Should I invest in UTI Retirement Fund?

We don't give personal investment advice. UTI Retirement Fund- Direct Plan 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: 6.3%. 5-year CAGR: 10.13%.

UTI

UTI Retirement Fund- Direct Plan

Latest NAV

₹55.0672

As of

17 Jul 2026

3,331 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	+0.10%	+0.13%	-0.03	12 / 23	Q3
1W	-0.24%	-0.04%	-0.20	21 / 23	Q4
2W	+0.03%	-0.77%	+0.81	13 / 23	Q3
1M	+1.25%	+0.41%	+0.84	11 / 23	Q2
3M	+1.45%	+1.93%	-0.48	19 / 23	Q4
6M	+0.52%	+1.13%	-0.61	17 / 23	Q3
YTD	-0.15%	+0.09%	-0.24	16 / 23	Q3
1Y	+1.77%	+0.68%	+1.09	11 / 23	Q2
2Y	+4.36%	+2.40%	+1.95	9 / 23	Q2
3Y	+9.88%	+8.63%	+1.26	7 / 20	Q2
4Y	+11.15%	+9.86%	+1.29	7 / 19	Q2
5Y	+10.13%	+8.42%	+1.72	5 / 19	Q2
7Y	+11.19%	+8.89%	+2.30	4 / 12	Q2
10Y	+9.58%	+6.30%	+3.29	1 / 4	Q1
Inception	+8.51%	+9.90%	-1.39	14 / 23	Q3

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	-0.15%	+0.09%	-0.24	16 / 23
2025	+6.57%	+4.83%	+1.75	9 / 23
2024	+15.13%	+11.40%	+3.72	6 / 21
2023	+17.20%	+19.27%	-2.07	11 / 20
2022	+6.03%	+2.24%	+3.79	3 / 19
2021	+18.98%	+15.66%	+3.31	5 / 15
2020	+12.94%	+11.58%	+1.36	8 / 15
2019	-0.49%	+3.85%	-4.35	4 / 4
2018	-0.55%	-1.83%	+1.27	2 / 4
2017	+17.40%	+16.59%	+0.82	2 / 4
2016	+10.64%	+6.30%	+4.34	2 / 4

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

+10.02%

153 windows

min -13.4% · max 32.0%

86% positive

3-Year rolling

+9.97%

129 windows

min -0.7% · max 18.2%

98% positive

5-Year rolling

+9.60%

105 windows

min 3.3% · max 17.7%

100% positive

7-Year rolling

+9.13%

80 windows

min 3.8% · max 11.3%

100% 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

6.02%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

1.05

Downside-only deviation

Max drawdown

-6.27%

Jan 2026 → Mar 2026

% positive months

72.2%

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	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹20.6572	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹13.2420	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹20.4410	17 Jul 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹18.3984	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹18.7000	17 Jul 2026
Union Retirement Fund - Direct Plan - IDCW Option	Union	₹17.4400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹55.0672
16 Jul 2026	₹55.0100
15 Jul 2026	₹54.9767
14 Jul 2026	₹54.9322
13 Jul 2026	₹55.2372
10 Jul 2026	₹55.1976
9 Jul 2026	₹54.9300
8 Jul 2026	₹54.7486
7 Jul 2026	₹55.2174
6 Jul 2026	₹55.2180

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 17 Jul 2026, the NAV of UTI Retirement Fund- Direct Plan is ₹55.0672. It's a Retirement Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Retirement Fund- Direct Plan has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Retirement Fund- Direct Plan 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 Fund- Direct Plan has delivered a absolute return of 1.77% — +1.09 pp ahead of the Retirement Fund category average of 0.68%. The fund ranks #11 of 23 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Retirement Fund- Direct Plan has delivered a CAGR of 9.88% — +1.26 pp ahead of the Retirement Fund category average of 8.63%. The fund ranks #7 of 20 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Retirement Fund- Direct Plan has delivered a CAGR of 10.13% — +1.72 pp ahead of the Retirement Fund category average of 8.42%. The fund ranks #5 of 19 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Retirement Fund- Direct Plan exactly 10 years ago would be worth approximately ₹249,703 today — a multiplier of 2.50×, based on the 10-year CAGR of 9.58%. The category average over the same window would have grown ₹1 lakh to ₹184,158.

A ₹10,000 monthly SIP in UTI Retirement Fund- Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹756,822 today. That's an XIRR (money-weighted annualised return) of 9.22%.

A ₹10,000 monthly SIP for 10 years in UTI Retirement Fund- Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,014,973 (multiplier 1.68×). XIRR: 10.00%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Retirement Fund- Direct Plan ranks #5 out of 19 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 8.42%; this fund delivered 10.13%.

The worst peak-to-trough decline UTI Retirement Fund- Direct Plan has experienced over the last 5-year window is 6.27% — 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 Fund- Direct Plan averaged 9.60% (best 17.68%, worst 3.33%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.53 — reasonable risk-adjusted performance.

In calendar year 2025, UTI Retirement Fund- Direct Plan returned 6.57% — beating the Retirement Fund category average of 4.83% by 1.75 pp. It ranked #9 of 23 in its category that year.

UTI Retirement Fund- Direct Plan 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 Fund- Direct Plan 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: 6.3%. 5-year CAGR: 10.13%.

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