About UTI Retirement Fund
UTI Retirement Fund is a retirement fund managed by UTI Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
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 market instruments and equity & equity related instruments. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.
The scheme's stated objective, as published by UTI Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Growth | ₹54.4464 | 120766 |
| Regular | Growth | ₹50.1262 | 100682 |
Frequently asked questions
What is the NAV of UTI Retirement Fund today?
The NAV of UTI Retirement Fund (Direct plan, Growth) is ₹54.4464 and the Regular plan NAV is ₹50.1262, as of 18 Sept 2026.
What returns has UTI Retirement Fund given?
Over the last year the Direct plan returned 0.93%, and 8.47% a year over 3 years and 8.97% a year over 5 years. That places it 14 of 26 funds in its category over 3 years. Past returns do not guarantee future returns.
What is the expense ratio of UTI Retirement Fund?
The Direct plan charges 1.1% a year, as disclosed on 31 Jul 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
What is the minimum SIP amount in UTI Retirement Fund?
You can start a monthly SIP with ₹500, or invest a lump sum of ₹500 or more.
How much has UTI Retirement Fund fallen in the past?
Its deepest fall was 18.9% from 3 Jun 2019 to 23 Mar 2020. Of every one-year stretch in its history, 86% ended in a gain.
Which category does UTI Retirement Fund belong to?
It is a Retirement Fund from UTI Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from UTI Retirement Fund taxed?
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.