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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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Peaceful Post-Retirement Life
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Tax Free Regular Income
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Wealth Generation to beat Inflation
- 4.8++ Rated
- 12.02 Crore Registered Consumer
- 51 Partners Insurance Partners
- 5.9 Crore Policies Sold
We are rated++
12.02 Crore
Registered Consumer
51
Insurance Partners
5.9 Crore
Policies Sold
Start Investing ₹10k/Month & Build a corpus of ₹1 Crore# on Retirement
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National Pension Scheme (NPS)
- UTI Pension Fund NPS
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
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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.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
Insurers Offering Pension Plans
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or
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