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UTI Retirement Fund- Direct Plan
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 54/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)8.31%
- Expense ratio (20%)1.16%
- AUM (15%)₹4,699 Cr
Not investment advice — an analytical read of public fund data. Methodology →
UTI Mutual Fund · Hybrid · Balanced Hybrid
₹54.45
AUM: ₹4,699 Cr
NAV updated 8 days ago
Plan
Direct
Option
Growth
Risk
High
Expense Ratio
1.16%
Exit Load
Exit load of 1%, if redeemed within 1 year.
Fund Manager
V Srivatsa, Amandeep Chopra
Inception
Jan 2013
Benchmark
CRISIL Short Term Debt Hybrid 60+40 Index
Sharpe Ratio
-0.7
Std Dev (1Y)
5.86%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-1.6%
3m
-0.05%
6m
+1.67%
1y
+0.74%
3y
+8.31%
5y
+8.9%
10y
+9.03%
since inception
+8.32%
TopFund's Take on UTI Retirement Fund- Direct Plan
UTI Retirement Fund- Direct Plan sits in the middle of the pack for Balanced Hybrid funds, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 54/100.
Cost: At 1.16%, the expense ratio is meaningfully cheaper — about 15% below the Balanced Hybrid category average of 1.37% (based on 12 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.7 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 5.86% is on the lower side for a Balanced Hybrid fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors who want a single fund blending equity growth with debt-driven stability. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about UTI Retirement Fund- Direct Plan
The current NAV (Net Asset Value) of UTI Retirement Fund- Direct Plan is ₹54.45. NAV is updated every business day after market close by AMFI.
1Y: 0.74% · 3Y CAGR: 8.31% · 5Y CAGR: 8.9%
The expense ratio of UTI Retirement Fund- Direct Plan is 1.16% per annum. This is the annual fee charged by the fund to manage your investment.
UTI Retirement Fund- Direct Plan is managed by V Srivatsa, Amandeep Chopra at UTI Mutual Fund.
UTI Retirement Fund- Direct Plan is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
UTI Retirement Fund- Direct Plan is a Balanced Hybrid fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in UTI Retirement Fund- Direct Plan with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of UTI Retirement Fund- Direct Plan is ₹4,699 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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