Should I invest in UTI - Retirement Benefit Pension Fund?

We don't give personal investment advice. UTI - Retirement Benefit Pension Fund is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.4%. 5-year CAGR: 9.15%.

UTI

UTI - Retirement Benefit Pension Fund

Latest NAV

₹49.3209

As of

10 Jun 2026

4,965 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.56%	+0.47%	+0.09	4 / 9	Q2
1W	+0.17%	-0.02%	+0.19	6 / 9	Q3
2W	-0.38%	-0.70%	+0.31	6 / 9	Q3
1M	-0.50%	-0.65%	+0.15	6 / 9	Q3
3M	-0.97%	+0.27%	-1.24	9 / 9	Q4
6M	-2.16%	-2.59%	+0.43	6 / 9	Q3
YTD	-2.99%	-2.89%	-0.11	6 / 9	Q3
1Y	-0.82%	-1.25%	+0.44	5 / 9	Q3
2Y	+4.46%	+2.79%	+1.68	5 / 9	Q3
3Y	+9.45%	+9.26%	+0.19	4 / 9	Q2
4Y	+10.21%	+9.62%	+0.59	3 / 9	Q2
5Y	+9.15%	+8.11%	+1.04	3 / 9	Q2
7Y	+9.85%	+8.13%	+1.72	3 / 9	Q2
10Y	+8.92%	+5.72%	+3.20	1 / 5	Q1
Inception	+4.59%	+8.00%	-3.41	8 / 9	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-2.99%	-2.89%	-0.11	6 / 9
2025	+5.94%	+4.73%	+1.21	4 / 9
2024	+14.39%	+12.35%	+2.03	3 / 9
2023	+16.44%	+17.85%	-1.41	4 / 9
2022	+5.28%	+1.57%	+3.71	1 / 9
2021	+18.19%	+16.36%	+1.83	4 / 9
2020	+12.16%	+7.53%	+4.62	2 / 9
2019	-1.07%	+4.07%	-5.13	5 / 5
2018	-1.09%	-1.95%	+0.86	3 / 5
2017	+16.70%	+14.67%	+2.03	2 / 5
2016	+9.94%	+5.67%	+4.27	2 / 5

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+5.38%

234 windows

min -16.8% · max 32.8%

67% positive

3-Year rolling

+5.33%

210 windows

min -6.8% · max 16.7%

79% positive

5-Year rolling

+5.12%

186 windows

min -3.9% · max 16.1%

74% positive

7-Year rolling

+5.07%

161 windows

min -2.6% · max 10.5%

88% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

5.55%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

0.98

Downside-only deviation

Max drawdown

-6.39%

Jan 2026 → Mar 2026

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹22.8247	10 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.6469	10 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹30.0800	10 Jun 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹12.7470	10 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹19.1640	10 Jun 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹17.9861	10 Jun 2026
Templeton India Pension Plan-Dividend	Franklin Templeton	₹16.2701	10 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.4248	10 Jun 2026
UTI Retirement Fund- Direct Plan	UTI	₹53.4940	10 Jun 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹11.9200	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹49.3209
9 Jun 2026	₹49.4452
8 Jun 2026	₹49.1694
5 Jun 2026	₹49.3551
4 Jun 2026	₹49.2936
3 Jun 2026	₹49.2493
2 Jun 2026	₹49.3623
1 Jun 2026	₹49.2681
29 May 2026	₹49.3847
27 May 2026	₹49.5884

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 10 Jun 2026, the NAV of UTI - Retirement Benefit Pension Fund is ₹49.3209. It's a Retirement Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Retirement Benefit Pension Fund has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - Retirement Benefit Pension Fund is managed by UTI. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Retirement Benefit Pension Fund has delivered a absolute return of -0.82% — +0.44 pp ahead of the Retirement Fund category average of -1.25%. The fund ranks #5 of 9 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Retirement Benefit Pension Fund has delivered a CAGR of 9.45% — +0.19 pp ahead of the Retirement Fund category average of 9.26%. The fund ranks #4 of 9 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Retirement Benefit Pension Fund has delivered a CAGR of 9.15% — +1.04 pp ahead of the Retirement Fund category average of 8.11%. The fund ranks #3 of 9 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Retirement Benefit Pension Fund exactly 10 years ago would be worth approximately ₹234,931 today — a multiplier of 2.35×, based on the 10-year CAGR of 8.92%. The category average over the same window would have grown ₹1 lakh to ₹174,384.

A ₹10,000 monthly SIP in UTI - Retirement Benefit Pension Fund over the last 5 years — total invested ₹600,000 — would be worth ₹732,371 today. That's an XIRR (money-weighted annualised return) of 7.90%.

A ₹10,000 monthly SIP for 10 years in UTI - Retirement Benefit Pension Fund = ₹1,200,000 invested. It would currently be worth ₹1,908,662 (multiplier 1.59×). XIRR: 8.97%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Retirement Benefit Pension Fund ranks #3 out of 9 funds in the Retirement Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.11%; this fund delivered 9.15%.

The worst peak-to-trough decline UTI - Retirement Benefit Pension Fund has experienced over the last 5-year window is 6.39% — its NAV fell from a high on 02 Jan 2026 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI - Retirement Benefit Pension Fund averaged 5.12% (best 16.09%, worst -3.93%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is 0.44 — weak risk-adjusted performance.

In calendar year 2025, UTI - Retirement Benefit Pension Fund returned 5.94% — beating the Retirement Fund category average of 4.73% by 1.21 pp. It ranked #4 of 9 in its category that year.

UTI - Retirement Benefit Pension Fund doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI - Retirement Benefit Pension Fund is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.4%. 5-year CAGR: 9.15%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.