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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Union Retirement Fund Direct Growth
+15.67%
3Y annualised
+0.98% 1D
NAV: 09 Jun '26
₹16.52
Min. for SIP
₹500
Fund size (AUM)
₹195.84 Cr
Expense ratio
2.16%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 3 months | ₹15,000 | ₹15,252 | +1.68% | |
| 6 months | ₹30,000 | ₹30,218 | +0.73% | |
| 1 year | ₹60,000 | ₹60,889 | +1.48% | |
| 3 years | ₹1,80,000 | ₹2,05,658 | +14.25% |
Holdings (77)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 5.81% |
| HDFC Bank Ltd | Financial | Equity | 5.52% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 3.03% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.67% |
| Ami Organics Ltd | Healthcare | Equity | 2.65% |
| State Bank of India | Financial | Equity | 2.62% |
| NTPC Ltd | Energy & Utilities | Equity | 2.34% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 2.16% |
| Solar Industries India Ltd | Materials | Equity | 2.09% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.05% |
| GE T&D India Ltd | Industrials | Equity | 1.94% |
| Infosys Ltd | Technology | Equity | 1.90% |
| Muthoot Finance Ltd | Financial | Equity | 1.75% |
| Navin Fluorine International Ltd | Materials | Equity | 1.74% |
| S.J.S Enterprises Ltd | Consumer Discretionary | Equity | 1.66% |
| Bharti Airtel Ltd | Technology | Equity | 1.64% |
| Karur Vysya Bank Ltd | Financial | Equity | 1.64% |
| Titan Company Ltd | Consumer Discretionary | Equity | 1.57% |
| Bharat Electronics Ltd | Industrials | Equity | 1.50% |
| ZF Commercial Vehicle Control Systems India Ltd | Consumer Discretionary | Equity | 1.50% |
| Mphasis Ltd | Technology | Equity | 1.49% |
| Azad Engineering Ltd. | Industrials | Equity | 1.44% |
| Phoenix Mills Ltd | Real Estate | Equity | 1.44% |
| Max Financial Services Ltd | Financial | Equity | 1.42% |
| JK Cement Ltd | Materials | Equity | 1.38% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 1.36% |
| Ujjivan Small Finance Bank Ltd | Financial | Equity | 1.25% |
| Ultratech Cement Ltd | Materials | Equity | 1.21% |
| Zomato Ltd | Technology | Equity | 1.20% |
| Max Healthcare Institute Ltd | Healthcare | Equity | 1.20% |
| Kirloskar Oil Engines Ltd | Industrials | Equity | 1.19% |
| Torrent Pharmaceuticals Ltd | Healthcare | Equity | 1.19% |
| Repo | Unspecified | Repo | 1.18% |
| Cummins India Ltd | Industrials | Equity | 1.16% |
| IIFL Wealth Management Ltd | Financial | Equity | 1.14% |
| Jio Financial Services Limited | Financial | Equity | 1.14% |
| Gabriel India Ltd | Consumer Discretionary | Equity | 1.13% |
| Avenue Supermarts Ltd | Consumer Staples | Equity | 1.10% |
| JSW Steel Ltd | Materials | Equity | 1.07% |
| Amber Enterprises India Ltd | Consumer Discretionary | Equity | 1.07% |
| KFin Technologies Ltd | Financial | Equity | 1.05% |
| Hindustan Unilever Ltd | Consumer Staples | Equity | 1.03% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 1.03% |
| KSB Ltd | Industrials | Equity | 1.00% |
| LG Electronics India Ltd. | Consumer Discretionary | Equity | 0.98% |
| Tata Steel Ltd | Materials | Equity | 0.97% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.96% |
| Ajanta Pharma Ltd | Healthcare | Equity | 0.95% |
| CarTrade Tech Ltd | Consumer Discretionary | Equity | 0.95% |
| Jyoti CNC Automation Ltd. | Industrials | Equity | 0.94% |
| TVS Motor Company Ltd | Consumer Discretionary | Equity | 0.91% |
| Hindalco Industries Ltd | Materials | Equity | 0.90% |
| Oil India Ltd | Energy & Utilities | Equity | 0.88% |
| Blue Star Ltd | Industrials | Equity | 0.87% |
| Persistent Systems Ltd | Technology | Equity | 0.86% |
| Godrej Consumer Products Ltd | Consumer Staples | Equity | 0.84% |
| DOMS Industries Ltd. | Industrials | Equity | 0.84% |
| Tata Motors Ltd | Industrials | Equity | 0.84% |
| CG Power & Industrial Solutions Ltd | Industrials | Equity | 0.83% |
| Schneider Electric Infrastructure Ltd | Energy & Utilities | Equity | 0.80% |
| Cholamandalam Investment & Finance Company Ltd | Financial | Equity | 0.80% |
| Tata Motors Ltd | Consumer Discretionary | Equity | 0.78% |
| HDFC Asset Management Company Ltd | Financial | Equity | 0.76% |
| HCL Technologies Ltd | Technology | Equity | 0.73% |
| Data Patterns (India) Ltd | Industrials | Equity | 0.73% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 0.68% |
| Home First Finance Company India Ltd | Financial | Equity | 0.65% |
| Kei Industries Ltd | Industrials | Equity | 0.62% |
| Endurance Technologies Ltd | Consumer Discretionary | Equity | 0.60% |
| Lupin Ltd | Healthcare | Equity | 0.59% |
| Eureka Forbes Ltd | Consumer Discretionary | Equity | 0.59% |
| Computer Age Management Services Ltd | Financial | Equity | 0.57% |
| Atul Ltd | Materials | Equity | 0.52% |
| Axis Bank Ltd | Financial | Equity | 0.49% |
| 364 Day T-BILL 09 July 2026 | Financial | Treasury Bills | 0.08% |
| TVS Motor Company Ltd - Pref. Shares | Consumer Discretionary | Preference Shares | 0.01% |
| Net Payables | Unspecified | Net Payables | -0.17% |
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 | -0.7% | +2.1% | +15.7% | +14.5% |
| Category average (Equity Flexi Cap) | -0.4% | +2.2% | +16.0% | -- |
| Rank (Equity Flexi Cap) | -- | 19 | 23 | -- |
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) | |
|---|---|---|---|---|
 | +3.81% | +19.71% | 1,290.33 | |
 | +0.42% | +17.71% | 5,405.12 | |
 | -1.64% | +17.35% | 1,00,479.23 | |
 | -3.02% | +15.10% | 1,40,949.13 | |
 | -6.63% | +14.40% | 19,049.25 | |
| 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 ₹27,363 Cr and the Latest NAV as of 09 Jun 2026 is ₹16.52.
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₹27,363.31 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,