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Unrated

UTI Retirement Benefit Pension Fund - Regular Plan

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Hybrid: Balanced Hybrid

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1 Lakh

Investment Grown to
₹ 1.05 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.69 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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(₹)
cal
cal

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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 2.29 0.43 2.18 -0.70 4.45 17.42 5.35 1.58 5.39 8.50 6.72
VR Balanced TRI -3.68 1.27 4.65 -0.36 8.13 27.01 2.44 6.57 8.53 10.83 7.66
Hybrid: Balanced Hybrid -2.49 0.76 3.32 -0.27 5.92 20.09 1.47 2.46 5.51 9.29 7.29
Rank within category 1 10 9 7 7 6 1 7 5 6 6
Number of funds in category 10 10 10 10 10 10 10 10 8 8 8

As on 01-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 5.35 1.58 5.39 1.91 2,887
ICICI Prudential Asset Allocator (FOF) Fund  | Invest Now
Unrated
 Dec-03 4.54 6.95 9.07 1.34 8,007
UTI Children's Career Fund-Savings Plan - Regular Plan  | Invest Online
Unrated
 Jul-93 4.81 2.38 5.70 1.78 3,555
Axis Children's Gift - Regular Plan  | Invest Online
Unrated
 Dec-15 2.90 5.56 -- 2.49 469
Franklin India Pension Fund  | Invest Online Now
Unrated
 Mar-97 3.20 4.28 6.07 2.28 424

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 59
Top 10 Holdings (%) 32.76
Top 5 Holdings (%) 22.30
Top 3 Sectors (%) 21.25
Portfolio P/B Ratio 1.85
Portfolio P/E Ratio 16.83
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 7.91
up 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 4.05 4.05
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 3.43
equal 8.40% Indiabulls Housing Finance 19/03/2021 Non Convertible Debenture AA 0.00 - 3.55 3.24
down 6.57% GOI 2033 GOI Securities SOV 0.00 - 2.72 2.27
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 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 2.05 1.76
equal Indostar Capital Finance 15/03/2021 Non Convertible Debenture AA- 1.71 - 1.98 1.71
equal 9.05% Cholamandalam Invest. & Fin. 24/03/2028 Non Convertible Debenture AA+ 1.69 - 2.06 1.71
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 1.32
down 7.73% GOI 19/12/2034 GOI Securities SOV 0.00 - 2.98 1.15
equal 8.30% Jorabat Shillong Expressway 2027 Non Convertible Debenture D 1.14 - 1.34 1.14
equal 8.13% Power Grid Corporation 25/04/2024 Debenture AAA 0.00 - 1.08 0.94
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.92 - 6.37 0.92
equal 7.25% Larsen & Toubro 24/04/2023 Non Convertible Debenture AAA 0.00 - 0.97 0.91
equal HDFC 19/05/2022 Non Convertible Debenture AAA 0.00 - 0.96 0.89
equal 6.22% HDFC 2021 Debenture AAA 0.00 - 0.92 0.88
equal 6.57% National Bank Agr. Rur. Devp 2027 Debenture AAA 0.00 - 0.92 0.88
equal 7.55% REC 2030 Debenture AAA 0.00 - 1.87 0.88
down 7.25% HDFC 17/06/2030 Debenture AAA 0.00 - 1.85 0.88
equal 6.99% Nat. Highways Authority 28/05/2035 Non Convertible Debenture AAA 0.00 - 0.95 0.87

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
down Infosys Technology 25.45 3.23 1.20 2.32
equal ICICI Bank Financial 25.03 3.57 1.55 2.16
down ITC FMCG 14.54 2.66 1.47 1.83
equal Reliance Industries Energy 35.42 2.04 0.00 1.82
equal HDFC Bank Financial 21.37 2.23 0.00 1.72
equal State Bank of India Financial 7.87 1.47 0.00 1.47
equal Bharti Airtel Communication -- 1.71 0.00 1.38
equal Larsen & Toubro Construction 15.13 1.54 0.58 1.22
down HDFC Financial 14.64 2.61 0.00 1.22
equal Axis Bank Financial 80.22 1.29 0.00 1.22
equal Sun Pharmaceutical Inds. Healthcare 168.45 1.56 0.85 1.10
equal NTPC Energy 14.56 1.30 0.74 0.97
up Tata Steel Metals -- 0.84 0.00 0.84
down Hero Motocorp Automobile 25.75 0.96 0.00 0.73
up Ambuja Cements Construction 22.09 0.69 0.00 0.69
up Hindustan Zinc Metals 13.76 0.66 0.00 0.66
down Cipla Healthcare 37.87 0.80 0.00 0.65
equal Emami FMCG 51.40 0.61 0.00 0.61
down GAIL Energy 4.66 0.82 0.00 0.57
down Tata Power Energy 16.44 0.68 0.37 0.57
equal Vardhman Textiles Textiles 11.72 0.62 0.29 0.56
down Cadila Healthcare Healthcare 30.71 0.73 0.00 0.56
down Motilal Oswal Financial Financial 42.36 0.64 0.00 0.54
equal BPCL Energy 22.10 0.54 0.00 0.53
equal Federal Bank Financial 6.24 0.94 0.34 0.51

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-Aug-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:

Invest Online
0.43%

Change from previous, NAV as on 01-Oct-2020

Growth: ₹ 26.2264

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: 9.75%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,887 Cr (As on 31-Aug-2020)
Expense: 1.91% (As on 31-Aug-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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