UTI Retirement Fund
Direct · Growth ₹55.43
09 Nov 2026
NAV
9.9%
3Y CAGR
9.6%
5Y CAGR
9.7%
10Y CAGR
9.6%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
4.07
Sharpe
-18.9%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
1.14%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.48 L | 10.0% | -29.0% | 38.7% |
| 3 Years | ₹36.00 L | ₹42.26 L | 9.9% | -10.5% | 19.4% |
| 5 Years | ₹60.00 L | ₹77.12 L | 9.8% | -2.8% | 17.4% |
| 7 Years | ₹84.00 L | ₹1.20 Cr | 10.0% | 0.5% | 14.5% |
| 10 Years | ₹1.20 Cr | ₹2.07 Cr | 10.5% | 8.6% | 12.4% |
| 12 Years | ₹1.44 Cr | ₹2.77 Cr | 10.3% | 9.0% | 11.3% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 10.0% | 14.3% | 6.7% | -4.3% |
| 3 Years | 9.9% | 11.0% | 12.8% | -1.1% |
| 5 Years | 9.8% | 10.4% | 13.3% | -0.5% |
| 7 Years | 10.0% | 10.6% | 12.2% | -0.6% |
| 10 Years | 10.5% | 11.4% | 12.3% | -0.9% |
| 12 Years | 10.3% | 11.3% | — | -1.0% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 9.7% | 8.8% | -17.7% | 40.8% | 0.36 | 0.76 | 86% | — | — |
| 3 Years | 9.9% | 10.5% | -2.4% | 19.2% | 0.86 | 2.07 | 99% | — | — |
| 5 Years | 9.6% | 9.1% | 2.3% | 18.0% | 1.04 | 6.25 | 100% | — | — |
| 10 Years | 9.7% | 9.9% | 7.5% | 11.0% | 4.07 | — | 100% | — | — |
-18.9%
Max Drawdown
10 mo
Drawdown Duration
5 mo
Recovery Time
-2.3%
Avg Drawdown
Calmar Ratio by Duration
0.51
1Y
0.52
3Y
0.51
5Y
0.49
7Y
0.51
10Y
0.51
12Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -1.32 | 0.41 | 40.9% | 38.2% | 1.8% | -1.9% |
| 3 Years | +1.81 | 0.41 | 43.3% | 36.3% | 9.3% | 8.8% |
| 5 Years | +1.96 | 0.39 | 42.1% | 35.2% | 8.6% | 6.7% |
| 7 Years | +2.98 | 0.37 | 41.3% | 34.5% | 11.2% | 11.1% |
| 10 Years | +0.82 | 0.37 | 41.0% | 35.9% | 9.2% | 11.4% |
| 12 Years | +1.53 | 0.37 | 41.2% | 35.3% | 9.2% | 9.6% |
| 15 Years | -0.15 | 0.38 | 40.2% | 35.7% | 7.7% | 10.0% |