
Uti Retirement Fund -direct Plan- Growth
Uti Retirement Fund -direct Plan- Growth
as on 06 Nov 2026
Uti Retirement Fund -direct Plan- Growth is a Solution Oriented mutual fund scheme launched on 01 Jan 2013. The current NAV stands at ₹55.2638 as of 06 Nov 2026. From the funds total AUM, its top holdings include Net Current Assets at 11.23%, GOI LOAN 7.18% 2037 at 6.89%, GOI LOAN 6.68% 2040 at 3.48%, GOI LOAN 7.32% 2030 at 3.11%, HDFC Bank at 2.88%
Scheme Overview
- Inception Date : 01 Jan 2013
- AUM : ₹4,541.61 Cr
- 5Y Returns (CAGR) : 8.71%
- Expense Ratio : 1.16%
- Min. SIP : ₹500
- Min. Lumpsum : ₹500
Returns Calculator
basis annualised returns
Investment Type
SIP Amount
Investment Period
5Y
₹ 32.73 L
3.50%
₹ 36.98 L
8.00%
₹ 37.70 L
8.71%
Total Investment
₹ 30,00,000
Returns
₹ 7,69,804 (8.71%)
Maturity Value
₹ 37,69,804
Disclaimer: Fixed deposits offer guaranteed returns. Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
Direct vs Regular Returns
Sorry, No Data Available at this Moment!
Returns vs Category
Sorry, No Data Available at this Moment!
*The above returns are absolute
Returns Vs Nifty 50
Historical Returns
Sorry, No Data Available at this Moment!
Start SIP with as Low as ₹100.
Historical NAV
Sorry, No Data Available at this Moment!
Asset Allocation
AUM
₹ 4,541.61 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Asset Allocation
AUM
₹4,541.61 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Sector Holdings
as of 31 May 2026
| Sectors | Allocation | Weightage | Value (in Cr.) |
|---|---|---|---|
| Other | 62.54% | ||
| Financial Services | 10.65% | ||
| Industrials | 4.24% | ||
| Technology | 3.69% | ||
| Consumer Cyclical | 3.37% | ||
| Communication Services | 2.86% | ||
| Healthcare | 2.66% | ||
| Consumer Defensive | 2.49% | ||
| Energy | 2.38% | ||
| Basic Materials | 2.00% | ||
| Utilities | 1.68% | ||
| Real Estate | 1.45% |
Stock Holdings
as of 31 May 2026
| Name | Allocation | Weightage |
|---|---|---|
![]() N Net Current Assets | 11.23% | |
![]() G GOI LOAN 7.18% 2037 | 6.89% | |
![]() G GOI LOAN 6.68% 2040 | 3.48% | |
![]() G GOI LOAN 7.32% 2030 | 3.11% | |
![]() H HDFC Bank | 2.88% | |
![]() G GOI LOAN 7.24% 2055 | 2.59% | |
![]() I ICICI Bank | 2.43% | |
![]() I Infosys | 1.91% | |
![]() P Power Finance Corporation Limited | 1.61% | |
![]() G GOI LOAN 6.28% 2032 | 1.58% | |
![]() L Larsen & Toubro | 1.53% | |
![]() R Reliance Industries | 1.42% | |
![]() I ITC | 1.31% | |
![]() S SDL RJ 7.32% 2035 | 1.20% | |
![]() B Bharti Airtel | 1.16% | |
![]() P Power Grid Corporation of India | 1.14% | |
![]() S SDL WB 7.73% 2043 | 1.13% | |
![]() G GOI LOAN 6.94% 2036 | 1.09% | |
![]() S SDL AP 7.88% 2046 | 1.09% | |
![]() I IRFC 7.57% 2029 SR 175 | 1.08% | |
![]() A ABCL-7.9413%-07082028-NCD | 1.08% | |
![]() S SIDBI-7.42%-12032029-NCD | 1.07% | |
![]() S SDL KL 7.66% 2039 | 1.07% | |
![]() S SDL HR 7.73% 2045 | 1.07% | |
![]() E EXIM-7.12%-27062030-NCD | 1.07% | |
![]() G GOI LOAN 6.92% 2039 | 1.06% | |
![]() P PFCL-7.24%-15012035-NCD | 1.05% | |
![]() S SDL WB 7.74% 2044 | 1.04% | |
![]() N National Bank For Agriculture And Rural Development | 1.03% | |
![]() S SDL MP 7.68% 2043 | 1.02% | |
![]() S SDL AP 6.82% 2036 | 1.02% | |
![]() W Wipro | 1.01% | |
![]() G GOI LOAN 7.1% 2034 | 0.95% | |
![]() I Indus Towers | 0.88% | |
![]() S SDL WB 6.99% 2036 | 0.82% | |
![]() S Shriram Finance | 0.79% | |
![]() M Mahindra & Mahindra | 0.77% | |
![]() H HCL Technologies | 0.76% | |
![]() S State Bank of India | 0.75% | |
![]() L LIC of India | 0.70% | |
![]() M Maruti Suzuki | 0.65% | |
![]() I INDIA UNIVERSAL TRUST AL1 | 0.57% | |
![]() G Grasim Industries | 0.57% | |
![]() A ABHFL-7.8461%-10032028-NCD | 0.54% | |
![]() I Indian Railway Finance Corporation Limited | 0.54% | |
![]() N National Bank For Agriculture And Rural Development | 0.54% | |
![]() I IRFCL-7.46%-18062029-NCD | 0.54% | |
![]() C Caplin Point Laboratories | 0.54% | |
![]() R Rural Electrification Corporation Limited | 0.54% | |
![]() T Tata Power | 0.54% | |
![]() P Poonawalla Fincorp Limited | 0.53% | |
![]() A Axis Finance Limited | 0.53% | |
![]() S SDL MP 7.65% 2040 | 0.53% | |
![]() S SIDBI-7.04%-09022029-NCD | 0.53% | |
![]() B Bajaj Finance Limited | 0.53% | |
![]() S SHIVSHAKTI SECURITISATION TRUST | 0.53% | |
![]() C Coal India | 0.53% | |
![]() S SDL RJ 7.23% 2035 | 0.52% | |
![]() S SDL AP 6.96% 2034 | 0.52% | |
![]() C Canara Bank | 0.52% | |
![]() S Small Industries Dev Bank Of India | 0.52% | |
![]() S SDL AP 7.08% 2037 | 0.52% | |
![]() A Aurobindo Pharma | 0.51% | |
![]() A Ajanta Pharma | 0.51% | |
![]() S SDL MH 7.12% 2047 | 0.50% | |
![]() E Emami | 0.50% | |
![]() H Hero Motocorp | 0.49% | |
![]() C Crompton Greaves | 0.47% | |
![]() I Interglobe Aviation | 0.47% | |
![]() S Shivalik Bimetal Controls | 0.46% | |
![]() I Info Edge | 0.46% | |
![]() K Knowledge Realty Trust | 0.44% | |
![]() F Federal Bank | 0.43% | |
![]() N Nexus Select Trust REIT | 0.43% | |
![]() T TOPL-7.80%-17012031-NCD | 0.43% | |
![]() G GHCL | 0.42% | |
![]() O Oil India | 0.42% | |
![]() N NIIT Learning Systems | 0.41% | |
![]() D DCM Shriram Consolidated | 0.40% | |
![]() P Phoenix Mills | 0.40% | |
![]() M Motilal Oswal Financial Services | 0.39% | |
![]() J JK Paper | 0.39% | |
![]() A Aditya Birla Capital | 0.39% | |
![]() V VRL Logistics | 0.39% | |
![]() G GR Infraprojects | 0.38% | |
![]() I Indusind Bank | 0.38% | |
![]() M Marksans Pharma | 0.37% | |
![]() I ICICI Prudential Life Insurance | 0.37% | |
![]() T Tips Music | 0.37% | |
![]() S Sundaram Finance | 0.35% | |
![]() I IRB InvIT Fund | 0.34% | |
![]() P Piramal Finance Limited | 0.34% | |
![]() M Max Financial Services | 0.32% | |
![]() R RECL-6.7%-31122029-NCD | 0.31% | |
![]() B Biocon | 0.31% | |
![]() S SDL MH 6.98% 2037 | 0.31% | |
![]() G GIC of India | 0.31% | |
![]() G Great Eastern Shipping Company | 0.28% | |
![]() C Colgate Palmolive | 0.28% | |
![]() M Mahindra Holidays | 0.27% | |
![]() G GSGL-7.99%-26122028-NCD | 0.27% | |
![]() G GSGL-7.99%-26032029-NCD | 0.27% | |
![]() U UPL | 0.26% | |
![]() T Tata Motors | 0.24% | |
![]() R Raymond Lifestyle | 0.24% | |
![]() S SP Apparels | 0.24% | |
![]() G Glenmark Pharmaceuticals | 0.22% | |
![]() C Canara Bank | 0.20% | |
![]() V Vedanta | 0.20% | |
![]() A Alembic Pharmaceuticals | 0.20% | |
![]() M Malco Energy Ltd. | 0.19% | |
![]() T Talwandi Sabo Power Ltd. | 0.19% | |
![]() V Vedanta Aluminium Metal Ltd. | 0.19% | |
![]() V Vedanta Iron And Steel Ltd. | 0.19% | |
![]() R REC | 0.17% | |
![]() M Mindspace Business Parks REIT | 0.17% | |
![]() R Rossari Biotech | 0.16% | |
![]() U UTI Nifty 5 Year G-Sec ETF | 0.11% | |
![]() U UTI Nifty 50 ETF | 0.11% | |
![]() A Axis Bank Ltd. Std - Margin | 0.11% | |
![]() U UTI Nifty 10 Year G-Sec ETF | 0.10% | |
![]() C Clearing Corporation Of India Ltd. Std - Margin | 0.07% | |
![]() S SDL WB 7.79% 2045 | 0.06% | |
![]() S SDL UP 7.48% 2036 | 0.04% | |
![]() T TOPL-7.60%-19012029-NCD | 0.02% | |
![]() S SDL HR 7.08% 2039 | 0.02% | |
![]() B Bharat Petroleum | 0.02% | |
![]() S SDL MH 7.19% 2040 | 0.01% | |
![]() M Mphasis | 0.01% | |
![]() I INDIA UNIVERSAL TRUST AL1 | 0.00% | |
![]() S SDL MH 7.46% 2035 | 0.00% | |
![]() H HDFC Bank Limited | 0.00% | |
![]() I IRFCL-7.17%-27042035-NCD | 0.00% | |
![]() B Bajaj Finance Limited | 0.00% | |
![]() N Nippon Life India AMC | 0.00% | |
![]() S SDL UP 7.62% 2041 | 0.00% | |
![]() S SDL WB 7.72% 2041 | 0.00% | |
![]() G GOI LOAN 6.48% 2035 | 0.00% | |
![]() S SDL WB 7.88% 2044 | 0.00% | |
![]() S SDL CG 7.32% 2037 | 0.00% |
Fund Comparison
Fund Details
52W High NAV
₹ 55.6234
Min. SIP Amount
₹ 500.00
Min. Lumpsum Amount
₹ 500.00
AUM (in Cr.)
₹ 4,541.61
Expense Ratio
1.16%
Lock-in Period
5.0 Years
52W Low NAV
₹ 51.8538
Inception Date
01 Jan 2013
Fund Age
13 Yrs
Benchmark
CRISIL Short Term Debt Hybrid 60+40 Index
Scheme Type
Open Ended
Stamp Duty
0.005% (from July 1st 2020)
Exit Load
- Less Than One Year - 1%
- greater Than Or Equal To One Year - Nil
Tax Implication
- If you redeem within 1 year, STCG are taxed at 20%; If you redeem after 1 year, and returns exceed ₹1.25 Lakhs in a financial year, LTCG are taxed at 12.5%
Fund Managers
| Name | Qualification |
|---|---|
| Anurag Mittal | B.Com (Hons),ACA,MSc in Accounting and Finance From London School of Economics. |
| V Srivatsa | B.Com graduate, C.A., C.W.A. and has a PGDM from IIM, Indore. |
Fund 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.
Risk-O-Meter
Investors understand that their principal will be at
High Risk
Risk Scale
Low
Moderately Low
Moderate
Moderately High
High
Very High
AMC Information
UTI Mutual Fund
No. of Schemes
66
Total AUM
₹ 2,48,779.83 Cr
Contact Details
UTI Towers, Gn Block,Bandra Kurla Complex,Bandra (East), Mumbai 400 051
Contact Details
UTI Towers, Gn Block,Bandra Kurla Complex,Bandra (East), Mumbai 400 051
FAQs
When was Uti Retirement Fund direct launched?
What is the current NAV of Uti Retirement Fund direct?
What is the AUM of Uti Retirement Fund direct?
What is the rate of return of Uti Retirement Fund direct?
- In the past 1Y: 1.75%
- In the past 3Y: 9.26%
- In the past 5Y: 8.71%
What is the expense ratio of Uti Retirement Fund direct?
What is exit load of Uti Retirement Fund direct?
What is the portfolio of Uti Retirement Fund direct?
- HDFC Bank: 2.88%
- ICICI Bank: 2.43%
- Infosys: 1.91%
- Larsen & Toubro: 1.53%
- Reliance Industries: 1.42%
Top 3 sectoral holdings include:
- Others: 62.54%
- Financial Services: 10.65%
- Industrials: 4.24%
How risky is investing in Uti Retirement Fund direct?
Who is the fund manager Uti Retirement Fund direct?
What is the minimum investment required in Uti Retirement Fund direct?
How to invest in Uti Retirement Fund direct directly?
- Open Demat Account on Dhan if you don't have one.
- Analyze the fund performance.
- Invest via SIP or Lumpsum.

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