Union Retirement Fund Direct-IDCW

  • 3 Months
  • 6 Months
  • 1 Year
  • 3 Years
  • 5 Years
  • RSI
3 Months Returns : -2.77%
NAV: ₹17.04 as on Thu Nov 05, 2026
Fund NAV

Fund Overview of Union Retirement Fund Direct-IDCW

  • ₹206.5 Cr
    AUM
  • ₹17.04
    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-IDCW 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%
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As on Thu Nov 05, 2026

Dividend of Union Retirement Fund Direct-IDCW : 2.00%

Dividends are declared by the fund house based on the income generated from the underlying assets. While many mutual funds distribute dividends annually, the payout frequency ultimately depends on the fund house’s decision

Asset Allocation of Union Retirement Fund Direct-IDCW

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-IDCW

Union Retirement Fund Direct-IDCW 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%.
The latest dividend was declared on 07 Sep 2026 at 2.00% of face value.
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  • 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-IDCW

  • 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-IDCW Fund Details

Fund Names Union Retirement Fund Direct-IDCW
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-IDCW Fund Returns Comparison

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

Union Retirement Fund Direct-IDCW

SBI Children's Fund - Investment Plan Direct-Growth

ICICI Prudential Retirement Fund - Pure Equity Plan Direct-Growth

Compare more funds

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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 Direct-Growth increase ₹207 3.42% -2.77% 2.99% 2.93% 13.51%
Union Retirement Fund Regular-IDCW increase ₹207 3.24% -3.10% 2.26% 1.63% 12.07%
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% -
View More
increase growth is based on 1-month returns of the funds

Union Retirement Fund Direct-IDCW Calculator

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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-IDCW 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-IDCW

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

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

How has Union Retirement Fund Direct-IDCW performed recently?

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

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

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

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

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

Who manages Union Retirement Fund Direct-IDCW?

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

When was the last dividend declared by Union Retirement Fund Direct-IDCW?

Latest dividend was declared on 07 Sep 2026 at 2.00% of face value.

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

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

Which are the top companies Union Retirement Fund Direct-IDCW 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-IDCW focuses on?

  • Financial – 126.95% of the fund's portfolio
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