UTI Retirement Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Returns (NAV as on 28th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	21-Nov-25	10047.00	0.47%	-	0.43%	12/29
1 Month	28-Oct-25	10097.10	0.97%	-	0.40%	5/28
3 Month	28-Aug-25	10388.30	3.88%	-	4.01%	18/29
6 Month	28-May-25	10267.30	2.67%	-	4.19%	21/29
YTD	01-Jan-25	10637.50	6.38%	-	6.66%	13/29
1 Year	28-Nov-24	10692.40	6.92%	6.92%	6.86%	11/29
2 Year	28-Nov-23	12788.10	27.88%	13.07%	14.06%	16/27
3 Year	28-Nov-22	14329.70	43.30%	12.73%	13.85%	15/26
5 Year	27-Nov-20	18819.30	88.19%	13.46%	13.54%	10/21
10 Year	27-Nov-15	26793.60	167.94%	10.35%	11.22%	4/7
Since Inception	02-Jan-13	36550.30	265.50%	10.56%	12.91%	18/29

Returns Calculator

SIP Returns (NAV as on 28th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	28-Nov-24	12000	12599.8	5 %	9.35 %
2 Year	28-Nov-23	24000	26392.64	9.97 %	9.4 %
3 Year	28-Nov-22	36000	43004.78	19.46 %	11.87 %
5 Year	27-Nov-20	60000	81509.47	35.85 %	12.19 %
10 Year	27-Nov-15	120000	214288.23	78.57 %	11.15 %

SIP Calculator

Compare performance

Category	1 D	1 M	3 M	6 M	YTD	1 Y	2 Y	3 Y	5 Y
This Fund	-0.05%	0.97%	3.88%	2.67%	6.50%	6.92%	13.07%	12.73%	13.46%
Nifty 50	-0.05%	1.03%	6.95%	5.86%	10.82%	9.57%	14.76%	12.16%	15.09%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Index	-0.01%	0.75%	3.84%	4.31%	8.47%	8.46%	11.94%	10.89%	11.03%
Category Average	-0.09%	0.40%	4.01%	4.19%	6.66%	6.86%	14.06%	13.85%	13.54%
Category Rank	6/27	5/28	18/29	21/29	13/29	11/29	16/27	15/26	10/21
Best in Category	0.07%	1.55%	8.37%	11.82%	15.71%	15.22%	26.44%	25.80%	27.73%
Worst in Category	-0.21%	-1.04%	1.43%	0.11%	1.12%	2.15%	6.99%	6.62%	5.07%

quartely results (NAV as on 28th November, 2025)

Period

This Fund

Nifty 50

CRISIL Short Term Debt Hybrid 60+40 Index

Category Average

2025

10.36%

Q4 - 2025	2.86%	5.50%	--	2.78%
Q3 - 2025	-1.56%	-3.64%	--	-0.66%
Q2 - 2025	5.73%	10.15%	--	5.41%
Q1 - 2025	-0.79%	-2.43%	--	1.00%

2024

8.75%

Q4 - 2024	-1.86%	-8.34%	--	-1.73%
Q3 - 2024	5.62%	6.91%	--	3.60%
Q2 - 2024	6.18%	7.48%	--	6.10%
Q1 - 2024	3.68%	3.31%	--	2.04%

2023

19.48%

Q4 - 2023	5.92%	11.33%	--	5.67%
Q3 - 2023	3.58%	1.07%	--	2.60%
Q2 - 2023	7.16%	10.29%	--	5.90%
Q1 - 2023	-0.11%	-4.60%	--	-0.69%

2022

4.26%

3.24%

2.27%

Q4 - 2022	3.27%	7.76%	--	0.23%
Q3 - 2022	4.58%	8.52%	--	2.94%
Q2 - 2022	-3.33%	-10.70%	--	-3.81%
Q1 - 2022	0.74%	-0.91%	--	0.49%

2021

18.49%

23.79%

15.8%

Q4 - 2021	0.40%	-1.02%	--	0.93%
Q3 - 2021	7.07%	12.36%	--	4.53%
Q2 - 2021	5.75%	5.75%	--	3.63%
Q1 - 2021	4.26%	4.80%	--	1.47%

2020

12.94%

14.77%

12.45%

Q4 - 2020	10.04%	22.46%	--	7.98%
Q3 - 2020	4.21%	7.84%	--	1.95%
Q2 - 2020	12.07%	24.82%	--	7.36%
Q1 - 2020	-12.02%	-29.43%	--	-11.24%

2019

-0.26%

11.53%

7.01%

Q4 - 2019	3.16%	7.12%	--	1.88%
Q3 - 2019	-1.46%	-3.30%	--	0.94%
Q2 - 2019	-4.00%	1.68%	--	0.45%
Q1 - 2019	2.20%	6.96%	--	3.20%

2018

-0.55%

4.09%

-0.2%

Q4 - 2018	1.17%	-1.32%	--	2.05%
Q3 - 2018	-0.32%	3.29%	--	-3.66%
Q2 - 2018	-0.12%	4.36%	--	0.12%
Q1 - 2018	-1.57%	-2.14%	--	-2.59%

2017

17.73%

27.58%

22.07%

Q4 - 2017	4.87%	5.84%	--	5.12%
Q3 - 2017	2.07%	2.54%	--	3.95%
Q2 - 2017	3.65%	3.06%	--	4.82%
Q1 - 2017	6.11%	12.16%	--	8.86%

2016

10.64%

2.72%

7.74%

Q4 - 2016	-0.02%	-6.39%	--	-2.43%
Q3 - 2016	4.92%	3.40%	--	6.19%
Q2 -	--	7.45%	--	--
Q1 -	--	-2.82%	--	--

Best Quarters

Period	This Fund	Nifty 50	CRISIL Short Term Debt Hybrid 60+40 Index	Category Average
Q2 - 2020	12.07%	24.82%	--	7.36%
Q4 - 2020	10.04%	22.46%	--	7.98%
Q2 - 2023	7.16%	10.29%	--	5.9%

Worst Quarters

Period	This Fund	Nifty 50	CRISIL Short Term Debt Hybrid 60+40 Index	Category Average
Q1 - 2020	-12.02%	-29.43%	--	-11.24%
Q2 - 2019	-4.00%	1.68%	--	0.45%
Q2 - 2022	-3.33%	-10.70%	--	-3.81%