Previously Known As : Uti Retirement Benefit Pension Fund
Uti Retirement Fund Overview
Category Retirement Fund
BMSMONEY Rank 8
BMSMONEY Rating
Gro. Opt. As On: 19-11-2024
NAV ₹47.4(R) +0.21% ₹50.94(D) +0.21%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 18.07% 11.07% 13.34% 9.06% 9.42%
LumpSum (D) 18.84% 11.82% 14.11% 9.76% 10.11%
SIP (R) -4.02% 12.78% 13.76% 12.02% 10.49%
SIP (D) -3.37% 13.54% 14.53% 12.75% 11.19%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.77 0.37 0.86 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.8% -6.29% -3.48% - 4.22%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Hdfc Retirement Savings Fund - Equity Plan 2
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 3
Hdfc Retirement Savings Fund - Hybrid - Equity Plan 4
Tata Retirement Savings Fund-Moderate Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 19-11-2024

Scheme Name NAV Rupee Change Percent Change
UTI Retirement Fund - Regular Plan 47.4
0.1000
0.2100%
UTI Retirement Fund- Direct Plan 50.94
0.1100
0.2100%

Review Date: 19-11-2024

UTI Retirement Fund has shown good performance in the Retirement Fund category. The fund has rank of 8 out of 25 funds in the category. The fund has delivered return of 18.07% in 1 year, 11.07% in 3 years, 13.34% in 5 years and 9.42% in 10 years. The category average for the same periods is 19.42%, 10.43%, 12.41% and 10.54% respectively, which shows good return performance of fund in the category. The fund has exhibited standard deviation of 5.8, VaR of -6.29, Average Drawdown of -1.95, Semi Deviation of 4.22 and Max Drawdown of -3.48. The category average for the same parameters is 7.98, -8.94, -3.68, 5.59 and -7.54 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in UTI Retirement Fund direct growth option would have grown to ₹11884.0 in 1 year, ₹13982.0 in 3 years and ₹19344.0 in 5 years as of today (19-11-2024).
  2. An SIP of ₹1,000 per month in UTI Retirement Fund direct growth option would have grown to ₹11779.0 in 1 year, ₹44062.0 in 3 years and ₹86381.0 in 5 years as of today (19-11-2024).
  3. standard deviation of 5.8 and based on VaR one can expect to lose more than -6.29% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.77 which shows very good performance of fund in the retirement fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.82
-2.82
-5.25 | 0.45 11 | 29 Good
3M Return % -0.26
-1.30
-4.19 | 1.63 8 | 29 Very Good
6M Return % 6.62
5.37
3.04 | 9.55 8 | 28 Good
1Y Return % 18.07
19.42
6.38 | 37.30 15 | 27 Average
3Y Return % 11.07
10.43
3.89 | 19.59 10 | 25 Good
5Y Return % 13.34
12.41
4.00 | 23.32 8 | 18 Good
7Y Return % 9.06
10.26
6.88 | 16.35 6 | 10 Good
10Y Return % 9.42
10.54
8.06 | 13.86 3 | 5 Good
15Y Return % 5.46
7.53
5.46 | 9.60 2 | 2 Good
1Y SIP Return % -4.02
-10.52
-24.66 | 2.46 11 | 27 Good
3Y SIP Return % 12.78
12.78
1.61 | 25.75 14 | 25 Good
5Y SIP Return % 13.76
12.66
0.88 | 27.23 9 | 18 Good
7Y SIP Return % 12.02
12.42
5.63 | 21.55 6 | 10 Good
10Y SIP Return % 10.49
10.70
6.31 | 14.55 3 | 5 Good
15Y SIP Return % 8.76
9.17
8.76 | 9.57 2 | 2 Good
Standard Deviation 5.80
7.98
1.23 | 13.95 11 | 25 Good
Semi Deviation 4.22
5.59
0.99 | 9.91 11 | 25 Good
Max Drawdown % -3.48
-7.54
-16.94 | -0.66 7 | 25 Very Good
VaR 1 Y % -6.29
-8.94
-17.51 | -0.97 11 | 25 Good
Average Drawdown % -1.95
-3.68
-10.93 | -0.65 9 | 25 Good
Sharpe Ratio 0.77
0.34
-1.67 | 1.14 5 | 25 Very Good
Sterling Ratio 0.86
0.65
0.33 | 1.23 6 | 25 Very Good
Sortino Ratio 0.37
0.20
-0.46 | 0.62 5 | 25 Very Good
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.77 -2.72 -5.15 | 0.53 12 | 29
3M Return % -0.10 -1.00 -3.96 | 1.89 9 | 29
6M Return % 6.96 5.99 3.81 | 10.29 8 | 28
1Y Return % 18.84 20.81 7.63 | 39.31 16 | 27
3Y Return % 11.82 11.75 5.17 | 21.28 11 | 25
5Y Return % 14.11 13.83 5.35 | 24.81 9 | 18
7Y Return % 9.76 11.53 8.12 | 17.85 6 | 10
10Y Return % 10.11 11.79 9.41 | 15.61 3 | 5
1Y SIP Return % -3.37 -9.42 -23.75 | 3.85 11 | 27
3Y SIP Return % 13.54 14.13 2.89 | 27.54 14 | 25
5Y SIP Return % 14.53 14.05 2.16 | 29.04 10 | 18
7Y SIP Return % 12.75 13.69 6.83 | 23.00 6 | 10
10Y SIP Return % 11.19 11.93 7.66 | 16.25 3 | 5
Standard Deviation 5.80 7.98 1.23 | 13.95 11 | 25
Semi Deviation 4.22 5.59 0.99 | 9.91 11 | 25
Max Drawdown % -3.48 -7.54 -16.94 | -0.66 7 | 25
VaR 1 Y % -6.29 -8.94 -17.51 | -0.97 11 | 25
Average Drawdown % -1.95 -3.68 -10.93 | -0.65 9 | 25
Sharpe Ratio 0.77 0.34 -1.67 | 1.14 5 | 25
Sterling Ratio 0.86 0.65 0.33 | 1.23 6 | 25
Sortino Ratio 0.37 0.20 -0.46 | 0.62 5 | 25
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.21 ₹ 10,021.00 0.21 ₹ 10,021.00
1W -0.68 ₹ 9,932.00 -0.66 ₹ 9,934.00
1M -1.82 ₹ 9,818.00 -1.77 ₹ 9,823.00
3M -0.26 ₹ 9,974.00 -0.10 ₹ 9,990.00
6M 6.62 ₹ 10,662.00 6.96 ₹ 10,696.00
1Y 18.07 ₹ 11,807.00 18.84 ₹ 11,884.00
3Y 11.07 ₹ 13,703.00 11.82 ₹ 13,982.00
5Y 13.34 ₹ 18,703.00 14.11 ₹ 19,344.00
7Y 9.06 ₹ 18,351.00 9.76 ₹ 19,191.00
10Y 9.42 ₹ 24,604.00 10.11 ₹ 26,202.00
15Y 5.46 ₹ 22,197.00 ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -4.02 ₹ 11,736.42 -3.37 ₹ 11,779.32
3Y ₹ 36000 12.78 ₹ 43,582.03 13.54 ₹ 44,061.52
5Y ₹ 60000 13.76 ₹ 84,751.50 14.53 ₹ 86,381.22
7Y ₹ 84000 12.02 ₹ 128,956.55 12.75 ₹ 132,369.30
10Y ₹ 120000 10.49 ₹ 206,861.16 11.19 ₹ 214,679.52
15Y ₹ 180000 8.76 ₹ 362,199.42 ₹


Date Uti Retirement Fund NAV Regular Growth Uti Retirement Fund NAV Direct Growth
19-11-2024 47.3972 50.9405
18-11-2024 47.2974 50.8323
14-11-2024 47.3665 50.903
13-11-2024 47.3954 50.9333
12-11-2024 47.7197 51.2809
11-11-2024 47.9039 51.4779
08-11-2024 47.9045 51.4759
07-11-2024 48.0067 51.5849
06-11-2024 48.1707 51.7602
05-11-2024 47.9482 51.5202
04-11-2024 47.7886 51.3478
31-10-2024 47.9469 51.5143
30-10-2024 48.014 51.5855
29-10-2024 47.9554 51.5216
28-10-2024 47.8111 51.3656
25-10-2024 47.7012 51.2449
24-10-2024 47.9861 51.55
23-10-2024 48.0035 51.5679
22-10-2024 47.957 51.517
21-10-2024 48.2769 51.8597

Fund Launch Date: 26/Dec/1994
Fund Category: Retirement Fund
Investment Objective: The investment objective of the scheme is primarily 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.However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.
Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
Fund Benchmark: CRISIL ShortTerm Debt Hybrid60+40 Fund Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.