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Two funds walk into a table. Only the numbers talk.

UTI Retirement Fund vs ICICI Prudential Retirement Fund Pure Equity Plan

Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.

  • UTI Retirement Fund
  • ICICI Prudential Retirement Fund Pure Equity Plan

The short version

Who comes out ahead on each measure, over the 5 years all of them have been around.

  • Grew faster

    BICICI Prudential Retirement Fund Pure Equity Plan

    ICICI Prudential Retirement Fund Pure Equity Plan returned 16.2% a year over 5 years, against 8.6% for UTI Retirement Fund. ₹1 lakh invested 5 years ago would be about ₹2.12 Lakh today, against ₹1.51 Lakh.

  • Smoother ride

    AUTI Retirement Fund

    UTI Retirement Fund swung the least: about 5.9% a year either way, against 16.3% for ICICI Prudential Retirement Fund Pure Equity Plan. Lower means fewer scary days.

  • Fell less in a crash

    AUTI Retirement Fund

    At its worst, UTI Retirement Fund fell 18.9% from its peak, against 37.2% for ICICI Prudential Retirement Fund Pure Equity Plan. On ₹1 lakh, that's a dip to ₹62,829 at the bottom for ICICI Prudential Retirement Fund Pure Equity Plan. Could you have held on?

  • More consistent

    BICICI Prudential Retirement Fund Pure Equity Plan

    Pick any day in the past and hold for a year: ICICI Prudential Retirement Fund Pure Equity Plan ended up in profit 89% of the time, against 86% for UTI Retirement Fund.

  • Costs less

    BICICI Prudential Retirement Fund Pure Equity Plan

    ICICI Prudential Retirement Fund Pure Equity Plan charges 0.89% a year, against 1.16% for UTI Retirement Fund. On ₹1 lakh that's ₹890 a year against ₹1,160, taken quietly from the NAV.

What your money would have become

The same amount, put into each fund on the same day.

₹10k₹21.6kNov 2021Nov 2026

The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.

  • AUTI Retirement Fund₹15,218 from ₹10,000(8.8% a year)
  • BICICI Prudential Retirement Fund Pure Equity Plan₹21,851 from ₹10,000(17% a year)

A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.

Strengths and watch-outs

Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.

AUTI Retirement Fund

  • Strength: Beat a 5-year SBI FD: 8.6% a year over 5 years, against 6.05%
  • Strength: Swings less than most funds in its category
  • Watch out: Money is locked in for 5 years

BICICI Prudential Retirement Fund Pure Equity Plan

  • Strength: Ahead of its category: 16.2% a year over 5 years, against a category average of 8.9%
  • Strength: In the top quarter of its category over 5 years (#1 of 25)
  • Strength: Beat a 5-year SBI FD: 16.2% a year over 5 years, against 6.05%
  • Watch out: Swings more than most funds in its category
  • Watch out: Fell harder than its category in the worst crash
  • Watch out: Money is locked in for 5 years

All the numbers

The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.

UTI Retirement Fund compared with ICICI Prudential Retirement Fund Pure Equity Plan
MeasureAUTI Retirement FundBICICI Prudential Retirement Fund Pure Equity Plan
ReturnsHow much the fund grew. Beyond a year, this is per year (annualised).
1 yearLast 12 months, the most noisy figure1.2%#22 of 29 · avg 3%4.1%Best#9 of 29 · avg 3%
3 yearsPer year, over a full market mood swing9.2%#16 of 27 · avg 10.6%20.3%Best#1 of 27 · avg 10.6%
5 yearsPer year, the fairest single test8.6%#12 of 25 · avg 8.9%16.2%Best#1 of 25 · avg 8.9%
10 yearsPer year, across bull and bear markets9.2%#6 of 10 · avg 11%–
RiskHow bumpy the ride was. This is what decides whether you stay invested.
Ups and downsVolatility: how far it swings in a typical year. Lower is calmer5.9%Bestcategory avg 9.2%16.3%category avg 9.2%
Worst fallThe biggest drop from a peak in 10 years. Lower is better−18.9%Bestcategory avg −18.4%−37.2%category avg −18.4%
Best 12 monthsIts strongest year40.8%91.2%Best
Worst 12 monthsIts weakest year-17.7%Best-32.6%
Odds of a gainShare of all 1-year holding periods that ended in profit86%89%Best
Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not.
Expense ratioYearly fee. Lower keeps more for you1.16%0.89%Best
Fund sizeMoney managed (AUM). Neither better nor worse₹4,578 Cr₹2,106 Cr
Minimum SIPSmallest monthly amount₹500₹100Best
Lock-inTime before you can withdraw5 years5 years
What it holdsWhere the money sits. Equity is shares, debt is bonds, cash is waiting to be invested.
In sharesEquity–93.8%
In cashNot yet invested–6.2%
HoldingsNumber of investments–93

“Best” is not a recommendation: a fund that returned more usually took more risk to do it.

Top 10 holdings

Marked Both where another fund here holds it too.

AUTI Retirement Fund

Holdings are not available for this fund yet.

BICICI Prudential Retirement Fund Pure Equity Plan

  • HDFC Bank Ltd5.3%
  • Reliance Industries Ltd4.4%
  • Hindustan Unilever Ltd3.8%
  • Multi Commodity Exchange Of India Ltd2.9%
  • Bharti Airtel Ltd2.7%
  • ICICI Bank Ltd2.5%
  • Britannia Industries Ltd2.4%
  • Avenue Supermarts Ltd2.3%
  • Mahindra & Mahindra Ltd2.3%
  • United Spirits Ltd2%

As on 31 Jul 2026

Which one fits you?

There is no best fund, only a better fit for what you need the money to do.

AUTI Retirement Fund

Might suit you if…

  • a smoother ride matters more to you than the top return
  • you want the section 80C tax deduction and can leave the money for 5 years

BICICI Prudential Retirement Fund Pure Equity Plan

Might suit you if…

  • you want the stronger long-run growth and can sit through sharper falls
  • you may need the money at short notice and want better odds of being in profit
  • you care about keeping costs low, which adds up over decades
  • you want the section 80C tax deduction and can leave the money for 5 years