MonitorDirect · GrowthWatch before adding
UTI Retirement Fund
UTI Mutual FundSolution Oriented Scheme - Retirement Fund13.8 years
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.
- NAV
- 53.502
- 29 Oct 2026
- 1Y
- -2.0%
- Trailing CAGR
- AUM
- ₹4,699.44 Cr
- 31 Aug 2026
- Volatility
- Low
- 7.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Prefer peers if · Prefer BANDHAN RETIREMENT FUND if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.16% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -18.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
25% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Anurag Mittal · 1.0 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 41.5% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-2.0%
- 3Y+8.5%
- 5Y+8.2%
- 10Y+8.7%
- SI+8.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-2.5%
- 3Y+3.2%
- 5Y+7.2%
- 10Y+9.0%
- Since inception
- +8.1%
- Calendar-day CAGR
- Excess 1Y
- -0.0%
- Category median, same plan and option
- 3Y win rate
- +25%
- Windows beating the median
- 3Y percentile
- 42
- Vs comparable share classes
- SIP 3Y XIRR
- +3.2%
- Simulated monthly SIP
- Worst rolling 3Y
- -2.4%
- 2653 daily-ending windows
- Median rolling 3Y
- +10.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2160 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -18.9%
- Worst peak-to-trough
- Current
- -3.8%
- Below last peak
- Current spell
- 80 days
- Days below latest peak
- Time below peak
- +84%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 194 recovered episodes
- Longest recovery
- 264 days
- Trough to prior peak
3 Jun 2019 – 27 Aug 2020
Trough 23 Mar 2020 · recovered in 157 days
-18.9%
17 May 2013 – 19 May 2014
Trough 28 Aug 2013 · recovered in 264 days
-16.4%
1 Sept 2014 – 3 Mar 2015
Trough 2 Sept 2014 · recovered in 182 days
-8.8%
19 Oct 2015 – 13 Apr 2016
Trough 25 Feb 2016 · recovered in 48 days
-6.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
42
Vs category
50
Consistency
29
Risk-adjusted
41
Drawdown
53
Mean
43
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 121 holdings · top 10 are 41.5%.
- Top 5
- 30.9%
- Top 10
- 41.5%
- Largest holding
- 14.7%
- Effective holdings
- 27.8
Net Current Assets
Unspecified
14.7%
GOI Sec 7.18 24/07/2037
Entities
6.8%
ICICI Bank Ltd
Financial
3.2%
HDFC Bank Ltd
Financial
3.1%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
3.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BANDHAN RETIREMENT FUND
Bandhan Mutual Fund
- 1Y
- -4.2%
- 3Y
- +9.0%
- Vol
- 8.4%
- Max DD
- -9.8%
- Sharpe
- 0.30
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund
- 1Y
- +2.0%
- 3Y
- +9.3%
- Vol
- 4.6%
- Max DD
- -10.2%
- Sharpe
- 0.74
- 3Y win
- +16%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
SBI Retirement Benefit Fund - Aggressive Hybrid Plan
SBI Mutual Fund
- 1Y
- -2.8%
- 3Y
- +8.9%
- Vol
- 10.8%
- Max DD
- -14.5%
- Sharpe
- 0.63
- 3Y win
- +92%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Union Retirement Fund
Union Mutual Fund
- 1Y
- -1.9%
- 3Y
- +12.4%
- Vol
- 13.2%
- Max DD
- -17.8%
- Sharpe
- 0.65
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
ICICI Prudential Retirement Fund Pure Equity Plan
ICICI Prudential Mutual Fund
- 1Y
- -2.3%
- 3Y
- +19.3%
- Vol
- 17.4%
- Max DD
- -37.2%
- Sharpe
- 0.75
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown