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Blog

Union Retirement Fund Direct Growth

Equity
Flexi Cap
Very High Risk
5Y Lock In
1M
6M
1Y
All
NAV: 21 May 2025₹15.69
Min. SIP amount₹500
RatingNA
Fund size₹160.70Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of ₹0
Would have become ₹ (%)

Returns and rankings

Category: Equity Flexi Cap
Absolute returns
3M6M1YAll
Fund returns10.0%3.6%10.2%57.9%
Category averageNANA7.4%NA
Rank with in category504851NA
Understand terms

Peer Comparison

Equity, Flexi Cap fundsRating1Y3YFund Size(Cr)
JM Flexicap Fund Direct Plan Growth
5
2.4%28.5%5,625.21
HDFC Flexi Cap Direct Plan Growth
5
16.3%26.7%74,105.46
Franklin India Flexi Cap Fund Direct Growth
4
11.6%23.3%18,224.57
Parag Parikh Flexi Cap Fund Direct Growth
5
14.7%23.0%98,541.28
HSBC Flexi Cap Fund Direct Growth
4
11.0%23.0%4,700.30

Holdings (77)

NameSectorInstrumentAssets
HDFC Bank Ltd.
FinancialEquity8.27%
ICICI Bank Ltd.
FinancialEquity6.95%
Reliance Industries Ltd.
EnergyEquity3.73%
Bharti Airtel Ltd.
CommunicationEquity3.38%
Infosys Ltd.
TechnologyEquity3.20%
Tata Consumer Products Ltd.
Consumer StaplesEquity2.68%
Larsen & Toubro Ltd.
ConstructionEquity2.64%
Axis Bank Ltd.
FinancialEquity2.14%
State Bank of India
FinancialEquity1.94%
Tata Consultancy Services Ltd.
TechnologyEquity1.63%
JK Cement Ltd.
ConstructionEquity1.56%
Muthoot Finance Ltd.
FinancialEquity1.50%
Solar Industries India Ltd.
ChemicalsEquity1.46%
Power Grid Corporation Of India Ltd.
EnergyEquity1.42%
Ami Organics Ltd.
HealthcareEquity1.41%
Info Edge (India) Ltd.
ServicesEquity1.39%
Godrej Properties Ltd.
ConstructionEquity1.36%
Lupin Ltd.
HealthcareEquity1.33%
Max Healthcare Institute Ltd.
HealthcareEquity1.24%
Karur Vysya Bank Ltd.
FinancialEquity1.24%
Dixon Technologies (India) Ltd.
Capital GoodsEquity1.23%
HCL Technologies Ltd.
TechnologyEquity1.17%
ITC Ltd.
Consumer StaplesEquity1.17%
Shriram Finance Ltd
FinancialEquity1.17%
Maruti Suzuki India Ltd.
AutomobileEquity1.14%
Sun Pharmaceutical Industries Ltd.
HealthcareEquity1.14%
Bharat Electronics Ltd.
Capital GoodsEquity1.11%
Ultratech Cement Ltd.
ConstructionEquity1.09%
Eternal Ltd.
ServicesEquity1.07%
Home First Finance Company India Ltd.
FinancialEquity1.04%
Torrent Pharmaceuticals Ltd.
HealthcareEquity1.03%
Amber Enterprises India Ltd.
Consumer DiscretionaryEquity1.00%
Mphasis Ltd.
TechnologyEquity0.98%
TVS Motor Company Ltd.
AutomobileEquity0.95%
ZF Commercial Vehicle Control Systems India Ltd.
AutomobileEquity0.94%
Cholamandalam Investment and Finance Company Ltd.
FinancialEquity0.93%
Alivus Life Sciences Ltd
HealthcareEquity0.93%
Ajanta Pharma Ltd.
HealthcareEquity0.92%
Mahindra & Mahindra Ltd.
AutomobileEquity0.91%
SJS Enterprises Ltd.
AutomobileEquity0.90%
JSW Energy Ltd.
Capital GoodsEquity0.89%
DOMS Industries Ltd.
Consumer StaplesEquity0.85%
Bajaj Finance Ltd.
FinancialEquity0.83%
GE Vernova T&D India Ltd.
Capital GoodsEquity0.83%
Pidilite Industries Ltd.
ChemicalsEquity0.83%
UNO Minda Ltd.
AutomobileEquity0.83%
Blue Star Ltd.
Consumer DiscretionaryEquity0.81%
CG Power and Industrial Solutions Ltd.
Capital GoodsEquity0.78%
NA
NAEquity0.78%
Elantas Beck India Ltd.
ChemicalsEquity0.76%
Gujarat Industries Power Company Ltd.
EnergyEquity0.74%
Computer Age Management Services Ltd.
ServicesEquity0.73%
Suven Pharmaceuticals Ltd.
HealthcareEquity0.72%
Trent Ltd.
ServicesEquity0.71%
Gokaldas Exports Ltd.
TextilesEquity0.69%
Navin Fluorine International Ltd.
ChemicalsEquity0.68%
Eureka Forbes Ltd.
Metals & MiningEquity0.68%
Hindalco Industries Ltd.
Metals & MiningEquity0.66%
Tech Mahindra Ltd.
TechnologyEquity0.65%
Kirloskar Oil Engines Ltd.
Capital GoodsEquity0.64%
Cummins India Ltd.
Capital GoodsEquity0.63%
Tata Steel Ltd.
Metals & MiningEquity0.62%
Tube Investments Of India Ltd.
AutomobileEquity0.57%
Max Financial Services Ltd.
FinancialEquity0.57%
Hindustan Petroleum Corporation Ltd.
EnergyEquity0.57%
KSB Ltd.
Capital GoodsEquity0.57%
Godrej Consumer Products Ltd.
Consumer StaplesEquity0.56%
BSE Ltd.
ServicesEquity0.55%
Cipla Ltd.
HealthcareEquity0.52%
JIO Financial Services Ltd.
FinancialEquity0.52%
Cera Sanitaryware Ltd.
ConstructionEquity0.50%
Kei Industries Ltd.
Capital GoodsEquity0.48%
Quess Corp Ltd.
FinancialEquity0.37%
Bluspring Enterprises Ltd.
ServicesEquity0.20%
Digitide Solutions Ltd.
ServicesEquity0.16%
Reserve Bank of India
FinancialT-Bills0.09%
ITC Hotels Ltd.
ServicesEquity0.05%
See All

Pros and cons

Category: Equity Flexi Cap

Pros

Exit load is zero
Lower expense ratio: 1%
1Y annualised returns higher than category average by 0.99%

Cons

Lock-in period: 5Y

Expense ratio, exit load and tax

Expense ratio: 1.00%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed at 20%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 12.5% on returns of Rs 1.25 lakh+ in a financial year.

Understand terms
Check past data

Minimum investment amounts

Min. for 1st investment₹1,000
Min. for 2nd investment onwards₹1,000
Min. for SIP₹500

Fund management

Pratik Dharmshi
Dec 2024 - Present
View details

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.
Also manages these schemes
Union Small Cap Fund Direct Growth
Edelweiss Tax Advantage Direct Plan Growth
Union Focused Fund Direct Growth
Union Large & Midcap Fund Direct Growth
Union Midcap Fund Direct Growth
Union Retirement Fund Direct Growth
Union Business Cycle Fund Direct Growth

Vinod Malviya
Nov 2024 - Present
View details

Education
Mr. Malviya has done Bachelors of Management Studies, Masters in Financial Management and CFA (Level-III cleared)
Experience
Prior to joining Union Mutual Fund, he was associated with Florintree Advisors Pvt. Ltd., East India Securities Ltd. and Amit Nalin Securities Pvt. Ltd.
Also manages these schemes
Union Flexi Cap Fund Direct Growth
Union ELSS Tax Saver Fund Direct Growth
Union Largecap Fund Direct Growth
Union Value Fund Direct Growth
Union Focused Fund Direct Growth
Union Large & Midcap Fund Direct Growth
Union Aggressive Hybrid Fund Direct Growth
Union Retirement Fund Direct Growth
Union Multi Asset Allocation Fund Direct Growth
Union Gold ETF FoF Direct Growth

Fund house & investment objective

Fund house contact details

Address
Unit 503, 5th Floor,Leela Business Park, Andheri Kurla Road,Andheri (East) Mumbai 400059
Phone
(022) 6748 3300
Launch Date
30 Dec 2009
E-mail
[email protected]
Website
www.unionmf.com
Union Mutual Fund
Asset Management Company
Custodian
SBI SG Global Securities Services Pvt.Ltd.
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,
Email
[email protected]
Website
www.camsonline.com

Compare funds

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