Union Retirement Fund (IDCW)

Retirement Fund

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NAV
15.83(0.25%)
Fund Size (CR)
₹195.84
Expense Ratio
2.42
Scheme Type
Active Fund
Value Research
-

Min. investment
₹1,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1,000
Exit Load
0%
Return Since Launch
13.29%

Absolute Return: -2.46%

Annualized Return: 0%

Basic Details

Scheme Manager

Pratik Dharmshi

Bench Mark

BSE 500 TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	May 13, 2026	10070.15	0.70%	-	0.54%	40/106
1 Month	April 20, 2026	9899.69	-1.00%	-	-0.91%	44/106
3 Month	February 20, 2026	9771.04	-2.29%	-	-1.77%	58/106
6 Month	November 20, 2025	9740.90	-2.59%	-	-2.82%	47/106
1 Year	May 20, 2025	10533.69	5.34%	5.34%	1.74%	20/106
3 Year	May 19, 2023	15510.81	55.11%	15.73%	11.64%	21/94
5 Year	-	-	-	-	-	-/-
Since Inception	September 22, 2022	15790.00	57.90%	13.29%	10.31%	24/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	June 2, 2025	1,20,000	121408.23	1.17%	1.17%
3 Year	June 1, 2023	3,60,000	405209.11	12.56%	4.02%
5 Year	-	-	-	-	-
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

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Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

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Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

3.94%

Standard Deviation

0.95%

Beta

0.56%

Sharpe Ratio

-0.00%

Treynor's Ratio

7.16%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
ICICI Bank	5.81%	90000	11.37	Equity	Banks
HDFC Bank	5.52%	140000	10.80	Equity	Banks
Multi Comm. Exc.	3.03%	20000	5.94	Equity	Financial Services
Reliance Industr	2.67%	36500	5.22	Equity	Refineries
Acutaas Chemical	2.65%	20000	5.19	Equity	Pharmaceuticals
SBI	2.62%	48000	5.13	Equity	Banks
NTPC	2.34%	115000	4.59	Equity	Power Generation & Distribution
Tata Consumer	2.16%	37000	4.24	Equity	Plantation & Plantation Products
Solar Industries	2.09%	2650	4.09	Equity	Aerospace & Defence
Larsen & Toubro	2.05%	10000	4.01	Equity	Infrastructure Developers & Operators

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1868.90	-0.92%	0.29%	-0.18%	12.97%	25.57%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1868.90	-0.91%	0.29%	-0.18%	12.96%	25.55%
ICICI Pru Retirement Fund - Hybrid AP - Dir (G)	1156.55	0.30%	0.40%	0.80%	12.14%	22.42%
ICICI Pru Retirement Fund - Hybrid AP - Dir (IDCW)	1156.55	0.30%	0.43%	0.80%	12.14%	22.41%
Aditya Birla SL Retirement-The 30s Plan-Dir (IDCW)	433.33	0.67%	1.83%	1.13%	10.79%	18.01%

List of Schemes under Union Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Union Multicap Fund	Equity	Very High	8.54%	0	₹1,329.16
Union Largecap Fund	Equity	Very High	-1.15%	3	₹439.14
Union Large & Midcap Fund	Equity	Very High	5.53%	2	₹919.59
Union Midcap Fund	Equity	Very High	11.76%	3	₹1,705.41
Union Small Cap Fund	Equity	Very High	18.55%	2	₹1,979.63
Union Value Fund	Equity	Very High	2.71%	2	₹373.14
Union Focused Fund	Equity	Very High	7.62%	2	₹417.69
Union Innovation & Opportunities Fund	Equity	Very High	7.46%	0	₹1,105.15
Union Business Cycle Fund	Equity	Very High	5.59%	0	₹507.17
Union Active Momentum Fund	Equity	Very High	7.84%	0	₹440.27
Union Consumption Fund	Equity	Very High	0%	0	₹316.87
Union ELSS Tax Saver Fund	Equity	Very High	1.2%	3	₹840.89
Union Overnight Fund	Debt	Low	5.37%	4	₹411.06
Union Liquid Fund	Debt	Moderately Low	6.28%	3	₹8,162.69
Union Low Duration Fund	Debt	Moderately Low	0%	0	₹575.54
Union Money Market Fund	Debt	Moderately Low	6.27%	1	₹876.64
Union Short Duration Fund	Debt	Moderate	4.13%	0	₹85.86
Union Dynamic Bond Fund	Debt	Moderate	-2.9%	1	₹92.29
Union Corporate Bond Fund	Debt	Moderate	3.11%	2	₹513.78
Union Gilt Fund	Debt	Moderate	-3.98%	2	₹89.86
Union Aggressive Hybrid Fund	Hybrid	Very High	1.95%	2	₹707.07
Union Balanced Advantage Fund	Hybrid	High	1.36%	3	₹1,241.37
Union Multi Asset Allocation Fund	Hybrid	Very High	15.87%	0	₹963.63
Union Arbitrage Fund	Hybrid	Low	6.29%	2	₹238.91
Union Equity Savings Fund	Hybrid	Moderate	2.56%	1	₹142.05
Union Retirement Fund	Solution Oriented	Very High	6.67%	3	₹195.84
Union Children's Fund	Solution Oriented	Very High	3.04%	0	₹83.42
Union Gold ETF Fund of Fund	Other	High	65.02%	0	₹163.25
Union Income Plus Arbitrage Active FOF	Other	Moderate	0%	0	₹65.49
Union Diversified Equity All Cap Active FOF	Other	Very High	0%	0	₹186.66
Union Flexi Cap Fund	Equity	Very High	0.91%	3	₹2,294.07

News

Union Mutual Fund announces Appointment of Key Personnel
Union Mutual Fund has announced that Mr. Dhananjay Terdal has been appointed as the Head- Operations and a Key Personnel of the Union Asset Management Company Private Limited with effect from May 04, 2026.
Details of Mr. Dhananjay Terdal
Age: 43 years
Designation: Head- Operations
Qualification: B.com / Executive Post Graduate Program in Business Management (Finance) .
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Union Mutual Fund announces Income Distribution cum capital withdrawal (IDCW)
Union Mutual Fund has announced 08 May 2026 as the record date for declaration of IDCW Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The quantum of dividend (Rs per unit) on the face value of Rs 10 per unit will be:
Union Balanced Advantage Fund ' Regular Plan ' IDCW Option: 0.17
Union Balanced Advantage Fund ' Direct Plan ' IDCW Option: 0.17
Union Aggressive Hybrid Fund ' Regular Plan ' IDCW Option: 0.15
Union Aggressive Hybrid Fund ' Direct Plan ' IDCW Option: 0.15
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Suspension of investments in Union Fixed Maturity Plan - Series 13 (1114 Days)
Units of Union Fixed Maturity Plan - Series 13 (1114 Days) has been suspended on NSE from April 13, 2026 and the close-ended scheme is set to mature on April 15, 2026.

Fund House Details & Investment Objective

Date of Incorporation

September 1, 2022

Total AUM (Cr)

₹195.84

Union Retirement Fund (IDCW) is an Retirement Fund-oriented fund from the renowned AMC, Union Mutual Fund. Launched in September 1, 2022, this fund is managed by Pratik Dharmshi. With assets under management (AUM) worth ₹195.84 (Cr), as of May 21, 2026, Union Retirement Fund (IDCW) is categorized as a Retirement Fund within its segment. The fund has generated a return of 13.29% since its launch.
The current NAV of Union Retirement Fund (IDCW) is ₹15.83, as on May 21, 2026. The fund's benchmark index is BSE 500 TRI. You can invest in Union Retirement Fund (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹1,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 15.73% and undefined% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 98.90% in Equity, 1.26% in Debt and -0.16% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 17.25% in Banks, 6.88% in Pharmaceuticals & Biotech, 6.55% in Capital Markets, 6.00% in Consumer Durables, 5.71% in IT-Software

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