Which has the lower expense ratio, Axis Retirement Fund - Aggressive Plan - Direct Growth or UTI - GILT FUND - Discontinued PF Plan - Growth Option?

Axis Retirement Fund - Aggressive Plan - Direct Growth's expense ratio is 0.31% versus UTI - GILT FUND - Discontinued PF Plan - Growth Option's 0.07%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both Axis Retirement Fund - Aggressive Plan - Direct Growth and UTI - GILT FUND - Discontinued PF Plan - Growth Option?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

Axis Retirement Fund - Aggressive Plan - Direct Growth vs UTI - GILT FUND - Discontinued PF Plan - Growth Option

Q: Axis Retirement Fund - Aggressive Plan - Direct Growth vs UTI - GILT FUND - Discontinued PF Plan - Growth Option — which has given better returns?

Axis Retirement Fund - Aggressive Plan - Direct Growth has a 1-year return of 13.22% versus UTI - GILT FUND - Discontinued PF Plan - Growth Option's 13.88%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Side-by-side comparison of NAV, returns, expense ratio and star rating.

Axis Retirement Fund - Aggressive Plan - Direct Growth

Axis Mutual Fund

★★★★★

Commodities · Gold

UTI - GILT FUND - Discontinued PF Plan - Growth Option

UTI Mutual Fund

★★★★★

Commodities · Gold

Metric	Axis Retirement Fund -...	UTI - GILT FUND - Disc...
NAV	₹45.62	₹27.89
Star Rating	★★★★	★★★★★
Expense Ratio	0.31%	0.07%
AUM	₹3,133 Cr	₹1,515 Cr
1M Return	-3.01%	-3.18%
3M Return	+2.83%	+2.94%
6M Return	-4.72%	-4.35%
1Y Return	+13.22%	+13.88%
3Y CAGR	+33.62%	+34.48%
5Y CAGR	+23.52%	+5.13%
Risk Level	—	—
Fund Manager	Devang Shah	Ayush Jain

View Fund A View Fund B

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