Union Retirement Fund - Direct Plan - IDCW

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Retirement Fund

Fund House : Union Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 16.58 -0.96%
(as on 06th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 177.93 Cr

(0.56% of Investment in Category)

Expense Ratio

: 1.11%

(0.96% Category average)

Risk-O-Meter

Very High Risk

Retirement Fund :Retirement Fund : The fund has 97.67% investment in domestic equities of which 32.52% is in Large Cap stocks, 17.42% is in Mid Cap stocks, 17.93% in Small Cap stocks.The fund has 0.08% investment in Debt, of which 0.08% in Government securities.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

BSE 500 TRI

2.21%

4.65%

8.44%

3.59%

18.3%

19.92%

15.88%
NA
0.81%

2.62%

5.92%

4.63%

14.66%

14.13%

12.8%

NA
Gold

Compare with

Date : -
NAV : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 06th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	30-Oct-25	9869.00	-1.31%	-	-0.75%	22/29
1 Month	06-Oct-25	10060.70	0.61%	-	0.81%	18/29
3 Month	06-Aug-25	10362.50	3.62%	-	2.62%	7/29
6 Month	06-May-25	10915.10	9.15%	-	5.92%	4/29
YTD	01-Jan-25	10487.00	4.87%	-	5.45%	11/29
1 Year	06-Nov-24	10362.50	3.62%	3.62%	4.63%	19/29
2 Year	06-Nov-23	13956.20	39.56%	18.11%	14.66%	7/27
3 Year	04-Nov-22	16383.40	63.83%	17.83%	13.85%	5/26
Since Inception	22-Sep-22	16580.00	65.80%	17.56%	12.80%	4/29

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 06th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	06-Nov-24	12000	12765.5	6.38 %	11.97 %
2 Year	06-Nov-23	24000	26782.29	11.59 %	10.9 %
3 Year	04-Nov-22	36000	45646.43	26.8 %	16 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 38.00% | Category average turnover ratio is 48.08%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 97.67% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 97.67%

No of Stocks : 75 (Category Avg - 53.59) | Large Cap Investments : 32.52%| Mid Cap Investments : 17.42% | Small Cap Investments : 17.93% | Other : 29.8%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	123.6	6.95%	-0.58%	8.42% (Feb 2025)	6.95% (Sep 2025)	1.30 L	-8.00 k
ICICI Bank Ltd.	Private sector bank	105.5	5.93%	-0.34%	6.95% (Apr 2025)	4.74% (Dec 2024)	78.29 k	0.00
Reliance Industries Ltd.	Refineries & marketing	58.2	3.27%	-0.05%	3.76% (Oct 2024)	3.27% (Sep 2025)	42.64 k	0.00
Infosys Ltd.	Computers - software & consulting	49.5	2.78%	-0.11%	3.48% (Mar 2025)	2.78% (Sep 2025)	34.30 k	0.00
Tata Consumer Products Ltd.	Tea & coffee	41.8	2.35%	0.09%	2.68% (Apr 2025)	0% (Oct 2024)	37.00 k	0.00
State Bank Of India	Public sector bank	38.4	2.16%	0.14%	2.16% (Sep 2025)	1.66% (Dec 2024)	44.00 k	0.00
Bharat Electronics Ltd.	Aerospace & defense	38.4	2.16%	0.32%	2.16% (Sep 2025)	0.99% (Feb 2025)	95.00 k	8.00 k
- Larsen & Toubro Ltd.	Civil construction	36.6	2.06%	0.00%	3.08% (Nov 2024)	2.06% (Sep 2025)	10.00 k	0.00
Muthoot Finance Pvt. Ltd.	Non banking financial company (nbfc)	34.2	1.92%	0.24%	1.92% (Sep 2025)	1.38% (Nov 2024)	11.10 k	0.00
Mphasis Ltd.	Computers - software & consulting	34	1.91%	-0.14%	2.05% (Aug 2025)	0.97% (May 2025)	12.80 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 1 (Category Avg - 8.55) | Modified Duration 0.00 Years (Category Avg - 5.49)| Yield to Maturity - -- (Category Avg - 6.70%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	23.75%
T-Bills	0.08%	0.00%
NCD & Bonds	0.00%	9.04%
PTC	0.00%	0.34%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.08%	23.76%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.35%
Net Receivables	Net Receivables	-0.10%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

12.45vs7.77

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.94vs0.99

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.85vs0.81

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.11vs0.07

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

1vs0.48

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth	NA	1410.05	2.98	5.86	16.05	11.28	25.42
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	937.42	1.47	5.36	13.12	9.12	21.82
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth	NA	83.12	0.54	2.57	6.02	8.35	11.91
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	113.45	1.73	4.49	7.98	7.08	14.75
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth	NA	98.13	0.15	1.03	2.05	7.01	7.45
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.37	0.91	2.60	4.80	6.97	9.99
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth	NA	17.09	0.27	1.09	1.90	6.31	6.88
Baroda BNP Paribas Retirement Fund - Direct Plan - Growth	NA	376.30	1.76	4.09	7.76	6.00	0.00
Bandhan Retirement Fund - Direct Plan - Growth	NA	182.16	0.79	3.04	5.43	5.90	0.00
Franklin India Retirement Fund - Direct - Growth	NA	513.48	0.67	1.74	3.85	5.47	11.29

Detailed Comparison

More Funds from Union Mutual Fund

Out of 32 mutual fund schemes offered by this AMC, 1 is/are ranked 4 * , 8 is/are ranked 3 * , 6 is/are ranked 2 * , and 17 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Union Liquid Fund - Direct Plan - Growth	4	5008.37	0.49	1.46	3.05	6.79	7.11
Union Flexi Cap Fund - Direct Plan - Growth	3	2338.33	1.64	3.20	8.19	6.62	16.33
Union Flexi Cap Fund - Direct Plan - Growth	3	2338.33	1.64	3.20	8.19	6.62	16.33
Union Small Cap Fund - Direct Plan - Growth	2	1710.49	2.54	3.98	18.49	2.65	18.53
Union Midcap Fund - Direct Plan - Growth	3	1550.58	2.55	4.56	15.34	9.00	20.82
Union Balanced Advantage Fund - Direct Plan - Growth	NA	1345.26	1.87	2.81	6.08	7.61	11.76
Union Multicap Fund - Direct Plan - Growth	NA	1274.59	3.15	4.79	13.29	6.76	0.00
Union Innovation & Opportunities Fund - Direct Plan - Growth	NA	1068.20	2.00	5.82	18.45	7.53	0.00
Union Large and Mid Cap Fund - Direct Plan - Growth	3	914.13	2.02	3.86	11.72	7.55	16.92
Union ELSS Tax Saver Fund - Direct Plan - Growth	3	895.16	2.35	3.70	10.64	6.31	16.25