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Union Retirement Fund(IDCW) Direct IDCW

IDCW
16.280.85% (-0.14)
High
Low
Returns
0.00%
0.00%
1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP

Solution Oriented, Retirement Fund - Equity Oriented

Small-size Fund

Assets Under Mgmt: ₹ 177 Cr

Very High Risk

Principle investment will be at very high risk

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Solution Oriented, Retirement Fund - Equity Oriented

Small-size Fund

Assets Under Mgmt: ₹ 177 Cr

Very High Risk

Principle investment will be at very high risk

Union Retirement Fund(IDCW) Performance & Key Metrics

Union Retirement Fund(IDCW) Performance & Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
10.02
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.660.06

Union Retirement Fund(IDCW) Scheme InfoUnion Retirement Fund(IDCW) Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW5 yrs0.00%
Nil
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 1,000
Initial: ₹ 1,000 Incremental: ₹ 1,000
BenchmarkBenchmark
BSE 500 - TRI

About Solution Oriented, Retirement Fund - Equity Oriented

About Solution Oriented, Retirement Fund - Equity Oriented

Retirement-focused equity-oriented funds primarily invest in stocks to help build a long-term corpus. They are ideal for investors with a long investment horizon and higher risk appetite.

Union Retirement Fund(IDCW) Peers

Union Retirement Fund(IDCW) Peers & Comparison

Comparing 3 mutual funds from 
OtherSolution Oriented, Retirement Fund - Equity Oriented
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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
Union Retirement Fund(IDCW)3.69%18.99%
Nippon India Retirement Fund-Wealth Creation(IDCW)-7.49%14.14%8.77%
SBI Retirement Benefit Fund-Aggressive Plan(IDCW)-0.18%18.51%18.75%
ICICI Pru Retirement Fund-Pure Equity Plan(IDCW)8.64%27.63%22.17%

Union Retirement Fund(IDCW) Returns Comparison

Compare Union Retirement Fund(IDCW) with any MF, ETF, stock or index
Compare Union Retirement Fund(IDCW) with any MF, ETF, stock or index
Union Retirement Fund(IDCW)
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Union Retirement Fund(IDCW) Portfolio

Union Retirement Fund(IDCW) Asset Allocation

Union Retirement Fund(IDCW) Asset Allocation

Actual

Target

Sep 2024

Dec 2024

Mar 2025

Jun 2025

ACTUAL
Treasury BillsCash & EquivalentsEquity0.08%3.38%96.54%

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Tickertape Separator

Union Retirement Fund(IDCW) Sector Distribution

Union Retirement Fund(IDCW) Sector Distribution

+30 moreConstruction & EngineeringPharmaceuticalsSpecialized FinanceIT Services & ConsultingPrivate Banks53.60 %5.35 %6.88 %7.89 %8.77 %17.51 %

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Tickertape Separator

Union Retirement Fund(IDCW) Sector Weightage

Union Retirement Fund(IDCW) Sector Weightage

Mar 24Jun 24Sep 24Dec 24Mar 25Jun 2512.05%13.42%13.23%15.27%18.26%17.51%
Private Banks as a % of total holdings for last six quarters
Tickertape Separator

Union Retirement Fund(IDCW) Current Holdings

Union Retirement Fund(IDCW) Current Holdings

Equity

Debt

Others

  • Constituent
    Holding Weight
    3M Change

AMC Profile of Union Retirement Fund(IDCW)

AMC Profile of Union Retirement Fund(IDCW)

Union Asset Management Company Pvt. Ltd (the AMC) is the approved Asset Management Company of Union Mutual Fund which was granted a Certificate of Registration by the SEBI in March 2011.

Union Asset Management Company Pvt. Ltd (the AMC) is the approved Asset Management Company of Union Mutual Fund which was granted a Certificate of Registration by the SEBI in March 2011.

  • No.of Schemes

    29

  • Total AUM

    ₹ 20,636.42 Cr.

Union Retirement Fund(IDCW) Manager Details

Union Retirement Fund(IDCW) Manager Details

Union Retirement Fund(IDCW) Manager Profile

Union Retirement Fund(IDCW) Manager Profile

Pratik Dharmshi

AUM:  ₹5,758.38 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 9yrs

Pratit Vajani

AUM:  ₹177.36 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp:

Union Retirement Fund(IDCW) Manager Performance (0)

Union Retirement Fund(IDCW) Manager Performance (0)

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Union Retirement Fund(IDCW) Tax Implications

Union Retirement Fund(IDCW) Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Invested period > 2 years(Investments from 1st April 2023 redeemed till 31st March 2025)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023 redeemed after 31st March 2025)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

+

-
Returns can't be withdrawn/realised during the lock-in period. Tax is only applicable on realised gains.

You make

(unrealised)

Union Retirement Fund(IDCW) Review & Opinions

Union Retirement Fund(IDCW) Review & Opinions

The content here in the form of articles and videos is for information purposes only and may have been sourced from publicly available sources or otherwise. Tickertape does not guarantee the authenticity and veracity of the material shared. The User understands and agrees that Tickertape is not aware nor liable for any content shared here.
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Frequently asked questions

Frequently asked questions

  1. What is the current price / NAV of Union Retirement Fund(IDCW)?

    The current NAV of Union Retirement Fund(IDCW) is ₹16.28, as of 11th July 2025.

  2. What are the returns of Union Retirement Fund(IDCW)?

    The Union Retirement Fund(IDCW) was launched on 22nd September 2022. This mutual fund's past returns are as follows:
    • 1 Year Returns: 3.69%

  3. What are the top 5 sectoral holdings of Union Retirement Fund(IDCW)?

    The top sectors Union Retirement Fund(IDCW) has invested in are as follows:
    • Private Banks | 17.51%
    • IT Services & Consulting | 8.77%
    • Specialized Finance | 7.89%
    • Pharmaceuticals | 6.88%
    • Construction & Engineering | 5.35%
    This data is as on 11th July 2025.

  4. What are the top 5 holdings of Union Retirement Fund(IDCW)?

    The top 5 holdings for Union Retirement Fund(IDCW) are as follows:
    • HDFC Bank Ltd | 7.79%
    • ICICI Bank Ltd | 6.38%
    • TREPS | 3.90%
    • Reliance Industries Ltd | 3.61%
    • Bharti Airtel Ltd | 3.30%
    This data is as on 11th July 2025.

  5. What is the asset allocation of Union Retirement Fund(IDCW)?

    The asset allocation for Union Retirement Fund(IDCW) is as follows:
    • Equity | 96.54%
    • Cash & Equivalents | 3.38%
    • Treasury Bills | 0.08%
    This data is as on 11th July 2025.

  6. What is the AUM of Union Retirement Fund(IDCW)?

    The AUM (i.e. assets under management) of Union Retirement Fund(IDCW) is ₹177.36 Cr as of 11th July 2025.

  7. What is the expense ratio of Union Retirement Fund(IDCW)?

    The expense ratio of Union Retirement Fund(IDCW) Plan is 1 as of 11th July 2025.

  8. Is there any lock-in period for Union Retirement Fund(IDCW)?

    The Union Retirement Fund(IDCW) has a lock-in period of 5 years.

  9. What is the alpha ratio of Union Retirement Fund(IDCW)?

    The alpha ratio for the Union Retirement Fund(IDCW) is 4.95

    Alpha is the excess return of a fund compared to its expected return, based on its beta and the risk-free rate. Positive alpha indicates that the fund has outperformed its expected return, while negative alpha suggests underperformance.

  10. What is the volatility or standard deviation of Union Retirement Fund(IDCW)?

    The volatility or standard deviation for the Union Retirement Fund(IDCW) is 14.54

    Standard deviation measures the volatility or risk associated with the returns of a mutual fund. A higher standard deviation indicates higher volatility, suggesting that the returns of the mutual fund are more spread out from the average. On the other hand, a lower standard deviation implies lower volatility and a more stable performance.

  11. What is the sharpe ratio of Union Retirement Fund(IDCW)?

    The Sharpe ratio for the Union Retirement Fund(IDCW) is 0.02

    The Sharpe ratio is a measure of risk-adjusted return that evaluates the performance of a mutual fund, by adjusting for its risk. Higher Sharpe ratio indicates a better risk-adjusted performance. A positive Sharpe ratio indicates that the MF has provided a return in excess of the risk-free rate for the amount of risk taken. Conversely, a negative Sharpe ratio suggests that the MF did not adequately compensate for the risk.

  12. What is the Sortino ratio of Union Retirement Fund(IDCW)?

    The Sortino Ratio for the Union Retirement Fund(IDCW) is 0.00

    The Sortino ratio of a mutual fund is a measure of its risk-adjusted return, considering only downside volatility. It helps investors evaluate how well a fund is performing relative to its downside risk. A higher Sortino ratio (value >1) means the fund generates better returns for the downside risk taken.