Who can join UTI Pension Fund NPS?

Any Indian citizen, resident or non-resident, aged between 18 and 70 years, can open an NPS account with UTI Pension Fund and start investing for retirement.

What investment options does UTI NPS offer?

Subscribers can allocate funds across Equity, Corporate Bonds, Government Securities, and Alternate Assets, either actively choosing allocations or using the Auto Choice option based on age.

What are the key benefits of UTI Pension Fund NPS?

Benefits include flexibility in investment choices, competitive market-linked returns, triple-tax advantages, portable accounts, and a proven track record of efficient fund management.

UTI Pension Fund NPS

UTI Pension Fund offers the National Pension System (NPS), a government-backed retirement savings scheme regulated by PFRDA. Subscribers benefit from flexible investment options in equity, bonds, and government securities, earning market-linked returns for long-term financial security. UTI Pension Fund is a prominent Pension Fund Manager, helping individuals build a robust corpus for retirement while enjoying tax advantages and portability.

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Highlights of UTI Pension Fund NPS

Below are the highlights of the NPS fund by UTI:

Particulars	Details
Scheme	Scheme E, Tier 1 account
Assets (Rs. in crore)	4,694.37
Scheme Inception Date	21-May-09
Top 5 Holdings	HDFC Bank Equity; ICICI Bank Equity; Reliance Industries Equity; Infosys Tech Equity; Bharti Airtel Equity
Top 3 Sectors	Monetary Intermediation of Commercial Banks; Writing, Modifying, Testing of the Computer Program; Production of Liquid And Gaseous Fuels;
Returns Since Inception	12.80%

Sector-wise Holdings of UTI Pension Fund NPS

Sector	Fund (%)
Financial	31.34
Technology	17.29
Consumer Discretionary	12.22
Energy & Utilities	10.57
Industrials	10.31
Consumer Staples	6.72
Healthcare	5.91
Materials	3.93
Unspecified	0.99
Diversified	0.72

Asset Allocation of UTI Pension Fund NPS

Below is the asset allocation of the UTI Pension Fund NPS:

Particulars	Details
Equity	99.01%
Debt	0.20%
Cash & Cash Eq.	0.79%

Top Holdings of UTI Pension Fund NPS

Company Name	P/E Ratio	Assets (%)
HDFC Bank	20.90	8.81
ICICI Bank	18.90	7.04
Reliance Industries	22.94	5.59
Infosys	22.83	3.99
Bharti Airtel	33.43	3.97
Larsen & Toubro	31.41	3.80
State Bank of India	9.97	3.61
Axis Bank	12.78	3.02
Mahindra & Mahindra	32.74	3.00
Tata Consultancy	22.45	2.57
ITC	14.48	2.55
Eternal	--	2.47
Kotak Mahindra Bank	20.91	2.35
Ultratech Cement	52.29	2.31
Maruti Suzuki India	34.95	1.92
Trent	109.58	1.79
NTPC	13.74	1.77
Torrent Pharmaceuticals	62.04	1.58
Info Edge (India)	88.55	1.54
Tata Consumer Products	83.71	1.51
Sun Pharmaceutical Industries	37.75	1.43
Hindustan Aero	38.59	1.37
Shriram Finance	12.21	1.36
Max Healthcare Institute	97.96	1.35
Bharat Electronics	54.00	1.35

As on 31-Aug-2025

NPS UTI Fund Performance

Period Invested For	Absolute Returns	Annualised Returns
1 Month	1.60%	-
3 Month	2.10%	-
6 Month	8.10%	-
9 Month	4.80%	-
1 Year	-3.90%	-3.90%
2 Year	40.40%	18.50%
3 Year	62.40%	17.60%
5 Year	160.70%	21.10%

Tax Treatment of UTI Pension Fund NPS

Investments in the National Pension Scheme (NPS) are exempt from income tax. Additionally, you can claim extra tax deductions of up to ₹50,000 on your Tier 1 NPS contributions under Section 80CCD(1B) of the income tax.

FAQs

Who can join UTI Pension Fund NPS?

Any Indian citizen, resident or non-resident, aged between 18 and 70 years, can open an NPS account with UTI Pension Fund and start investing for retirement.
What investment options does UTI NPS offer?

Subscribers can allocate funds across Equity, Corporate Bonds, Government Securities, and Alternate Assets, either actively choosing allocations or using the Auto Choice option based on age.
What are the key benefits of UTI Pension Fund NPS?

Benefits include flexibility in investment choices, competitive market-linked returns, triple-tax advantages, portable accounts, and a proven track record of efficient fund management.

More About NPS

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