LIC MF Children's Fund vs UTI Retirement Fund
LIC MF Children's Fund and UTI Retirement Fund are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +8.87% vs +9.21%, 5-year CAGR +7.29% vs +8.59%, volatility 15.29% vs 6.82%, maximum drawdown −31.22% vs −18.93%. Their portfolios overlap by 4.6% (6 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
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| Fund house | LIC Mutual Fund | UTI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹37.5089 | ₹54.9877 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 16 Jan 2013 | 2 Jan 2013 |
| Track record | 13.8 yrs | 13.8 yrs |
| Fund size (AUM) | ₹16 Cr | — |
| Securities held | 35 | 122 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| 1 month | −0.63% | +2.10% |
| 3 months | −3.19% | −1.02% |
| 6 months | +2.77% | +1.21% |
| 1 year | +1.64% | +1.08% |
| 3 years (CAGR) | +8.87% | +9.21% |
| 5 years (CAGR) | +7.29% | +8.59% |
| 7 years (CAGR) | +9.90% | +11.11% |
| 10 years (CAGR) | +8.57% | +9.14% |
| Since launch (CAGR) | +9.76% | +8.31% |
| SIP return (XIRR, 5 years) ⓘ | +7.61% | +8.07% |
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
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| 2026 (year to date) | +2.36% | −0.23% |
| 2025 | −4.19% | +6.70% |
| 2024 | +19.55% | +15.22% |
| 2023 | +22.65% | +17.44% |
| 2022 | −0.21% | +6.03% |
| 2021 | +16.67% | +19.32% |
Risk
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| Volatility (annualised) ⓘ | 15.29% | 6.82% |
| Downside volatility ⓘ | 11.45% | 4.93% |
| Sharpe ratio ⓘ | 0.16 | 0.40 |
| Sortino ratio ⓘ | 0.21 | 0.55 |
| Maximum drawdown ⓘ | −31.22% | −18.93% |
| Recovery from that fall | 7 months | 5 months |
| Current fall from peak | −5.40% | −1.14% |
| Rolling 1-year return: worst | −22.28% | −17.67% |
| Rolling 1-year return: median | +9.29% | +8.84% |
| Rolling 1-year return: best | +64.00% | +40.78% |
| Share of 1-year periods with a loss | 21.71% | 13.89% |
Against each fund's benchmark
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| Beta ⓘ | 0.91 | 0.45 |
| Alpha (Jensen's, annualised) ⓘ | −0.10% | +0.66% |
| R² ⓘ | 75.97 | 93.37 |
| Upside capture | 93.47% | 59.35% |
| Downside capture | 91.78% | 39.79% |
| Tracking error | 7.70% | 8.37% |
| Information ratio | -0.06 | 0.00 |
| Treynor ratio | 1.62 | 4.38 |
Portfolio
Asset mix
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| Equity | 78.62% | 36.68% |
| Cash & equivalents | 11.59% | 14.41% |
| Debt | 9.80% | 47.01% |
| REITs / InvITs | 0.00% | 1.25% |
| ETF Units | 0.00% | 0.59% |
Market-cap split (share of fund assets)
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| Large Cap | 34.87% | 24.33% |
| Mid Cap | 27.28% | 6.06% |
| Small Cap | 16.47% | 6.17% |
| Unclassified | 0.00% | 0.12% |
Concentration
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| Top 10 holdings | 40.41% | 28.13% |
| Effective number of stocks ⓘ | 32.7 | 72.4 |
| Securities held | 35 | 122 |
Portfolio overlap: 4.6%
6 companies are held by both funds; by weight, 4.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | LIC MF Children's | UTI Retirement |
|---|---|---|
| ICICI Bank Limited | 1.68% | 2.96% |
| Shriram Finance Limited | 2.25% | 0.83% |
| Mahindra & Mahindra Limited | 3.00% | 0.79% |
| Ajanta Pharma Limited | 5.17% | 0.53% |
| InterGlobe Aviation Limited | 1.26% | 0.53% |
| The Federal Bank Limited | 2.22% | 0.24% |
Top 10 holdings
LIC MF Children's
- 7.38% Government of India (20/06/2027)9.80%
- Ajanta Pharma Limited5.17%
- Bajaj Auto Limited3.45%
- Endurance Technologies Ltd.3.37%
- Lumax Auto Technologies Limited3.23%
- Torrent Pharmaceuticals Limited3.20%
- Multi Commodity Exchange of India Limited3.14%
- Cummins India Limited3.10%
- Mahindra & Mahindra Limited3.00%
- Persistent Systems Limited2.95%
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
| LIC MF Children's | UTI Retirement | |
|---|---|---|
| Sovereign | 9.80% | 16.20% |
| Pharmaceuticals & Biotechnology | 13.24% | 2.62% |
| Electrical Equipment | 8.22% | 0.00% |
| CRISIL AAA | 0.00% | 8.11% |
| Banks | 6.75% | 8.09% |
| SOV | 0.00% | 7.08% |
| Auto Components | 6.60% | 0.00% |
| Automobiles | 6.45% | 1.46% |
| Industrial Products | 6.44% | 0.11% |
| CRISIL-AAA | 0.00% | 4.87% |
| Finance | 4.32% | 1.62% |
| CRISIL A1+ | 0.00% | 4.25% |
| IT - Software | 4.17% | 3.13% |
| Consumer Durables | 3.98% | 0.40% |
Questions people ask
What is the difference between LIC MF Children's and UTI Retirement returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +1.64% vs +1.08%; 3-year CAGR +8.87% vs +9.21%; 5-year CAGR +7.29% vs +8.59%; 10-year CAGR +8.57% vs +9.14%. Past returns do not indicate future returns.
How do LIC MF Children's and UTI Retirement compare on risk?
Volatility (36 monthly returns, annualised) 15.29% vs 6.82%; Sharpe ratio 0.16 vs 0.40; Sortino ratio 0.21 vs 0.55; maximum drawdown −31.22% vs −18.93%; beta 0.91 vs 0.45.
How much do LIC MF Children's and UTI Retirement overlap?
By weight, 4.6% of the two portfolios is invested in the same companies; 6 stocks are held by both, the largest shared positions being ICICI Bank Limited, Shriram Finance Limited, Mahindra & Mahindra Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of LIC MF Children's and UTI Retirement?
LIC MF Children's: large cap 34.9%, mid cap 27.3%, small cap 16.5%. 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 5 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.