Unrated

UTI Retirement Benefit Pension Fund - Regular Plan

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Hybrid: Balanced Hybrid

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1 Lakh

Investment Grown to

₹ 1.23 Lakh

₹ 10000

Monthly SIP Grown to

₹ 4.39 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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Amount (₹)

Start date

End date

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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	10.81	0.05	0.70	3.04	5.40	12.05	30.14	7.28	8.68	8.77	9.09
VR Balanced TRI	11.37	0.65	0.36	4.88	3.76	14.96	47.28	13.72	14.01	11.42	11.64
Hybrid: Balanced Hybrid	11.12	0.09	0.78	3.62	5.18	12.49	33.02	9.93	9.40	9.60	10.09
Rank within category	4	6	5	4	4	4	4	6	4	6	6
Number of funds in category	7	7	7	7	7	7	7	7	6	6	6

As on 11-Jun-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	30.14	7.28	8.68	1.89	3,392
ICICI Prudential Asset Allocator (FOF) Fund \| Invest Now	Unrated	Dec-03	36.24	13.66	13.37	1.51	11,441
UTI Children's Career Fund-Savings Plan - Regular Plan \| Invest Online	Unrated	Jul-93	26.93	6.99	8.43	1.78	4,009
Franklin India Pension Fund \| Invest Online Now	Unrated	Mar-97	20.11	8.57	8.38	2.26	458

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	7.02	10.13	0.27	0.29	0.52	-2.49
VR Balanced TRI	14.39	18.22	0.55	0.64	--	--
Hybrid: Balanced Hybrid	9.63	11.34	0.46	0.50	0.56	-0.30
Rank within category	6	3	5	5	3	6
Number of funds in category	7	7	7	7	7	7

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

As on 31-May-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks	62
Top 10 Holdings (%)	30.56
Top 5 Holdings (%)	20.18
Top 3 Sectors (%)	20.38
Portfolio P/B Ratio	2.88
Portfolio P/E Ratio	21.50
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
6.45% GOI 2029	GOI Securities	SOV	6.70 - 9.40	6.70
8.20% GOI 15/02/2022	Central Government Loan	SOV	0.00 - 4.81	4.56
5.22% GOI 15/06/2025	GOI Securities	SOV	0.00 - 2.93	2.93
5.85% GOI 2030	GOI Securities	SOV	0.00 - 3.02	2.91
6.19% GOI 16/09/2034	GOI Securities	SOV	0.00 - 4.29	2.41
8.24% Tamilnadu State 2025	State Development Loan	SOV	0.00 - 1.61	1.61
8.06% Karnataka State 2025	State Development Loan	SOV	0.00 - 1.94	1.60
7.55% IRFC 2029	Debenture	AAA	1.55 - 1.94	1.55
7.48% IRFC 13/08/2029	Non Convertible Debenture	AAA	1.54 - 1.93	1.54
7.43% National Bank Agr. Rur. Devp 31/01/2030	Debenture	AAA	1.54 - 3.88	1.54
6.35% Export-Import Bank 18/02/2025	Debenture	AAA	0.00 - 1.56	1.51
7.74% State Bank of India	Additional Tier 1 Bond	AA+	0.00 - 2.27	1.48
4.23% HDFC 18/02/2022	Debenture	AAA	0.00 - 1.55	1.47
5.83% State Bank of India	Additional Tier 2 Bond	AAA	0.00 - 1.65	1.44
8.25% Maharashtra State 13/05/2025	State Development Loan	SOV	0.00 - 1.29	1.29
8.02% Export-Import Bank 29/10/2025	Bonds	AAA	0.00 - 1.16	1.13
8.50% L&T Infrastructre Finance 17/02/2023	Debenture	AAA	1.08 - 1.86	1.08
8.30% Jorabat Shillong Expressway 2027	Non Convertible Debenture	D	0.97 - 1.20	0.97
8.13% Power Grid Corporation 25/04/2024	Debenture	AAA	0.80 - 1.00	0.80
7.26% GOI 14/01/2029	GOI Securities	SOV	0.78 - 0.98	0.78
7.25% Larsen & Toubro 24/04/2023	Non Convertible Debenture	AAA	0.77 - 0.95	0.77
9.05% Cholamandalam Invest. & Fin. 24/03/2028	Non Convertible Debenture	AA+	0.77 - 1.80	0.77
7.55% REC 2030	Debenture	AAA	0.77 - 0.93	0.77
7.98% Union Bank of India 24/10/2027	Non Convertible Debenture	AA+	0.00 - 0.89	0.76
6.43% HDFC 29/09/2025	Debenture	AAA	0.00 - 0.89	0.75

Indicates an increase or decrease or no change in holding since last portfolio
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
Infosys	Technology	31.86	3.23	1.42	3.08
ICICI Bank	Financial	23.94	3.57	1.93	2.66
State Bank of India	Financial	17.11	2.00	0.67	1.90
Larsen & Toubro	Construction	18.22	2.20	0.58	1.80
HDFC Bank	Financial	25.76	2.21	0.00	1.53
Wipro	Technology	28.13	1.64	0.00	1.51
Reliance Industries	Energy	30.46	2.04	0.00	1.48
Bharti Airtel	Communication	--	1.76	0.85	1.47
ITC	FMCG	19.45	2.66	1.41	1.45
Axis Bank	Financial	31.45	1.32	0.00	1.29
HDFC	Financial	24.65	2.61	0.00	1.28
Tata Steel	Metals	18.63	1.36	0.00	1.00
Ambuja Cements	Construction	24.31	0.90	0.00	0.71
Motilal Oswal Financial	Financial	9.52	0.68	0.00	0.68
Sun Pharmaceutical Inds.	Healthcare	56.29	1.56	0.68	0.68
Tata Motors DVR	Automobile	--	0.71	0.25	0.66
Fortis Healthcare	Healthcare	--	0.57	0.00	0.57
Cipla	Healthcare	32.45	0.80	0.00	0.57
Tata Power	Energy	35.61	0.65	0.37	0.55
Bajaj Auto	Automobile	24.86	0.52	0.00	0.52
Motherson Sumi Systems	Automobile	74.35	0.52	0.00	0.52
Prince Pipes & Fittings	Chemicals	35.36	0.52	0.00	0.52
Gujarat State Petronet	Energy	10.73	0.66	0.00	0.49
BPCL	Energy	6.49	0.57	0.00	0.48
Ajanta Pharma	Healthcare	25.97	0.57	0.00	0.47

Indicates an increase or decrease or no change in holding since last portfolio
Indicates a new holding since last portfolio

As on 31-May-2021

^*As on 30-Apr-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:

30-Apr-2013: 'High prices are to stay'

Funds Managed:

Invest Online

0.05%

Change from previous, NAV as on 11-Jun-2021

Growth: ₹ 31.9288

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.

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

Fund House:	UTI Mutual Fund
Launch Date:	26-Dec-1994
Return Since Launch:	10.30%
Benchmark:	CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer:	High
Type:	Open-ended
Assets:	₹ 3,392 Cr (As on 31-May-2021)
Expense:	1.89% (As on 30-Apr-2021)
Risk Grade:	--
Return Grade:	--
Turnover:	43.00%

Plan

Record Date

Dividend (₹ / Unit)

Growth

27-Jun-2001

1.0000

More...

28-Jun-2000

1.1500

Fund News - 02-Apr-2019

Change in Exit Load of UTI Retirement Benefit Pension Fund
Fund News - 26-Oct-2015

UTI-Retirement Benefit Pension Fund changes minimum amount requirements
Fund News - 19-Jun-2015

Product Labeling of Schemes of UTI Mutual Fund
Fund News - 27-Aug-2014

UTI Unit Linked Insurance Plan announces bonus
Fund News - 28-May-2013

UTI Mutual Fund: Bonus Declaration

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Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

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Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

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