Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
9.4%
0.12
0.14
0.43
1.69%
-30.0%
92.84
Nifty 100 benchmark
17.1%
0.23
0.32
—
—
-37.0%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
82 months this scheme and its benchmark share.
Growth of ₹100 since launch
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
957
-17.9%
4.8%
35.6%
32%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
How it behaves against its benchmark
Up capture
Down capture
Correlation
Tracking error
Information ratio
Treynor
54%
32%
0.96
10.2%
-0.17
9.88
Up capture is how much of the benchmark's gain this scheme kept in the months the
benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it
on the up side is the combination every fund is trying for and few reach.
Measured over the 82 months this scheme and
Nifty 100 share.
UTI Retirement Fund
Regular Plan · Growth
Allocation
By asset
Debt
46.45%
Equity
37.22%
Cash & Equivalents
14.81%
REITs / InvITs
1.24%
ETF Units
0.22%
By market cap
Large Cap
24.95%
Mid Cap
6.79%
Small Cap
6.29%
Unclassified
47.10%
Concentration
Number of stocks
121
Top 5 stocks
19.21%
Top 10 stocks
28.39%
Top 20 stocks
40.25%
Lines in the filing
123
Largest holding
6.80%
Largest sector
Not Applicable —
Effective stocks
69.9
Sectors held
43
Cash
14.81%
Effective stocks is what the concentration works out to: a fund holding
121 names but most of its money in a few
behaves like a fund of 70. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
SOV
26.66%
Cash & Equivalents
14.81%
CRISIL-AAA
12.92%
Banks
8.39%
IT - Software
3.73%
-
3.16%
Pharmaceuticals & Biotechnology
2.56%
Petroleum Products
2.14%
Construction
2.01%
Automobiles
1.82%
Finance
1.77%
Insurance
1.70%
Telecom - Services
1.61%
Power
1.41%
Transport Services
1.30%
Diversified FMCG
1.23%
ICRA-A1+
1.04%
Non - Ferrous Metals
0.93%
ICRA-AA+
0.78%
CRISIL-A1+
0.73%
UTI Retirement Fund
Regular Plan · Growth · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
NET CURRENT ASSETS
Unclassified
—
—
14.70%
2
07.18% GSEC MAT -24/07/2037
SOV
3,150,000,000
—
6.80%
3
EQ - ICICI BANK LTD
Banks
1,025,089
—
3.17%
4
EQ - HDFC BANK LIMITED
Banks
2,059,398
—
3.11%
5
7.24% GSEC MAT- 18/08/2055
SOV
1,500,000,000
—
3.07%
6
07.32% GSEC MAT -13/11/2030
SOV
1,400,000,000
—
3.06%
7
EQ - RELIANCE INDUSTRIES LTD.
Petroleum Products
786,015
—
2.14%
8
EQ - INFOSYS LTD.
IT - Software
887,536
—
2.14%
9
MF UNITS UTI - FLOATER FUND
-
476,260
—
1.70%
10
EQ - LARSEN & TOUBRO LTD.
Construction
186,774
—
1.61%
11
NCD POWER FINANCE CORPORATION LTD.
CRISIL-AAA
7,500
—
1.59%
12
6.28% GSEC MAT- 14/07/2032
SOV
750,000,000
—
1.56%
13
EQ - STATE BANK OF INDIA
Banks
633,513
—
1.43%
14
EQ - ITC LTD.
Diversified FMCG
2,254,721
—
1.23%
15
07.32% RAJASTHAN SGS Mat - 24/09/2035
SOV
570,000,000
—
1.19%
16
7.73% WEST BENGAL SGS Mat - 04/02/2043
SOV
525,870,000
—
1.12%
17
7.88% ANDHRA PRADESH SGS 25/03/2046
SOV
500,000,000
—
1.08%
18
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED
CRISIL-AAA
5,000
—
1.07%
19
NCD ADITYA BIRLA CAPITAL LTD
CRISIL-AAA
5,000
—
1.06%
20
7.66% KERALA SGS Mat - 18/02/2039
SOV
500,000,000
—
1.06%
21
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
CRISIL-AAA
5,000
—
1.06%
22
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
CRISIL-AAA
5,000
—
1.06%
23
NCD EXPORT IMPORT BANK OF INDIA
CRISIL-AAA
5,000
—
1.05%
24
6.92% G SEC MAT- 18/11/39
SOV
500,000,000
—
1.05%
25
CD - NABARD - 28/01/2027
ICRA-A1+
500,000,000
—
1.04%
26
6.82% ANDHRA SGS MAT -04/06/2036
SOV
500,000,000
—
1.00%
27
EQ - POWER GRID CORPORATION OF INDI
Power
1,753,792
—
0.98%
28
EQ - BHARTI AIRTEL LTD.
Telecom - Services
252,578
—
0.97%
29
EQ - SHRIRAM FINANCE LTD
Finance
407,478
—
0.96%
30
7.10% GSEC - MAT - 08/04/2034
SOV
433,500,000
—
0.94%
UTI Retirement Fund
Regular Plan · Growth · where the money sits
What the manager did last month
Between the filings of 31 Jul 2026 and 31 Aug 2026.
A position grows because the manager bought or because the price rose; only the share count separates them.
Bought
Sold
New positions
Sold out of
Price move of holdings
₹0 cr
₹0 cr
2
7
—
Stock
Shares traded
Shares
Price
Value ₹ cr
New position
EQ - OIL & NATURAL GAS CORPORATION
373,000
entered
—
0.0
EQ - DR REDDYS LABORATORIES LTD.
28,888
entered
—
0.0
Sold out of
EQ - COLGATE PALMOLIVE INDIA LTD.
62,205
exited
—
0.0
EQ - REC LTD
190,555
exited
—
0.0
EQ - BIOCON LTD.
161,077
exited
—
0.0
EQ - MPHASIS LTD
1,517
exited
—
0.0
EQ - VEDANTA POWER LTD.
67,777
exited
—
0.0
MF UNITS UTI - Nifty 50 ETF ETF
200,000
exited
—
0.0
REIT- MINDSPACE BUSINESS PARKS
80,739
exited
—
0.0
Not equity
Previous filing
This filing
Change
Cash, repo and TREPS
₹0 cr
₹0 cr
+₹0 cr
The list above is stocks and fund units. Treasury bills, repo and money-market
lines roll over every month by design — they are not decisions, so they are totalled here rather
than listed as activity.
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹722,160
₹122,160
7.35%
XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has
been invested for a different length of time.
Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 27 Sep 2026.
