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Union Retirement Fund Direct Growth
ELSS • 5Y Lock-in
Equity
Flexi Cap
Very High Risk
+19.05%
3Y annualised
+0.24% 1D
NAV: 16 Jan '26
₹16.71
Min. SIP amount
₹500
Fund size
₹191.83 Cr
Expense ratio
1.14%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,683 | +2.80% |
Holdings (78)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd. | Financial | Equity | 6.62% |
| ICICI Bank Ltd. | Financial | Equity | 5.92% |
| Reliance Industries Ltd. | Energy | Equity | 2.99% |
| State Bank of India | Financial | Equity | 2.76% |
| Infosys Ltd. | Technology | Equity | 2.65% |
| Multi Commodity Exchange Of India Ltd. | Services | Equity | 2.32% |
| Tata Consumer Products Ltd. | Consumer Staples | Equity | 2.30% |
| Larsen & Toubro Ltd. | Construction | Equity | 2.13% |
| Muthoot Finance Ltd. | Financial | Equity | 1.99% |
| Bharat Electronics Ltd. | Capital Goods | Equity | 1.98% |
| Bharti Airtel Ltd. | Communication | Equity | 1.87% |
| Mphasis Ltd. | Technology | Equity | 1.86% |
| Acutaas Chemicals Ltd. | Healthcare | Equity | 1.78% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 1.64% |
| SJS Enterprises Ltd. | Automobile | Equity | 1.59% |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | Equity | 1.55% |
| Solar Industries India Ltd. | Chemicals | Equity | 1.53% |
| Max Financial Services Ltd. | Financial | Equity | 1.53% |
| Karur Vysya Bank Ltd. | Financial | Equity | 1.50% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 1.48% |
| JIO Financial Services Ltd. | Financial | Equity | 1.40% |
| The Phoenix Mills Ltd. | Construction | Equity | 1.40% |
| Navin Fluorine International Ltd. | Chemicals | Equity | 1.39% |
| GE Vernova T&D India Ltd | Capital Goods | Equity | 1.39% |
| KFin Technologies Ltd. | Financial | Equity | 1.30% |
| Max Healthcare Institute Ltd. | Healthcare | Equity | 1.29% |
| Eureka Forbes Ltd. | Metals & Mining | Equity | 1.29% |
| Jyoti CNC Automation Ltd. | Capital Goods | Equity | 1.26% |
| JK Cement Ltd. | Construction | Equity | 1.24% |
| 360 One Wam Ltd. | Financial | Equity | 1.24% |
| Hexaware Technologies Ltd. | Technology | Equity | 1.20% |
| HDFC Asset Management Company Ltd. | Financial | Equity | 1.13% |
| Gabriel India Ltd. | Automobile | Equity | 1.13% |
| Azad Engineering Ltd. | Capital Goods | Equity | 1.12% |
| Torrent Pharmaceuticals Ltd. | Healthcare | Equity | 1.11% |
| Ultratech Cement Ltd. | Construction | Equity | 1.09% |
| CG Power and Industrial Solutions Ltd. | Capital Goods | Equity | 1.05% |
| Titan Company Ltd. | Consumer Discretionary | Equity | 1.03% |
| HCL Technologies Ltd. | Technology | Equity | 1.02% |
| Home First Finance Company India Ltd. | Financial | Equity | 1.01% |
| UNO Minda Ltd. | Automobile | Equity | 1.01% |
| TVS Motor Company Ltd. | Automobile | Equity | 0.99% |
| Cummins India Ltd. | Capital Goods | Equity | 0.99% |
| DOMS Industries Ltd. | Consumer Staples | Equity | 0.98% |
| Ujjivan Small Finance Bank Ltd. | Financial | Equity | 0.97% |
| Ajanta Pharma Ltd. | Healthcare | Equity | 0.95% |
| ITC Ltd. | Consumer Staples | Equity | 0.92% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | Equity | 0.90% |
| Info Edge (India) Ltd. | Services | Equity | 0.90% |
| Trent Ltd. | Services | Equity | 0.89% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | Equity | 0.89% |
| Amber Enterprises India Ltd. | Consumer Discretionary | Equity | 0.87% |
| Blue Star Ltd. | Consumer Discretionary | Equity | 0.87% |
| Kirloskar Oil Engines Ltd. | Capital Goods | Equity | 0.87% |
| Shriram Finance Ltd | Financial | Equity | 0.83% |
| Bajaj Finance Ltd. | Financial | Equity | 0.80% |
| Hindalco Industries Ltd. | Metals & Mining | Equity | 0.79% |
| Oil India Ltd. | Energy | Equity | 0.77% |
| Dixon Technologies (India) Ltd. | Capital Goods | Equity | 0.76% |
| JSW Energy Ltd. | Capital Goods | Equity | 0.75% |
| Jubilant FoodWorks Ltd. | Services | Equity | 0.70% |
| JSW Steel Ltd. | Metals & Mining | Equity | 0.67% |
| Tata Steel Ltd. | Metals & Mining | Equity | 0.67% |
| Eternal Ltd. | Services | Equity | 0.65% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.62% |
| Tech Mahindra Ltd. | Technology | Equity | 0.58% |
| Computer Age Management Services Ltd. | Services | Equity | 0.58% |
| Kei Industries Ltd. | Capital Goods | Equity | 0.58% |
| Elantas Beck India Ltd. | Chemicals | Equity | 0.55% |
| Lupin Ltd. | Healthcare | Equity | 0.55% |
| KSB Ltd. | Capital Goods | Equity | 0.49% |
| Data Patterns (India) Ltd. | Capital Goods | Equity | 0.48% |
| Godrej Consumer Products Ltd. | Consumer Staples | Equity | 0.46% |
| Hero Motocorp Ltd. | Automobile | Equity | 0.45% |
| NTPC Ltd. | Energy | Equity | 0.43% |
| Reserve Bank of India | Financial | T-Bills | 0.08% |
| ITC Hotels Ltd. | Services | Equity | 0.05% |
| 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 | +1.8% | +10.7% | +19.1% | +16.7% |
| Category average (Equity Flexi Cap) | -0.4% | +2.2% | +16.0% | -- |
| Rank (Equity Flexi Cap) | -- | 18 | 22 | -- |
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) | |
|---|---|---|---|---|
Invesco India Flexi Cap Fund Direct Growth | +4.39% | +22.56% | 4,723.38 | |
HDFC Flexi Cap Direct Plan Growth | +14.50% | +22.44% | 96,294.99 | |
Parag Parikh Flexi Cap Fund Direct Growth | +9.07% | +22.10% | 1,33,308.62 | |
HSBC Flexi Cap Fund Direct Growth | +5.88% | +20.36% | 5,227.12 | |
Franklin India Flexi Cap Fund Direct Growth | +7.10% | +18.96% | 19,971.64 | |
| 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 ₹24,759 Cr and the Latest NAV as of 16 Jan 2026 is ₹16.71.
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₹24,758.95 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,