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Unrated

UTI Retirement Benefit Pension Fund - Regular Plan download report

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Hybrid: Balanced Hybrid

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1 Lakh

Investment Grown to
₹ 1.43 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.42 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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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
UTI Retirement Benefit Pension Reg 3.69 -0.01 0.91 3.88 5.77 3.45 7.68 12.66 7.34 8.17 9.76
VR Balanced TRI 4.22 0.09 1.56 9.39 10.18 4.42 9.03 16.73 12.88 11.73 12.98
Hybrid: Balanced Hybrid 2.04 0.03 0.98 4.44 6.06 2.62 5.71 10.95 7.19 7.81 9.99
Rank within category 1 3 3 5 3 1 1 1 2 2 4
Number of funds in category 5 5 5 5 5 5 5 5 5 5 5

As on 18-Aug-2022

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 7.68 12.66 7.34 1.69 3,624
UTI Children's Career Fund-Savings Plan - Regular Plan  | Invest Online
Unrated
 Jul-93 7.13 11.87 7.25 1.74 4,125
Franklin India Pension Fund  | Invest Online Now
Unrated
 Mar-97 3.56 8.63 6.64 2.28 442

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
UTI Retirement Benefit Pension Reg 11.30 9.43 0.83 0.87 0.49 1.78
VR Balanced TRI 15.74 18.34 0.67 0.80 -- --
Hybrid: Balanced Hybrid 9.94 10.17 0.64 0.66 0.49 0.42
Rank within category 1 2 1 1 2 1
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 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 59
Top 10 Holdings (%) 33.02
Top 5 Holdings (%) 21.69
Top 3 Sectors (%) 22.87
Portfolio P/B Ratio 2.66
Portfolio P/E Ratio 17.45
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 5.94 - 6.44 5.94
up 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 5.88 5.88
equal Canara Bank 2023 Certificate of Deposit A1+ 0.00 - 2.75 2.66
equal 5.22% GOI 15/06/2025 GOI Securities SOV 2.65 - 2.82 2.65
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 2.57 - 2.73 2.57
equal 8.25% Maharashtra State 13/05/2025 State Development Loan SOV 2.13 - 2.31 2.13
equal 8.06% Karnataka State 2025 State Development Loan SOV 1.41 - 1.53 1.41
equal 7.74% State Bank of India Additional Tier 1 Bond AA+ 1.38 - 1.43 1.38
equal 7.19% Gujarat State 25/01/2027 State Development Loan SOV 0.00 - 1.42 1.38
equal 5.84% Indian Oil Corporation 19/04/2024 Debenture AAA 0.00 - 1.40 1.36
equal 6.35% Export-Import Bank 18/02/2025 Debenture AAA 1.36 - 1.46 1.36
equal 6.58% Gujarat State 31/03/2027 State Development Loan SOV 0.00 - 1.42 1.34
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.38 1.31
equal HDFC 29/05/2026 Debenture AAA 0.00 - 1.36 1.30
equal 6.67% GOI 15/12/2035 GOI Securities SOV 0.00 - 1.38 1.29
equal 8.02% Export-Import Bank 29/10/2025 Bonds AAA 0.99 - 1.08 0.99
equal 8.50% L&T Finance 17/02/2023 Debenture AAA 0.97 - 1.04 0.97
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.82 - 0.85 0.82
equal 8.13% Power Grid Corporation 25/04/2024 Debenture AAA 0.70 - 0.76 0.70
new 7.38% GOI 20/06/2027 GOI Securities SOV 0.00 - 0.70 0.70
equal 7.59% Karnataka State 15/02/2027 State Development Loan SOV 0.00 - 0.74 0.70
equal 7.98% Union Bank of India 24/10/2027 Non Convertible Debenture AA+ 0.69 - 0.72 0.69
equal 8.50% Canara Bank Additional Tier 1 Bond AA+ 0.00 - 0.72 0.69
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.69 - 0.75 0.69
new 7.77% HDFC 28/06/2027 Debenture AAA 0.00 - 0.69 0.69

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 22.21 3.72 1.93 3.72
equal HDFC Bank Financial 21.15 3.49 0.00 3.49
down ITC Consumer Staples 23.89 2.66 1.35 1.99
down State Bank of India Financial 13.45 2.24 1.08 1.98
up Infosys Technology 29.90 3.23 1.48 1.83
down HDFC Financial 19.82 2.61 1.17 1.79
down Larsen & Toubro Construction 28.94 2.21 0.58 1.76
down Axis Bank Financial 14.56 1.74 0.44 1.42
down Mahindra & Mahindra Automobile 18.78 1.59 0.00 1.37
up HCL Technologies Technology 19.46 1.30 0.00 1.30
down Bharti Airtel Communication 78.28 1.93 1.06 1.07
down Bajaj Auto Automobile 18.95 0.92 0.00 0.80
down Reliance Industries Energy 27.12 2.04 0.00 0.78
down Power Grid Corporation Energy 10.34 0.80 0.00 0.71
equal Firstsource Solutions Services 15.86 0.56 0.00 0.56
up Tata Motors DVR Automobile -- 1.03 0.25 0.56
equal Wipro Technology 20.66 1.64 0.00 0.53
up Hindalco Inds. Metals & Mining 6.54 0.55 0.00 0.51
up eClerx Services Services 17.98 0.50 0.00 0.50
equal Indus Towers Communication 9.88 0.50 0.00 0.50
new Indusind Bank Financial 15.80 1.35 0.00 0.48
equal Fortis Healthcare Healthcare 52.97 0.62 0.00 0.45
up CESC Energy 7.73 0.49 0.00 0.45
equal Apollo Tyres Automobile 24.12 0.52 0.00 0.42
up Cholamandalam Financial Holdings Financial 11.04 0.52 0.00 0.41

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-Jul-2022

*As on 30-Jun-2022

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:

— Sunil Madhukar Patil since 01-Dec-2021

Education: Mr. Patil is MMF, Finance

Experience: He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.

Funds Managed:

Invest Online
-0.01%

Change from previous, NAV as on 18-Aug-2022

Growth: ₹ 35.4150

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

Min. Investment (₹) 500
Min. Addl Investment (₹) --
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) --
Min. Balance (₹) --
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 26-Dec-1994
Return Since Launch: 10.25%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: High
Type: Open-ended
Assets: ₹ 3,624 Cr (As on 31-Jul-2022)
Expense Ratio: 1.69% (As on 31-Jul-2022)
Risk Grade: --
Return Grade: --
Turnover: 49.00%

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: 1st Floor, Signature, Office No.103 Valsad Dharampur Road Mumbai - 396001

Phone: 0263 2296993

Fax: (0260) 2421315

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies 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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