Union Retirement Fund Direct Growth

Union Retirement Fund Direct Growth

+18.43%
3Y annualised
-0.48% 1D
1M
6M
1Y
3Y
All
NAV: 28 Apr '26
₹16.65
Min. for SIP
₹500
Fund size (AUM)
₹177.42 Cr
Expense ratio
1.51%
Rating
4

Return calculator

Monthly investment
₹5,000
Over the pastTotal investmentWould've becomeHistoric returnsReturns
3 months₹15,000₹15,261
+1.74%
6 months₹30,000₹30,192
+0.64%
1 year₹60,000₹61,307
+2.18%
3 years₹1,80,000₹2,08,380
+15.77%

Holdings (75)

NameSectorInstrumentsAssets
ICICI Bank Ltd.FinancialEquity5.74%
HDFC Bank Ltd.FinancialEquity5.53%
State Bank of IndiaFinancialEquity2.98%
Acutaas Chemicals Ltd.HealthcareEquity2.88%
Reliance Industries Ltd.EnergyEquity2.76%
Multi Commodity Exchange Of India Ltd.ServicesEquity2.69%
NTPC Ltd.EnergyEquity2.22%
Infosys Ltd.TechnologyEquity2.22%
Bharat Electronics Ltd.Capital GoodsEquity2.15%
Tata Consumer Products Ltd.Consumer StaplesEquity2.12%
Larsen & Toubro Ltd.ConstructionEquity1.98%
Solar Industries India Ltd.ChemicalsEquity1.80%
Karur Vysya Bank Ltd.FinancialEquity1.78%
Muthoot Finance Ltd.FinancialEquity1.78%
GE Vernova T&D India LtdCapital GoodsEquity1.74%
Navin Fluorine International Ltd.ChemicalsEquity1.74%
Bharti Airtel Ltd.CommunicationEquity1.71%
SJS Enterprises Ltd.AutomobileEquity1.57%
Titan Company Ltd.Consumer DiscretionaryEquity1.56%
ZF Commercial Vehicle Control Systems India Ltd.AutomobileEquity1.55%
Mphasis Ltd.TechnologyEquity1.48%
Max Financial Services Ltd.FinancialEquity1.47%
JK Cement Ltd.ConstructionEquity1.46%
The Phoenix Mills Ltd.ConstructionEquity1.36%
Torrent Pharmaceuticals Ltd.HealthcareEquity1.32%
Max Healthcare Institute Ltd.HealthcareEquity1.29%
Ultratech Cement Ltd.ConstructionEquity1.24%
Ujjivan Small Finance Bank Ltd.FinancialEquity1.22%
Maruti Suzuki India Ltd.AutomobileEquity1.18%
JIO Financial Services Ltd.FinancialEquity1.15%
KFin Technologies Ltd.FinancialEquity1.14%
HDFC Asset Management Company Ltd.FinancialEquity1.12%
Cummins India Ltd.Capital GoodsEquity1.09%
Azad Engineering Ltd.Capital GoodsEquity1.09%
Mahindra & Mahindra Ltd.AutomobileEquity1.08%
360 One Wam Ltd.FinancialEquity1.07%
Avenue Supermarts Ltd.ServicesEquity1.05%
Ajanta Pharma Ltd.HealthcareEquity1.04%
JSW Steel Ltd.Metals & MiningEquity1.04%
Kirloskar Oil Engines Ltd.Capital GoodsEquity1.03%
Gabriel India Ltd.AutomobileEquity1.00%
Jyoti CNC Automation Ltd.Capital GoodsEquity1.00%
Sun Pharmaceutical Industries Ltd.HealthcareEquity0.99%
Eureka Forbes Ltd.Metals & MiningEquity0.99%
Shriram Finance LtdFinancialEquity0.98%
Tata Steel Ltd.Metals & MiningEquity0.97%
TVS Motor Company Ltd.AutomobileEquity0.97%
LG Electronics India Ltd.Consumer DiscretionaryEquity0.97%
Amber Enterprises India Ltd.Consumer DiscretionaryEquity0.96%
Oil India Ltd.EnergyEquity0.94%
DOMS Industries Ltd.Consumer StaplesEquity0.93%
HCL Technologies Ltd.TechnologyEquity0.91%
Tata Motors Ltd.AutomobileEquity0.89%
CarTrade Tech Ltd.ServicesEquity0.88%
Blue Star Ltd.Consumer DiscretionaryEquity0.87%
Godrej Consumer Products Ltd.Consumer StaplesEquity0.86%
Hindalco Industries Ltd.Metals & MiningEquity0.85%
KSB Ltd.Capital GoodsEquity0.76%
Cholamandalam Investment and Finance Company Ltd.FinancialEquity0.76%
Info Edge (India) Ltd.ServicesEquity0.71%
Lupin Ltd.HealthcareEquity0.65%
Dixon Technologies (India) Ltd.Capital GoodsEquity0.65%
Endurance Technologies Ltd.AutomobileEquity0.62%
Schneider Electric Infrastructure Ltd.Capital GoodsEquity0.60%
Data Patterns (India) Ltd.Capital GoodsEquity0.60%
Kei Industries Ltd.Capital GoodsEquity0.57%
Home First Finance Company India Ltd.FinancialEquity0.56%
Persistent Systems Ltd.TechnologyEquity0.55%
Tech Mahindra Ltd.TechnologyEquity0.55%
CG Power and Industrial Solutions Ltd.Capital GoodsEquity0.55%
Computer Age Management Services Ltd.ServicesEquity0.53%
Eternal Ltd.ServicesEquity0.45%
Tata Motors Passenger Vehicles Ltd.AutomobileEquity0.42%
Reserve Bank of IndiaFinancialT-Bills0.09%
TVS Motor Company Ltd - Pref. SharesAutomobilePref. Shares0.01%
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
Name6M1Y3YAll
Fund returns-1.1%+9.3%+18.4%+15.2%
Category average (Equity Flexi Cap)-0.4%+2.2%+16.0%--
Rank (Equity Flexi Cap)--1518--

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

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.
Check past data

Compare similar funds

Fund management

PD
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.

PV
Pratit Vajani
Jul 2025 - Present
View details

Education
PGDM (MDI Gurgaon), B.Tech (VJTI)
Experience
Prior to joining Union AMC, Mr. Vajani was associated with ICICI Securities Ltd and Price water house Coopers Private Limited.
Also manages these schemes

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 ₹23,439 Cr and the Latest NAV as of 28 Apr 2026 is ₹16.65. 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₹23,438.99 Cr
Date of Incorporation30 Dec 2009
Phone(022) 6748 3300
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
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,