What is sector allocation in the portfolio?

The distribution of assets among various economic sectors is referred to as sector allocation in a portfolio. These sectors include technology, healthcare, financial, energy, and many others.

How do I create a good mutual fund portfolio?

Building a good portfolio requires proper research and knowing about goals that need to be achieved. Set a boundary for your risk capacity, study about different funds and look at its past performance. Balance portfolio according to set goals and stay informed.

What is the ideal number of funds to have in a portfolio?

There is no ideal number, but it is always advisable to keep 4-5 funds in the portfolio as it can be easy to manage them and correct decisions can be taken according to it. Diversification is the key to manage and balance your portfolio for smooth growth.

How to maintain a good portfolio?

Timely monitoring of the portfolio keeps us aware of the changes in the ongoing market trends. It helps in making plans for any policy change.

How does risk tolerance play a role in determining portfolio allocation?

Risk tolerance is an important factor in maintaining portfolio allocation. With the correct mix of assets, the value of investments can improve significantly.

UTI Retirement Fund (G) - Portfolio Analysis

Portfolio Overview

As of January 31, 2026

Asset Allocation

Equity: 37.34%Others: 5.00%Debt: 57.60%

Market Cap

Large Cap: 24.01%Small Cap: 6.02%Mid Cap: 7.31%

Number of stocks

125

Top 10 Holdings

32.56% of portfolio

Market Cap of Equity

Large Cap

24.0100%

Small Cap

6.0200%

Mid Cap

7.3100%

Companies Allocation of Equity

HDFC BANK LIMITED EQ NEW FV RE. 1/-6.24%

ICICI BANK LIMITED EQ NEW FV RS. 2/-5.10%

INFOSYS LIMITED EQ FV RS 54.58%

RELIANCE INDUSTRIES LIMITED EQ3.02%

ITC LIMITED EQ NEW FV RE.1/-2.54%

VEDANTA LIMITED EQ NEW RS.1/-2.54%

LARSEN AND TOUBRO LIMITED EQ NEW FV RS.2/-2.50%

HCL TECHNOLOGIES LIMITED EQ F.V. RS.2/-2.04%

INDUS TOWERS LIMITED EQ2.02%

WIPRO LIMITED EQ F.V. RS. 21.98%

Sector Allocation of Equity

Banks7.70%

IT - Software4.61%

Petroleum Products1.84%

Diversified FMCG1.27%

Diversified Metals1.27%

Construction1.60%

Telecom - Services1.73%

Power0.94%

Automobiles1.96%

Finance1.80%

Other Consumer Services0.58%

Pharmaceuticals & Biotechnology2.35%

Insurance1.28%

Consumable Fuels0.64%

Cement & Cement Products0.50%

Oil0.44%

Transport Services0.94%

Personal Products0.65%

Capital Markets0.68%

Consumer Durables0.36%

Textiles & Apparels0.80%

Gas0.35%

Paper, Forest & Jute Products0.34%

Leisure Services0.34%

Realty0.33%

Retailing0.33%

Entertainment0.29%

Diversified0.27%

Fertilizers & Agrochemicals0.26%

Agricultural, Commercial & Construction Vehicles0.25%

Chemicals & Petrochemicals0.41%

Industrial Products0.23%

Monthly SIP

One Time

SIP Amount

₹

Monthly SIP Date

UTI Retirement Fund (G)

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Frequently Asked Questions

Everything You Need To Know To Get Started With Confidence

In mutual funds, "market cap allocation" means how assets of the fund are divided among various market capitalizations, which are based on the total market value of the outstanding shares of stock of a company. Market capitalization falls into three major categories: Large-cap, Mid-cap, Small-cap funds.