Tata Childrens Fund vs UTI Retirement Fund
Tata Childrens Fund and UTI Retirement Fund are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +5.07% vs +9.21%, 5-year CAGR +6.02% vs +8.59%, volatility 15.42% vs 6.82%, maximum drawdown −33.83% vs −18.93%. Their portfolios overlap by 14.7% (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
| Tata Childrens | UTI Retirement | |
|---|---|---|
| Fund house | Tata Mutual Fund | UTI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹61.8693 | ₹54.9877 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 2 Jan 2013 | 2 Jan 2013 |
| Track record | 13.8 yrs | 13.8 yrs |
| Fund size (AUM) | ₹313 Cr | — |
| Securities held | 51 | 122 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Tata Childrens | UTI Retirement | |
|---|---|---|
| 1 month | +3.48% | +2.10% |
| 3 months | −2.87% | −1.02% |
| 6 months | −2.97% | +1.21% |
| 1 year | −9.83% | +1.08% |
| 3 years (CAGR) | +5.07% | +9.21% |
| 5 years (CAGR) | +6.02% | +8.59% |
| 7 years (CAGR) | +12.12% | +11.11% |
| 10 years (CAGR) | +10.27% | +9.14% |
| Since launch (CAGR) | +10.83% | +8.31% |
| SIP return (XIRR, 5 years) ⓘ | +4.26% | +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
| Tata Childrens | UTI Retirement | |
|---|---|---|
| 2026 (year to date) | −9.48% | −0.23% |
| 2025 | +1.89% | +6.70% |
| 2024 | +13.11% | +15.22% |
| 2023 | +27.44% | +17.44% |
| 2022 | +1.59% | +6.03% |
| 2021 | +34.32% | +19.32% |
Risk
| Tata Childrens | UTI Retirement | |
|---|---|---|
| Volatility (annualised) ⓘ | 15.42% | 6.82% |
| Downside volatility ⓘ | 11.35% | 4.93% |
| Sharpe ratio ⓘ | -0.09 | 0.40 |
| Sortino ratio ⓘ | -0.12 | 0.55 |
| Maximum drawdown ⓘ | −33.83% | −18.93% |
| Recovery from that fall | 7 months | 5 months |
| Current fall from peak | −15.12% | −1.14% |
| Rolling 1-year return: worst | −29.07% | −17.67% |
| Rolling 1-year return: median | +9.58% | +8.84% |
| Rolling 1-year return: best | +92.70% | +40.78% |
| Share of 1-year periods with a loss | 21.92% | 13.89% |
Against each fund's benchmark
| Tata Childrens | UTI Retirement | |
|---|---|---|
| Beta ⓘ | 1.00 | 0.45 |
| Alpha (Jensen's, annualised) ⓘ | −4.33% | +0.66% |
| R² ⓘ | 92.20 | 93.37 |
| Upside capture | 87.26% | 59.35% |
| Downside capture | 108.46% | 39.79% |
| Tracking error | 4.32% | 8.37% |
| Information ratio | -1.08 | 0.00 |
| Treynor ratio | -2.71 | 4.38 |
Portfolio
Asset mix
| Tata Childrens | UTI Retirement | |
|---|---|---|
| Equity | 97.94% | 36.68% |
| Cash & equivalents | 2.06% | 14.41% |
| Debt | 0.00% | 47.01% |
| REITs / InvITs | 0.00% | 1.25% |
| ETF Units | 0.00% | 0.59% |
Market-cap split (share of fund assets)
| Tata Childrens | UTI Retirement | |
|---|---|---|
| Large Cap | 44.34% | 24.33% |
| Mid Cap | 16.50% | 6.06% |
| Small Cap | 35.50% | 6.17% |
| Unclassified | 1.60% | 0.12% |
Concentration
| Tata Childrens | UTI Retirement | |
|---|---|---|
| Top 10 holdings | 39.33% | 28.13% |
| Effective number of stocks ⓘ | 38.8 | 72.4 |
| Securities held | 51 | 122 |
Portfolio overlap: 14.7%
10 companies are held by both funds; by weight, 14.7% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | Tata Childrens | UTI Retirement |
|---|---|---|
| HDFC Bank Limited | 5.88% | 3.19% |
| ICICI Bank Limited | 4.22% | 2.96% |
| Reliance Industries Limited | 4.92% | 2.12% |
| Infosys Limited | 2.01% | 1.96% |
| Larsen & Toubro Limited | 3.60% | 1.53% |
| ITC Limited | 1.89% | 1.33% |
| Indus Towers Limited | 1.01% | 0.63% |
| IndusInd Bank Limited | 1.44% | 0.37% |
| Dr. Reddy's Laboratories Limited | 2.36% | 0.32% |
| JK Paper Limited | 1.26% | 0.24% |
Top 10 holdings
Tata Childrens
- HDFC Bank Limited5.88%
- Reliance Industries Limited4.92%
- ICICI Bank Limited4.22%
- Kotak Mahindra Bank Limited3.99%
- Titan Company Limited3.80%
- City Union Bank Limited3.65%
- Marico Limited3.64%
- Larsen & Toubro Limited3.60%
- Axis Bank Limited3.23%
- Hindustan Unilever Ltd.2.40%
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
| Tata Childrens | UTI Retirement | |
|---|---|---|
| Banks | 25.47% | 8.09% |
| Sovereign | 0.00% | 16.20% |
| Consumer Durables | 9.22% | 0.40% |
| CRISIL AAA | 0.00% | 8.11% |
| SOV | 0.00% | 7.08% |
| Petroleum Products | 6.20% | 2.12% |
| Agricultural Food & other Products | 5.76% | 0.00% |
| Healthcare Services | 5.02% | 0.00% |
| CRISIL-AAA | 0.00% | 4.87% |
| Finance | 4.46% | 1.62% |
| Diversified FMCG | 4.29% | 1.33% |
| CRISIL A1+ | 0.00% | 4.25% |
| Auto Components | 4.14% | 0.00% |
| IT - Software | 3.84% | 3.13% |
Questions people ask
What is the difference between Tata Childrens and UTI Retirement returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return −9.83% vs +1.08%; 3-year CAGR +5.07% vs +9.21%; 5-year CAGR +6.02% vs +8.59%; 10-year CAGR +10.27% vs +9.14%. Past returns do not indicate future returns.
How do Tata Childrens and UTI Retirement compare on risk?
Volatility (36 monthly returns, annualised) 15.42% vs 6.82%; Sharpe ratio -0.09 vs 0.40; Sortino ratio -0.12 vs 0.55; maximum drawdown −33.83% vs −18.93%; beta 1.00 vs 0.45.
How much do Tata Childrens and UTI Retirement overlap?
By weight, 14.7% of the two portfolios is invested in the same companies; 10 stocks are held by both, the largest shared positions being HDFC Bank Limited, ICICI Bank Limited, Reliance Industries Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Tata Childrens and UTI Retirement?
Tata Childrens: large cap 44.3%, mid cap 16.5%, small cap 35.5%. 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.