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Open Free Demat Account
Scheme Information
UTI Retirement Fund Reg
as of 30 Apr 2026, 15:22 PM
Scheme Asset Size₹4475.57 Cr
Expense Ratio1.7%
Cash Holding4.62973%
Fund TypeOpen-End
PlanGrowth
BenchmarkCRISIL ST Debt Hybrid 60+40 FundTR INR
Launch Date1994-12-26
Exit LoadExit load of 1.00% for investments if redeemed within 1 Years
SIP Calculator
12%
₹5,000
₹500₹10,00,000
10 Years
1 Year40 Years
Invested Amount
Estimated Return
Invested Amount
₹6,00,000
Est. Return
₹5,61,695
Total Value
₹11,61,695
Invested Amount
Estimated Return
Scheme Ratings
-
rated by Value Research
Scheme Riskometer
Your principal will be at Moderately High Risk
Investment Returns
Absolute Returns
CAGR
In the last 1 months 2.90%
In the last 3 months -1.36%
In the last 6 months -1.51%
In the last 1 Years 1.87%
In the last 3 Years 0.35%
In the last 5 Years 0.63%
Company Holdings
Company Name | Sector | Instrument | Assets |
|---|---|---|---|
| 7.18% Gs 2037 | - | BT | 7.02% |
| 6.68% Gs 2040 | - | BT | 3.55% |
| 7.32% Gs 2030 | - | BT | 3.18% |
| HDFC Bank Limited | - | B | 2.82% |
| 7.24% Gs 2055 | - | BT | 2.63% |
| HDFC Bank Ltd | Financial Services | E | 2.59% |
| ICICI Bank Ltd | Financial Services | E | 2.40% |
| Infosys Ltd | Technology | E | 1.89% |
| Power Finance Corporation Limited | - | B | 1.67% |
| 6.28% Gs 2032 | - | BT | 1.62% |
| Reliance Industries Ltd | Energy | E | 1.49% |
| Larsen & Toubro Ltd | Industrials | E | 1.35% |
| 7.32% Rajasthan Sgs 2035 | - | BT | 1.24% |
| ITC Ltd | Consumer Defensive | E | 1.23% |
| Power Grid Corp Of India Ltd | Utilities | E | 1.20% |
| Vedanta Ltd | Basic Materials | E | 1.18% |
| 7.73% Westbengal Sgs 2043 | - | BT | 1.15% |
| Indian Railway Finance Corporation Limited | - | B | 1.12% |
| Aditya Birla Capital Limited | - | B | 1.12% |
| Small Industries Development Bank Of India | - | B | 1.11% |
| Andhra Pradesh (Government of) 7.88% | - | DS | 1.11% |
| State Government Of Kerala | - | BT | 1.10% |
| Export Import Bank Of India | - | B | 1.10% |
| Bajaj Finance Limited | - | B | 1.10% |
| West Bengal (Government of) 7.74% | - | DS | 1.09% |
| Haryana (State Of) 7.73% | - | DS | 1.09% |
| Power Finance Corporation Limited | - | B | 1.09% |
| 6.92% Gs 2039 | - | BT | 1.09% |
| Indian Railway Finance Corporation Limited | - | B | 1.08% |
| 6.48% Gs 2035 | - | BT | 1.08% |
| Madhya Pradesh SDL | - | BT | 1.04% |
| 6.82% Andhra Sgs 2036 | - | BT | 1.04% |
| 7.10% Gs 2034 | - | BT | 0.97% |
| Bharti Airtel Ltd | Communication Services | E | 0.96% |
| Wipro Ltd | Technology | E | 0.96% |
| HCL Technologies Ltd | Technology | E | 0.89% |
| Indus Towers Ltd Ordinary Shares | Communication Services | E | 0.86% |
| 6.99% Westbengal Sdl 2036 | - | BT | 0.85% |
| State Bank of India | Financial Services | E | 0.83% |
| Mahindra & Mahindra Ltd | Consumer Cyclical | E | 0.77% |
| Shriram Finance Ltd | Financial Services | E | 0.75% |
| Maruti Suzuki India Ltd | Consumer Cyclical | E | 0.67% |
| Life Insurance Corporation of India | Financial Services | E | 0.63% |
| INDIA UNIVERSAL TRUST AL1 | - | BY | 0.60% |
| 7.48% Uttarpradesh Sgs 2036 | - | BT | 0.59% |
| Aurobindo Pharma Ltd | Healthcare | E | 0.58% |
| National Bank For Agriculture And Rural Development | - | B | 0.56% |
| Indian Railway Finance Corporation Limited | - | B | 0.56% |
| Aditya Birla Housing Finance Limited | - | B | 0.56% |
| LIC Housing Finance Ltd | - | B | 0.56% |
| Indian Railway Finance Corporation Limited | - | B | 0.56% |
| West Bengal (Government of) 7.88% | - | DS | 0.56% |
| Rural Electrification Corporation Limited | - | B | 0.55% |
| Poonawalla Fincorp Limited | - | B | 0.55% |
| Small Industries Development Bank Of India | - | B | 0.55% |
| Axis Finance Limited | - | B | 0.55% |
| Bajaj Finance Limited | - | B | 0.55% |
| SHIVSHAKTI SECURITISATION TRUST | - | BY | 0.55% |
| Madhya Pradesh (Government of) 7.65% | - | DS | 0.55% |
| 7.23% Rajasthan Sgs 2035 | - | BT | 0.54% |
| 6.96% Andhra Sgs 2034 | - | BT | 0.53% |
| Coal India Ltd | Energy | E | 0.53% |
| 7.08% Andhra Sgs 2037 | - | BT | 0.53% |
| 7.12% Maharashtra Sgs 2047 | - | BT | 0.52% |
| Emami Ltd | Consumer Defensive | E | 0.50% |
| Ajanta Pharma Ltd | Healthcare | E | 0.50% |
| Grasim Industries Ltd | Basic Materials | E | 0.48% |
| NIIT Learning Systems Ltd | Consumer Defensive | E | 0.48% |
| Hero MotoCorp Ltd | Consumer Cyclical | E | 0.47% |
| Info Edge (India) Ltd | Communication Services | E | 0.46% |
| Glenmark Pharmaceuticals Ltd | Healthcare | E | 0.45% |
| Knowledge Realty Trust Units | Real Estate | ER | 0.45% |
| Torrent Pharmaceuticals Limited | - | B | 0.44% |
| DCM Shriram Ltd | Industrials | E | 0.44% |
| West Bengal (Government of) 7.79% | - | DS | 0.43% |
| InterGlobe Aviation Ltd | Industrials | E | 0.43% |
| Nexus Select Trust Reits | Real Estate | ER | 0.43% |
| Caplin Point Laboratories Ltd | Healthcare | E | 0.41% |
| The Federal Bank Ltd | Financial Services | E | 0.40% |
| Oil India Ltd | Energy | E | 0.40% |
| GHCL Ltd | Basic Materials | E | 0.40% |
| Crompton Greaves Consumer Electricals Ltd | Consumer Cyclical | E | 0.39% |
| Uttar Pradesh (Government of) 7.62% | - | DS | 0.39% |
| Sundaram Finance Ltd | Financial Services | E | 0.37% |
| IndusInd Bank Ltd | Financial Services | E | 0.37% |
| JK Paper Ltd | Basic Materials | E | 0.36% |
| IRB InvIT Fund Units 2017-Series IV | Industrials | E | 0.35% |
| Piramal Finance Limited | - | B | 0.35% |
| Tata Power Co Ltd | Utilities | E | 0.34% |
| Phoenix Mills Ltd | Real Estate | E | 0.33% |
| Rec Limited | - | B | 0.33% |
| VRL Logistics Ltd | Industrials | E | 0.32% |
| Aditya Birla Capital Ltd | Financial Services | E | 0.32% |
| G R Infraprojects Ltd | Industrials | E | 0.32% |
| 6.98% Maharashtra Sgs 2037 | - | BT | 0.32% |
| West Bengal (Government of) 7.72% | - | DS | 0.30% |
| Max Financial Services Ltd | Financial Services | E | 0.30% |
| Central Mine Planning & Design Institute Ltd | Basic Materials | E | 0.29% |
| Motilal Oswal Financial Services Ltd | Financial Services | E | 0.29% |
| Great Eastern Shipping Co Ltd | Industrials | E | 0.29% |
| Mahindra Holidays & Resorts India Ltd | Consumer Cyclical | E | 0.29% |
| Marksans Pharma Ltd | Healthcare | E | 0.28% |
| Tips Music Ltd | Communication Services | E | 0.28% |
| Godrej Seeds & Genetics Limited | - | B | 0.28% |
| Godrej Seeds & Genetics Limited | - | B | 0.28% |
| 7.32% Chhattisgarh Sgs 2037 | - | BT | 0.27% |
| General Insurance Corp of India | Financial Services | E | 0.27% |
| Bharat Petroleum Corp Ltd | Energy | E | 0.27% |
| Biocon Ltd | Healthcare | E | 0.27% |
| Torrent Pharmaceuticals Limited | - | B | 0.27% |
| Raymond Lifestyle Ltd | Consumer Cyclical | E | 0.26% |
| Mindspace Business Parks REIT Unit | Real Estate | ER | 0.26% |
| Shivalik Bimetal Controls Ltd | Industrials | E | 0.25% |
| ICICI Prudential Life Insurance Co Ltd | Financial Services | E | 0.25% |
| Colgate-Palmolive (India) Ltd | Consumer Defensive | E | 0.25% |
| Mphasis Ltd | Technology | E | 0.25% |
| UPL Ltd | Basic Materials | E | 0.23% |
| Nippon Life India Asset Management Ltd Ordinary Shares | Financial Services | E | 0.23% |
| Tata Motors Ltd | Consumer Cyclical | E | 0.22% |
| S.P. Apparels Ltd | Consumer Cyclical | E | 0.19% |
| IndiaMART InterMESH Ltd | Communication Services | E | 0.18% |
| Indo Count Industries Ltd | Consumer Cyclical | E | 0.16% |
| Rossari Biotech Ltd Ordinary Shares | Basic Materials | E | 0.12% |
| UTI Nifty 5 Yr Benchmark G-Sec ETF | - | FE | 0.12% |
| UTI Nifty 50 ETF | - | FE | 0.11% |
| UTI Nifty 10 yr Benchmark G-Sec ETF | - | FE | 0.10% |
| Bharat Coking Coal Ltd | Basic Materials | E | 0.09% |
| INDIA UNIVERSAL TRUST AL1 | - | BY | 0.07% |
| 7.08% Haryana Sgs 2039 | - | BT | 0.02% |
| 7.19% Maharashtra Sgs 2040 | - | BT | 0.02% |
| 7.46% Maharashtra Sgs 2035 | - | BT | 0.00144% |
| Net Current Assets | - | C | 2.39% |
| National Bank For Agriculture And Rural Development | - | CD | 1.05% |
| Canara Bank | - | CD | 0.53% |
| Small Industries Dev Bank Of India | - | CD | 0.53% |
| Axis Bank Ltd. Std - Margin | - | CR | 0.11% |
| Clearing Corporation Of India Ltd. Std - Margin | - | CR | 0.01475% |
| Bharti Airtel Ltd (Partly Paid Rs.1.25) | - | E | - |
| Kerala (Government of) 7.66% | - | DS | - |
| Petronet LNG Ltd | - | E | - |
| 6.33% Gs 2035 | - | BT | - |
Sector Holding Analysis
Equity / Debt / Cash Split
Loading chart…
Equity
37.82%
Debt
57.55%
Cash
4.63%
Equity sector allocation
Loading chart…
Basic Materials
3.17%
Communication Services
2.74%
Consumer Cyclical
3.44%
Consumer Defensive
2.47%
Energy
2.7%
Financial Services
10.05%
Healthcare
2.5%
Industrials
3.76%
Real Estate
1.47%
Technology
3.99%
Utilities
1.54%
Others
62.17%
Fund House Contact Details
Websitehttps://www.utiwms.com
Phone+91-22-6678 6666
UTI Asset Management Co Ltd
Asset Management Company
Funds in this Category
ICICI Pru Ret Pure Eq Plan Reg IDCW-P
Allocation
Min. Investment
₹5000
Category Returns
19.46%
25.45%
3Y Returns
+25.45%
ICICI Pru Ret Pure Eq Plan Reg Gr
Allocation
Min. Investment
₹5000
Category Returns
19.46%
25.45%
3Y Returns
+25.44%
SBI Children's Bnf - IP Reg Gr
Allocation
Min. Investment
₹5000
Category Returns
19.46%
25.45%
3Y Returns
+23.76%
About UTI Retirement Fund Reg
Investment Objective of the Scheme
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.
Key Features of The Fund
5-year return
+10.24%
Fund Manager
V Srivatsa
Risk Profile
Moderately High Risk
Expense Ratio
1.70%
Fund Size
₹4475.57 Cr
FAQ's
What has been the returns generated by UTI Retirement Fund Reg over different time periods?
The UTI Retirement Fund Reg has given returns
1-Year
1.87
3-Year
10.49
5-Year
10.24
What is the expense ratio of UTI Retirement Fund Reg?
The expense ratio of UTI Retirement Fund Reg is 1.7%.
What is the AUM (Assets Under Management) of UTI Retirement Fund Reg?
The AUM, short for Assets Under Management of UTI Retirement Fund Reg is ₹4475.57 Cr as of 01 Apr 3388.
What are the top stock holdings of UTI Retirement Fund Reg?
The UTI Retirement Fund Reg has invested the majority of its money in the stocks of the following companies:
| Company | Percentage of Portfolio |
|---|---|
| 7.18% Gs 2037 | 7.02% |
| 6.68% Gs 2040 | 3.55% |
| 7.32% Gs 2030 | 3.18% |
| HDFC Bank Limited | 2.82% |
| 7.24% Gs 2055 | 2.63% |
| HDFC Bank Ltd | 2.59% |
| ICICI Bank Ltd | 2.40% |
| Infosys Ltd | 1.89% |
| Power Finance Corporation Limited | 1.67% |
| 6.28% Gs 2032 | 1.62% |
| Reliance Industries Ltd | 1.49% |
| Larsen & Toubro Ltd | 1.35% |
| 7.32% Rajasthan Sgs 2035 | 1.24% |
| ITC Ltd | 1.23% |
| Power Grid Corp Of India Ltd | 1.20% |
| Vedanta Ltd | 1.18% |
| 7.73% Westbengal Sgs 2043 | 1.15% |
| Indian Railway Finance Corporation Limited | 1.12% |
| Aditya Birla Capital Limited | 1.12% |
| Small Industries Development Bank Of India | 1.11% |
| Andhra Pradesh (Government of) 7.88% | 1.11% |
| State Government Of Kerala | 1.10% |
| Export Import Bank Of India | 1.10% |
| Bajaj Finance Limited | 1.10% |
| West Bengal (Government of) 7.74% | 1.09% |
| Haryana (State Of) 7.73% | 1.09% |
| Power Finance Corporation Limited | 1.09% |
| 6.92% Gs 2039 | 1.09% |
| Indian Railway Finance Corporation Limited | 1.08% |
| 6.48% Gs 2035 | 1.08% |
| Madhya Pradesh SDL | 1.04% |
| 6.82% Andhra Sgs 2036 | 1.04% |
| 7.10% Gs 2034 | 0.97% |
| Bharti Airtel Ltd | 0.96% |
| Wipro Ltd | 0.96% |
| HCL Technologies Ltd | 0.89% |
| Indus Towers Ltd Ordinary Shares | 0.86% |
| 6.99% Westbengal Sdl 2036 | 0.85% |
| State Bank of India | 0.83% |
| Mahindra & Mahindra Ltd | 0.77% |
| Shriram Finance Ltd | 0.75% |
| Maruti Suzuki India Ltd | 0.67% |
| Life Insurance Corporation of India | 0.63% |
| INDIA UNIVERSAL TRUST AL1 | 0.60% |
| 7.48% Uttarpradesh Sgs 2036 | 0.59% |
| Aurobindo Pharma Ltd | 0.58% |
| National Bank For Agriculture And Rural Development | 0.56% |
| Indian Railway Finance Corporation Limited | 0.56% |
| Aditya Birla Housing Finance Limited | 0.56% |
| LIC Housing Finance Ltd | 0.56% |
| Indian Railway Finance Corporation Limited | 0.56% |
| West Bengal (Government of) 7.88% | 0.56% |
| Rural Electrification Corporation Limited | 0.55% |
| Poonawalla Fincorp Limited | 0.55% |
| Small Industries Development Bank Of India | 0.55% |
| Axis Finance Limited | 0.55% |
| Bajaj Finance Limited | 0.55% |
| SHIVSHAKTI SECURITISATION TRUST | 0.55% |
| Madhya Pradesh (Government of) 7.65% | 0.55% |
| 7.23% Rajasthan Sgs 2035 | 0.54% |
| 6.96% Andhra Sgs 2034 | 0.53% |
| Coal India Ltd | 0.53% |
| 7.08% Andhra Sgs 2037 | 0.53% |
| 7.12% Maharashtra Sgs 2047 | 0.52% |
| Emami Ltd | 0.50% |
| Ajanta Pharma Ltd | 0.50% |
| Grasim Industries Ltd | 0.48% |
| NIIT Learning Systems Ltd | 0.48% |
| Hero MotoCorp Ltd | 0.47% |
| Info Edge (India) Ltd | 0.46% |
| Glenmark Pharmaceuticals Ltd | 0.45% |
| Knowledge Realty Trust Units | 0.45% |
| Torrent Pharmaceuticals Limited | 0.44% |
| DCM Shriram Ltd | 0.44% |
| West Bengal (Government of) 7.79% | 0.43% |
| InterGlobe Aviation Ltd | 0.43% |
| Nexus Select Trust Reits | 0.43% |
| Caplin Point Laboratories Ltd | 0.41% |
| The Federal Bank Ltd | 0.40% |
| Oil India Ltd | 0.40% |
| GHCL Ltd | 0.40% |
| Crompton Greaves Consumer Electricals Ltd | 0.39% |
| Uttar Pradesh (Government of) 7.62% | 0.39% |
| Sundaram Finance Ltd | 0.37% |
| IndusInd Bank Ltd | 0.37% |
| JK Paper Ltd | 0.36% |
| IRB InvIT Fund Units 2017-Series IV | 0.35% |
| Piramal Finance Limited | 0.35% |
| Tata Power Co Ltd | 0.34% |
| Phoenix Mills Ltd | 0.33% |
| Rec Limited | 0.33% |
| VRL Logistics Ltd | 0.32% |
| Aditya Birla Capital Ltd | 0.32% |
| G R Infraprojects Ltd | 0.32% |
| 6.98% Maharashtra Sgs 2037 | 0.32% |
| West Bengal (Government of) 7.72% | 0.30% |
| Max Financial Services Ltd | 0.30% |
| Central Mine Planning & Design Institute Ltd | 0.29% |
| Motilal Oswal Financial Services Ltd | 0.29% |
| Great Eastern Shipping Co Ltd | 0.29% |
| Mahindra Holidays & Resorts India Ltd | 0.29% |
| Marksans Pharma Ltd | 0.28% |
| Tips Music Ltd | 0.28% |
| Godrej Seeds & Genetics Limited | 0.28% |
| Godrej Seeds & Genetics Limited | 0.28% |
| 7.32% Chhattisgarh Sgs 2037 | 0.27% |
| General Insurance Corp of India | 0.27% |
| Bharat Petroleum Corp Ltd | 0.27% |
| Biocon Ltd | 0.27% |
| Torrent Pharmaceuticals Limited | 0.27% |
| Raymond Lifestyle Ltd | 0.26% |
| Mindspace Business Parks REIT Unit | 0.26% |
| Shivalik Bimetal Controls Ltd | 0.25% |
| ICICI Prudential Life Insurance Co Ltd | 0.25% |
| Colgate-Palmolive (India) Ltd | 0.25% |
| Mphasis Ltd | 0.25% |
| UPL Ltd | 0.23% |
| Nippon Life India Asset Management Ltd Ordinary Shares | 0.23% |
| Tata Motors Ltd | 0.22% |
| S.P. Apparels Ltd | 0.19% |
| IndiaMART InterMESH Ltd | 0.18% |
| Indo Count Industries Ltd | 0.16% |
| Rossari Biotech Ltd Ordinary Shares | 0.12% |
| UTI Nifty 5 Yr Benchmark G-Sec ETF | 0.12% |
| UTI Nifty 50 ETF | 0.11% |
| UTI Nifty 10 yr Benchmark G-Sec ETF | 0.10% |
| Bharat Coking Coal Ltd | 0.09% |
| INDIA UNIVERSAL TRUST AL1 | 0.07% |
| 7.08% Haryana Sgs 2039 | 0.02% |
| 7.19% Maharashtra Sgs 2040 | 0.02% |
| 7.46% Maharashtra Sgs 2035 | 0.00% |
| Net Current Assets | 2.39% |
| National Bank For Agriculture And Rural Development | 1.05% |
| Canara Bank | 0.53% |
| Small Industries Dev Bank Of India | 0.53% |
| Axis Bank Ltd. Std - Margin | 0.11% |
| Clearing Corporation Of India Ltd. Std - Margin | 0.01% |
| Bharti Airtel Ltd (Partly Paid Rs.1.25) | - |
| Kerala (Government of) 7.66% | - |
| Petronet LNG Ltd | - |
| 6.33% Gs 2035 | - |
In which sectors has UTI Retirement Fund Reg invested in?
The UTI Retirement Fund Reg has invested the majority of its money in the stocks of the following sectors -
| Company | Percentage of Portfolio |
|---|---|
| Basic Materials | 3.17% |
| Communication Services | 2.74% |
| Consumer Cyclical | 3.44% |
| Consumer Defensive | 2.47% |
| Energy | 2.70% |
| Financial Services | 10.05% |
| Healthcare | 2.50% |
| Industrials | 3.76% |
| Real Estate | 1.47% |
| Technology | 3.99% |
| Utilities | 1.54% |
What is the risk level of UTI Retirement Fund Reg?
This is a Retirement fund comes with Moderately High Risk.
Who are the fund managers of UTI Retirement Fund Reg?
UTI Retirement Fund Reg fund managers are V Srivatsa, Anurag Mittal.
Is there a minimum SIP amount to invest in UTI Retirement Fund Reg?
The minimum SIP amount to start investment in UTI Retirement Fund Reg is ₹100 while ₹1,000 can be invested as Lumpsum amount.
Can I invest in UTI Retirement Fund Reg both in SIP and lump sum?
You can opt for either SIP or Lumpsum to invest in UTI Retirement Fund Reg on the basis of your investment objective and risk tolerance.
How to invest in UTI Retirement Fund Reg?
Investing in mutual funds is easy on HDFC SKY.
Follow these simple steps to invest in UTI Retirement Fund Reg:
- On HDFC SKY open your demat account if you don't have one.
- Check the performance of UTI Retirement Fund Reg.
- Choose between SIP or Lumpsum and start your mutual fund investment journey on HDFC Sky.
Is there any exit load charges of UTI Retirement Fund Reg?
The exit load of UTI Retirement Fund Reg is as follows:
Exit load of 1.0%, if redeemed within 1 year
.What is the process to redeem my investment in HDFC SKY?
The following are the Steps to Redeem mutual funds on HDFC SKY:
1. Go to Mutual Funds > My Investments/Portfolio.
2. Select the fund and tap Redeem/Sell.
3. Choose Full, Units, or Amount.
4. Review NAV, units, and exit load.
5. Confirm. Amount (Units × NAV) is credited to the registered bank in T+1–T+3 days. ELSS has a 3-year lock-in.
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