Key metrics
Further reading: Median maximum drawdown by fund category, measured across 1,767 funds
Trailing returns
| Period | 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
|---|---|---|---|---|---|---|---|---|---|
| Return | -0.54% | -1.96% | -2.51% | -1.48% | -1.51% | 8.17% | 7.96% | 10.87% | 8.68% |
NAV history
About this fund
UTI Retirement Fund is a solution fund offered by UTI Mutual Fund, classified under Solution as Solution Oriented Scheme - Retirement Fund. Its risk profile depends on its holdings and category. Its latest NAV is ₹53.43, with assets under management of about ₹4,629 Cr (April - June 2026).
Further reading: What a category rank actually tells you
Performance analysis
Over the trailing one year, UTI Retirement Fund has recorded a return of about -1.5%, with a three-year return of 8.2% and a five-year return of 8.0%. Its annualised volatility is 6.6% — relatively low fluctuations — and its Sharpe ratio is -1.21, a measure of return per unit of risk taken. The direct-plan base expense ratio is 0.88%, deducted daily from the NAV.
Further reading: Reading a fund page: what each number does and doesn't say
Rolling returns
| Window | Avg | Median | Min | Max | % Pos | % >12 |
|---|---|---|---|---|---|---|
| 1Y | 9.88 | 8.29 | -17.67 | 40.78 | 86% | 40% |
| 3Y | 10.12 | 11.69 | -2.38 | 19.08 | 98% | 47% |
| 5Y | 10.83 | 10.10 | 6.60 | 18.00 | 100% | 31% |
| 7Y | 10.17 | 10.11 | 8.67 | 11.78 | 100% | 0% |
| 10Y | 9.30 | 9.40 | 8.67 | 9.83 | 100% | 0% |
Further reading: Why a single trailing return misleads, measured across 830 funds
Frequently asked questions
Compare with peers
Further reading: Every fund measured against the best performer in its own category
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| Nippon India Retirement Fund- Wealth Creation Scheme Solution Oriented Scheme - Retirement Fund | -5.88 | -6.59 | -6.95 | -8.82 | 8.85 | 8.78 | 10.44 | 0.85 |
| Nippon India Retirement Fund- Income Generation Scheme Solution Oriented Scheme - Retirement Fund | -2.34 | -2.79 | -1.04 | -2.31 | 6.33 | 5.77 | 6.82 | 0.83 |
| HDFC Retirement Fund - Equity Plan Solution Oriented Scheme - Retirement Fund | -2.74 | -3.66 | -4.98 | -9.57 | 8.33 | 10.77 | 14.43 | – |
| HDFC Retirement Fund - Hybrid-Equity Plan Solution Oriented Scheme - Retirement Fund | -2.24 | -3.98 | -4.80 | -8.64 | 6.61 | 8.32 | 11.82 | – |
| HDFC Retirement Fund - Hybrid-Debt Plan Solution Oriented Scheme - Retirement Fund | -1.47 | -2.07 | -1.40 | -1.54 | 6.30 | 6.64 | 7.81 | – |
| ICICI Prudential Retirement Fund Pure Equity Plan Solution Oriented Scheme - Retirement Fund | -6.13 | -6.25 | -5.06 | -1.74 | 17.92 | 16.91 | – | 0.63 |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan Solution Oriented Scheme - Retirement Fund | -5.18 | -4.24 | 2.63 | 5.42 | 14.67 | 10.87 | – | 0.97 |
| ICICI Prudential Retirement Fund Hybrid Conservative Plan Solution Oriented Scheme - Retirement Fund | -2.75 | -2.19 | -0.43 | 1.83 | 8.86 | 8.12 | – | 0.79 |
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| UTI - Flexi Cap Fund. Equity Scheme - Flexi Cap Fund | -5.21 | -3.69 | 2.01 | -7.82 | 6.78 | 3.18 | 11.32 | 0.83 |
| UTI Large & Mid Cap Fund Equity Scheme - Large & Mid Cap Fund | -4.66 | -5.36 | -4.60 | -3.61 | 13.18 | 12.00 | 13.28 | 0.77 |
| UTI Aggressive Hybrid Fund Hybrid Scheme - Aggressive Hybrid Fund | -3.07 | -4.02 | -3.70 | -4.44 | 9.52 | 9.38 | 11.09 | 0.97 |
| UTI - MNC Fund Sectoral/Thematic - MNC | -6.14 | -6.97 | -4.27 | -8.49 | 6.44 | 6.93 | 9.68 | 1.00 |
| UTI Medium to Long Term Fund Debt Scheme - Medium to Long Duration Fund | -0.92 | -0.63 | 1.29 | 2.13 | 6.28 | 6.75 | 5.21 | – |
| UTI ELSS Tax Saver Fund Equity Scheme - ELSS | -3.81 | -5.75 | -5.12 | -9.33 | 6.87 | 6.03 | 11.25 | 0.82 |
| UTI Nifty 50 Index Fund Other Scheme - Index Funds | -2.75 | -5.27 | -6.23 | -11.42 | 6.10 | 5.61 | 11.11 | 0.18 |
| UTI Short Term Fund Debt Scheme - Short Duration Fund | -0.44 | 0.21 | 2.03 | 4.18 | 7.11 | 6.41 | 6.24 | – |