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Our Opinion
Riskometer
High
₹53.5545 0.37%
As on 18-Mar-2026
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
We have shifted from our proprietary CapRank classification system to SEBI’s market cap classification system with effect from 14 Jan, 2026.
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Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
UTI Retirement Fund - Direct Plan
|
|
High
|
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1.14 |
||
|
|
High
|
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1.61 |
|||
|
|
High
|
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0.45 |
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|
|
High
|
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1.59 |
₹4,732 Cr
1.00 (365)
500
--
500
6
About UTI Retirement Fund - Direct Plan
UTI Retirement Fund - Direct Plan is a hybrid mutual fund scheme of UTI Mutual Fund. Launched on January 01, 2013, it is currently managed by V Srivatsa and Anurag Mittal. The fund has an expense ratio of 1.14% with an overall AUM (Assets Under Management) of ₹4,732 Cr.
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. The fund allows minimum lumpsum investment of ₹500 and minimum SIP of ₹500.
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.
Suitability
Balanced Hybrid funds are suitable for investors:
Note:
Capital Gains Taxation
The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
1 min read•By News Desk
1 min read•By News Desk
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of UTI Retirement Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, UTI Retirement Fund - Direct Plan can be bought from the UTI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of UTI Retirement Fund - Direct Plan, is ₹53.5545 as of 19-Mar-2026.
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 7.18 24/07/2037 |
6.85
|
|
GOI Sec 6.68 07/07/2040 |
4.09
|
|
GOI Sec 7.32 13/11/2030 |
3.08
|
|
HDFC Bank Ltd SR AB002 Debenture 7.97 17/02/2033 |
2.72
|
|
GOI Sec 7.24 18/08/2055 |
2.61
|
Over the past five years, UTI Retirement Fund - Direct Plan has delivered an annualised return of 11.38% as of 19-Mar-2026.
The minimum investment required to start investing in UTI Retirement Fund - Direct Plan is ₹500 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
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