Stocks
Invest in Stocks
Invest in stocks, ETFs, IPOs with fast orders. Track returns on your stock holdings and view real-time P&L on your positions.
F&O
Mutual Funds
Invest in Mutual Funds
Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Union Retirement Fund Direct Growth
ELSS • 5Y Lock-in
Equity
Flexi Cap
Very High Risk
+19.94%
3Y annualised
-1.29% 1D
NAV: 27 Feb '26
₹16.84
Min. for SIP
₹500
Fund size
₹190.10 Cr
Expense ratio
1.14%
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 | 6.27% |
| ICICI Bank Ltd. | Financial | Equity | 6.02% |
| State Bank of India | Financial | Equity | 3.06% |
| Infosys Ltd. | Technology | Equity | 2.72% |
| Reliance Industries Ltd. | Energy | Equity | 2.68% |
| Multi Commodity Exchange Of India Ltd. | Services | Equity | 2.66% |
| Bharat Electronics Ltd. | Capital Goods | Equity | 2.24% |
| Tata Consumer Products Ltd. | Consumer Staples | Equity | 2.21% |
| Larsen & Toubro Ltd. | Construction | Equity | 2.07% |
| Muthoot Finance Ltd. | Financial | Equity | 2.01% |
| Acutaas Chemicals Ltd. | Healthcare | Equity | 2.01% |
| Solar Industries India Ltd. | Chemicals | Equity | 1.88% |
| Mphasis Ltd. | Technology | Equity | 1.86% |
| Bharti Airtel Ltd. | Communication | Equity | 1.76% |
| Karur Vysya Bank Ltd. | Financial | Equity | 1.73% |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | Equity | 1.58% |
| SJS Enterprises Ltd. | Automobile | Equity | 1.58% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 1.53% |
| Max Financial Services Ltd. | Financial | Equity | 1.49% |
| Titan Company Ltd. | Consumer Discretionary | Equity | 1.46% |
| GE Vernova T&D India Ltd | Capital Goods | Equity | 1.44% |
| Navin Fluorine International Ltd. | Chemicals | Equity | 1.44% |
| The Phoenix Mills Ltd. | Construction | Equity | 1.41% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 1.31% |
| JK Cement Ltd. | Construction | Equity | 1.25% |
| KFin Technologies Ltd. | Financial | Equity | 1.23% |
| JIO Financial Services Ltd. | Financial | Equity | 1.22% |
| Ujjivan Small Finance Bank Ltd. | Financial | Equity | 1.20% |
| Max Healthcare Institute Ltd. | Healthcare | Equity | 1.19% |
| Ultratech Cement Ltd. | Construction | Equity | 1.19% |
| 360 One Wam Ltd. | Financial | Equity | 1.19% |
| Torrent Pharmaceuticals Ltd. | Healthcare | Equity | 1.16% |
| Eureka Forbes Ltd. | Metals & Mining | Equity | 1.15% |
| Hexaware Technologies Ltd. | Technology | Equity | 1.10% |
| HDFC Asset Management Company Ltd. | Financial | Equity | 1.07% |
| HCL Technologies Ltd. | Technology | Equity | 1.07% |
| Gabriel India Ltd. | Automobile | Equity | 1.06% |
| JSW Steel Ltd. | Metals & Mining | Equity | 1.05% |
| Jyoti CNC Automation Ltd. | Capital Goods | Equity | 1.04% |
| Azad Engineering Ltd. | Capital Goods | Equity | 1.01% |
| TVS Motor Company Ltd. | Automobile | Equity | 0.99% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.97% |
| NTPC Ltd. | Energy | Equity | 0.94% |
| Godrej Consumer Products Ltd. | Consumer Staples | Equity | 0.94% |
| Oil India Ltd. | Energy | Equity | 0.94% |
| Cummins India Ltd. | Capital Goods | Equity | 0.93% |
| Blue Star Ltd. | Consumer Discretionary | Equity | 0.92% |
| Tata Steel Ltd. | Metals & Mining | Equity | 0.91% |
| DOMS Industries Ltd. | Consumer Staples | Equity | 0.90% |
| Shriram Finance Ltd | Financial | Equity | 0.86% |
| Hindalco Industries Ltd. | Metals & Mining | Equity | 0.86% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | Equity | 0.86% |
| Info Edge (India) Ltd. | Services | Equity | 0.85% |
| Kirloskar Oil Engines Ltd. | Capital Goods | Equity | 0.85% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | Equity | 0.84% |
| Trent Ltd. | Services | Equity | 0.80% |
| Amber Enterprises India Ltd. | Consumer Discretionary | Equity | 0.78% |
| Bajaj Finance Ltd. | Financial | Equity | 0.76% |
| JSW Energy Ltd. | Capital Goods | Equity | 0.73% |
| Tata Motors Ltd. | Automobile | Equity | 0.72% |
| Home First Finance Company India Ltd. | Financial | Equity | 0.68% |
| Dixon Technologies (India) Ltd. | Capital Goods | Equity | 0.66% |
| Eternal Ltd. | Services | Equity | 0.65% |
| Tech Mahindra Ltd. | Technology | Equity | 0.64% |
| Lupin Ltd. | Healthcare | Equity | 0.57% |
| Computer Age Management Services Ltd. | Services | Equity | 0.55% |
| LG Electronics India Ltd. | Consumer Discretionary | Equity | 0.54% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.54% |
| Kei Industries Ltd. | Capital Goods | Equity | 0.53% |
| Endurance Technologies Ltd. | Automobile | Equity | 0.51% |
| UNO Minda Ltd. | Automobile | Equity | 0.50% |
| Data Patterns (India) Ltd. | Capital Goods | Equity | 0.49% |
| KSB Ltd. | Capital Goods | Equity | 0.47% |
| CG Power and Industrial Solutions Ltd. | Capital Goods | Equity | 0.46% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.44% |
| Elantas Beck India Ltd. | Chemicals | Equity | 0.40% |
| 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 | +5.7% | +22.1% | +19.9% | +16.4% |
| Category average (Equity Flexi Cap) | -0.4% | +2.2% | +16.0% | -- |
| Rank (Equity Flexi Cap) | -- | 10 | 21 | -- |
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 | +18.29% | +23.62% | 97,451.56 | |
Invesco India Flexi Cap Fund Direct Growth | +13.22% | +22.41% | 4,584.14 | |
Parag Parikh Flexi Cap Fund Direct Growth | +10.06% | +21.12% | 1,33,969.81 | |
HSBC Flexi Cap Fund Direct Growth | +16.20% | +20.18% | 5,317.76 | |
Franklin India Flexi Cap Fund Direct Growth | +14.88% | +20.11% | 19,528.04 | |
| 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 ₹26,143 Cr and the Latest NAV as of 27 Feb 2026 is ₹16.84.
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₹26,143.33 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,