as on (27-Mar-25)

Period
UTI Retirement Fund Direct Growth
Retirement Index
1M
2.1%
-
3M
-0.9%
-
6M
-3.1%
-
1Y
10.8%
-
3Y
12.5%
-
5Y
17.2%
-

Fund Distribution

as on (28-Feb-25)

  • Equity 36.6%

  • Debt & Cash 63.4%

Large cap
24.1%

Mid cap
7.3%

Small cap
5.3%

Sector Allocation

Feb'25

Jan'25

Dec'24

Financial Services
33.8%
Consumer Cyclical
11.9%
Tech
10.3%
Basic Materials
9%
Consumer Defensive
7.4%
Communication
7.3%
Industrial
6.4%
Health
5.7%
Energy
4.5%
Utilities
2.4%
Real Estate
1.3%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 4.4K Cr
₹ 4.6K Cr
₹ 4.6K Cr
  • AUM of the fund stands at 4.4K Cr as of Feb'25
  • AUM decreased by 140.8 Cr between Feb'25 and Jan'25
Top Stocks bought last month
HDFC Bank Limited's allocation increased from 1.1% to 3.33%
HDFC Bank Limited's allocation increased from 1.1% to 3.33%
Rural Electrification Corporation Limited's allocation increased from 0.53% to 1.11%
Rural Electrification Corporation Limited's allocation increased from 0.53% to 1.11%
Raymond Lifestyle Ltd's allocation increased from 0.24% to 0.42%
Raymond Lifestyle Ltd's allocation increased from 0.24% to 0.42%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 3.82 % to 3.79 %
HDFC Bank Ltd's allocation decreased from 3.82 % to 3.79 %
ICICI Bank Ltd's allocation decreased from 3 % to 2.97 %
ICICI Bank Ltd's allocation decreased from 3 % to 2.97 %
Power Finance Corporation Ltd.'s allocation decreased from 5.26 % to 1.65 %
Power Finance Corporation Ltd.'s allocation decreased from 5.26 % to 1.65 %

Top 3 Sectors in February were Government, Financial Services & Corporate

Feb'25
Government
73%
Financial Services
34%
Corporate
22%
Jan'25
Government
77%
Financial Services
32%
Corporate
18%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
92
93
92
Top 5 Company Concentration
11.5%
11.7%
12.1%
Company having highest exposure
HDFC Bank Ltd (3.9%)
HDFC Bank Ltd (3.7%)
HDFC Bank Ltd (3.8%)
No of Sectors
13
13
13
Top 5 Sectors Concentration
151%
150.5%
151.2%
Sector having highest exposure
Government (73.2%)
Government (76.5%)
Government (75.2%)
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Sunil Patil
Sunil Patil
Fund Manager of UTI Retirement Fund Direct Growth, since 1 December 2021
V Srivatsa
V Srivatsa
Fund Manager of UTI Retirement Fund Direct Growth, since 24 September 2009
Fund House
UTI Asset Management Co Ltd
Total Schemes
Total AUM
₹2.35L Cr
as on 28-Feb-2025
Address
PMS Division, UTI - Tower, “Gn” Block, Bandra Kurla Complex, Mumbai- 400051
Phone
+912266786666
Website
pms_care@uti.co.in

Mutual Fund Insights

Insights icon
This fund expense ratio is slightly on the lower side within the category (retirement). Its expense ratio is 1.04% which is lower than the category average expense ratio of 1.44%.
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In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 32.57% return, outperforming this fund by 15.33% per annum.
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Over the last 1 month, this fund has experienced a 3.1% drop in AUM moving from 4.56K Cr to 4.42K Cr.
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In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 20.4% return, outperforming this fund by 7.94% per annum.
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In the last 1 year, Aditya Birla Sun Life Retirement Fund - The 40s Pln Direct Growth has given 12.97% return, outperforming this fund by 2.18%.

UTI Retirement Fund Direct Growth Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 10.55% since inception which is more than its category average return of 10.14%
Fund Allocations

Fund Allocations

This fund has an allocation of 36.65% in Equity, 60.2% in Debt and 3.15% in Cash related instruments
AUM size ₹4425 Cr

AUM size ₹4425 Cr

This fund has AUM of ₹4425 Cr which is more than its category average of ₹ 731 Cr
Expense Ratio 1.04%

Expense Ratio 1.04%

This fund has an expense ratio of 1.04% which is less than its category average expense ratio of 1.55%

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Frequently Asked Questions for UTI Retirement Fund Direct Growth

The current NAV of UTI Retirement Fund Direct Growth is ₹51.31 as on 27-Mar-2025.
Existing (Absolute + CAGR) as on 27-Mar-2025.
UTI Retirement Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
2.13%
2.13%
6 Month Returns
-3.11%
-3.11%
1 Year Returns
10.79%
10.79%
3 Years Returns
42.21%
12.46%
5 Years Returns
121.5%
17.24%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
1.04% as on February 2025
₹4425 Cr as on February 2025
7.18% Govt Stock 2037(12.76%), 7.23% Govt Stock 2039(7.44%), 7.41% Govt Stock 2036(5.89%), 7.32% Govt Stock 2030(5%), HDFC Bank Ltd(3.87%) as on February 2025
Government(46.36%), Corporate(13.85%), Financial Services(12.38%) as on February 2025
AAA
98.82
AA
1.18
Sunil Patil, V Srivatsa are the fund managers of UTI Retirement Fund Direct Growth
The Exit load of UTI Retirement Fund Direct Growth is 1%