A goal-oriented mutual-fund structure
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.
Investors whose goal and access needs match the scheme's lock-in or exit rules.
Market risk plus any lock-in, exit restriction and goal-timing mismatch.
How the money may be invested
Debt and Money Market instruments (including securitized debt)*: 60-100% (Low to Medium) Equity & Equity related instruments (Including units of REITS): 0-40% (Medium to High) Units issued by InvITs: 0-10% (Medium to High) * The fund may invest up to 50% of its debt portfolio in securitized debt
- SEBI category
- Solution Oriented - Retirement Fund
- Fund type
- An open ended retirement solution oriented scheme having a lock in of 5 years or till retirement age (whichever is earlier)
- Primary benchmark
- CRISIL Short Term Debt Hybrid 60+40 Index
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- Mr. Anurag Mittal FM 1,Mr. V Srivatsa FM 2,Not Applicable FM 3
- Manager tenure on this scheme
- Since 03/11/2025 FM 1,01/11/2009 FM 2,Not Applicable FM 3
- Role / co-management
- Co manage (Debt) FM 1,Co manage (Equity) FM 2,Not Applicable FM 3
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| UTI Retirement Fund - Direct Plan - Growth | ₹54.9835 | 04 Sep 2026 |
| UTI Retirement Fund - Regular Plan - Growth | ₹50.6296 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Regular 1.63%, Direct 1.16%
- Exit load
- Period of Holding *: (A) Less than one year – 1% (B) Greater than or equal to one year – Nil *Units shall not be under lock-in period.
- Minimum application
- Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500, · multiples of 1
- SIP frequency
- SIP - Daily (D), Weekly (W), Monthly (M), Quarterly(Q) SWP - Monthly, Quarterly,Halfyearly (H), Yearly (Y) STP - Daily, Weekly, Monthly,Quarterly
- Minimum SIP amount
- SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000
- Minimum instalments
- SIP - Daily - 6, Weekly - 6, Monthly - 6, Quarterly - 4 SWP - Monthly-3, Quarterly-3, Halfyearly-3, Yearly-3 STP - Daily-20,Weekly-6,Monthly-6,Quarterly-2
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.