UTI Retirement Fund - Direct Plan - Growth

UTI Mutual Fund · Retirement Fund · Direct · Growth

NAV · as of 10/09/2026

54.61

+0.01%

+1.99%

Key stats

Expense ratio: 1.10%
AUM: ₹4.70 K Cr
Launched: 01/01/2013
Fund manager: V Srivatsa; Anurag Mittal
Lock-in: 5 days
Portfolio turnover: 0.36%
Risk: Moderately High Risk
Min lump-sum: ₹500
Min SIP: ₹500/mo
Fresh lump-sum: Accepted
Fresh SIP: Accepted

NAV history

UTI Retirement Fund - Direct Plan - Growth

12/08/2026 to 10/09/2026

O - H - L -

1W-0.62%

1M-1.69%

3M+2.29%

6M+1.71%

1Y+1.99%

3Y+8.69%

5Y+9.17%

MAX+199.87%

Top holdings

133 disclosed

1.
Net Current Assets
12.28%
2.
7.18% Govt Stock 2037
6.83%
3.
HDFC Bank Ltd
Financial Services
3.26%
4.
ICICI Bank Ltd
Financial Services
3.11%
5.
7.32% Govt Stock 2030
3.06%
6.
7.24% Govt Stock 2055
2.57%
7.
Infosys Ltd
Technology
2.12%
8.
6.68% Govt Stock 2040
2.05%
9.
Reliance Industries Ltd
Energy
2.00%
10.
Power Finance Corporation Limited - NCD & Bonds
1.61%
11.
6.28% Govt Stock 2032
1.56%
12.
Larsen & Toubro Ltd
Industrials
1.56%
13.
State Bank of India
Financial Services
1.38%
14.
ITC Ltd
Consumer Defensive
1.31%
15.
Bharti Airtel Ltd
Communication Services
1.22%
16.
7.32% Rajasthan Sgs 2035
1.20%
17.
7.73% Westbengal Sgs 2043
1.12%
18.
Power Grid Corp Of India Ltd
Utilities
1.09%
19.
Andhra Pradesh (Government of) 7.88%
1.08%
20.
Indian Railway Finance Corporation Limited - NCD & Bonds
1.07%
21.
Haryana SDL
1.06%
22.
State Government Of Kerala
1.06%
23.
Aditya Birla Capital Limited - NCD & Bonds
1.06%
24.
Export Import Bank Of India - NCD & Bonds
1.06%
25.
Small Industries Development Bank Of India - NCD & Bonds
1.06%
26.
6.92% Govt Stock 2039
1.06%
27.
West Bengal (Government of) 7.74%
1.03%
28.
National Bank For Agriculture And Rural Development
1.02%
29.
Madhya Pradesh SDL
1.01%
30.
6.82% Andhra Sgs 2036
1.01%
31.
7.1% Govt Stock 2034
0.94%
32.
Shriram Finance Ltd
Financial Services
0.90%
33.
Mahindra & Mahindra Ltd
Consumer Cyclical
0.89%
34.
HCL Technologies Ltd
Technology
0.84%
35.
6.99% Westbengal Sdl 2036
0.81%
36.
Wipro Ltd
Technology
0.75%
37.
Aditya Birla Housing Finance Limited - NCD & Bonds
0.74%
38.
Vedanta Aluminium Metal Ltd
Basic Materials
0.70%
39.
Maruti Suzuki India Ltd
Consumer Cyclical
0.69%
40.
Indus Towers Ltd Ordinary Shares
Communication Services
0.67%
41.
Hero MotoCorp Ltd
Consumer Cyclical
0.67%
42.
Grasim Industries Ltd
Basic Materials
0.60%
43.
Aurobindo Pharma Ltd
Healthcare
0.55%
44.
INDIA UNIVERSAL TRUST AL1
0.55%
45.
Info Edge (India) Ltd
Communication Services
0.55%
46.
Caplin Point Laboratories Ltd
Healthcare
0.54%
47.
Indian Railway Finance Corporation Limited - NCD & Bonds
0.54%
48.
Ajanta Pharma Ltd
Healthcare
0.54%
49.
InterGlobe Aviation Ltd
Industrials
0.53%
50.
Indian Railway Finance Corporation Limited - NCD & Bonds
0.53%
51.
National Bank For Agriculture And Rural Development - NCD & Bonds
0.53%
52.
Madhya Pradesh SDL
0.53%
53.
Aditya Birla Housing Finance Limited - NCD & Bonds
0.53%
54.
Power Finance Corporation Limited - NCD & Bonds
0.53%
55.
Rural Electrification Corporation Limited - NCD & Bonds
0.53%
56.
Bharti Telecom Limited - NCD & Bonds
0.53%
57.
Poonawalla Fincorp Limited - NCD & Bonds
0.52%
58.
Small Industries Development Bank Of India - NCD & Bonds
0.52%
59.
Axis Finance Limited - NCD & Bonds
0.52%
60.
Bajaj Finance Limited - NCD & Bonds
0.52%
61.
7.23% Rajasthan Sgs 2035
0.52%
62.
Life Insurance Corporation of India
Financial Services
0.52%
63.
SHIVSHAKTI SECURITISATION TRUST
0.52%
64.
6.96% Andhra Sgs 2034
0.52%
65.
7.08% Andhra Sgs 2037
0.51%
66.
Canara Bank
0.51%
67.
Small Industries Dev Bank Of India
0.51%
68.
Emami Ltd
Consumer Defensive
0.51%
69.
NIIT Learning Systems Ltd
Consumer Defensive
0.50%
70.
7.12% Maharashtra Sgs 2047
0.50%
71.
Tata Power Co Ltd
Utilities
0.47%
72.
GHCL Ltd
Basic Materials
0.46%
73.
Nexus Select Trust Reits
Real Estate
0.45%
74.
VRL Logistics Ltd
Industrials
0.45%
75.
Crompton Greaves Consumer Electricals Ltd
Consumer Cyclical
0.45%
76.
Knowledge Realty Trust Units
Real Estate
0.44%
77.
Torrent Pharmaceuticals Ltd - NCD & Bonds
0.42%
78.
DCM Shriram Ltd
Industrials
0.42%
79.
Sundaram Finance Ltd
Financial Services
0.41%
80.
IndusInd Bank Ltd
Financial Services
0.41%
81.
Aditya Birla Capital Ltd
Financial Services
0.40%
82.
G R Infraprojects Ltd
Industrials
0.38%
83.
The Federal Bank Ltd
Financial Services
0.38%
84.
Coal India Ltd
Energy
0.37%
85.
ICICI Prudential Life Insurance Co Ltd
Financial Services
0.37%
86.
IRB InvIT Fund Units 2017-Series IV
Industrials
0.34%
87.
Phoenix Mills Ltd
Real Estate
0.34%
88.
Motilal Oswal Financial Services Ltd
Financial Services
0.34%
89.
Piramal Finance Limited - NCD & Bonds
0.33%
90.
Rec Limited - NCD & Bonds
0.31%
91.
General Insurance Corp of India
Financial Services
0.31%
92.
6.98% Maharashtra Sgs 2037
0.31%
93.
Max Financial Services Ltd
Financial Services
0.28%
94.
Tips Music Ltd
Communication Services
0.28%
95.
Colgate-Palmolive (India) Ltd
Consumer Defensive
0.27%
96.
Tata Motors Ltd
Consumer Cyclical
0.27%
97.
Mahindra Holidays & Resorts India Ltd
Consumer Cyclical
0.26%
98.
Godrej Seeds & Genetics Limited - NCD & Bonds
0.26%
99.
Godrej Seeds & Genetics Limited - NCD & Bonds
0.26%
100.
Great Eastern Shipping Co Ltd
Industrials
0.26%
101.
Marksans Pharma Ltd
Healthcare
0.26%
102.
Alembic Pharmaceuticals Ltd
Healthcare
0.25%
103.
UPL Ltd
Basic Materials
0.24%
104.
JK Paper Ltd
Basic Materials
0.23%
105.
Raymond Lifestyle Ltd
Consumer Cyclical
0.23%
106.
Glenmark Pharmaceuticals Ltd
Healthcare
0.21%
107.
National Bank For Agriculture And Rural Development - NCD & Bonds
0.21%
108.
Canara Bank
0.20%
109.
National Aluminium Co Ltd
Basic Materials
0.19%
110.
S.P. Apparels Ltd
Consumer Cyclical
0.17%
111.
Rossari Biotech Ltd Ordinary Shares
Basic Materials
0.15%
112.
REC Ltd
Financial Services
0.15%
113.
Biocon Ltd
Healthcare
0.15%
114.
UTI Nifty 5 Yr Benchmark G-Sec ETF
0.11%
115.
UTI Nifty 50 ETF
0.11%
116.
Axis Bank Ltd. Std - Margin
0.11%
117.
UTI Nifty 10 yr Benchmark G-Sec ETF
0.10%
118.
Mindspace Business Parks REIT Unit
Real Estate
0.08%
119.
Indus Infra Trust Unit
Financial Services
0.07%
120.
Vedanta Iron and Steel Ltd
Basic Materials
0.05%
121.
7.48% Uttarpradesh Sgs 2036
0.04%
122.
Clearing Corporation Of India Ltd. Std - Margin
0.02%
123.
Torrent Pharmaceuticals Ltd - NCD & Bonds
0.02%
124.
7.08% Haryana Sgs 2039
0.02%
125.
7.19% Maharashtra Sgs 2040
0.01%
126.
Mphasis Ltd
Technology
0.01%
127.
Vedanta Power Ltd
Utilities
0.01%
128.
6.94% Govt Stock 2036
0.00%
129.
7.46% Maharashtra Sgs 2035
0.00%
130.
Bharat Petroleum Corp Ltd
-
131.
State Government Of West Bengal
-
132.
Shivalik Bimetal Controls Ltd
-
133.
Oil India Ltd
-

Sector allocation

Unclassified60.72%
Financial Services12.30%
Industrials3.95%
Technology3.73%
Consumer Cyclical3.63%
Communication Services2.71%
Basic Materials2.63%
Consumer Defensive2.59%
Healthcare2.49%
Energy2.37%
Utilities1.57%
Real Estate1.32%

Comparable peers

Aditya Birla Sun Life Retirement The 30s Growth Direct Plan
ABSL Retirement The 30s (G) · ₹473.10 Cr AUM
1Y+14.79%
3Y+16.22%
-
ICICI Prudential Retirement Hybrid Aggressive Growth Direct Plan
ICICI Pru Retirement Hybrid Aggressive (G) · ₹1.27 K Cr AUM
1Y+8.65%
3Y+17.42%
-
ICICI Prudential Retirement Pure Equity Growth Direct Plan
ICICI Pru Retirement Pure Equity (G) · ₹2.10 K Cr AUM
1Y+8.44%
3Y+19.43%
-
Tata Retirement Saving Progressive Growth Direct Plan
Tata Retirement Saving Progressive (G) · ₹2.25 K Cr AUM
1Y+8.18%
3Y+13.21%
-
UTI Retirement Growth Direct Plan
UTI Retirement (G) · ₹4.70 K Cr AUM
1Y+1.99%
3Y+8.80%
-

Investment objective

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.

Scheme details

Scheme code: 120766
Fund house: UTI Mutual Fund
Category: Open Ended
Type: Solution Oriented Scheme
Sub-category: Retirement Fund
Plan: Direct
Return type: Growth
ISIN (Growth): INF789F1AA64
ISIN (Div. Reinvest): -
Tradable on exchange: No

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