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Unrated

UTI Retirement Benefit Pension Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.04 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.76 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 4.14 0.19 0.49 2.99 3.40 13.88 6.97 1.32 5.48 8.25 6.86
VR Balanced TRI -0.14 0.86 0.08 6.52 6.00 23.72 4.22 6.28 8.66 10.58 8.23
Hybrid: Balanced Hybrid 0.09 0.72 0.60 4.65 5.40 17.43 2.80 2.63 5.78 9.12 7.58
Rank within category 2 10 8 10 9 8 1 8 5 6 6
Number of funds in category 10 10 10 10 10 10 10 10 8 8 8

As on 27-Oct-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 - Regular Plan  | Invest Online
Unrated
Dec-94 6.97 1.32 5.48 1.85 2,868
ICICI Prudential Asset Allocator (FOF) Fund  | Invest Now
Unrated
Dec-03 5.20 6.81 9.37 1.32 7,964
UTI Children's Career Fund-Savings Plan - Regular Plan  | Invest Online
Unrated
Jul-93 6.25 2.62 5.94 1.79 3,536
Axis Children's Gift - Regular Plan
Unrated
Dec-15 3.70 6.08 -- 2.49 467
Franklin India Pension Fund  | Invest Online Now
Unrated
Mar-97 4.80 4.54 6.31 2.27 419

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) -16.66 (20-Feb-2020 - 23-Mar-2020)
Quarter 22.06 (09-Mar-2009 - 10-Jun-2009) -15.85 (23-Dec-2019 - 23-Mar-2020)
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 1.89 9.56 -0.33 -0.37 0.51 -4.42
VR Balanced TRI 7.52 17.40 0.14 0.16 -- --
Hybrid: Balanced Hybrid 3.12 13.06 -0.17 -0.18 0.70 -3.65
Rank within category 9 3 9 9 4 7
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 30-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 60
Top 10 Holdings (%) 31.91
Top 5 Holdings (%) 21.11
Top 3 Sectors (%) 21.03
Portfolio P/B Ratio 1.78
Portfolio P/E Ratio 16.23
Avg Credit Rating AAA

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 8.02
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 0.00 - 4.20 3.67
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 0.00 - 4.09 3.46
down 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 4.05 3.42
equal 6.57% GOI 2033 GOI Securities SOV 0.00 - 2.72 2.30
new 7.74% State Bank of India Debenture AA+ 0.00 - 2.27 2.27
new 5.77% GOI 2030 GOI Securities SOV 0.00 - 2.23 2.23
equal 8.06% Karnataka State 2025 State Development Loan SOV 0.00 - 1.94 1.88
equal 7.55% IRFC 2029 Debenture AAA 0.00 - 2.10 1.83
equal 7.48% IRFC 13/08/2029 Non Convertible Debenture AAA 0.00 - 2.09 1.82
equal 9.05% Cholamandalam Invest. & Fin. 24/03/2028 Non Convertible Debenture AA+ 1.69 - 2.06 1.73
equal Indostar Capital Finance 15/03/2021 Non Convertible Debenture AA- 1.71 - 1.98 1.72
equal 8.30% NTPC 15/01/2029 Debenture AAA 1.51 - 1.76 1.53
equal 9.53% Indian Bank 27/12/2029 Debenture AA- 0.00 - 1.42 1.33
down 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 2.05 1.25
new 5.79% GOI 2030 GOI Securities SOV 0.00 - 1.20 1.20
equal 8.30% Jorabat Shillong Expressway 2027 Non Convertible Debenture D 1.14 - 1.34 1.15
equal 8.13% Power Grid Corporation 25/04/2024 Debenture AAA 0.00 - 1.08 0.95
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.92 - 6.37 0.93
equal 7.25% Larsen & Toubro 24/04/2023 Non Convertible Debenture AAA 0.00 - 0.97 0.91
equal 7.98% Union Bank of India 24/10/2027 Non Convertible Debenture AA 0.00 - 0.95 0.90
equal HDFC 19/05/2022 Non Convertible Debenture AAA 0.00 - 0.96 0.90
equal 6.22% HDFC 2021 Debenture AAA 0.00 - 0.92 0.89
equal 7.55% REC 2030 Debenture AAA 0.00 - 1.87 0.89
equal 7.25% HDFC 17/06/2030 Debenture AAA 0.00 - 1.85 0.88

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 26.05 3.23 1.20 2.54
up ICICI Bank Financial 27.79 3.57 1.55 2.04
equal Reliance Industries Energy 32.38 2.04 0.00 1.96
up ITC FMCG 14.23 2.66 1.47 1.80
down HDFC Bank Financial 22.96 2.23 0.00 1.57
up Bharti Airtel Communication -- 1.71 0.00 1.50
equal State Bank of India Financial 8.04 1.47 0.00 1.30
equal HDFC Financial 16.68 2.61 0.00 1.17
equal Larsen & Toubro Construction 16.46 1.54 0.58 1.17
up Sun Pharmaceutical Inds. Healthcare 156.45 1.56 0.87 1.16
equal Axis Bank Financial 92.00 1.29 0.00 1.05
up Ambuja Cements Construction 22.84 0.87 0.00 0.87
equal NTPC Energy 15.36 1.30 0.74 0.86
equal Hero Motocorp Automobile 23.80 0.96 0.00 0.77
up Wipro Technology 19.81 0.76 0.00 0.76
equal Cipla Healthcare 37.74 0.80 0.00 0.71
down Tata Steel Metals -- 0.84 0.00 0.69
up Petronet LNG Energy 13.34 0.67 0.00 0.67
up Gujarat State Petronet Energy 7.06 0.66 0.00 0.66
up Cadila Healthcare Healthcare 32.65 0.73 0.00 0.66
equal Hindustan Zinc Metals 14.50 0.66 0.00 0.62
equal Eris Lifesciences Healthcare 22.46 0.58 0.00 0.58
down Mphasis Technology 20.76 1.30 0.47 0.58
up BPCL Energy 21.79 0.57 0.00 0.57
up GAIL Energy 4.43 0.82 0.00 0.55

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-Sep-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:


0.19%

Change from previous, NAV as on 27-Oct-2020

Growth: ₹ 26.7014


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: 9.80%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,868 Cr (As on 30-Sep-2020)
Expense: 1.85% (As on 30-Sep-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: 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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