UTI Retirement Fund - Regular Plan
Value Research Rating
Our Opinion
Riskometer
High
₹49.3840
As on 15-May-2026
Returns
Risk
This fund has High risk.
As per SEBI's Riskometer.
Portfolio of UTI Retirement Fund - Regular Plan
Asset Allocation
Split between different types of investments
Market Cap Weightage
Split between categories of Equity investments
We have shifted from our proprietary CapRank classification system to SEBI’s market cap classification system with effect from 14 Jan, 2026.
Peer Comparison
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
UTI Retirement Fund - Regular Plan
|
|
High
|
|
1.63 |
||
|
|
High
|
|
1.61 |
|||
|
|
High
|
|
2.35 |
|||
|
|
Moderately High
|
|
2.23 |
Other details of UTI Retirement Fund - Regular Plan
Assets
₹4,630 Cr
Exit Load (Days)
1.00 (365)
Min. Investment (₹)
500
Min. Withdrawal (₹)
--
Min. SIP Investment (₹)
500
Min. No of Cheques
6
About UTI Retirement Fund - Regular Plan
UTI Retirement Fund - Regular Plan is a hybrid mutual fund scheme of UTI Mutual Fund. Launched on December 26, 1994, it is currently managed by V Srivatsa and Anurag Mittal. The fund has an expense ratio of 1.63% with an overall AUM (Assets Under Management) of ₹4,630 Cr.
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. The fund allows minimum lumpsum investment of ₹500 and minimum SIP of ₹500.
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.
Suitability
Balanced Hybrid funds are suitable for investors:
- Looking to invest equally in equity and debt for moderate returns
- Aiming for long-term wealth creation
- With a 5-8 year investment horizon
- Who are new/unfamiliar with market's ups and downs
Note:
- Invest only through SIP
- The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier
Capital Gains Taxation
The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.
- If the mutual fund units are sold after 2 years from the date of investment, gains are taxed at the rate of 12.5%.
- If the mutual fund units are sold within 2 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.
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
- 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 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
Latest news on UTI Retirement Fund - Regular Plan
Exit Load Structure changes for UTI Retirement Fund
1 min read•By News Desk
UTI Mutual Fund Changes names of its few Funds
1 min read•By News Desk
FAQ for UTI Retirement Fund - Regular Plan
How to Invest in UTI Retirement Fund - Regular Plan?
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of UTI Retirement Fund - Regular Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, UTI Retirement Fund - Regular Plan can be bought from the UTI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
What is the current NAV of UTI Retirement Fund - Regular Plan Today?
The latest declared NAV of UTI Retirement Fund - Regular Plan, is ₹49.3840 as of 15-May-2026.
What are the top holdings of UTI Retirement Fund - Regular Plan?
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 7.18 24/07/2037 |
6.83
|
|
GOI Sec 6.68 07/07/2040 |
3.46
|
|
GOI Sec 7.32 13/11/2030 |
3.10
|
|
HDFC Bank Ltd SR AB002 Debenture 7.97 17/02/2033 |
2.72
|
|
GOI Sec 7.24 18/08/2055 |
2.59
|
What is the return of UTI Retirement Fund - Regular Plan in the last 5 years?
Over the past five years, UTI Retirement Fund - Regular Plan has delivered an annualised return of 9.92% as of 15-May-2026.
What is the minimum investment required in UTI Retirement Fund - Regular Plan?
The minimum investment required to start investing in UTI Retirement Fund - Regular Plan is ₹500 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
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