Previously Known As : Uti Retirement Benefit Pension Fund
Uti Retirement Fund Overview
Category Retirement Fund
BMSMONEY Rank 7
BMSMONEY Rating
Gro. Opt. As On: 29-01-2025
NAV ₹47.29(R) +0.51% ₹50.89(D) +0.51%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 11.71% 11.09% 12.8% 8.58% 9.01%
LumpSum (D) 12.43% 11.83% 13.56% 9.28% 9.7%
SIP (R) 5.51% 12.79% 13.2% 11.73% 9.99%
SIP (D) 6.2% 13.53% 13.96% 12.46% 10.68%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.82 0.41 0.88 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.63% -5.41% -3.36% - 4.03%
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
Tata Retirement Savings Fund-Moderate Plan 4
Tata Retirement Savings Fund-Progressive Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 29-01-2025

Scheme Name NAV Rupee Change Percent Change
UTI Retirement Fund - Regular Plan 47.29
0.2400
0.5100%
UTI Retirement Fund- Direct Plan 50.89
0.2600
0.5100%

Review Date: 29-01-2025

UTI Retirement Fund has exhibited good performance in the Retirement Fund category. The fund has rank of 7 out of 25 funds in the category. The fund has delivered return of 11.71% in 1 year, 11.09% in 3 years, 12.8% in 5 years and 9.01% in 10 years. The category average for the same periods is 9.72%, 10.52%, 11.46% and 9.56% respectively, which shows good return performance of fund in the category. The fund has exhibited standard deviation of 5.63, VaR of -5.41, Average Drawdown of -1.93, Semi Deviation of 4.03 and Max Drawdown of -3.36. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 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 ₹11243.0 in 1 year, ₹13985.0 in 3 years and ₹18888.0 in 5 years as of today (29-01-2025).
  2. An SIP of ₹1,000 per month in UTI Retirement Fund direct growth option would have grown to ₹12400.0 in 1 year, ₹44058.0 in 3 years and ₹85165.0 in 5 years as of today (29-01-2025).
  3. standard deviation of 5.63 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 0.82 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 % -1.46 -4.91
-3.26
-8.16 | 0.61 10 | 29 Good
3M Return % -1.38 -6.67
-3.35
-8.02 | 1.52 9 | 29 Good
6M Return % -0.25 -8.83
-3.37
-9.51 | 3.27 8 | 29 Very Good
1Y Return % 11.71 8.83
9.72
6.22 | 15.79 7 | 27 Very Good
3Y Return % 11.09 13.65
10.52
4.32 | 18.21 10 | 25 Good
5Y Return % 12.80 17.46
11.46
4.11 | 21.64 8 | 21 Good
7Y Return % 8.58 12.89
9.42
6.68 | 14.92 6 | 10 Good
10Y Return % 9.01 12.58
9.56
7.55 | 12.03 3 | 5 Good
15Y Return % 5.34 12.73
7.42
5.34 | 9.51 2 | 2 Good
1Y SIP Return % 5.51
-4.95
-13.46 | 5.51 1 | 27 Very Good
3Y SIP Return % 12.79
11.74
3.68 | 22.41 13 | 25 Good
5Y SIP Return % 13.20
12.33
3.82 | 24.88 9 | 21 Good
7Y SIP Return % 11.73
11.88
6.38 | 20.05 6 | 10 Good
10Y SIP Return % 9.99
10.00
6.62 | 13.06 3 | 5 Good
15Y SIP Return % 8.59
8.93
8.59 | 9.27 2 | 2 Good
Standard Deviation 5.63
7.95
1.17 | 13.76 11 | 25 Good
Semi Deviation 4.03
5.55
0.94 | 9.72 11 | 25 Good
Max Drawdown % -3.36
-7.43
-16.28 | -0.64 5 | 25 Very Good
VaR 1 Y % -5.41
-8.96
-17.51 | -0.28 10 | 25 Good
Average Drawdown % -1.93
-3.54
-7.99 | -0.53 9 | 25 Good
Sharpe Ratio 0.82
0.32
-1.67 | 1.01 3 | 25 Very Good
Sterling Ratio 0.88
0.64
0.34 | 1.05 3 | 25 Very Good
Sortino Ratio 0.41
0.19
-0.46 | 0.54 3 | 25 Very Good
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.41 -4.91 -3.16 -8.05 | 0.71 10 | 29
3M Return % -1.22 -6.67 -3.06 -7.73 | 1.77 11 | 29
6M Return % 0.07 -8.83 -2.79 -9.07 | 3.79 9 | 29
1Y Return % 12.43 8.83 10.99 7.47 | 17.38 8 | 27
3Y Return % 11.83 13.65 11.82 5.60 | 19.86 13 | 25
5Y Return % 13.56 17.46 12.91 5.44 | 23.38 9 | 21
7Y Return % 9.28 12.89 10.69 8.00 | 16.38 6 | 10
10Y Return % 9.70 12.58 10.80 8.58 | 13.74 3 | 5
1Y SIP Return % 6.20 -3.83 -12.92 | 6.20 1 | 27
3Y SIP Return % 13.53 13.06 4.95 | 24.15 13 | 25
5Y SIP Return % 13.96 13.77 5.12 | 26.66 11 | 21
7Y SIP Return % 12.46 13.14 7.65 | 21.49 6 | 10
10Y SIP Return % 10.68 11.21 7.95 | 14.75 3 | 5
Standard Deviation 5.63 7.95 1.17 | 13.76 11 | 25
Semi Deviation 4.03 5.55 0.94 | 9.72 11 | 25
Max Drawdown % -3.36 -7.43 -16.28 | -0.64 5 | 25
VaR 1 Y % -5.41 -8.96 -17.51 | -0.28 10 | 25
Average Drawdown % -1.93 -3.54 -7.99 | -0.53 9 | 25
Sharpe Ratio 0.82 0.32 -1.67 | 1.01 3 | 25
Sterling Ratio 0.88 0.64 0.34 | 1.05 3 | 25
Sortino Ratio 0.41 0.19 -0.46 | 0.54 3 | 25
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.51 ₹ 10,051.00 0.51 ₹ 10,051.00
1W -0.10 ₹ 9,990.00 -0.09 ₹ 9,991.00
1M -1.46 ₹ 9,854.00 -1.41 ₹ 9,859.00
3M -1.38 ₹ 9,862.00 -1.22 ₹ 9,878.00
6M -0.25 ₹ 9,975.00 0.07 ₹ 10,007.00
1Y 11.71 ₹ 11,171.00 12.43 ₹ 11,243.00
3Y 11.09 ₹ 13,709.00 11.83 ₹ 13,985.00
5Y 12.80 ₹ 18,262.00 13.56 ₹ 18,888.00
7Y 8.58 ₹ 17,789.00 9.28 ₹ 18,607.00
10Y 9.01 ₹ 23,702.00 9.70 ₹ 25,249.00
15Y 5.34 ₹ 21,825.00 ₹

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 5.51 ₹ 12,355.97 6.20 ₹ 12,399.92
3Y ₹ 36000 12.79 ₹ 43,587.94 13.53 ₹ 44,058.35
5Y ₹ 60000 13.20 ₹ 83,577.66 13.96 ₹ 85,164.60
7Y ₹ 84000 11.73 ₹ 127,643.04 12.46 ₹ 131,013.71
10Y ₹ 120000 9.99 ₹ 201,425.16 10.68 ₹ 208,943.64
15Y ₹ 180000 8.59 ₹ 357,234.66 ₹


Date Uti Retirement Fund NAV Regular Growth Uti Retirement Fund NAV Direct Growth
29-01-2025 47.2927 50.8905
28-01-2025 47.0539 50.6326
27-01-2025 47.0146 50.5895
24-01-2025 47.3075 50.902
23-01-2025 47.4568 51.0618
22-01-2025 47.3388 50.9339
21-01-2025 47.3038 50.8954
20-01-2025 47.5192 51.1262
17-01-2025 47.3638 50.9564
16-01-2025 47.4707 51.0706
15-01-2025 47.2701 50.8538
14-01-2025 47.2145 50.7932
13-01-2025 47.0515 50.6169
10-01-2025 47.5728 51.1751
09-01-2025 47.7742 51.3908
08-01-2025 47.9415 51.5699
07-01-2025 48.0381 51.673
06-01-2025 47.888 51.5106
03-01-2025 48.2324 51.8784
02-01-2025 48.3645 52.0196
01-01-2025 48.0823 51.7151
31-12-2024 48.0278 51.6556
30-12-2024 47.994 51.6184

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.