Union Retirement Fund
NAV
₹16.85
as of 6 Oct 2026
Union Retirement Fund is an open-ended Retirement Fund scheme from Union Mutual Fund managing ₹210 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹16.85 as of 6 Oct 2026. The expense ratio is 1.39% a year. Managed by Pratik Dharmshi. This page is factual data only – it carries no rating and no recommendation.
Key facts
- Expense ratio
- 1.39% / yr
- as of 31 Aug 2026
- Fund size
- ₹210 crore
- as of 31 Jul 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 22 Sept 2022
- ISIN
- INF582M01IK5
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from nyvo’s own NAV data.
Rebased to 100data to 5 Oct 2026Benchmark: BSE 500 Index
Union Retirement Fund
₹167
+67% on ₹100 over 4.0 yrs
Retirement Fund average
₹146
+46% on ₹100 over 4.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | -5.66% | – | – |
| 6 months | 2.84% | – | – |
| 1 year | 1.09% | – | – |
| 3 years (CAGR) | 11.78% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible – read that number first.
1-year holding periods
- Worst
- -2.0%
- Median
- 12.9%
- Best
- 44.0%
36 windows over the last 47 months, stepped monthly; 92% ended positive. Worst window began 1 Oct 2024. Windows overlap – this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 12.8%
- Median
- 18.4%
- Best
- 19.2%
12 windows over the last 47 months, stepped monthly; 100% ended positive. Worst window began 1 Aug 2023. Windows overlap – this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.61
- Sortino ratio (3Y)
- 0.92
- Standard deviation (3Y)
- 14.05%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high – how deep and for how long is what a drawdown feels like.
Deepest fall
-16.8%
Right now
-6.6% below peak
Where the money actually is
Equity
99.1%
Cash
0.9%
Whole-portfolio split, as of 31 Jul 2026. The size split below covers only the equity slice of this.
What it owns
84 positions · top 10 = 27.9%
Market-cap mix (equity sleeve)
Large 51.6%Mid 20.1%Small 27.3%Other 0.9%
as of 31 Jul 2026
Holdings by sector
Financial Services(4 in top 10)27.0%
- ICICI Bank Ltd6.15%
- HDFC Bank Ltd4.99%
- Multi Commodity Exchange of India Ltd2.31%
- State Bank of India2.01%
Consumer Cyclical(2 in top 10)18.6%
- SJS Enterprises Ltd2.05%
- Eternal Ltd2.02%
- Industrials16.6%
Basic Materials(1 in top 10)10.8%
- Solar Industries India Ltd2.32%
- Technology8.3%
- Healthcare5.6%
Consumer Defensive(1 in top 10)3.4%
- Tata Consumer Products Ltd1.91%
Energy(1 in top 10)2.9%
- Reliance Industries Ltd2.27%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 64.2% a year.
Other top holdings
- NTPC Ltd1.90%
Money in, money out
- Net flow, 12 months
- +₹22 cr
- Net flow, 3 months
- +₹5 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Union Retirement Fund?
- ₹16.85 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Union Retirement Fund?
- 1.39% a year for the Direct plan, as of 31 Aug 2026.
- How large is Union Retirement Fund?
- ₹210 crore under management as of 31 Jul 2026, in the Retirement Fund category.
- How risky is Union Retirement Fund?
- Its SEBI Riskometer reading is "Very High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- What is the worst 3-year return of Union Retirement Fund?
- 12.8% a year – the weakest of 12 overlapping 3-year holding periods, beginning 1 Aug 2023. The median was 18.4% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Union Retirement Fund?
- Pratik Dharmshi, managing this fund for 1.7 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund – growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- HDFC Retirement Fund - Equity Plan₹6,998 crore
- SBI Retirement Benefit Fund - Aggressive Plan₹3,242 crore
- Nippon India Retirement Fund- Wealth Creation Scheme₹3,127 crore
- Tata Retirement Savings Fund-Progressive Plan₹2,255 crore
- Axis Retirement Fund - Dynamic Plan₹285 crore
- SBI Retirement Benefit Fund - Conservative Hybrid Plan₹255 crore
- BANDHAN RETIREMENT FUND₹185 crore
- Tata Retirement Savings Fund-Conservative Plan₹171 crore
Data: nyvo research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (BSE 500 Index) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.