ICICI Prudential Children's Fund vs UTI Retirement Fund
ICICI Prudential Children's Fund and UTI Retirement Fund are both Retirement Funds. As of 4 Nov 2026 (Direct plan, Growth option): 3-year CAGR +12.42% vs +8.85%, 5-year CAGR +10.87% vs +8.38%, volatility 14.50% vs 6.74%, maximum drawdown −31.10% vs −18.93%. Their portfolios overlap by 10.8% (10 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | UTI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹352.5600 | ₹54.4271 |
| NAV date | 4 Nov 2026 | 4 Nov 2026 |
| Launched (first NAV) | 2 Jan 2013 | 2 Jan 2013 |
| Track record | 13.8 yrs | 13.8 yrs |
| Fund size (AUM) | ₹1,376 Cr | — |
| Securities held | 69 | 122 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| 1 month | +1.10% | +1.31% |
| 3 months | −4.48% | −2.01% |
| 6 months | −3.71% | +0.27% |
| 1 year | −3.65% | +0.05% |
| 3 years (CAGR) | +12.42% | +8.85% |
| 5 years (CAGR) | +10.87% | +8.38% |
| 7 years (CAGR) | +13.13% | +10.91% |
| 10 years (CAGR) | +11.42% | +8.98% |
| Since launch (CAGR) | +12.97% | +8.23% |
| SIP return (XIRR, 5 years) ⓘ | +9.94% | +7.67% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| 2026 (year to date) | −3.58% | −1.25% |
| 2025 | +9.05% | +6.70% |
| 2024 | +17.85% | +15.22% |
| 2023 | +30.08% | +17.44% |
| 2022 | +3.37% | +6.03% |
| 2021 | +25.67% | +19.32% |
Risk
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| Volatility (annualised) ⓘ | 14.50% | 6.74% |
| Downside volatility ⓘ | 9.74% | 4.93% |
| Sharpe ratio ⓘ | 0.41 | 0.35 |
| Sortino ratio ⓘ | 0.61 | 0.48 |
| Maximum drawdown ⓘ | −31.10% | −18.93% |
| Recovery from that fall | 8 months | 5 months |
| Current fall from peak | −4.85% | −2.15% |
| Rolling 1-year return: worst | −26.24% | −17.67% |
| Rolling 1-year return: median | +10.09% | +8.84% |
| Rolling 1-year return: best | +85.63% | +40.78% |
| Share of 1-year periods with a loss | 11.21% | 13.90% |
Against each fund's benchmark
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| Beta ⓘ | 0.96 | 0.45 |
| Alpha (Jensen's, annualised) ⓘ | +2.90% | +0.66% |
| R² ⓘ | 90.03 | 93.37 |
| Upside capture | 106.79% | 59.35% |
| Downside capture | 92.17% | 39.79% |
| Tracking error | 4.78% | 8.37% |
| Information ratio | 0.63 | 0.00 |
| Treynor ratio | 5.19 | 4.38 |
Portfolio
Asset mix
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| Equity | 79.95% | 36.68% |
| Debt | 13.08% | 47.01% |
| Cash & equivalents | 6.97% | 14.41% |
| REITs / InvITs | 0.00% | 1.25% |
| ETF Units | 0.00% | 0.59% |
Market-cap split (share of fund assets)
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| Large Cap | 47.03% | 24.33% |
| Mid Cap | 7.26% | 6.06% |
| Small Cap | 25.66% | 6.17% |
| Unclassified | 0.00% | 0.12% |
Concentration
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| Top 10 holdings | 40.96% | 28.13% |
| Effective number of stocks ⓘ | 38.5 | 72.4 |
| Securities held | 69 | 122 |
Portfolio overlap: 10.8%
10 companies are held by both funds; by weight, 10.8% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | ICICI Prudential Children's | UTI Retirement |
|---|---|---|
| HDFC Bank Limited | 6.44% | 3.19% |
| Reliance Industries Limited | 7.77% | 2.12% |
| ITC Limited | 2.48% | 1.33% |
| 6.94% Government of India (11/05/2036) | 1.07% | 1.08% |
| Bharti Airtel Limited | 3.12% | 0.93% |
| Mahindra & Mahindra Limited | 2.14% | 0.79% |
| Oil & Natural Gas Corporation Limited | 0.83% | 0.55% |
| Alembic Pharmaceuticals Limited | 0.84% | 0.41% |
| G R Infraprojects Limited | 0.53% | 0.38% |
| ICICI Prudential Life Insurance Company Ltd. | 0.05% | 0.30% |
Top 10 holdings
ICICI Prudential Children's
- Reliance Industries Limited7.77%
- HDFC Bank Limited6.44%
- Bajaj Holdings & Investment Ltd.4.31%
- Atul Ltd.4.25%
- Kotak Mahindra Bank Limited4.24%
- Vedanta Ltd.3.64%
- Bharti Airtel Limited3.12%
- ITC Limited2.48%
- Cholamandalam Investment and Finance Company Ltd2.36%
- NTPC Limited2.35%
UTI Retirement
- 7.18% Government of India (24/07/2037)6.20%
- HDFC Bank Limited3.19%
- 7.32% Government of India3.11%
- 7.24% Government of India (18/08/2055)3.11%
- ICICI Bank Limited2.96%
- Reliance Industries Limited2.12%
- Export Import Bank of India (12/03/2027)2.12%
- Infosys Limited1.96%
- MF UNITS UTI - FLOATER FUND1.75%
- NCD POWER FINANCE CORPORATION LTD.1.61%
Sector exposure
| ICICI Prudential Children's | UTI Retirement | |
|---|---|---|
| Sovereign | 4.45% | 16.20% |
| Banks | 12.23% | 8.09% |
| Petroleum Products | 10.20% | 2.12% |
| Finance | 9.84% | 1.62% |
| CRISIL AAA | 1.70% | 8.11% |
| Chemicals & Petrochemicals | 8.06% | 0.62% |
| SOV | 0.00% | 7.08% |
| Capital Markets | 6.17% | 0.52% |
| CRISIL-AAA | 0.00% | 4.87% |
| Industrial Products | 4.58% | 0.11% |
| CRISIL A1+ | 0.00% | 4.25% |
| ICRA AA+ | 4.01% | 0.78% |
| Automobiles | 4.00% | 1.46% |
| IT - Software | 0.00% | 3.13% |
Questions people ask
What is the difference between ICICI Prudential Children's and UTI Retirement returns?
As of 4 Nov 2026, Direct plan Growth option: 1-year return −3.65% vs +0.05%; 3-year CAGR +12.42% vs +8.85%; 5-year CAGR +10.87% vs +8.38%; 10-year CAGR +11.42% vs +8.98%. Past returns do not indicate future returns.
How do ICICI Prudential Children's and UTI Retirement compare on risk?
Volatility (36 monthly returns, annualised) 14.50% vs 6.74%; Sharpe ratio 0.41 vs 0.35; Sortino ratio 0.61 vs 0.48; maximum drawdown −31.10% vs −18.93%; beta 0.96 vs 0.45.
How much do ICICI Prudential Children's and UTI Retirement overlap?
By weight, 10.8% of the two portfolios is invested in the same companies; 10 stocks are held by both, the largest shared positions being HDFC Bank Limited, Reliance Industries Limited, ITC Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of ICICI Prudential Children's and UTI Retirement?
ICICI Prudential Children's: large cap 47.0%, mid cap 7.3%, small cap 25.7%. UTI Retirement: large cap 24.3%, mid cap 6.1%, small cap 6.2% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 4 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.