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Unrated

UTI Retirement Benefit Pension Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.63 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also higher than fixed income options. But be prepared for ups and downs in your investment value along the way.

Balanced hybrid funds invest roughly half of your money in equity shares and the rest in bonds and commodities. 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 its 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 three 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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 -0.39 -0.36 -0.97 -1.88 0.06 3.32 0.30 3.14 5.22 8.06 7.55
VR Balanced TRI -3.04 -0.82 -2.14 -3.65 -2.07 5.43 9.10 10.10 7.42 11.18 9.82
Hybrid: Balanced Hybrid -0.49 -0.53 -1.73 -1.84 0.28 6.16 7.85 5.77 6.05 9.50 8.76
Rank within category 5 4 3 6 6 10 10 10 6 8 7
Number of funds in category 10 10 10 10 10 10 10 10 8 8 8

As on 26-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 5.93 (13-May-2009 - 20-May-2009) -8.33 (10-May-2004 - 17-May-2004)
Month 10.34 (11-May-2009 - 10-Jun-2009) -10.70 (09-May-2006 - 08-Jun-2006)
Quarter 22.06 (09-Mar-2009 - 10-Jun-2009) -12.38 (23-Feb-2000 - 24-May-2000)
Year 40.04 (20-Oct-1998 - 20-Oct-1999) -18.98 (11-Apr-2000 - 11-Apr-2001)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.11 5.98 -0.26 -0.35 0.46 -4.46
VR Balanced TRI 11.92 10.21 0.61 0.95 -- --
Hybrid: Balanced Hybrid 6.71 7.30 0.16 0.23 0.62 -2.81
Rank within category 10 5 10 10 4 8
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-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 57
Top 10 Holdings (%) 31.04
Top 5 Holdings (%) 18.93
Top 3 Sectors (%) 21.76
Portfolio P/B Ratio 2.02
Portfolio P/E Ratio 15.16

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
up 6.45% GOI 2029 GOI Securities SOV 0.00 - 5.48 5.48
new National Bank Agr. Rur. Devp Non Convertible Debenture AAA 0.00 - 3.58 3.58
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 0.00 - 3.61 3.58
equal 8.40% Indiabulls Housing Finance 19/03/2021 Non Convertible Debenture AA+ 0.00 - 3.39 3.06
equal State Bank of India 2056 Debenture AA+ 1.62 - 2.32 2.25
equal 8.41% HUDCO 15/03/2029 Debenture AAA 0.00 - 2.00 1.90
equal 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 1.87 1.85
equal 7.45% REC 30/11/2022 Non Convertible Debenture AAA 1.73 - 1.87 1.81
equal 7.55% IRFC 2029 Debenture AAA 0.00 - 1.81 1.79
equal 7.48% IRFC 13/08/2029 Non Convertible Debenture AAA 0.00 - 1.80 1.78
equal Indostar Capital Finance 15/03/2021 Non Convertible Debenture AA- 1.73 - 1.82 1.73
equal 9.05% Cholamandalam Invest. & Fin. 24/03/2028 Non Convertible Debenture AA+ 1.64 - 1.75 1.71
equal 8.30% NTPC 15/01/2029 Debenture AAA 1.44 - 1.84 1.52
equal 8.05% HDFC 22/10/2029 Non Convertible Debenture AAA 0.00 - 1.84 1.46
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 0.91 - 1.45 1.44
equal 8.29% National Bank Agr. Rur. Devp 24/01/2029 Debenture AAA 0.00 - 1.39 1.32
equal 8.35% IRFC 13/03/2029 Debenture AAA 0.00 - 2.17 1.31
new 6.77% HDFC 28/06/2021 Non Convertible Debenture AAA 0.00 - 1.25 1.25
equal 8.30% Jorabat Shillong Expressway 2027 Non Convertible Debenture D 0.00 - 1.76 1.18
equal 8.13% Power Grid Corporation 25/04/2024 Debenture AAA 0.00 - 0.95 0.94
down 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 6.37 0.92
equal 8.33% LIC Housing Fin. 31/05/2024 Non Convertible Debenture AAA 0.00 - 0.93 0.92
down 6.99% HDFC 25/11/2021 Non Convertible Debenture AAA 0.00 - 2.16 0.90
down 7.98% Andhra Bank 24/10/2027 Non Convertible Debenture AA 0.88 - 1.61 0.88
equal 8.08% Axis Finance 14/09/2027 Non Convertible Debenture AAA 0.82 - 0.89 0.86

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
equal Infosys Technology 20.39 3.23 1.20 3.23
down ICICI Bank Financial 35.73 3.57 1.55 2.97
equal HDFC Financial 18.09 2.61 0.00 2.60
equal ITC FMCG 16.29 2.66 1.47 2.39
equal Bharti Airtel Communication -- 1.45 0.00 1.45
equal Sun Pharmaceutical Inds. Healthcare 22.46 1.56 0.82 1.30
equal State Bank of India Financial 24.94 1.44 0.00 1.27
equal Axis Bank Financial 43.00 1.29 0.00 1.24
equal Indusind Bank Financial 17.48 1.39 0.00 1.08
equal GAIL Energy 7.84 1.17 0.00 0.82
equal NTPC Energy 5.57 1.02 0.00 0.79
equal Hero Motocorp Automobile 11.24 0.96 0.00 0.74
equal Lupin Healthcare -- 0.84 0.00 0.69
equal Tata Steel Metals 9.26 0.73 0.00 0.68
equal LIC Housing Fin. Financial 6.56 0.74 0.00 0.67
equal Federal Bank Financial 10.12 1.06 0.46 0.66
equal Phoenix Mills Construction 26.94 0.68 0.38 0.65
equal Tata Power Energy 20.27 0.68 0.00 0.64
equal Cadila Healthcare Healthcare 21.63 0.64 0.00 0.64
equal Larsen & Toubro Construction 17.41 1.54 0.58 0.61
equal Motilal Oswal Financial Financial 19.90 0.64 0.00 0.59
up Tata Motors DVR Automobile -- 0.85 0.00 0.58
down Mphasis Technology 14.48 1.30 0.49 0.57
equal Aditya Birla Capital Financial 18.59 0.61 0.00 0.55
equal Oberoi Realty Construction 31.40 0.53 0.00 0.53

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 31-Jan-2020

Fund Manager

— Amandeep Singh Chopra since 14-Dec-2006

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 25-Sep-2009

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:


-0.36%

Change from previous, NAV as on 26-Feb-2020

Growth: ₹ 25.5408


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: 26-Dec-1994
Return Since Launch: 9.88%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,796 Cr (As on 31-Jan-2020)
Expense: 2.01% (As on 31-Jan-2020)
Risk Grade: --
Return Grade: --
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Growth27-Jun-20011.0000

 28-Jun-20001.1500

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: 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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dateFriday, 28-Feb-2020
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