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UTI Retirement Fund- Direct Plan

UTI · Scheme 120766

₹55.33▼ 0.23%NAV · 2026-09-18
55
Average FundScore
Start SIP
AUM
₹4,725 cr
Expense ratio
1.08%
3Y CAGR
10.0%
Risk level
Moderate
Min SIP
₹500
Benchmark
Nifty 500 TRI
Fund manager: V Srivatsa, Amandeep ChopraExit load: Exit load of 1%, if redeemed within 1 year.
Average · 55/100

Middle-of-the-pack — compare it against better-scored peers.

🎯 Best held for the long term (5+ years) as part of a diversified portfolio.

📈 Why it could do well

  • ✓Protects capital well — worst-ever fall was only 19%.
  • ✓Positive 3Y windows: 98% of rolling 3Y windows positive
  • ✓Return stability: rolling-return std 4.0%
  • ✓Volatility: 7% annualised

📉 What could drag it down

  • •Weak risk-adjusted returns (Sharpe 0.29) — took on risk without enough payoff.
  • •3Y CAGR vs category: -0.9% vs category avg
  • •10Y CAGR vs category: -1.2% vs category avg

FundScore breakdown

55/100 · Average
How it works →
36
Returns
Weak
64
Consistency
Decent
28
Risk-adjusted
Weak
84
Downside protection
Excellent
71
Cost efficiency
Strong
50
Portfolio quality
Average

Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.

SIP return calculator

Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.