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Union Retirement Fund Direct Growth
+17.53%
3Y annualised
-3.06% 1D
NAV: 19 Mar '26
₹15.54
Min. for SIP
₹500
Fund size
₹195.69 Cr
Expense ratio
1.16%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 3 months | ₹15,000 | ₹14,899 | -0.67% | |
| 6 months | ₹30,000 | ₹31,384 | +4.61% | |
| 1 year | ₹60,000 | ₹61,683 | +2.80% |
Holdings (79)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd. | Financial | Equity | 6.08% |
| ICICI Bank Ltd. | Financial | Equity | 5.95% |
| State Bank of India | Financial | Equity | 3.32% |
| Reliance Industries Ltd. | Energy | Equity | 2.60% |
| Multi Commodity Exchange Of India Ltd. | Services | Equity | 2.50% |
| Acutaas Chemicals Ltd. | Healthcare | Equity | 2.21% |
| Larsen & Toubro Ltd. | Construction | Equity | 2.19% |
| Bharat Electronics Ltd. | Capital Goods | Equity | 2.16% |
| Tata Consumer Products Ltd. | Consumer Staples | Equity | 2.16% |
| Infosys Ltd. | Technology | Equity | 2.09% |
| Solar Industries India Ltd. | Chemicals | Equity | 1.83% |
| Karur Vysya Bank Ltd. | Financial | Equity | 1.82% |
| Muthoot Finance Ltd. | Financial | Equity | 1.71% |
| NTPC Ltd. | Energy | Equity | 1.69% |
| GE Vernova T&D India Ltd | Capital Goods | Equity | 1.67% |
| Bharti Airtel Ltd. | Communication | Equity | 1.63% |
| Max Financial Services Ltd. | Financial | Equity | 1.62% |
| SJS Enterprises Ltd. | Automobile | Equity | 1.62% |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | Equity | 1.55% |
| Titan Company Ltd. | Consumer Discretionary | Equity | 1.55% |
| Mphasis Ltd. | Technology | Equity | 1.50% |
| Navin Fluorine International Ltd. | Chemicals | Equity | 1.44% |
| The Phoenix Mills Ltd. | Construction | Equity | 1.36% |
| Max Healthcare Institute Ltd. | Healthcare | Equity | 1.32% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 1.29% |
| HDFC Asset Management Company Ltd. | Financial | Equity | 1.24% |
| JK Cement Ltd. | Construction | Equity | 1.24% |
| Torrent Pharmaceuticals Ltd. | Healthcare | Equity | 1.23% |
| JIO Financial Services Ltd. | Financial | Equity | 1.19% |
| Ultratech Cement Ltd. | Construction | Equity | 1.15% |
| Azad Engineering Ltd. | Capital Goods | Equity | 1.14% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 1.13% |
| 360 One Wam Ltd. | Financial | Equity | 1.13% |
| KFin Technologies Ltd. | Financial | Equity | 1.12% |
| Gabriel India Ltd. | Automobile | Equity | 1.10% |
| Cummins India Ltd. | Capital Goods | Equity | 1.08% |
| JSW Steel Ltd. | Metals & Mining | Equity | 1.07% |
| Amber Enterprises India Ltd. | Consumer Discretionary | Equity | 1.06% |
| Ujjivan Small Finance Bank Ltd. | Financial | Equity | 1.04% |
| Jyoti CNC Automation Ltd. | Capital Goods | Equity | 1.03% |
| TVS Motor Company Ltd. | Automobile | Equity | 1.01% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 1.01% |
| Kirloskar Oil Engines Ltd. | Capital Goods | Equity | 0.98% |
| Tata Steel Ltd. | Metals & Mining | Equity | 0.98% |
| Eureka Forbes Ltd. | Metals & Mining | Equity | 0.97% |
| LG Electronics India Ltd. | Consumer Discretionary | Equity | 0.97% |
| Godrej Consumer Products Ltd. | Consumer Staples | Equity | 0.96% |
| Blue Star Ltd. | Consumer Discretionary | Equity | 0.95% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | Equity | 0.89% |
| Shriram Finance Ltd | Financial | Equity | 0.88% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | Equity | 0.88% |
| Oil India Ltd. | Energy | Equity | 0.87% |
| HCL Technologies Ltd. | Technology | Equity | 0.85% |
| DOMS Industries Ltd. | Consumer Staples | Equity | 0.85% |
| Hindalco Industries Ltd. | Metals & Mining | Equity | 0.80% |
| Trent Ltd. | Services | Equity | 0.80% |
| Bajaj Finance Ltd. | Financial | Equity | 0.79% |
| Tata Motors Ltd. | Automobile | Equity | 0.77% |
| Info Edge (India) Ltd. | Services | Equity | 0.68% |
| Dixon Technologies (India) Ltd. | Capital Goods | Equity | 0.65% |
| Kei Industries Ltd. | Capital Goods | Equity | 0.65% |
| Home First Finance Company India Ltd. | Financial | Equity | 0.61% |
| Lupin Ltd. | Healthcare | Equity | 0.59% |
| Eternal Ltd. | Services | Equity | 0.57% |
| Data Patterns (India) Ltd. | Capital Goods | Equity | 0.57% |
| CG Power and Industrial Solutions Ltd. | Capital Goods | Equity | 0.56% |
| Endurance Technologies Ltd. | Automobile | Equity | 0.54% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.54% |
| Computer Age Management Services Ltd. | Services | Equity | 0.52% |
| JSW Energy Ltd. | Capital Goods | Equity | 0.50% |
| Tech Mahindra Ltd. | Technology | Equity | 0.49% |
| Tata Motors Passenger Vehicles Ltd. | Automobile | Equity | 0.49% |
| KSB Ltd. | Capital Goods | Equity | 0.49% |
| CarTrade Tech Ltd. | Services | Equity | 0.46% |
| Schneider Electric Infrastructure Ltd. | Capital Goods | Equity | 0.42% |
| Elantas Beck India Ltd. | Chemicals | Equity | 0.18% |
| Reserve Bank of India | Financial | T-Bills | 0.08% |
| ITC Hotels Ltd. | Services | Equity | 0.04% |
| TVS Motor Company Ltd - Pref. Shares | Automobile | Pref. Shares | 0.01% |
See All
Minimum investments
Min. for 1st investment
₹1,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹500
Returns and rankings
Annualised returns
Absolute returns
| Name | 6M | 1Y | 3Y | All |
|---|---|---|---|---|
| Fund returns | -7.0% | +6.6% | +17.5% | +13.5% |
| Category average (Equity Flexi Cap) | -0.4% | +2.2% | +16.0% | -- |
| Rank (Equity Flexi Cap) | -- | 12 | 17 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
If you redeem within one year, returns are taxed at 20%. If you redeem after one year, returns exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
HDFC Flexi Cap Direct Plan Growth | +4.70% | +19.67% | 1,00,455.32 | |
Parag Parikh Flexi Cap Fund Direct Growth | +6.03% | +19.13% | 1,34,253.17 | |
Invesco India Flexi Cap Fund Direct Growth | +0.64% | +19.05% | 4,679.85 | |
HSBC Flexi Cap Fund Direct Growth | +4.18% | +17.38% | 5,278.84 | |
Franklin India Flexi Cap Fund Direct Growth | +0.98% | +16.68% | 19,597.86 | |
| Compare | ||||
Fund management
PDPratik DharmshiDec 2024 - PresentView details
PD
Pratik Dharmshi
Dec 2024 - Present
View details
PVPratit VajaniJul 2025 - PresentView details
PV
Pratit Vajani
Jul 2025 - Present
View details
About Union Retirement Fund Direct Growth
Union Retirement Fund Direct Growth is a Equity Mutual Fund Scheme launched by Union Mutual Fund. This scheme was made available to investors on 30 Dec 2009. Pratik Dharmshi is the Current Fund Manager of Union Retirement Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹27,079 Cr and the Latest NAV as of 19 Mar 2026 is ₹15.54.
The Union Retirement Fund Direct Growth is rated Very High risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹1,000.
;
Investment Objective
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 benchmarkBSE 500 Total Return Index
Fund house
Rank (total assets)#27 in India
Total AUM₹27,078.54 Cr
Date of Incorporation30 Dec 2009
Launch Date30 Dec 2009
AddressUnit 503, 5th Floor,Leela Business Park, Andheri Kurla Road,Andheri (East) Mumbai 400059
CustodianSBI SG Global Securities Services Pvt.Ltd.
Registrar & Transfer AgentCams
Email[email protected]
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,