holdings

UTI Retirement Fund Direct

Hybrid: Balanced Hybrid - Growth (Open ended)

UTI Retirement Fund DirectNAV: 55.01 as on 16 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: HighCategory: Hybrid: Balanced HybridBenchmark: CRISIL Short Term Debt Hybrid 60+40 Index

NAV: ₹55.01+0.06%

16 Jul 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for UTI Retirement Fund Direct.

Asset Allocation

As on 30 Jun 2026

Debt

49.35%

Equity

37.33%

Others

11.87%

Real estate

1.45%

Market Cap Distribution

Large Cap (64.0%)

Mid Cap (19.3%)

Small Cap (16.8%)

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	37.33%	36.96%	36.97%	36.34%	37.07%	37.40%
Debt	49.35%	50.42%	58.01%	59.78%	60.11%	57.94%
Others (incl. cash)	11.87%	11.23%	3.63%	2.40%	1.35%	3.11%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	1.45%	1.39%	1.39%	1.49%	1.48%	1.55%

Portfolio Snapshot

No. of Securities

126

P/E Ratio

18.63

P/B Ratio

2.66

Top Holding %

11.87%

Top 5 Holdings %

28.56%

Top 10 Holdings %

38.87%

Modified Duration

4.95 yrs

Avg. Maturity

8.18 yrs

Yield to Maturity

7.26%

AUM

₹4,698 Cr

Expense Ratio

1.10%

Since Inception

10.04%

Max Drawdown

-0.19%

Sharpe Ratio

0.63

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
HDFC Bank Ltd.	Financial	18,81,065	150.1	3.19%	0.32%↑
ICICI Bank Ltd.	Financial	9,50,089	130.66	2.78%	0.35%↑
Infosys Ltd.	Technology	7,81,173	78.15	1.66%	-0.24%↓
Larsen & Toubro Ltd.	Construction	1,81,774	75.32	1.60%	0.07%↑
Reliance Industries Ltd.	Energy	5,08,349	65.78	1.40%	-0.02%↓
ITC Ltd.	Consumer Staples	21,99,166	63.11	1.34%	0.04%↑
State Bank of India	Financial	6,13,513	63	1.34%	0.59%↑
Bharti Airtel Ltd.	Communication	2,91,433	53.97	1.15%	-0.01%↓
Power Grid Corporation Of India Ltd.	Energy	18,09,388	51.8	1.10%	-0.04%↓
Shriram Finance Ltd	Financial	4,07,478	42.47	0.90%	0.12%↑
Wipro Ltd.	Technology	21,66,674	36.92	0.79%	-0.23%↓
Mahindra & Mahindra Ltd.	Automobile	1,16,611	35.79	0.76%	-0.01%↓
Indus Towers Ltd.	Communication	8,66,656	33.95	0.72%	-0.16%↓
Vedanta Aluminium Metal Ltd.	Metals & Mining	7,33,390	32.89	0.70%	-
Maruti Suzuki India Ltd.	Automobile	22,815	32.2	0.69%	0.04%↑
HCL Technologies Ltd.	Technology	2,96,460	31.77	0.68%	-0.09%↓
Grasim Industries Ltd.	Materials	91,400	28.33	0.60%	0.03%↑
Caplin Point Laboratories Ltd.	Healthcare	1,05,550	27.72	0.59%	0.05%↑
Ajanta Pharma Ltd.	Healthcare	80,028	27.39	0.58%	0.07%↑
Life Insurance Corporation of India	Insurance	6,30,685	27.22	0.58%	-0.12%↓

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Financial	10.85%	9.32%	9.32%	8.89%	10.07%	10.56%
Energy	3.66%	4.02%	4.32%	4.00%	4.00%	3.99%
Technology	3.14%	3.70%	3.56%	3.99%	3.93%	4.63%
Healthcare	2.80%	2.67%	2.50%	2.50%	2.44%	2.34%
Consumer Staples	2.50%	2.48%	2.54%	2.35%	2.34%	2.27%
Services	2.48%	2.36%	2.47%	2.44%	2.56%	2.07%
Construction	2.44%	2.31%	2.26%	2.00%	2.11%	1.93%
Automobile	2.29%	2.16%	2.17%	2.14%	2.25%	2.21%
Communication	1.88%	2.04%	1.97%	1.82%	1.61%	1.73%
Insurance	1.25%	1.37%	1.21%	1.16%	1.14%	0.94%
Chemicals	1.19%	1.24%	1.31%	1.19%	0.91%	0.93%
Materials	1.06%	1.10%	1.06%	1.41%	1.08%	1.15%
Metals & Mining	0.76%	0.59%	0.75%	1.19%	1.28%	1.28%
Consumer Discretionary	0.72%	0.72%	0.73%	0.65%	0.72%	0.70%
Textiles	0.28%	0.24%	0.22%	0.35%	0.39%	0.44%
Capital Goods	0.05%	0.65%	0.57%	0.25%	0.25%	0.23%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
SOV	33.52%	11.04%
Cash & Call Money	11.94%	11.84%
AAA	10.48%	19.05%
A1+	2.25%	0.63%
Term Deposits	1.73%	0.22%
AA+	0.78%	1.63%
AA	0.53%	1.81%
AA-	-	0.06%
B+	-	0.01%
Others	-	0.00%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

61.8 / 100

Weighted average Value score is 61.8. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

54.5 / 100

Weighted average Price Momentum score is 54.5. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

70.7 / 100

Weighted average Quality score is 70.7. This indicates that portfolio has average quality using composite of quality measures.

QVM score

72.2 / 100

Weighted average QVM score is 72.2. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Negative cash flow from operations

Following companies have not generated positive operating cash flow for 2 consecutive financial years: Aditya Birla Capital Ltd., Grasim Industries Ltd., GR Infraprojects Ltd., Life Insurance Corporation of India, Shriram Finance Ltd., Sundaram Finance Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Grasim Industries Ltd.	2.2
Tata Power Company Ltd.	2.02
Mahindra Holidays & Resorts India Ltd.	4.92
Vedanta Power Ltd.	3.03
Interglobe Aviation Ltd.	11.15

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	7.18%	24/07/2037	SOV	6.90%
GOI	GOI Securities	6.68%	07/07/2040	SOV	3.53%
GOI	GOI Securities	7.32%	13/11/2030	SOV	3.08%
GOI	GOI Securities	7.24%	18/08/2055	SOV	2.64%
Power Finance Corporation Ltd.	Fixed Deposits	7.60%	25/08/2033	CRISIL-AAA	1.62%
GOI	GOI Securities	6.28%	14/07/2032	SOV	1.58%
Rajasthan State	State Development Loan	7.32%	24/09/2035	SOV	1.20%
West Bengal State	State Development Loan	7.73%	04/02/2043	SOV	1.13%
Andhra Pradesh State	State Development Loan	7.88%	25/03/2046	SOV	1.09%
GOI	GOI Securities	6.94%	11/05/2036	SOV	1.08%
Indian Railway Finance Corporation Ltd.	Non Convertible Debenture	7.57%	18/04/2029	CRISIL-AAA	1.08%
Small Industries Devp. Bank of India Ltd.	Bonds/NCDs	7.42%	12/03/2029	CRISIL-AAA	1.07%
Aditya Birla Finance Ltd.	Debenture	7.94%	07/08/2028	CRISIL-AAA	1.07%
Export-Import Bank Of India	Bonds	7.12%	27/06/2030	CRISIL-AAA	1.07%
Kerala State	State Development Loan	7.66%	18/02/2039	SOV	1.07%
GOI	GOI Securities	6.92%	18/11/2039	SOV	1.07%
Haryana State	State Development Loan	7.73%	18/02/2045	SOV	1.07%
West Bengal State	State Development Loan	7.74%	18/02/2044	SOV	1.04%
Madhya Pradesh State	State Development Loan	7.68%	04/02/2043	SOV	1.02%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	28/01/2027	ICRA-A1+	1.02%
Andhra Pradesh State	State Development Loan	6.82%	04/06/2036	SOV	1.02%
GOI	GOI Securities	7.10%	08/04/2034	SOV	0.94%
West Bengal State	State Development Loan	6.99%	29/09/2036	SOV	0.82%
India Universal Trust AL1	Securitised Debt	8.20%	20/09/2030	IND-AAA(SO)	0.56%
Madhya Pradesh State	State Development Loan	7.65%	11/03/2040	SOV	0.54%
National Bank For Agriculture & Rural Development	Debenture	7.68%	30/04/2029	CRISIL-AAA	0.54%
Indian Railway Finance Corporation Ltd.	Non Convertible Debenture	7.46%	18/06/2029	CRISIL-AAA	0.54%
Indian Railway Finance Corporation Ltd.	Non Convertible Debenture	7.65%	18/04/2033	CRISIL-AAA	0.54%
Bajaj Finance Ltd.	Debenture	7.11%	10/07/2028	CRISIL-AAA	0.53%
Poonawalla Fincorp Ltd.	Non Convertible Debenture	7.52%	25/02/2028	CRISIL-AAA	0.53%
Small Industries Devp. Bank of India Ltd.	Bonds	7.04%	09/02/2029	CRISIL-AAA	0.53%
Axis Finance Ltd.	Non Convertible Debenture	7.37%	23/08/2028	CRISIL-AAA	0.53%
REC Ltd.	Bonds/NCDs	6.23%	31/10/2031	CRISIL-AAA	0.53%
Aditya Birla Housing Finance Ltd.	Non Convertible Debenture	7.85%	10/03/2028	CRISIL-AAA	0.53%
Rajasthan State	State Development Loan	7.23%	23/10/2035	SOV	0.52%
Shivshakti Securitisation Trust	Securitised Debt	0.00%	0	CRISIL-AAA(SO)	0.52%
Andhra Pradesh State	State Development Loan	6.96%	06/08/2034	SOV	0.52%
Andhra Pradesh State	State Development Loan	7.08%	26/03/2037	SOV	0.51%
Canara Bank	Certificate of Deposit	0.00%	28/01/2027	CRISIL-A1+	0.51%
Small Industries Devp. Bank of India Ltd.	Certificate of Deposit	0.00%	28/01/2027	CARE-A1+	0.51%
Maharashtra State	State Development Loan	7.12%	16/07/2047	SOV	0.51%
Torrent Pharmaceuticals Ltd.	Non Convertible Debenture	7.80%	17/01/2031	ICRA-AA+	0.43%
Piramal Finance Ltd.	Debenture	6.75%	26/09/2031	ICRA-AA+	0.33%
REC Ltd.	Bonds	6.70%	31/12/2029	ICRA-AAA	0.32%
Maharashtra State	State Development Loan	6.98%	25/06/2037	SOV	0.31%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.99%	26/12/2028	CRISIL-AA	0.27%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.99%	26/03/2029	CRISIL-AA	0.26%
Canara Bank	Certificate of Deposit	0.00%	12/03/2027	CRISIL-A1+	0.20%
Axis Bank Ltd.	Short Term Deposit	0.00%	0	-	0.11%
Others	CBLO	0.00%	0	-	0.07%
West Bengal State	State Development Loan	7.79%	18/03/2045	SOV	0.06%
Uttar Pradesh State	State Development Loan	0.00%	20/03/2036	SOV	0.04%
Haryana State	State Development Loan	7.08%	26/03/2039	SOV	0.02%
Torrent Pharmaceuticals Ltd.	Non Convertible Debenture	7.60%	19/01/2029	ICRA-AA+	0.02%
Maharashtra State	State Development Loan	7.19%	27/02/2040	SOV	0.01%
Maharashtra State	State Development Loan	7.46%	21/02/2035	SOV	0.00%

Frequently Asked Questions

What are the top holdings of UTI Retirement Fund Direct?

The top holdings of UTI Retirement Fund Direct as of 30 Jun 2026 are Others (11.87%), GOI (6.90%), GOI (3.53%), HDFC Bank Ltd. (3.19%), GOI (3.08%). These top 5 stocks together account for 28.56% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does UTI Retirement Fund Direct hold in its portfolio?

UTI Retirement Fund Direct holds 126 stocks in its portfolio as of 30 Jun 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of UTI Retirement Fund Direct?

As of 30 Jun 2026, UTI Retirement Fund Direct's top sector allocations are Financial (10.85%), Energy (3.66%), Technology (3.14%). You can find detailed sector allocation above.

What is the equity and debt allocation of UTI Retirement Fund Direct?

As of 30 Jun 2026, UTI Retirement Fund Direct has 37.33% allocated to equity, and 49.35% to debt. You can also check the historical trends above.

What is the market cap allocation of UTI Retirement Fund Direct?

As of 30 Jun 2026, UTI Retirement Fund Direct's market cap allocation is 63.97% in large caps, 19.26% in mid caps, and 16.77% in small caps.

What is the PE ratio of UTI Retirement Fund Direct's portfolio?

The portfolio PE ratio of UTI Retirement Fund Direct is 18.63 as of 30 Jun 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of UTI Retirement Fund Direct?

As of 30 Jun 2026, UTI Retirement Fund Direct's debt portfolio has 10.48% in AAA-rated instruments, 0.53% in AA-rated, and 33.52% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for UTI Retirement Fund Direct?

The latest portfolio disclosure for UTI Retirement Fund Direct is as of 30 Jun 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

37.33%

36.96%

36.97%

36.34%

37.07%

37.40%

Debt

49.35%

50.42%

58.01%

59.78%

60.11%

57.94%

Others (incl. cash)

11.87%

11.23%

3.63%

2.40%

1.35%

3.11%

Commodities

0.00%

Real Estate

1.45%

1.39%

1.49%

1.48%

1.55%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

HDFC Bank Ltd.

Financial

18,81,065

150.1

3.19%

0.32%↑

ICICI Bank Ltd.

Financial

9,50,089

130.66

2.78%

0.35%↑

Infosys Ltd.

Technology

7,81,173

78.15

1.66%

-0.24%↓

Larsen & Toubro Ltd.

Construction

1,81,774

75.32

1.60%

0.07%↑

Reliance Industries Ltd.

Energy

5,08,349

65.78

1.40%

-0.02%↓

ITC Ltd.

Consumer Staples

21,99,166

63.11

1.34%

0.04%↑

State Bank of India

Financial

6,13,513

1.34%

0.59%↑

Bharti Airtel Ltd.

Communication

2,91,433

53.97

1.15%

-0.01%↓

Power Grid Corporation Of India Ltd.

Energy

18,09,388

51.8

1.10%

-0.04%↓

Shriram Finance Ltd

Financial

4,07,478

42.47

0.90%

0.12%↑

Wipro Ltd.

Technology

21,66,674

36.92

0.79%

-0.23%↓

Mahindra & Mahindra Ltd.

Automobile

1,16,611

35.79

0.76%

-0.01%↓

Indus Towers Ltd.

Communication

8,66,656

33.95

0.72%

-0.16%↓

Vedanta Aluminium Metal Ltd.

Metals & Mining

7,33,390

32.89

0.70%

Maruti Suzuki India Ltd.

Automobile

22,815

32.2

0.69%

0.04%↑

HCL Technologies Ltd.

Technology

2,96,460

31.77

0.68%

-0.09%↓

Grasim Industries Ltd.

Materials

91,400

28.33

0.60%

0.03%↑

Caplin Point Laboratories Ltd.

Healthcare

1,05,550

27.72

0.59%

0.05%↑

Ajanta Pharma Ltd.

Healthcare

80,028

27.39

0.58%

0.07%↑

Life Insurance Corporation of India

Insurance

6,30,685

27.22

0.58%

-0.12%↓

Sector

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Financial

10.85%

9.32%

8.89%

10.07%

10.56%

Energy

3.66%

4.02%

4.32%

4.00%

3.99%

Technology

3.14%

3.70%

3.56%

3.99%

3.93%

4.63%

Healthcare

2.80%

2.67%

2.50%

2.44%

2.34%

Consumer Staples

2.50%

2.48%

2.54%

2.35%

2.34%

2.27%

Services

2.48%

2.36%

2.47%

2.44%

2.56%

2.07%

Construction

2.44%

2.31%

2.26%

2.00%

2.11%

1.93%

Automobile

2.29%

2.16%

2.17%

2.14%

2.25%

2.21%

Communication

1.88%

2.04%

1.97%

1.82%

1.61%

1.73%

Insurance

1.25%

1.37%

1.21%

1.16%

1.14%

0.94%

Chemicals

1.19%

1.24%

1.31%

1.19%

0.91%

0.93%

Materials

1.06%

1.10%

1.06%

1.41%

1.08%

1.15%

Metals & Mining

0.76%

0.59%

0.75%

1.19%

1.28%

Consumer Discretionary

0.72%

0.73%

0.65%

0.72%

0.70%

Textiles

0.28%

0.24%

0.22%

0.35%

0.39%

0.44%

Capital Goods

0.05%

0.65%

0.57%

0.25%

0.23%

Rating

Fund