Union Retirement Fund Direct-Growth

  • 3 Months
  • 6 Months
  • 1 Year
  • 3 Years
  • 5 Years
  • RSI
3 Months Returns : -2.77%
NAV: ₹17.23 as on Thu Nov 05, 2026
Fund NAV

Fund Overview of Union Retirement Fund Direct-Growth

  • ₹206.5 Cr
    AUM
  • ₹17.23
    NAV
  • 1.32%
    Expense Ratio
  • Equity
    Fund Category
As on Thu Nov 05, 2026
Calculate your Returns
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Minimum amount you can invest: ₹500

Maximum amount you can invest: ₹1,00,000

We have used a return rate of 15% for our calculations.

The total value of your investment after 10 years will be
₹ 1,39,328.64
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Union Retirement Fund Direct-Growth Return Comparison

Tenure Absolute(%) Annualised(%) Category Average(%)
3 Months -2.77% NA 3.06%
6 Months 2.99% NA 12.13%
1 Year 2.93% 2.93% 0.23%
2 Years 9.68% 4.73% 19.05%
3 Years 46.24% 13.51% 17.87%
View More
As on Thu Nov 05, 2026

Asset Allocation of Union Retirement Fund Direct-Growth

equities

98.50%

debt instruments

0.03%

other assets or cash equivalents

1.47%
Large Cap: 47.82%
Mid Cap: 20.93%
Small Cap: 31.25%
Other: 0.00%
Top Holdings
Hdfc Bank Ltd
7.95%
Hdfc Bank Ltd
6.87%
Icici Bank Ltd
6.05%
Icici Bank Ltd
6.05%
Icici Bank Ltd
6.05%
 
Top Sectors
Financial
126.95%
Detailed Portfolio Analysis
As on Thu Nov 05, 2026
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About Fund

About Union Retirement Fund Direct-Growth

Union Retirement Fund Direct-Growth is one Equity mutual fund offered by Union Mutual Fund. Launched on 22 Sep 2022, the fund aims Long Term Capital Appreciation. Investment in a mix of securities comprising of equity, equity related securities and debt instruments as per the asset allocation of the Scheme with a view to provide a retirement investment solution to investors. It manages assets worth ₹206.5 crore as on Wed Sep 30, 2026. The expense ratio stands at 1.32%.
The portfolio allocation consists of 98.50% in equities, 0.03% in debt instruments, 1.47% in other assets or cash equivalents.Managed by Pratik Dharmshi, it has delivered a return of 2.93% in the last year, a total return since inception of 14.11%.
Long-term investors commonly consider various best sip plans while they build systematic investment portfolios.

Read more
  • Pratit Vajani

    Fund Manager

  • PGDM (MDI Gurgaon), B.Tech (VJTI)

    Manager Education

  • Pratik Dharmshi

    Fund Manager

  • Mr. Dharmshi has done B. Com & CA

    Manager Education

Key Metrics of Union Retirement Fund Direct-Growth

  • Standard Deviation
    14.59%
  • Mean
    12.50%
  • Sharpe Ratio
    0.48%
  • Alpha
    2.22%
  • Beta
    0.92%
  • Sortino Ratio
    0.61%

Union Retirement Fund Direct-Growth Fund Details

Fund Names Union Retirement Fund Direct-Growth
Inception Date 22 Sep 2022
Lock In 1825
 
Risk Principal at very high risk
Category Average Annual Returns 0.23
More Details
Highest NAV in last 52 weeks & Lowest NAV in last 52 weeks

Compare Mutual Funds
Union Retirement Fund Direct-Growth Fund Returns Comparison

Compare Union Retirement Fund Direct-Growth with other mutual funds in the same category

Union Retirement Fund Direct-Growth

SBI Children's Fund - Investment Plan Direct-Growth

ICICI Prudential Retirement Fund - Pure Equity Plan Direct-Growth

Compare more funds

Start An Sip Today Watch Your Money Grow

Top Performing Mutual Funds

Fund Names AUM (Cr) 1M 3M 1Yr 3Yr 5Yr
SBI Children's Fund - Investment Plan Direct-Growth trend ₹7,949 0.59% -0.61% 11.55% 21.73% 18.34%
ICICI Prudential Retirement Fund - Pure Equity Plan Direct-Growth trend ₹2,106 3.09% -2.89% 2.60% 20.40% 17.99%
ICICI Prudential Retirement Fund - Pure Equity Plan Direct-IDCW trend ₹2,106 3.09% -2.89% 2.60% 20.40% 17.99%
SBI Children's Fund - Investment Plan Regular-Growth trend ₹7,949 0.51% -0.84% 10.48% 20.45% 16.98%
ICICI Prudential Retirement Fund - Pure Equity Plan-Growth trend ₹2,106 2.96% -3.23% 1.26% 18.75% 16.38%
ICICI Prudential Retirement Fund - Pure Equity Plan-IDCW trend ₹2,106 2.96% -3.23% 1.26% 18.75% 16.38%
HDFC Flexi Cap Direct Plan-Growth trend ₹108,547 6.99% 0.22% 2.04% 17.31% 16.37%
HDFC Flexi Cap Direct Plan-IDCW trend ₹108,547 6.99% 0.22% 2.04% 17.31% 16.37%
Bank Of India Flexi Cap Fund Direct-Growth trend ₹3,098 1.10% 0.24% 8.01% 19.30% 15.74%
Bank Of India Flexi Cap Fund Direct-IDCW trend ₹3,098 1.10% 0.24% 8.01% 19.30% 15.74%
View More
increase growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns

More funds from Union Mutual Fund

Fund Names AUM (Cr) 1M 3M 6M 1Yr 3Yr
Union Flexi Cap Fund-Growth increase ₹2,320 4.61% -0.75% 5.83% 1.52% 11.05%
Union Flexi Cap Fund Direct-Growth increase ₹2,320 4.71% -0.48% 6.39% 2.62% 12.29%
Union Flexi Cap Fund-IDCW increase ₹2,320 4.61% -0.75% 5.83% 1.52% 11.05%
Union Flexi Cap Fund Direct-IDCW increase ₹2,320 4.71% -0.48% 6.39% 2.62% 12.29%
Union Retirement Fund Regular-Growth increase ₹207 3.24% -3.10% 2.26% 1.63% 12.07%
Union Retirement Fund Regular-IDCW increase ₹207 3.24% -3.10% 2.26% 1.63% 12.07%
Union Retirement Fund Direct-IDCW increase ₹207 3.42% -2.77% 2.99% 2.93% 13.51%
Union Diversified Equity All Cap Active FOF Regular-Growth increase ₹195 2.67% -1.31% 6.84% 6.53% -
Union Diversified Equity All Cap Active FOF Direct-Growth increase ₹195 2.74% -1.10% 7.32% 7.53% -
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increase growth is based on 1-month returns of the funds

Union Retirement Fund Direct-Growth Calculator

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Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Top Mutual Funds

Fund Names AUM (Cr) NAV 3Yr 5Yr 10Yr
Parag Parikh Flexi Cap Fund Regular-Growth trend ₹145,070 ₹84.38 12.64% 10.73% 16.48%
Parag Parikh Flexi Cap Fund Direct-Growth trend ₹145,070 ₹92.71 13.40% 11.58% 17.38%
Parag Parikh Flexi Cap Fund Direct-IDCW trend ₹145,070 ₹92.71 13.40% 11.58% 17.38%
Parag Parikh Flexi Cap Fund Regular-IDCW trend ₹145,070 ₹84.38 12.64% 10.73% 16.48%
HDFC Flexi Cap Fund Regular-Growth trend ₹108,547 ₹2,091.13 16.55% 15.61% 15.60%
HDFC Flexi Cap Direct Plan-Growth trend ₹108,547 ₹2,305.35 17.31% 16.37% 16.39%
HDFC Flexi Cap Fund Regular-IDCW trend ₹108,547 ₹75.56 16.55% 15.61% 15.60%
HDFC Flexi Cap Direct Plan-IDCW trend ₹108,547 ₹93.21 17.31% 16.37% 16.39%
Kotak Flexi Cap Fund Regular-Growth trend ₹53,087 ₹85.39 12.26% 9.74% 12.53%
Kotak Flexi Cap Fund Direct-Growth trend ₹53,087 ₹97.25 13.22% 10.71% 13.60%
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Top funds are based on Fund AUM

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Union Retirement Fund Direct-Growth Detailed Portfolio

Stocks Sector % of Holding Value
Hdfc Bank LtdFinancial7.95%₹13.93 Cr
Hdfc Bank LtdFinancial6.87%₹13.10 Cr
Icici Bank LtdFinancial6.05%₹13.09 Cr
Icici Bank LtdFinancial6.05%₹13.09 Cr
Icici Bank LtdFinancial6.05%₹13.09 Cr
Icici Bank LtdFinancial6.05%₹13.09 Cr
Hdfc Bank LtdFinancial6.89%₹12.83 Cr
Hdfc Bank LtdFinancial6.89%₹12.83 Cr
Hdfc Bank LtdFinancial6.62%₹12.71 Cr
Icici Bank LtdFinancial6.00%₹12.38 Cr
Icici Bank LtdFinancial6.00%₹12.38 Cr
Icici Bank LtdFinancial6.00%₹12.38 Cr
Icici Bank LtdFinancial6.00%₹12.38 Cr
Hdfc Bank LtdFinancial6.95%₹12.36 Cr
Hdfc Bank LtdFinancial6.95%₹12.36 Cr
Hdfc Bank LtdFinancial6.27%₹11.91 Cr
Hdfc Bank LtdFinancial6.08%₹11.90 Cr
Icici Bank LtdFinancial5.76%₹11.90 Cr
Icici Bank LtdFinancial5.76%₹11.90 Cr
Icici Bank LtdFinancial5.76%₹11.90 Cr
View More

Top Equity Funds

Fund Names NAV 3Yr 5Yr 52 weeks high
SBI Children's Fund - Investment Plan Direct-Growth increase ₹53.78 21.73% 18.34% -
ICICI Prudential Retirement Fund - Pure Equity Plan Direct-Growth increase ₹38.67 20.40% 17.99% -
ICICI Prudential Retirement Fund - Pure Equity Plan Direct-IDCW increase ₹38.65 20.40% 17.99% -
SBI Children's Fund - Investment Plan Regular-Growth increase ₹49.89 20.45% 16.98% -
ICICI Prudential Retirement Fund - Pure Equity Plan-Growth increase ₹34.48 18.75% 16.38% -
ICICI Prudential Retirement Fund - Pure Equity Plan-IDCW increase ₹34.49 18.75% 16.38% -
HDFC Flexi Cap Direct Plan-Growth increase ₹2,305.35 17.31% 16.37% -
HDFC Flexi Cap Direct Plan-IDCW increase ₹93.21 17.31% 16.37% -
Bank Of India Flexi Cap Fund Direct-Growth increase ₹42.20 19.30% 15.74% -
Bank Of India Flexi Cap Fund Direct-IDCW increase ₹36.06 19.30% 15.74% -
View More
increase growth is based on 5Y returns of the funds

Frequently Asked Questions

Union Retirement Fund Direct-Growth

What is the current AUM of Union Retirement Fund Direct-Growth?

As of Wed Sep 30, 2026, Union Retirement Fund Direct-Growth manages assets worth ₹206.5 crore

How has Union Retirement Fund Direct-Growth performed recently?

  • 3 Months: -2.77%
  • 6 Months: 2.99%

What is the long-term performance of Union Retirement Fund Direct-Growth?

  • 3 Years CAGR: 13.51%
  • Since Inception: 14.11%

What is the portfolio composition of Union Retirement Fund Direct-Growth?

Equity: 98.50%, Debt: 0.03%, Others: 1.47%.

Who manages Union Retirement Fund Direct-Growth?

Union Retirement Fund Direct-Growth is managed by Pratik Dharmshi from Union Mutual Fund.

What is the market-cap allocation of Union Retirement Fund Direct-Growth?

Large Cap: 47.82%, Mid Cap: 20.93%, Small Cap: 31.25%.

Which are the top companies Union Retirement Fund Direct-Growth has invested in?

  • HDFC Bank Ltd – 7.95% of the fund's portfolio
  • HDFC Bank Ltd – 6.87% of the fund's portfolio
  • ICICI Bank Ltd – 6.05% of the fund's portfolio
  • ICICI Bank Ltd – 6.05% of the fund's portfolio
  • ICICI Bank Ltd – 6.05% of the fund's portfolio

Which are the major sectors Union Retirement Fund Direct-Growth focuses on?

  • Financial – 126.95% of the fund's portfolio
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