Union Retirement Fund
NAV
₹17.79
as of 21 Aug 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 ₹17.79 as of 21 Aug 2026. The expense ratio is 0.98% a year. Managed by Pratik Dharmshi. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.98% / yr
- as of 30 Jun 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 20 Aug 2026Benchmark: BSE 500 Index
Union Retirement Fund
₹178
+78% on ₹100 over 3.9 yrs
Retirement Fund average
₹152
+52% on ₹100 over 3.9 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 6 months | 4.16% | – | – |
| 1 year | 8.42% | – | – |
| 3 years (CAGR) | 15.33% | – | – |
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
- 16.2%
- Best
- 44.0%
34 windows over the last 45 months, stepped monthly; 91% 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
- 16.7%
- Median
- 18.7%
- Best
- 19.2%
10 windows over the last 45 months, stepped monthly; 100% ended positive. Worst window began 3 Apr 2023. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.60
- Sortino ratio (3Y)
- 0.90
- Standard deviation (3Y)
- 14.04%
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
-0.2% below peak
Where the money actually is
Equity
98.8%
Cash
1.2%
Whole-portfolio split, as of 30 Jun 2026. The size split below covers only the equity slice of this.
What it owns
82 positions · top 10 = 29.1%
Market-cap mix (equity sleeve)
Large 51.9%Mid 20.9%Small 25.9%Other 1.3%
as of 30 Jun 2026
Holdings by sector
Financial Services(4 in top 10)27.6%
- ICICI Bank Ltd6.00%
- HDFC Bank Ltd5.41%
- Multi Commodity Exchange of India Ltd2.48%
- State Bank of India2.24%
Industrials(1 in top 10)17.0%
- GE Vernova T&D India Ltd2.04%
Consumer Cyclical(1 in top 10)17.0%
- SJS Enterprises Ltd1.94%
Basic Materials(2 in top 10)11.4%
- Solar Industries India Ltd2.40%
- Acutaas Chemicals Ltd2.05%
- Technology7.7%
- Healthcare5.4%
- Consumer Defensive4.6%
Energy(1 in top 10)3.0%
- Reliance Industries Ltd2.51%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 30 Jun 2026. Portfolio turnover 64.2% a year.
Other top holdings
- NTPC Ltd1.99%
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?
- ₹17.79 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Union Retirement Fund?
- 0.98% a year for the Direct plan, as of 30 Jun 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?
- 16.7% a year — the weakest of 10 overlapping 3-year holding periods, beginning 3 Apr 2023. The median was 18.7% 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 1.6 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 Savings Fund - Equity Plan₹7,014 crore
- SBI Retirement Benefit Fund - Aggressive Plan₹3,159 crore
- Nippon India Retirement Fund- Wealth Creation Scheme₹3,135 crore
- Tata Retirement Savings Fund-Moderate Plan₹2,218 crore
- Axis Retirement Fund - Dynamic Plan₹285 crore
- SBI Retirement Benefit Fund - Conservative Hybrid Plan₹256 crore
- BANDHAN RETIREMENT FUND₹183 crore
- Tata Retirement Savings Fund-Conservative Plan₹169 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.