Previously Known As : Uti Retirement Benefit Pension Fund
Uti Retirement Fund Overview
Category Retirement Fund
BMSMONEY Rank 8
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹47.95(R) -0.67% ₹51.56(D) -0.67%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 15.96% 12.58% 13.42% 9.1% 9.57%
LumpSum (D) 16.72% 13.34% 14.19% 9.8% 10.27%
SIP (R) -35.56% 9.48% 12.74% 11.67% 10.54%
SIP (D) -35.1% 10.25% 13.53% 12.42% 11.25%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.9 0.45 0.91 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.61% -5.41% -3.36% - 4.05%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Nippon India Retirement Fund - Wealth Creation Scheme 4
Tata Retirement Savings Fund-Moderate Plan 5
Tata Retirement Savings Fund-Progressive Plan 6

NAV Date: 20-12-2024

Scheme Name NAV Rupee Change Percent Change
UTI Retirement Fund - Regular Plan 47.95
-0.3200
-0.6700%
UTI Retirement Fund- Direct Plan 51.56
-0.3500
-0.6700%

Review Date: 20-12-2024

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 15.96% in 1 year, 12.58% in 3 years, 13.42% in 5 years and 9.57% in 10 years. The category average for the same periods is 16.74%, 12.31%, 12.6% and 10.7% respectively, which shows good return performance of fund in the category. The fund has exhibited standard deviation of 5.61, VaR of -5.41, Average Drawdown of -1.93, Semi Deviation of 4.05 and Max Drawdown of -3.36. The category average for the same parameters is 7.85, -8.9, -3.26, 5.5 and -6.98 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 ₹11672.0 in 1 year, ₹14558.0 in 3 years and ₹19412.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in UTI Retirement Fund direct growth option would have grown to ₹9570.0 in 1 year, ₹42001.0 in 3 years and ₹84247.0 in 5 years as of today (20-12-2024).
  3. standard deviation of 5.61 and based on VaR one can expect to lose more than -5.41% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.9 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 % 1.41
1.83
0.29 | 5.59 15 | 29 Good
3M Return % -1.78
-3.19
-7.60 | 1.36 10 | 29 Good
6M Return % 4.39
3.03
-2.50 | 6.36 7 | 29 Very Good
1Y Return % 15.96
16.74
6.09 | 29.67 13 | 27 Good
3Y Return % 12.58
12.31
3.97 | 22.14 12 | 25 Good
5Y Return % 13.42
12.60
4.08 | 23.44 8 | 18 Good
7Y Return % 9.10
10.32
7.06 | 16.22 6 | 10 Good
10Y Return % 9.57
10.70
8.14 | 14.07 3 | 5 Good
15Y Return % 5.51
7.59
5.51 | 9.67 2 | 2 Good
1Y SIP Return % -35.56
-36.11
-39.30 | -30.01 11 | 27 Good
3Y SIP Return % 9.48
10.41
-0.16 | 22.72 14 | 25 Good
5Y SIP Return % 12.74
12.97
2.45 | 26.40 10 | 18 Good
7Y SIP Return % 11.67
12.90
7.37 | 21.23 6 | 10 Good
10Y SIP Return % 10.54
11.24
7.75 | 15.22 3 | 5 Good
15Y SIP Return % 8.85
9.23
8.85 | 9.62 2 | 2 Good
Standard Deviation 5.61
7.85
1.23 | 13.56 11 | 25 Good
Semi Deviation 4.05
5.50
0.98 | 9.65 11 | 25 Good
Max Drawdown % -3.36
-6.98
-15.04 | -0.64 5 | 25 Very Good
VaR 1 Y % -5.41
-8.90
-17.51 | -0.93 10 | 25 Good
Average Drawdown % -1.93
-3.26
-7.29 | -0.64 9 | 25 Good
Sharpe Ratio 0.90
0.39
-1.71 | 1.13 3 | 25 Very Good
Sterling Ratio 0.91
0.69
0.33 | 1.18 4 | 25 Very Good
Sortino Ratio 0.45
0.23
-0.47 | 0.61 5 | 25 Very Good
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 1.46 1.92 0.37 | 5.71 16 | 29
3M Return % -1.62 -2.90 -7.35 | 1.61 10 | 29
6M Return % 4.73 3.65 -1.95 | 7.05 7 | 29
1Y Return % 16.72 18.10 7.34 | 31.57 13 | 27
3Y Return % 13.34 13.64 5.25 | 23.89 13 | 25
5Y Return % 14.19 14.02 5.41 | 24.94 9 | 18
7Y Return % 9.80 11.59 8.34 | 17.71 6 | 10
10Y Return % 10.27 11.95 9.37 | 15.82 3 | 5
1Y SIP Return % -35.10 -35.27 -38.52 | -28.86 11 | 27
3Y SIP Return % 10.25 11.78 1.14 | 24.56 14 | 25
5Y SIP Return % 13.53 14.39 3.78 | 28.25 10 | 18
7Y SIP Return % 12.42 14.19 8.60 | 22.69 6 | 10
10Y SIP Return % 11.25 12.49 9.12 | 16.94 3 | 5
Standard Deviation 5.61 7.85 1.23 | 13.56 11 | 25
Semi Deviation 4.05 5.50 0.98 | 9.65 11 | 25
Max Drawdown % -3.36 -6.98 -15.04 | -0.64 5 | 25
VaR 1 Y % -5.41 -8.90 -17.51 | -0.93 10 | 25
Average Drawdown % -1.93 -3.26 -7.29 | -0.64 9 | 25
Sharpe Ratio 0.90 0.39 -1.71 | 1.13 3 | 25
Sterling Ratio 0.91 0.69 0.33 | 1.18 4 | 25
Sortino Ratio 0.45 0.23 -0.47 | 0.61 5 | 25
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -0.67 ₹ 9,933.00 -0.67 ₹ 9,933.00
1W -1.80 ₹ 9,820.00 -1.79 ₹ 9,821.00
1M 1.41 ₹ 10,141.00 1.46 ₹ 10,146.00
3M -1.78 ₹ 9,822.00 -1.62 ₹ 9,838.00
6M 4.39 ₹ 10,439.00 4.73 ₹ 10,473.00
1Y 15.96 ₹ 11,596.00 16.72 ₹ 11,672.00
3Y 12.58 ₹ 14,269.00 13.34 ₹ 14,558.00
5Y 13.42 ₹ 18,769.00 14.19 ₹ 19,412.00
7Y 9.10 ₹ 18,402.00 9.80 ₹ 19,246.00
10Y 9.57 ₹ 24,951.00 10.27 ₹ 26,574.00
15Y 5.51 ₹ 22,352.00 ₹

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 -35.56 ₹ 9,535.60 -35.10 ₹ 9,569.99
3Y ₹ 36000 9.48 ₹ 41,529.35 10.25 ₹ 42,001.49
5Y ₹ 60000 12.74 ₹ 82,627.32 13.53 ₹ 84,246.54
7Y ₹ 84000 11.67 ₹ 127,345.85 12.42 ₹ 130,771.62
10Y ₹ 120000 10.54 ₹ 207,419.04 11.25 ₹ 215,356.44
15Y ₹ 180000 8.85 ₹ 364,805.10 ₹


Date Uti Retirement Fund NAV Regular Growth Uti Retirement Fund NAV Direct Growth
20-12-2024 47.9453 51.5572
19-12-2024 48.2681 51.9034
18-12-2024 48.4632 52.1123
17-12-2024 48.591 52.2488
16-12-2024 48.8599 52.5369
13-12-2024 48.8265 52.4984
12-12-2024 48.7353 52.3994
11-12-2024 48.8178 52.4872
10-12-2024 48.801 52.4682
09-12-2024 48.7336 52.3949
06-12-2024 48.6283 52.279
05-12-2024 48.6558 52.3076
04-12-2024 48.5348 52.1766
03-12-2024 48.4358 52.0693
02-12-2024 48.2651 51.8848
29-11-2024 48.0587 51.6603
28-11-2024 47.8635 51.4496
27-11-2024 48.0328 51.6307
26-11-2024 47.9524 51.5433
25-11-2024 47.9128 51.5
22-11-2024 47.5923 51.1528
21-11-2024 47.2807 50.817

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.