Previously Known As : Uti Retirement Benefit Pension Fund
Uti Retirement Fund Datagrid
Category Retirement Fund
BMSMONEY Rank 6
Rating
Growth Option 28-09-2026
NAV ₹49.64(R) -0.69% ₹53.92(D) -0.68%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 0.7% -% 7.9% 10.25% 8.19%
Direct 1.25% -% 8.59% 10.97% 8.87%
Benchmark
SIP (XIRR) Regular -% -% -% -% -%
Direct -0.96% 1.94% 7.04% 9.4% 9.18%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.53 0.23 0.59 0.82% 0.1
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
6.69% -7.84% -6.03% 0.4 5.16%
Fund AUM As on: 30/12/2025 4755 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
UTI Retirement Fund 6

NAV Date: 28-09-2026

Scheme Name NAV Rupee Change Percent Change
UTI Retirement Fund - Regular Plan 49.64
-0.3400
-0.6900%
UTI Retirement Fund- Direct Plan 53.92
-0.3700
-0.6800%

Review Date: 28-09-2026

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 0.82% which is higher than the category average of 0.09%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.53 which is higher than the category average of 0.38.
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 -2.26%, -1.42 and 3.99 in last one, three and six months respectively. In the same period the category average return was -3.46%, -1.18% and 8.03% respectively.
  • UTI Retirement Fund has given a return of 1.25% in last one year. In the same period the Nifty 500 TRI return was -2.0%. The fund has given 3.25% more return than the benchmark return.
  • UTI Retirement Fund has given a return of 8.59% in last five years and category average returns is 8.78% in same period. The fund ranked 11th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 10.13%. The fund has given 1.54% less return than the benchmark return.
  • The fund has given a return of 8.87% in last ten years and ranked 6th out of ten funds in the category. In the same period the Nifty 500 TRI return was 12.97%. The fund has given 4.1% less return than the benchmark return.
  • The fund has given a SIP return of -0.96% in last one year whereas category average SIP return is 0.83%. The fund one year return rank in the category is 18th in 28 funds
  • The fund has SIP return of 1.94% in last three years and ranks 15th in 25 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (10.16%) in the category in last three years.
  • The fund has SIP return of 7.04% in last five years whereas category average SIP return is 8.07%.

UTI Retirement Fund Risk Analysis

  • The fund has a standard deviation of 6.69 and semi deviation of 5.16. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -7.84 and a maximum drawdown of -6.03. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -2.30 -5.48
    -3.55
    		-6.25 | -0.42 9 | 29 Good
    3M Return % -1.54 -3.04
    -1.45
    		-3.31 | -0.15 19 | 29 Average
    6M Return % 3.71 8.99
    7.43
    		1.64 | 20.50 22 | 29 Average
    1Y Return % 0.70 -1.34
    1.00
    		-6.59 | 11.46 18 | 29 Average
    5Y Return % 7.90 9.14
    7.54
    		3.76 | 16.71 10 | 25 Good
    7Y Return % 10.25 14.34
    9.94
    		3.98 | 18.92 9 | 18 Good
    10Y Return % 8.19 12.67
    9.06
    		5.66 | 13.39 6 | 10 Good
    15Y Return % 7.20 13.37
    8.13
    		7.20 | 9.06 2 | 2 Good
    Standard Deviation 6.69
    9.65
    		1.31 | 16.38 10 | 26 Good
    Semi Deviation 5.16
    7.17
    		0.96 | 11.68 10 | 26 Good
    Max Drawdown % -6.03
    -10.32
    		-19.00 | -0.74 10 | 26 Good
    VaR 1 Y % -7.84
    -12.90
    		-25.74 | -0.37 10 | 26 Good
    Average Drawdown % 3.82
    5.15
    		0.38 | 11.62 16 | 26 Average
    Sharpe Ratio 0.53
    0.38
    		-0.55 | 0.91 6 | 26 Very Good
    Sterling Ratio 0.59
    0.51
    		0.33 | 0.81 4 | 26 Very Good
    Sortino Ratio 0.23
    0.18
    		-0.19 | 0.46 8 | 26 Good
    Jensen Alpha % 0.82
    0.09
    		-3.62 | 6.21 6 | 26 Very Good
    Treynor Ratio 0.10
    0.07
    		-0.19 | 0.19 7 | 26 Very Good
    Modigliani Square Measure % 8.07
    5.75
    		-8.49 | 14.04 6 | 26 Very Good
    Alpha % -5.05
    -3.60
    		-9.58 | 8.09 15 | 26 Average
    Return data last Updated On : Sept. 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -2.26 -5.48 -3.46 -6.14 | -0.34 9 | 29 Good
    3M Return % -1.42 -3.04 -1.18 -3.08 | 0.16 20 | 29 Average
    6M Return % 3.99 8.99 8.03 2.16 | 21.32 22 | 29 Average
    1Y Return % 1.25 -1.34 2.14 -5.65 | 12.95 18 | 29 Average
    5Y Return % 8.59 9.14 8.78 4.98 | 18.32 11 | 25 Good
    7Y Return % 10.97 14.34 11.30 5.27 | 20.66 10 | 18 Good
    10Y Return % 8.87 12.67 10.33 6.93 | 14.83 6 | 10 Good
    1Y SIP Return % -0.96 0.83 -8.34 | 13.32 18 | 28 Average
    3Y SIP Return % 1.94 2.88 -1.97 | 10.16 15 | 25 Average
    5Y SIP Return % 7.04 8.07 4.64 | 16.78 14 | 24 Average
    7Y SIP Return % 9.40 10.34 4.86 | 20.72 10 | 18 Good
    10Y SIP Return % 9.18 9.97 6.24 | 14.67 6 | 10 Good
    Standard Deviation 6.69 9.65 1.31 | 16.38 10 | 26 Good
    Semi Deviation 5.16 7.17 0.96 | 11.68 10 | 26 Good
    Max Drawdown % -6.03 -10.32 -19.00 | -0.74 10 | 26 Good
    VaR 1 Y % -7.84 -12.90 -25.74 | -0.37 10 | 26 Good
    Average Drawdown % 3.82 5.15 0.38 | 11.62 16 | 26 Average
    Sharpe Ratio 0.53 0.38 -0.55 | 0.91 6 | 26 Very Good
    Sterling Ratio 0.59 0.51 0.33 | 0.81 4 | 26 Very Good
    Sortino Ratio 0.23 0.18 -0.19 | 0.46 8 | 26 Good
    Jensen Alpha % 0.82 0.09 -3.62 | 6.21 6 | 26 Very Good
    Treynor Ratio 0.10 0.07 -0.19 | 0.19 7 | 26 Very Good
    Modigliani Square Measure % 8.07 5.75 -8.49 | 14.04 6 | 26 Very Good
    Alpha % -5.05 -3.60 -9.58 | 8.09 15 | 26 Average
    Return data last Updated On : Sept. 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    28-09-2026 49.636 53.9209
    25-09-2026 49.98 54.2925
    24-09-2026 49.9718 54.2829
    23-09-2026 50.2765 54.6132
    22-09-2026 50.1675 54.4941
    21-09-2026 50.1693 54.4953
    18-09-2026 50.1262 54.4464
    17-09-2026 49.9992 54.3078
    16-09-2026 49.9345 54.2369
    15-09-2026 49.88 54.1769
    11-09-2026 50.1976 54.5191
    10-09-2026 50.2831 54.6113
    09-09-2026 50.2804 54.6076
    08-09-2026 50.4747 54.818
    07-09-2026 50.5446 54.8932
    04-09-2026 50.6296 54.9835
    03-09-2026 50.6028 54.9536
    02-09-2026 50.5495 54.895
    01-09-2026 50.6846 55.0411
    31-08-2026 50.7025 55.0598
    28-08-2026 50.8036 55.167

    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.