Sharpe ratio
-0.14Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+0.63%1Y Absolute Return
-0.35%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI Retirement Fund - Regular PlanFund 5Y annualised return | ₹8,87,328 | ₹7,32,612 | ₹1,54,716 | +7.90% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.05
₹1 Lakh since launch₹1.05 Lakh
Fund age20.6 yrs
Fund information
Scheme code100682
ISININF789F1AA56
BenchmarkNIFTY 500 Total Return Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.10%
Exit load—
Minimum SIP—
Return comparison
69th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +54.00% | — | — |
| 3M | -1.21% | — | — |
| 6M | +6.71% | — | — |
| 1Y | +0.63% | — | +1.16% |
| 3Y | +8.55% | — | +8.74% |
| 5Y | +7.90% | — | +7.27% |
| 10Y | +8.55% | — | — |
| 15Y | +7.33% | — | — |
| 20Y | +4.89% | — | — |
| Since Launch | +4.65% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.17Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
6.18%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.16How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt49.35%
Equity37.33%
Cash11.87%
Real Estate1.45%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 129 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Net Current Assets | Unspecified | Net Current Assets | 11.8663% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 6.8969% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 3.5259% |
| HDFC Bank Ltd | Financial | Equity | 3.1947% |
| GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100 | Entities | GOI Securities | 3.0811% |
| ICICI Bank Ltd | Financial | Equity | 2.7809% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 2.6387% |
| Infosys Ltd | Technology | Equity | 1.6633% |
| POWER FINANCE CORPORATION LTD. SR BS233C 7.60 BD 25AG33 FVRS1LAC | Financial | Fixed Deposits | 1.622% |
| Larsen & Toubro Ltd | Industrials | Equity | 1.603% |
Fund management
AN
Anurag Mittal
Since 2025 · Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.
V
V Srivatsa
Since 2012 · Prior to joining UTI Mutual Fund in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.
Mr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk solution oriented scheme - retirement fund. Ahead of its category average over 5Y by 0.6 points. Trailing its category average over 3Y by 0.2 points.
Strengths
- Ahead of its category average over 5Y by 0.6 points.
- Well spread out — top 10 holdings are only 16% of the portfolio.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
Weaknesses
- Trailing its category average over 3Y by 0.2 points.
- Ranks 69 of 106 in its category over 1 year.
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
Risk drivers
- None