August 19, 2025
RA Jainee
Union Retirement Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 16.2400
NAV IDCW: Rs 16.2400
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.
Like for all equity funds, you must invest only through the SIP route.
Fund’s Investment Strategy:
The Scheme seeks to generate long term capital gains by investing in a mix of securities comprising of equity, equity related securities and debt instruments as per the asset allocation pattern of the Scheme with a view to provide a retirement investment solution to investors.
Fund Manager:
1) Pratik Dharmshi
Education: Mr. Dharmshi has done B. Com & CA
Experience: Prior to joining Union AMC, he was associated with UTI Pension Fund Limited, Safe Enterprises, Girik Capital, Edelweiss AMC, JP Morgan India Pvt. Ltd., CRISIL Ltd. & Morgan Stanley Advantage Services Pvt. Ltd.
2) Pratit Vajani
Education: PGDM (MDI Gurgaon), B.Tech (VJTI)
Experience: Prior to joining Union AMC, Mr. Vajani was associated with ICICI Securities Ltd and Price water house Coopers Private Limited.
Investment Details
| Min. Investment (Rs) | 1,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 1,000 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | — |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of Union Retirement Fund
| Fund House | Union Mutual Fund |
| Launch Date | 22-Sep-22 |
| Return Since Launch | 18.15% |
| Benchmark | BSE 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 175 Cr |
| (As on 31-Jul-2025) | |
| Expense | 1.00% |
| (As on 31-Jul-2025) | |
| Risk Grade | — |
| Return Grade | — |
| Turnover | 40.00% |
Trailing Returns (%) of Union Retirement Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Union Retirement Dir | 3.37 | 1.18 | -0.25 | 2.85 | 13.41 | 3.22 | — | — | — | — |
| BSE 500 TRI | 3.24 | 1.12 | -1.26 | 0.77 | 11.82 | 0.00 | — | — | — | — |
| Equity: Flexi Cap | 1.55 | 1.12 | -1.01 | 1.52 | 12.15 | 1.42 | — | — | — | — |
| Rank within category | 31 | 38 | 31 | 22 | 29 | 34 | — | — | — | — |
| Number of funds in category | 96 | 106 | 103 | 101 | 97 | 88 | 70 | 54 | 41 | 35 |
Peer Comparison of Union Retirement Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Union Retirement Dir | Unrated | 3.22 | — | — | 1.00 | 175 | 18.15 | — | 2Y 10M | 40.00 |
| Parag Parikh Flexi Cap Dir | 5 star | 10.09 | 20.86 | 23.94 | 0.63 | 1,13,281 | 19.97 | 2.00 (365) | 12Y 2M | 18.49 |
| HDFC Flexi Cap Dir | 5 star | 9.11 | 22.96 | 28.46 | 0.72 | 80,642 | 17.12 | 1.00 (365) | 12Y 7M | 20.37 |
| HDFC Focused Dir | 5 star | 10.50 | 23.68 | 29.02 | 0.59 | 21,456 | 16.00 | 1.00 (365) | 12Y 7M | 24.68 |
| Franklin India Flexi Cap Dir | 4 star | 1.61 | 19.17 | 25.06 | 0.89 | 18,988 | 16.84 | 1.00 (365) | 12Y 7M | 19.82 |
Portfolio Analysis of Union Retirement Fund
| No. of Stocks | 79 |
| Top 10 Stocks | 34.10% |
| Top 5 Stocks | 23.63% |
| Top 3 Sectors | 48.81% |
| Portfolio P/B Ratio | 4.15 |
| Portfolio P/E Ratio | 30.17 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,53,541 | 1,80,247 |
| Giant (%) | 46.52 | 50.47 |
| Large (%) | 21.13 | 22.66 |
| Mid (%) | 23.69 | 21.80 |
| Small (%) | 8.67 | 6.50 |
| Tiny (%) | — | 0.18 |
Chanakya’s Mutual Fund Guidance For Union Retirement Fund
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