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UTI Retirement Fund - Regular Plan is a solution scheme managed by UTI Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 12.59%, with the bottom and top quartiles at 11.81% and 13.38% respectively. It has ranked in the top half of its category for 6 of the last 12 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 1.63% on assets of ₹4,630Cr.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 55% of its portfolio classified as of 2026-04-30.
| Holding | Sector |
|---|
| Window | Min | P25 | Median |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| Shriram Finance Limited | Financial Services | 0.77% |
| NIIT Learning Systems Limited | Consumer Cyclical | 0.55% |
| General Insurance Corporation of India | Financial Services | 0.28% |
| Tata Motors Limited | Consumer Cyclical | 0.26% |
| Sector | Holdings | Weight |
|---|---|---|
| Banks | 5 | 6.71% |
| IT - Software | 4 | 3.55% |
| Pharmaceuticals & Biotechnology | 6 | 2.50% |
| Telecom - Services | 2 | 1.96% |
| Automobiles | 3 | 1.90% |
| Construction | 2 | 1.89% |
| Power | 2 | 1.80% |
| Finance | 1 | 1.69% |
| Petroleum Products | 2 | 1.58% |
| Insurance | 1 | 1.52% |
| Unclassified | 4 | 1.39% |
| - | 4 | 1.39% |
| Diversified FMCG | 1 | 1.30% |
| Transport Services | 3 | 1.12% |
| Personal Products | 2 | 0.83% |
| Chemicals & Petrochemicals | 2 | 0.58% |
| Capital Markets | 2 | 0.57% |
| Other Consumer Services | 1 | 0.55% |
| Consumable Fuels | 1 | 0.55% |
| Cement & Cement Products | 1 | 0.51% |
| Textiles & Apparels | 2 | 0.49% |
| Diversified | 1 | 0.47% |
| Consumer Durables | 1 | 0.46% |
| Retailing | 1 | 0.44% |
| Oil | 1 | 0.43% |
| Paper, Forest & Jute Products | 1 | 0.40% |
| Industrial Products | 1 | 0.38% |
| Realty | 1 | 0.37% |
| Diversified Metals | 1 | 0.37% |
| Entertainment | 1 | 0.36% |
| Leisure Services | 1 | 0.30% |
| Agricultural Commercial & Construction Vehicles | 1 | 0.26% |
| Fertilizers & Agrochemicals | 1 | 0.26% |
Active bets vs the average Solution fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -0.94% | 5.96% | 11.48% | 18.69% | 32.62% | 98.2% |
| 3Y | 9.23% | 11.81% | 12.59% | 13.38% | 15.72% | 100.0% |
| 5Y | 9.11% | 10.70% | 12.55% | 13.58% | 15.35% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 1.9% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Solution.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.