UTI Retirement Fund- Direct Plan

As on 31 Jul 2026

UTI Retirement Fund- Direct Plan

Q: What kind of returns does UTI Retirement Fund- Direct Plan provide?

UTI Retirement Fund- Direct Plan aims to generate capital appreciation by investing mainly in public sector undertakings (PSUs). Historically, its returns have often shown moderate to high growth rate depending on market conditions. UTI Retirement Fund- Direct Plan had a return of 2.93% over the past 1 year.

Q: How much expense ratio is charged by UTI Retirement Fund- Direct Plan?

The expense ratio for UTI Retirement Fund- Direct Plan, or any other mutual fund, is the yearly fee you pay for managing your investments. As of 31 Jul 2026, the expense ratio charged by UTI Retirement Fund- Direct Plan is typically around 0.39 %. This fee covers fund management, administrative, and other operational costs. It is relatively low compared to actively managed funds, reflecting its direct growth option.

Q: What is the AUM of UTI Retirement Fund- Direct Plan?

As of 31 Jul 2026, the Assets Under Management (AUM) of UTI Retirement Fund- Direct Plan is approximately ₹4698.3339 crore. The AUM can fluctuate based on market conditions and investor activity. It indicates the total value of assets managed by the fund.

Q: What is the NAV of UTI Retirement Fund- Direct Plan?

The Net Asset Value (NAV) of UTI Retirement Fund- Direct Plan is updated daily and reflects the per-unit value of the fund's assets. As of 31 Jul 2026 , the NAV is around undefined per unit, but this value might change based on market performance and fund holdings.

Q: What is the PE and PB ratio of UTI Retirement Fund- Direct Plan?

The PE ratio for UTI Retirement Fund- Direct Plan is 8.84 and the PB ratio is 4.73. The PE ratio is calculated by dividing the market price by the earnings per share, whereas the PB ratio is calculated by dividing the stock price by the book value per share.

Q: What is the exit load of UTI Retirement Fund- Direct Plan?

The exit load for UTI Retirement Fund- Direct Plan is 0% if units are redeemed within 30 days from the date of investment. After this period, no exit load is applicable. This fee is charged to discourage short-term trading and ensure long-term investment.

Solution Oriented

NAV

₹ 55.20

CAGR (3 Years)

9.72%

AUM (Cr)

₹ 4,698.33

Risk

High Risk

About UTI Retirement Fund- Direct Plan

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

Breakdown of this Fund

Agro Chemicals

0.48%

Air Transport Service

1.03%

Automobile

4.44%

Banks

15.04%

Chemicals

1.13%

Computer Education

0.91%

Consumer Durables

0.93%

Crude Oil & Natural Gas

0.78%

Debt Others

40.77%

Diversified

0.81%

E-Commerce/App based Aggregator

0.90%

Entertainment

0.66%

Finance

3.61%

Fixed Deposits

0.36%

FMCG

1.56%

Govt. Securities

46.53%

Hotels & Restaurants

0.56%

Infrastructure Developers & Operators

3.91%

Insurance

2.63%

IT - Software

6.83%

Logistics

0.79%

Mining & Mineral products

0.98%

Miscellaneous

1.00%

Mutual Fund Units

0.64%

Non Ferrous Metals

1.40%

Paper

0.76%

Pharmaceuticals

5.45%

Power Generation & Distribution

3.65%

Readymade Garments/ Apparells

0.28%

Realty

0.83%

Refineries

2.86%

Shipping

0.57%

Steel

0.06%

Stock/ Commodity Brokers

0.81%

Telecom Equipment & Infra Services

1.60%

Telecom-Service

2.31%

Textiles

1.91%

Tobacco Products

2.65%

Market Capitalization

Expense Ratio, Exit Load and Tax

Expense Ratio

0.39

Exit Load

(A) Less than One year - 1% (B) Greater than or equal to One year - Nil

Stamp Duty

0.005% (from July 1st, 2020)

Tax Implication

Returns are taxed at 20%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 12.5% on returns of Rs 1.25 lakh+ in a financial year.