Previously Known As : Uti Retirement Benefit Pension Fund
Uti Retirement Fund Datagrid
Category Retirement Fund
BMSMONEY Rank 9
Rating
Growth Option 04-12-2025
NAV ₹50.75(R) -0.02% ₹54.89(D) -0.02%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.56% 11.73% 12.38% 10.18% 9.7%
Direct 5.2% 12.44% 13.12% 10.9% 10.39%
Nifty 500 TRI 3.82% 15.22% 17.88% 15.87% 14.96%
SIP (XIRR) Regular 7.69% 10.76% 10.43% 11.38% 10.22%
Direct 8.32% 11.46% 11.14% 12.11% 10.92%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.07 0.53 0.76 4.94% 0.15
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.62% -5.84% -5.79% 0.41 4.18%
Fund AUM As on: 30/06/2025 4677 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Icici Prudential Retirement Fund - Hybrid Conservative Plan 6

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
UTI Retirement Fund - Regular Plan 50.75
-0.0100
-0.0200%
UTI Retirement Fund- Direct Plan 54.89
-0.0100
-0.0200%

Review Date: 04-12-2025

Beginning of Analysis

In the Retirement Fund category, UTI Retirement Fund is the 6th ranked fund. The category has total 26 funds. The UTI Retirement Fund has shown an excellent past performence in Retirement Fund. The fund has a Jensen Alpha of 4.94% which is higher than the category average of 3.01%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.07 which is higher than the category average of 0.77.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

UTI Retirement Fund Return Analysis

The UTI Retirement Fund has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of 0.9%, 3.21 and 2.62 in last one, three and six months respectively. In the same period the category average return was 0.16%, 2.59% and 3.25% respectively.
  • UTI Retirement Fund has given a return of 5.2% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 1.38% more return than the benchmark return.
  • The fund has given a return of 12.44% in last three years and rank 15th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 2.78% less return than the benchmark return.
  • UTI Retirement Fund has given a return of 13.12% in last five years and category average returns is 13.13% in same period. The fund ranked 10th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 4.76% less return than the benchmark return.
  • The fund has given a return of 10.39% in last ten years and ranked 4th out of seven funds in the category. In the same period the Nifty 500 TRI return was 14.96%. The fund has given 4.57% less return than the benchmark return.
  • The fund has given a SIP return of 8.32% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 13th in 29 funds
  • The fund has SIP return of 11.46% in last three years and ranks 16th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (24.11%) in the category in last three years.
  • The fund has SIP return of 11.14% in last five years whereas category average SIP return is 11.76%.

UTI Retirement Fund Risk Analysis

  • The fund has a standard deviation of 5.62 and semi deviation of 4.18. The category average standard deviation is 8.1 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -5.84 and a maximum drawdown of -5.79. The category average VaR is -9.67 and the maximum drawdown is -9.97. The fund has a beta of 0.42 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.86 0.33
    0.06
    		-1.56 | 0.95 3 | 29 Very Good
    3M Return % 3.07 4.18
    2.30
    		-1.16 | 4.96 10 | 29 Good
    6M Return % 2.32 4.72
    2.67
    		-0.85 | 8.07 15 | 29 Good
    1Y Return % 4.56 3.82
    3.24
    		-2.35 | 9.18 8 | 29 Very Good
    3Y Return % 11.73 15.22
    12.10
    		5.32 | 22.97 15 | 26 Average
    5Y Return % 12.38 17.88
    11.73
    		3.76 | 24.74 9 | 21 Good
    7Y Return % 10.18 15.87
    11.19
    		7.40 | 17.95 6 | 10 Good
    10Y Return % 9.70 14.96
    9.99
    		7.04 | 13.21 4 | 7 Good
    15Y Return % 6.47 12.38
    7.88
    		6.47 | 9.28 2 | 2 Good
    1Y SIP Return % 7.69
    8.32
    		2.69 | 19.96 13 | 29 Good
    3Y SIP Return % 10.76
    11.14
    		5.27 | 22.37 15 | 26 Average
    5Y SIP Return % 10.43
    10.42
    		4.02 | 21.43 11 | 21 Good
    7Y SIP Return % 11.38
    11.63
    		6.74 | 19.14 6 | 10 Good
    10Y SIP Return % 10.22
    10.10
    		6.84 | 12.89 4 | 7 Good
    15Y SIP Return % 9.05
    9.12
    		9.05 | 9.19 2 | 2 Good
    Standard Deviation 5.62
    8.10
    		1.10 | 14.70 11 | 26 Good
    Semi Deviation 4.18
    5.99
    		0.79 | 10.76 11 | 26 Good
    Max Drawdown % -5.79
    -9.97
    		-19.00 | -0.42 10 | 26 Good
    VaR 1 Y % -5.84
    -9.67
    		-20.07 | 0.00 11 | 26 Good
    Average Drawdown % -2.76
    -4.41
    		-10.34 | -0.15 12 | 26 Good
    Sharpe Ratio 1.07
    0.77
    		-0.08 | 1.16 5 | 26 Very Good
    Sterling Ratio 0.76
    0.64
    		0.48 | 0.89 4 | 26 Very Good
    Sortino Ratio 0.53
    0.37
    		-0.03 | 0.59 5 | 26 Very Good
    Jensen Alpha % 4.94
    3.01
    		-0.62 | 6.00 5 | 26 Very Good
    Treynor Ratio 0.15
    0.12
    		-0.02 | 0.28 6 | 26 Very Good
    Modigliani Square Measure % 27.65
    25.31
    		14.74 | 72.17 7 | 26 Very Good
    Alpha % -3.18
    -2.81
    		-8.18 | 6.99 12 | 26 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.90 0.33 0.16 -1.44 | 1.04 3 | 29 Very Good
    3M Return % 3.21 4.18 2.59 -0.81 | 5.33 11 | 29 Good
    6M Return % 2.62 4.72 3.25 -0.30 | 8.81 15 | 29 Good
    1Y Return % 5.20 3.82 4.43 -1.22 | 10.64 12 | 29 Good
    3Y Return % 12.44 15.22 13.39 6.53 | 24.66 15 | 26 Average
    5Y Return % 13.12 17.88 13.13 5.03 | 26.45 10 | 21 Good
    7Y Return % 10.90 15.87 12.45 8.61 | 19.36 6 | 10 Good
    10Y Return % 10.39 14.96 11.23 8.35 | 14.91 4 | 7 Good
    1Y SIP Return % 8.32 9.57 3.84 | 21.60 13 | 29 Good
    3Y SIP Return % 11.46 12.42 6.44 | 24.11 16 | 26 Average
    5Y SIP Return % 11.14 11.76 5.22 | 23.12 12 | 21 Good
    7Y SIP Return % 12.11 12.90 7.94 | 20.55 6 | 10 Good
    10Y SIP Return % 10.92 11.31 8.08 | 14.61 4 | 7 Good
    Standard Deviation 5.62 8.10 1.10 | 14.70 11 | 26 Good
    Semi Deviation 4.18 5.99 0.79 | 10.76 11 | 26 Good
    Max Drawdown % -5.79 -9.97 -19.00 | -0.42 10 | 26 Good
    VaR 1 Y % -5.84 -9.67 -20.07 | 0.00 11 | 26 Good
    Average Drawdown % -2.76 -4.41 -10.34 | -0.15 12 | 26 Good
    Sharpe Ratio 1.07 0.77 -0.08 | 1.16 5 | 26 Very Good
    Sterling Ratio 0.76 0.64 0.48 | 0.89 4 | 26 Very Good
    Sortino Ratio 0.53 0.37 -0.03 | 0.59 5 | 26 Very Good
    Jensen Alpha % 4.94 3.01 -0.62 | 6.00 5 | 26 Very Good
    Treynor Ratio 0.15 0.12 -0.02 | 0.28 6 | 26 Very Good
    Modigliani Square Measure % 27.65 25.31 14.74 | 72.17 7 | 26 Very Good
    Alpha % -3.18 -2.81 -8.18 | 6.99 12 | 26 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Uti Retirement Fund NAV Regular Growth Uti Retirement Fund NAV Direct Growth
    04-12-2025 50.7494 54.8884
    03-12-2025 50.7051 54.8397
    02-12-2025 50.7593 54.8975
    01-12-2025 50.8093 54.9507
    28-11-2025 50.8682 55.0119
    27-11-2025 50.8931 55.0381
    26-11-2025 50.8916 55.0355
    25-11-2025 50.6344 54.7566
    24-11-2025 50.5878 54.7053
    21-11-2025 50.6358 54.7548
    20-11-2025 50.7349 54.8612
    19-11-2025 50.6843 54.8056
    18-11-2025 50.598 54.7115
    17-11-2025 50.6808 54.8002
    14-11-2025 50.6174 54.7292
    13-11-2025 50.6887 54.8055
    12-11-2025 50.6849 54.8005
    11-11-2025 50.5357 54.6383
    10-11-2025 50.422 54.5146
    07-11-2025 50.2743 54.3524
    06-11-2025 50.24 54.3145
    04-11-2025 50.3188 54.3981

    Fund Launch Date: 26/Dec/1994
    Fund Category: Retirement Fund
    Investment 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.
    Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
    Fund Benchmark: CRISIL ShortTerm Debt Hybrid60+40 Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.