Can I invest in SIP and Lumpsum in UTI-Retirement Fund - Regular Direct Growth?

Yes, you can invest both lumpsum and SIP in UTI-Retirement Fund - Regular. Minimum lumpsum investment UTI-Retirement Fund - Regular is ₹500 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of UTI-Retirement Fund - Regular Direct Growth?

The latest NAV (Net Asset Value) of UTI-Retirement Fund - Regular is UTI-Retirement Fund - Regular is ₹47.47 as on 2025-01-16.

Which are the biggest stock holdings of UTI-Retirement Fund - Regular?

The 5 biggest stock holdings of UTI-Retirement Fund - Regular are: HDFC Bank (3.79%), ICICI Bank (2.97%), Infosys (2.23%), ITC (1.97%), HCL Technologies (1.19%)

What are the top sectors UTI-Retirement Fund - Regular invests in?

A majority of UTI-Retirement Fund - Regular 's AUM worth ₹4,631.31 (Cr) is invested in these 3 top sectors: Debt : 58.50% Banks : 9.62% IT-Software : 4.40%

Mutual Funds
UTI-Retirement Fund - Regular

UTI-Retirement Fund - Regular

Retirement Fund

Invest Now

NAV
47.47(0.42%)
Fund Size (CR)
₹4,631.31
Expense Ratio
1.66
Scheme Type
Active Fund
Value Research

Min. investment
₹500
Minimum Additional Investment
₹0
Minimum SIP Investment
₹500
Minimum Withdrawal
₹0
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
1%
Return Since Launch
10.10%

Absolute Return: -2.38%

Annualized Return: 0%

Basic Details

Scheme Manager

Sunil Patil

Bench Mark

CRISIL Short Term Debt Hybrid 60+40 Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	8 January 2025	9859.96	-1.40%	-	-1.96%	42/106
1 Month	13 December 2024	9681.24	-3.19%	-	-4.75%	44/106
3 Month	15 October 2024	9715.94	-2.84%	-	-4.71%	36/106
6 Month	15 July 2024	10043.75	0.44%	-	-1.55%	37/106
1 Year	15 January 2024	11126.98	11.27%	11.27%	10.62%	35/98
3 Year	14 January 2022	13567.58	35.68%	10.71%	10.23%	38/90
5 Year	15 January 2020	18166.97	81.67%	12.68%	12.04%	34/74
Since Inception	26 December 1994	180888.50	1708.88%	10.10%	11.97%	70/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 February 2024	1,20,000	473158.72	294.30%	294.30%
3 Year	1 February 2022	3,60,000	1669893.13	363.86%	66.77%
5 Year	3 February 2020	6,00,000	3202816.51	433.80%	39.79%
10 Year	2 February 2015	12,00,000	7889686.62	557.47%	20.72%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.62%

Standard Deviation

0.43%

Beta

0.90%

Sharpe Ratio

0.14%

Treynor's Ratio

2.81%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	3.79%	988796	175.30	Equity	Banks
ICICI Bank	2.97%	1073341	137.56	Equity	Banks
Infosys	2.23%	550004	103.40	Equity	IT - Software
ITC	1.97%	1882417	91.04	Equity	Tobacco Products
HCL Technologies	1.19%	287612	55.15	Equity	IT - Software
Larsen & Toubro	0.97%	124146	44.79	Equity	Infrastructure Developers & Operators
Vedanta	0.92%	954739	42.43	Equity	Mining & Mineral products
Reliance Industr	0.86%	328889	39.97	Equity	Refineries
Bharti Airtel	0.81%	235430	37.38	Equity	Telecomm-Service
IndusInd Bank	0.77%	371904	35.71	Equity	Banks

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
AXIS Retirement Fund - DP - Direct (G)	375.26	-6.05%	-5.97%	0.29%	19.24%	11.20%
AXIS Retirement Fund - DP - Direct (IDCW)	375.26	-6.07%	-5.94%	0.29%	19.22%	11.11%
Tata Retirement Savings Fund - Progressiv-Dir (G)	2121.63	-6.41%	-5.75%	-2.40%	16.91%	13.58%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1063.22	-8.94%	-9.21%	-5.34%	16.84%	18.79%
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1063.22	-8.95%	-9.21%	-5.34%	16.80%	18.77%

News

UTI Mutual Fund launches new quant fund
UTI Mutual Fund has launched the UTI Quant Fund, an open-ended equity scheme that employs quantitative investment strategies. The New Fund Offer (NFO) is open for subscription from January 2nd to January 16th, 2025.
The fund aims to achieve long-term capital appreciation by investing in equities and equity-related instruments through a quantitative investment approach. This strategy integrates fundamental research with a quantitative approach, utilizing market indicators to identify investment opportunities.
The fund's core is a factor allocation model that dynamically balances four key investment factors: momentum, quality, low volatility, and value. This model aims to generate alpha over the BSE 200 TRI benchmark while mitigating market volatility across different market cycles.
The model allows for adjustments in factor exposure based on market conditions, enhancing the fund's ability to navigate various market environments.
The fund seeks to deliver relatively better risk-adjusted returns by managing volatility through the dynamic factor allocation approach.
The fund will primarily invest in equities and equity-related instruments based on the quantitative investment theme, with a portion allocated to other equities, debt, money market instruments, and REITs/InvITs.
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UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 01 January 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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UTI MF announces change in benchmark index under its schemes

UTI Mutual Fund has announced change in the benchmark of UTI Annual Interval Fund ' I with effect from November 29, 2024

Changes in Benchmark Index:

Scheme Name	Existing Tier I Benchmark as per PRC Matrix	Revised Tier I Benchmark as per PRC Matrix
UTI Annual Interval Fund ' I	CRISIL Low Duration Debt Index	CRISIL Low Duration Debt A-I Index
UTI Annual Interval Fund - II	CRISIL Low Duration Debt Index	CRISIL Low Duration Debt A-I Index
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Short Duration Debt A-II Index

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Fund House Details & Investment Objective

Date of Incorporation

26 December 1994

Total AUM (Cr)

₹4631.31

UTI-Retirement Fund - Regular is an Retirement Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 26 December 1994, this fund is managed by Sunil Patil. With assets under management (AUM) worth ₹4,631.31 (Cr), as of 16 January 2025, UTI-Retirement Fund - Regular is categorized as a Retirement Fund within its segment. The fund has generated a return of 10.10% since its launch.
The current NAV of UTI-Retirement Fund - Regular is ₹47.47, as on 16 January 2025. The fund's benchmark index is CRISIL Short Term Debt Hybrid 60+40 Index. You can invest in UTI-Retirement Fund - Regular via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹500.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
(A) Less than One year - 1% (B) Greater than or equal to One year - Nil The fund has generated 10.71% and 12.68% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 38.24% in Equity, 57.50% in Debt and 4.28% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 58.50% in Debt, 9.62% in Banks, 4.40% in IT-Software, 2.81% in Cash & Others, 2.40% in Pharmaceuticals & Biotech

FAQs

How to Invest in UTI-Retirement Fund - Regular Direct Growth?

UTI-Retirement Fund - Regular is a popular fund in the Retirement Fund segment. The fund has generated a return of 10.10% since inception. Looking to invest in UTI-Retirement Fund - Regular How about earning 1% extra return? All this is possible with m.Stock! Investing in UTI-Retirement Fund - Regular is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, UTI-Retirement Fund - Regular
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in UTI-Retirement Fund - Regular today and reap the benefits of this Retirement Fund fund!

How much returns has UTI-Retirement Fund - Regular Direct Growth generated?

In the short term, i.e., 1 year, UTI-Retirement Fund - Regular has generated annualised return of 11.27%. In the long-term, the fund has generated 10.71% and 12.68% in 3 and 5 years respectively. Since its inception, the fund has generated 10.10% returns.

What is the expense ratio of UTI-Retirement Fund - Regular Direct Growth?

The expense ratio of UTI-Retirement Fund - Regular Direct Growth is 1.66%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of UTI-Retirement Fund - Regular Fund Direct Growth?

The Assets Under Management (AUM) of UTI-Retirement Fund - Regular is ₹4,631.31 (Cr) as of 2025-01-16 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from UTI-Retirement Fund - Regular Direct Growth?

Redeeming or selling units of UTI-Retirement Fund - Regular is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from UTI-Retirement Fund - Regular:

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case UTI-Retirement Fund - Regular).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).