UTI Retirement Fund
Direct · Growth ₹54.68
25 Jun 2026
NAV
13.3%
3Y CAGR
12.8%
5Y CAGR
13.0%
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.
3.66
Sharpe
-6.3%
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.
NA
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 | ₹12.57 L | 12.6% | -7.7% | 30.8% |
| 3 Years | ₹36.00 L | ₹43.19 L | 12.8% | 4.6% | 19.4% |
| 5 Years | ₹60.00 L | ₹80.00 L | 11.4% | 8.1% | 14.1% |
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 | 12.6% | 14.5% | 11.9% | -2.0% |
| 3 Years | 12.8% | 11.2% | 12.9% | +1.6% |
| 5 Years | 11.4% | 10.5% | 12.5% | +1.0% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 13.0% | 12.1% | -0.7% | 33.5% | 0.83 | 4.31 | 99% | — | — |
| 3 Years | 13.3% | 13.3% | 9.9% | 16.2% | 5.23 | — | 100% | — | — |
| 5 Years | 12.8% | 12.9% | 9.7% | 15.7% | 3.66 | — | 100% | — | — |
-6.3%
Max Drawdown
3 mo
Drawdown Duration
Not recovered
Recovery Time
-1.1%
Avg Drawdown
Calmar Ratio by Duration
2.08
1Y
2.13
3Y
2.04
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.19 | 0.41 | 42.3% | 37.7% | 1.7% | -4.7% |
| 3 Years | +3.16 | 0.41 | 44.7% | 35.8% | 10.6% | 8.8% |
| 5 Years | +2.89 | 0.39 | 42.6% | 34.5% | 10.3% | 8.7% |
| 7 Years | +2.22 | 0.39 | 42.4% | 34.2% | 11.2% | 12.9% |
| 10 Years | +0.30 | 0.39 | 42.4% | 34.2% | 7.7% | 8.8% |
| 12 Years | -0.43 | 0.39 | 42.4% | 34.2% | 6.4% | 7.3% |
| 15 Years | -1.16 | 0.39 | 42.4% | 34.2% | 5.1% | 5.8% |