What is a Pension Fund Manager (PFM)? NPS Returns of UTI Pension Fund Ltd: Scheme-Wise Performance Key Features of UTI Pension Fund Ltd. Benefits of Choosing UTI Pension Fund Ltd. |
Retirement planning is key to ensuring you have enough money for a comfortable life later on. With so many unknowns about the future, having a solid savings plan can give you peace of mind. India's National Pension System (NPS) is a popular choice for step-by-step retirement fund building. UTI Pension Fund Ltd. is a well-known option among the different pension fund managers. In this blog, we’ll look at UTI Pension Fund Ltd.’s pension returns, how it performs, its features, and the benefits it offers to help you decide if it’s right for your retirement goals.
What is a Pension Fund Manager (PFM)?
A Pension Fund Manager, or PFM, is a company that handles your retirement savings by putting your money into things like stocks, bonds, and government securities. UTI Pension Fund Ltd. is one such manager, approved by the Pension Fund Regulatory and Development Authority (PFRDA). It invests your money in various options to help it grow over time. The idea is to earn good returns while keeping risks as low as possible so your savings increase steadily for when you retire. It’s all about balancing growing your money and keeping it safe.
| Also Read: NPS Benefits Guide |
NPS Returns of UTI Pension Fund Ltd: Scheme-Wise Performance
Here’s a simple breakdown of how UTI PFM different schemes have performed based on available data:
Table 1: Scheme E - Tier 1 (Equity)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 4.68% | 13.15% | 26.40% | 12.62% |
Disclaimer: The data reflects the performance of schemes managed by UTI PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 2: Scheme E - Tier 2 (Equity)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 3.32% | 11.91% | 25.76% | 11.44% |
Disclaimer: The data reflects the performance of schemes managed by the UTI PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 3: Scheme G - Tier 1 (Government Securities)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 11.48% | 8.87% | 7.58% | 8.47% |
Disclaimer: The data reflects the performance of schemes managed by the UTI PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 4: Scheme G - Tier 2 (Government Securities)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 10.95% | 8.60% | 7.36% | 8.93% |
Disclaimer: The data reflects the performance of schemes managed by the UTI PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 5: Scheme C - Tier 1 (Corporate Bonds)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 9.67% | 7.15% | 7.47% | 8.76% |
Disclaimer: The data reflects the performance of schemes managed by UTI PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
| Also Read: Understand NPS Tiers |
Table 6: Scheme C - Tier 2 (Corporate Bonds)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 9.35% | 7.05% | 7.31% | 8.77% |
Disclaimer: The data reflects the performance of schemes managed by UTI PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Key Features of UTI Pension Fund Ltd.
UTI Pension Fund Ltd. has some helpful features that make it stand out. Let’s take a look:
- Growth Tied to the Market: Your money grows based on the market's performance. You can choose how much goes into stocks, bonds, or safer options, which affects your returns.
- Easy to Move: If you switch jobs or move to a new place, you can keep your NPS account. This is great for people whose lives change often.
Benefits of Choosing UTI Pension Fund Ltd.
Here’s why picking UTI Pension Fund Ltd. could be a smart move:
- Good Track Record: UTI has done well, especially with equity funds. For example, it gave 26.40% (5 returns) in one year for Scheme E - Tier 1, showing that it can grow your savings quickly.
- Your Choice of Investment: You get to decide where your money goes—stocks for higher growth, bonds for balance, or government securities for safety. This lets you plan based on how much risk you’re okay with.
| Also Read: Aditya Birla Pension Fund |
Why Choose UTI Pension Fund Ltd.?
- Solid Returns: UTI has shown it can deliver strong growth, like the 26.40% (5 returns) in equity funds over one year. This means your retirement fund could build up nicely over time.
- Control in Your Hands: You pick how your savings are invested—whether you want more risk with stocks or less with bonds. It’s your plan, your way.
Conclusion
UTI Pension Fund Ltd. is a strong option for anyone planning their retirement through the National Pension System in India. It has a history of good returns, especially in equity funds, which can help your savings grow faster. You can choose how your money is invested, whether you prefer stocks, bonds, or safer options, matching your comfort level with risk. Plus, with UTI’s long experience and trusted reputation, you know your money is in good hands. For a retirement that’s secure and worry-free, UTI Pension Fund Ltd. is worth thinking about.
| Also Read: NPS Retirement Benefits |
FAQs
1. What kind of returns can I expect from UTI’s Scheme E - Tier 1?
As of April 04, 2025, Scheme E - Tier 1 (Equity) from UTI Pension Fund Ltd. offers 4.68% for one year, 13.15% for three years, 26.40% for five years, and 12.62% since it started. These numbers can change with the market.
2. How does UTI’s Scheme G - Tier 1 perform?
Scheme G - Tier 1 (Government Securities) gives 11.48% for one year, 8.87% for three years, 7.58% for five years, and 8.47% since inception, based on data up to April 04, 2025. It’s a safer option with steady growth.
3. Are the returns from UTI Pension Fund Ltd. fixed or guaranteed?
No, the returns are not fixed or guaranteed. They depend on whether the market's performance goes up or down. Past performance, like 26.40% over five years in Scheme E - Tier 1, doesn’t mean the same will happen in the future.
4. What makes UTI Pension Fund Ltd. a flexible choice?
UTI lets you decide how your money is invested—whether in stocks for more growth, bonds for balance, or government securities for safety. This way, you can plan according to how much risk you’re comfortable with.
