October 20, 2026
mayank
Union Retirement Fund
| Fund at a Glance | |
| NAV Growth (Rs.) | 16.73 |
| NAV IDCW (Rs.) | 16.54 |
| Bonus NaV (Rs.) | — |
| Min. Investment (Rs.) | 1,000 |
| Min. SIP Investment (Rs) | 500 |
| Min. No of Cheques | 6 |
| Benchmark | BSE 500 TRI |
| AUM Rs. | 207 Cr |
| (As on 30-Sep-2026) | |
| Expense | 0.98% |
| 1 Year Return (%) | 0.60 |
| 3 Year Return (%) | 11.56 |
| 5 Year Return (%) | — |
| 10 Year Return (%) | — |
| Return Since Launch | 13.49% |
Suitable For Which Investors?
Flexi-cap funds are suitable for investors:
1. Seeking exposure in a diversified set of stocks for high returns
2. Aiming for long-term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
• The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier
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 | 13.49% |
| Benchmark | BSE 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | 207 Cr |
| (As on 30-Sep-2026) | |
| Expense | 0.98% |
| (As on 30-Sep-2026) | |
| Risk Grade | Low |
| Return Grade | Above Average |
| Turnover | 44.00% |
Union Retirement Fund Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Union Retirement Dir | -0.89 | -0.06 | -1.41 | -4.40 | 0.97 | 0.60 | 11.56 | — | — | — |
| BSE 500 TRI | -6.52 | 0.74 | -1.21 | -4.27 | -1.24 | -4.45 | 9.16 | — | — | — |
| Equity: Flexi Cap | -2.24 | 0.31 | -1.11 | -3.00 | 1.80 | -1.30 | 11.03 | — | — | — |
| Rank within category | 25 | 65 | 56 | 56 | 35 | 20 | 21 | — | — | — |
| Number of funds in category | 74 | 82 | 82 | 78 | 78 | 71 | 55 | 41 | 32 | 23 |
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 | 4 out of 5 stars | 0.60 | 11.56 | — | 0.98 | 207 | 13.49 | — | 4Y | 44.00 |
| Parag Parikh Flexi Cap Dir | 4 out of 5 stars | -3.06 | 12.53 | 10.60 | 0.53 | 1,45,070 | 17.87 | 2.00 (365) | 13Y 4M | 17.09 |
| HDFC Flexi Cap Dir | 5 out of 5 stars | -2.73 | 14.74 | 14.62 | 0.57 | 1,08,547 | 15.55 | 1.00 (365) | 13Y 9M | 11.74 |
| ABSL Flexi Cap Dir | 4 out of 5 stars | 4.45 | 13.92 | 10.23 | 0.70 | 27,982 | 15.84 | 1.00 (90) | 13Y 9M | 20.00 |
| ICICI Pru Flexi Cap Dir | 4 out of 5 stars | 0.53 | 14.44 | 13.60 | 0.65 | 25,141 | 15.14 | 1.00 (30) | 5Y 2M | 25.00 |
Union Retirement Fund Portfolio Analysis
| No. of Stocks | 78 |
| Top 10 Stocks | 27.49% |
| Top 5 Stocks | 17.47% |
| Top 3 Sectors | 63.57% |
| Portfolio P/B Ratio | 4.34 |
| Portfolio P/E Ratio | 29.65 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,05,678 | 1,47,884 |
| Large (%) | 47.82 | 55.94 |
| Mid (%) | 20.93 | 21.47 |
| Small (%) | 31.25 | 22.59 |
Note: Mutual fund investments are subject to market risks, read all scheme-related documents carefully.
Apply Online: https://www.unionmf.com/investorlogin/
>> Post your MF questions @ sahifund.com/ask-me/
>> NFO Guidance: https://sahifund.com/category/nfos/
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