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Unrated

UTI Retirement Benefit Pension Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.32 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.51 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 18.32 -0.26 0.18 -1.36 2.08 7.66 21.07 9.81 8.69 8.32 10.04
VR Balanced TRI 21.24 -1.03 0.87 -3.01 -0.30 9.26 27.94 16.15 15.71 11.12 13.23
Hybrid: Balanced Hybrid 17.84 -0.30 0.36 -1.30 1.32 7.26 20.53 10.09 8.72 8.41 10.49
Rank within category 2 2 5 4 1 3 2 4 3 4 4
Number of funds in category 5 5 5 5 5 5 5 5 5 5 5

As on 03-Dec-2021

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 21.07 9.81 8.69 1.69% 3,622
UTI Children's Career Fund-Savings Plan - Regular Plan  | Invest Online
Unrated
Jul-93 18.04 10.02 8.50 1.71% 4,252
Franklin India Pension Fund  | Invest Online Now
Unrated
Mar-97 11.15 9.38 7.72 2.30% 461

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 9.75 9.84 0.61 0.66 0.51 -0.39
VR Balanced TRI 16.35 17.90 0.70 0.83 -- --
Hybrid: Balanced Hybrid 10.05 10.05 0.64 0.65 0.49 0.09
Rank within category 4 4 4 2 3 5
Number of funds in category 5 5 5 5 5 5

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

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 63
Top 10 Holdings (%) 28.87
Top 5 Holdings (%) 17.53
Top 3 Sectors (%) 20.32
Portfolio P/B Ratio 2.94
Portfolio P/E Ratio 21.47
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 6.25 - 7.61 6.25
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 4.81 2.79
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 2.93 2.74
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 2.74 2.66
equal 8.25% Maharashtra State 13/05/2025 State Development Loan SOV 0.00 - 2.34 2.24
equal 6.19% GOI 16/09/2034 GOI Securities SOV 2.22 - 3.27 2.22
equal 7.09% Food Corporation of India 13/08/2031 Non Convertible Debenture AAA 0.00 - 2.13 2.08
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 2.15 2.06
equal 8.24% Tamilnadu State 2025 State Development Loan SOV 0.00 - 1.61 1.49
equal 8.06% Karnataka State 2025 State Development Loan SOV 1.48 - 1.81 1.48
equal 6.35% Export-Import Bank 18/02/2025 Debenture AAA 0.00 - 1.56 1.42
equal 7.74% State Bank of India Additional Tier 1 Bond AA+ 1.40 - 2.15 1.40
equal 6.45% GOI 2027 GOI Securities SOV 0.00 - 2.18 1.38
equal 4.23% HDFC 18/02/2022 Debenture AAA 0.00 - 1.55 1.38
equal 6.67% GOI 15/12/2035 GOI Securities SOV 0.00 - 1.38 1.36
equal 5.83% State Bank of India Additional Tier 2 Bond AAA 1.35 - 1.65 1.35
new 6.10% GOI 2031 GOI Securities SOV 0.00 - 1.35 1.35
equal 8.02% Export-Import Bank 29/10/2025 Bonds AAA 0.00 - 1.16 1.04
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 1.00 - 1.19 1.00
equal 8.30% Jorabat Shillong Expressway 2027 Non Convertible Debenture D 0.91 - 1.08 0.91
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.00 - 0.87 0.83
equal 8.13% Power Grid Corporation 25/04/2024 Debenture AAA 0.74 - 0.90 0.74
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.73 - 0.89 0.73
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 0.72 - 3.50 0.72
equal 7.55% REC 2030 Debenture AAA 0.72 - 0.86 0.72

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 ICICI Bank Financial 23.44 3.57 1.93 2.95
equal HDFC Bank Financial 24.50 2.87 0.00 2.80
up Larsen & Toubro Construction 28.92 2.20 0.58 2.14
equal State Bank of India Financial 14.74 2.07 1.04 2.07
equal ITC FMCG 19.14 2.66 1.35 1.96
down Infosys Technology 34.93 3.23 1.80 1.80
down Bharti Airtel Communication 139.49 1.93 0.94 1.64
up HDFC Financial 24.08 2.61 0.00 1.55
up Axis Bank Financial 20.63 1.32 0.00 1.23
down Reliance Industries Energy 31.17 2.04 0.00 1.16
equal Tata Motors DVR Automobile -- 1.02 0.25 1.02
down Wipro Technology 28.98 1.64 0.00 0.85
down HCL Technologies Technology 27.55 0.99 0.00 0.80
equal Mahindra & Mahindra Automobile 25.19 1.31 0.00 0.78
up Dr. Reddy's Lab Healthcare 39.01 1.15 0.00 0.69
equal Hindustan Petroleum Corporation Energy 4.54 0.59 0.00 0.59
up Bajaj Auto Automobile 14.69 0.52 0.00 0.51
equal The Federal Bank Financial 10.52 0.68 0.30 0.49
equal Motherson Sumi Systems Automobile 33.61 0.52 0.00 0.45
equal CESC Energy 8.73 0.53 0.00 0.45
up Aurobindo Pharma Healthcare 7.61 0.82 0.00 0.45
down Tata Steel Metals 4.38 1.36 0.00 0.45
up Cholamandalam Financial Holdings Financial 16.63 0.53 0.00 0.45
new GAIL Energy 6.25 0.82 0.00 0.43
down Ambuja Cements Construction 23.22 0.90 0.00 0.42

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-Oct-2021

Fund Manager

— 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:

— 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 UTI AMC since 1994 beginning with Investment Research and then moving into the area of Fund Management. Prior to this, he had an experience of 2 years of working with Aaina Exports Ltd and Stenay Ltd. He serves on the Executive Investment Committee (EIC), Valuation Committee and the Management Committee of UTI AMC Ltd. He is also a member of the Valuation Committee of the Association of Mutual Funds in India (AMFI).

Interviews:

Funds Managed:


-0.26%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 34.0929


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 (₹) --
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 26-Dec-1994
Return Since Launch: 10.38%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: High
Type: Open-ended
Assets: ₹ 3,622 Cr (As on 31-Oct-2021)
Expense: 1.69% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: --
Turnover: 43.00%

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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