| Investment Objective The investment objective of the scheme is primarily to generate a corpus to provide for pension in the form of periodical income / cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved. |
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| Date of inception/allotment |
26th December, 1994 | ||||||||
| Fund Manager |
Mr. V Srivatsa - (Equity Portion) B.Com., CA, ICWA, PGDM. Managing the scheme since Nov 2009 Total Exp: 23 Yrs Mr. Anurag Mittal (Debt Portion) B.Com, Master of Science, CA. Managing the scheme since Nov 2025. Total Exp: 15 Yrs |
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| Fund AUM/Folio as on 31st July, 2026 |
Fund Size Monthly Average : 4,713.85 Crore Closing AUM : 4,725.26 Crore No. of Folios : 20,65,291 |
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| High/Low NAV in the month |
High Growth Option : 50.9031 Low Growth Option : 50.3579 |
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Month-end Total Expense Ratio (%)* |
Regular : 1.64 Direct : 1.10 *For detailed YTD Total Expense Ratio refer to Click Here |
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Minimum Investment Amount |
Minimum amount of each investment is 500/- (purchase value). There is no upper limit. | ||||||||
Plans/Options
(Regular / Direct) |
Growth Option | ||||||||
Portfolio Parameters |
Weighted Average Maturity : 7.47 Yrs Yield to Maturity* : 6.94% Modified Duration : 4.53 Yrs Macaulay Duration : 4.72 Yrs Securitised Debt Average Maturity First Business Receivable Trust : 4.61 Yrs *Annualized Portfolio YTM – Yields of all securities are annualized |
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Market Capitalisation (%) |
|
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Load Structure |
Entry Load : Nil Exit Load : Period of Holding *: (A) Less than one year – 1% (B) Greater than or equal to one year – Nil *Units shall not be under lock-in period. |
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NAV per unit as on 31st July, 2026 |
Regular Growth Option 50.8532 Direct Growth Option 55.1979 |
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Options Available |
SWP Options & SIP | ||||||||
Benchmark Index |
CRISIL Short Term Debt Hybrid 60+40 Index | ||||||||
UTI Retirement Benefit Pension Fund - Bonus Declared |
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Year |
IDCW |
Per unt |
NAV (Cum Div ) |
Face Value (per unit) |
NAV Date |
Record Date |
2007 |
01:10 |
19.3365 |
10.00 |
30-03-2007 |
05-04-2007 |
|
2009 |
01:10 |
21.1539 |
10.00 |
19-05-2009 |
26-05-2009 |
|
2010 |
01:05 |
22.1851 |
10.00 |
31-03-2010 |
07-04-2010 |
|
2011 |
01:10 |
19.8899 |
10.00 |
25-04-2011 |
02-05-2011 |
|
2012 |
01:10 |
18.0822 |
10.00 |
13-06-2012 |
20-06-2012 |
|
2013 |
01:10 |
18.4373 |
10.00 |
23-05-2013 |
30-05-2013 |
|
2014 |
01:10 |
19.9371 |
10.00 |
25-08-2014 |
01-09-2014 |
|
The scheme IDCW details under regular plan.
Disclaimer: Pursuant to payment of Dividend/Bonus, the Nav of the income distribution cum capital withdrawal options of the schemes would fall to the extent of payout and statutory levy (if applicable)
| Financial Services | 32% |
| Information Technology | 10% |
| Healthcare | 7% |
| Oil, Gas & Consumable Fuels | 6% |
| Automobile and Auto Components | 6% |
Portfolio |
% of Nav |
Rating |
| Equity | ||
| HDFC Bank Ltd. | 3.26 | |
| ICICI Bank Ltd | 3.11 | |
| Infosys Ltd. | 2.12 | |
| Reliance Industries Ltd. | 2.00 | |
| Larsen And Toubro Ltd | 1.56 | |
| State Bank Of India | 1.38 | |
| ITC Ltd. | 1.31 | |
| Bharti Airtel Ltd. | 1.22 | |
| Power Grid Corporation Of India Ltd | 1.09 | |
| Shriram Finance Ltd | 0.90 | |
| Mahindra & Mahindra Ltd. | 0.89 | |
| HCL Technologies Ltd. | 0.85 | |
| Wipro Ltd. | 0.75 | |
| Vedanta Aluminium Metal Ltd. | 0.70 | |
| Maruti Suzuki India Ltd. | 0.69 | |
| Others | 16.07 | |
| Govt Securities | ||
| 07.18% GSEC MAT -24/07/2037 | 6.83 | SOV |
| 07.32% GSEC MAT -13/11/2030 | 3.06 | SOV |
| 7.24% GSEC MAT- 18/08/2055 | 2.57 | SOV |
| 6.68% GSEC MAT- 07/07/2040 | 2.05 | SOV |
| 6.28% GSEC MAT- 14/07/2032 | 1.56 | SOV |
| Others | 14.35 | |
| Long Term Debt | ||
| Indian Railway Finance Corporation Ltd | 2.14 | CRISIL AAA |
| Power Finance Corporation Ltd. | 2.14 | CRISIL AAA |
| Small Industries Development Bank Of India | 1.58 | CRISIL AAA |
| Aditya Birla Housing Finance Ltd | 1.27 | CRISIL AAA |
| Aditya Birla Capital Ltd | 1.06 | CRISIL AAA |
| Export Import Bank Of India | 1.06 | CRISIL AAA |
| REC Ltd | 0.84 | CRISIL AAA |
| National Bank For Agriculture And Rural Development | 0.74 | CRISIL AAA |
| Bharti Telecom Ltd. | 0.53 | CRISIL AAA |
| Godrej Seeds And Genetics Ltd | 0.53 | CRISIL AA |
| Others | 2.34 | |
| Securitised Debt | ||
| India Universal Trust Al1 | 0.55 | IND AAA(SO) |
| Shivshakti Securitisation Trust | 0.52 | CRISIL AAA(SO) |
| CP / CDs | ||
| National Bank For Agriculture And Rural Development | 1.02 | ICRA A1+ |
| Canara Bank | 0.71 | CRISIL A1+ |
| Small Industries Development Bank Of India | 0.51 | CARE A1+ |
| INVIT | ||
| INVIT - IRB INVIT Fund | 0.34 | |
| INVIT - Indus Infra Trust | 0.07 | |
| Mutual Fund Units | ||
| UTI MF - NIFTY 50 ETF | 0.11 | |
| UTI NIFTY 5 yr Benchmark G-Sec ETF | 0.11 | |
| UTI NIFTY 10 yr Benchmark G-Sec ETF | 0.10 | |
| REITS | ||
| REIT- Nexus Select Trust | 0.45 | |
| REIT- Knowledge Realty Trust REIT | 0.44 | |
| REIT- Mindspace Business Parks | 0.08 | |
| Net Current assets | 12.40 | |
| Total | 100.00 |
Median Market Cap ( Cr) |
3,19,416 |
Weighted Average Market Cap |
4,93,081 |
Number of Securities |
61 |
All figures given are provisional and unaudited. |
Quantitative Indicators |
Fund |
Benchmark |
Beta |
0.98 |
1 |
Standard Deviation (Annual) |
5.76% |
5.69% |
Sharpe ratio |
0.63 |
|
Portfolio Turnover Ratio (Annual) |
0.36 |
|
P/B |
2.83 |
3.21 |
P/E |
18.53 |
22.32 |
| ROE | 17.55 |
18.58 |
Calculation Methodology: P/E and P/B are based on harmonic mean: ROE is calculated as a weighted average. All figures are based on trailing twelve months (TTM) data.
| Fund Performance Vs Benchmark (CAGR) as on 31st July, 2026 Growth of 10000 |
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| Period | NAV Growth (%) |
CRISIL Short Term Debt Hybrid 60+40 Index (%) |
Nifty 50 TRI(%) |
NAV Growth () |
CRISIL Short Term Debt Hybrid 60+40 Index () |
Nifty 50 TRI () |
| 1 Y | 2.36 | 4.61 | -0.43 | 10,236 | 10,461 | 9,957 |
| 3 Y | 9.05 | 9.12 | 8.56 | 12,971 | 12,996 | 12,797 |
| 5 Y | 9.35 | 8.80 | 10.40 | 15,639 | 15,249 | 16,404 |
| 10 Y | 8.75 | 9.92 | 12.28 | 23,147 | 25,763 | 31,864 |
| SI* | 10.37 | N.A | N.A | 2,26,358 | N.A | N.A |
Past performance may or may not be sustained in future. Different plans have a different expense structure. The performance details provided herein are of regular plan. *Compounded annualized Growth Rate. The current fund manager is managing the scheme since Nov 2009 & Dec 2021. N.A - Not Available. The Schemes is Managed by Mr V. Srivatsa since Nov 2009 & Mr. Anurag Mittal since Nov 2025. Load is not taken into consideration for computation of performance.
| Period | |||||||
|
Investment Amount ()
|
Fund Value
() |
CRISIL Short Term Debt Hybrid 60+40 Index ()
|
Nifty 50 TRI
() |
Yield (%) Fund
|
Yield (%) CRISIL Short Term Debt Hybrid 60+40 Index
|
Yield (%)
Nifty 50 TRI |
|
| 1 Y | 1,20,000 | 1,22,411 | 1,23,419 | 1,19,593 | 3.76 | 5.35 | -0.63 |
| 3 Y | 3,60,000 | 3,94,368 | 3,99,947 | 3,84,845 | 6.02 | 6.97 | 4.39 |
| 5 Y | 6,00,000 | 7,43,259 | 7,42,249 | 7,36,548 | 8.51 | 8.45 | 8.14 |
| 7 Y | 8,40,000 | 12,03,606 | 11,81,510 | 12,68,182 | 10.11 | 9.59 | 11.57 |
| 10 Y | 12,00,000 | 19,39,707 | 19,92,724 | 22,36,790 | 9.29 | 9.80 | 11.97 |
| 15 Y | 18,00,000 | 35,98,861 | 40,77,650 | 48,86,061 | 8.69 | 10.18 | 12.31 |
| SI | 26,00,000 | 57,05,164 | 88,70,325 | 1,15,34,223 | 6.70 | 10.14 | 12.13 |
Note: Systematic Investment Plan (SIP) returns are worked out assuming investment of 10,000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into account. Past performance may or may not be sustained in future.
# The fund may invest up to 50% of its debt portfolio in securitized debt.
This product is suitable for investors who are seeking*:
- Long Term Capital Appreciation
- Investment in equity instruments (maximum-40%) and debt/ Money market Instruments
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.