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Unrated

UTI Retirement Benefit Pension Fund - Direct Plan


Hybrid: Balanced Hybrid

1 Lakh

Investment Grown to
₹ 1.06 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.71 Lakh

Suitability:

When you invest for five years or more, you can expect gains that beat the inflation rate as well as the returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Balanced hybrid funds invest roughly half your money in equity shares and the rest in bonds. Their returns are lower than pure equity funds which invest all your money in shares, but they also fall less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other balanced hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 1.93 0.16 0.84 2.27 10.80 0.69 5.20 1.96 5.62 9.36 --
VR Balanced TRI -5.22 0.75 0.79 3.63 17.45 -5.19 4.03 5.24 6.90 11.15 --
Hybrid: Balanced Hybrid -3.45 0.49 1.08 2.60 12.92 -4.84 3.50 2.47 5.44 10.02 --
Rank within category 1 9 7 7 6 1 5 6 3 6 --
Number of funds in category 10 10 10 10 10 10 10 10 8 8 0

As on 06-Aug-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Retirement Benefit Pension Fund - Direct Plan  | Invest Online
Unrated
Jan-13 5.20 1.96 5.62 1.25 2,745
ICICI Prudential Asset Allocator Fund (FOF) - Direct Plan  | Invest Now
Unrated
Jan-13 7.24 6.82 9.42 0.06 7,327
UTI Children's Career Fund-Savings Plan - Direct Plan  | Invest Online
Unrated
Jan-13 5.01 2.12 5.27 1.59 3,426
Axis Children's Gift - Direct Plan  | Invest Online
Unrated
Dec-15 8.46 7.14 -- 1.07 434
Franklin India Pension Fund - Direct Plan  | Invest Online Now
Unrated
Jan-13 6.31 4.65 6.61 1.53 417

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.71 (24-Mar-2020 - 31-Mar-2020) -7.89 (11-Mar-2020 - 18-Mar-2020)
Month 9.68 (24-Mar-2020 - 23-Apr-2020) -16.61 (20-Feb-2020 - 23-Mar-2020)
Quarter 16.67 (24-Mar-2020 - 23-Jun-2020) -15.72 (23-Dec-2019 - 23-Mar-2020)
Year 29.66 (13-Feb-2014 - 13-Feb-2015) -17.67 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 2.15 9.54 -0.32 -0.35 0.50 -3.63
VR Balanced TRI 6.33 17.40 0.06 0.07 -- --
Hybrid: Balanced Hybrid 3.03 13.03 -0.19 -0.20 0.69 -2.96
Rank within category 7 3 9 9 3 6
Number of funds in category 10 10 10 10 10 10

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 59
Top 10 Holdings (%) 32.62
Top 5 Holdings (%) 22.71
Top 3 Sectors (%) 21.63
Portfolio P/B Ratio 1.74
Portfolio P/E Ratio 14.47

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.45% GOI 2029 GOI Securities SOV 0.00 - 14.81 9.40
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 0.00 - 4.20 3.88
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 0.00 - 4.09 3.59
equal 8.40% Indiabulls Housing Finance 19/03/2021 Non Convertible Debenture AA 0.00 - 3.55 3.33
equal 7.55% IRFC 2029 Debenture AAA 0.00 - 2.10 1.94
equal 7.48% IRFC 13/08/2029 Non Convertible Debenture AAA 0.00 - 2.09 1.93
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 2.05 1.86
new 7.25% HDFC 17/06/2030 Debenture AAA 0.00 - 1.85 1.85
equal 9.05% Cholamandalam Invest. & Fin. 24/03/2028 Non Convertible Debenture AA+ 1.69 - 2.06 1.80
equal Indostar Capital Finance 15/03/2021 Non Convertible Debenture AA- 1.73 - 1.98 1.79
equal 8.30% NTPC 15/01/2029 Debenture AAA 1.51 - 1.76 1.62
down 8.41% HUDCO 15/03/2029 Debenture AAA 1.43 - 2.22 1.43
up 9.53% Indian Bank 27/12/2029 Debenture AA- 0.00 - 1.42 1.42
equal 8.30% Jorabat Shillong Expressway 2027 Non Convertible Debenture D 1.18 - 1.34 1.20
equal 8.13% Power Grid Corporation 25/04/2024 Debenture AAA 0.00 - 1.08 1.00
equal 7.27% GOI 2026 GOI Securities SOV 0.00 - 1.02 0.99
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.92 - 6.37 0.98
equal 7.25% Larsen & Toubro 24/04/2023 Non Convertible Debenture AAA 0.00 - 0.97 0.95
equal 6.75% Power Finance Corp. 22/05/2023 Debenture AAA 0.00 - 0.95 0.94
equal HDFC 19/05/2022 Non Convertible Debenture AAA 0.00 - 0.96 0.94
down 7.55% REC 2030 Debenture AAA 0.00 - 1.87 0.93
new 6.22% HDFC 2021 Debenture AAA 0.00 - 0.92 0.92
new 6.57% National Bank Agr. Rur. Devp 2027 Debenture AAA 0.00 - 0.92 0.92
equal 7.98% Union Bank of India 24/10/2027 Non Convertible Debenture AA 0.00 - 0.95 0.92
equal 6.99% Nat. Highways Authority 28/05/2035 Non Convertible Debenture AAA 0.00 - 0.95 0.91

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down Infosys Technology 23.78 3.23 1.20 2.51
down ITC FMCG 16.68 2.66 1.47 2.08
equal ICICI Bank Financial 22.79 3.57 1.55 2.03
equal HDFC Financial 14.05 2.61 0.00 1.93
equal HDFC Bank Financial 20.14 2.23 0.00 1.73
equal Bharti Airtel Communication -- 1.71 0.00 1.67
down Reliance Industries Energy 34.17 2.04 0.00 1.56
equal State Bank of India Financial 7.88 1.44 0.00 1.30
equal Larsen & Toubro Construction 15.34 1.54 0.58 1.28
down NTPC Energy 12.61 1.30 0.00 1.13
equal Axis Bank Financial 72.28 1.29 0.00 1.05
down Sun Pharmaceutical Inds. Healthcare 174.77 1.56 0.82 1.05
equal Hero Motocorp Automobile 14.85 0.96 0.00 0.77
equal Cipla Healthcare 37.99 0.80 0.00 0.76
equal GAIL Energy 4.64 0.82 0.00 0.71
equal Cadila Healthcare Healthcare 30.14 0.73 0.00 0.69
equal Muthoot Finance Financial 15.55 0.63 0.00 0.63
up Hindustan Zinc Metals 16.73 0.60 0.00 0.60
equal Tata Steel Metals 31.25 0.73 0.00 0.59
new Reliance Industries Ltd - Partly Paid Equity Energy -- 0.56
down Motilal Oswal Financial Financial 44.22 0.64 0.00 0.55
down Gujarat State Petronet Energy 6.76 0.52 0.00 0.52
down Mphasis Technology 18.17 1.30 0.47 0.52
up Ambuja Cements Construction 21.93 0.52 0.00 0.52
equal Aditya Birla Capital Financial 15.51 0.61 0.00 0.51

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Jun-2020

Fund Manager

— Amandeep Singh Chopra since 01-Jan-2013

Education: Mr. Chopra is a B.Sc. from St.Stephen's College and an MBA from FMS, Delhi.

Experience: He has been with associated with UTI AMC for over two decades.

Interviews:

Funds Managed:

— V Srivatsa since 01-Jan-2013

Education: Mr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore.

Experience: Prior to joining UTI in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.

Funds Managed:


0.16%

Change from previous, NAV as on 06-Aug-2020

Growth: ₹ 27.1765


Investment Strategy

The scheme seeks 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.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) --
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) --
Exit Load 0

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.09%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,745 Cr (As on 30-Jun-2020)
Expense: 1.25% (As on 30-Jun-2020)
Risk Grade: --
Return Grade: --
Turnover: --

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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