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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Union Retirement Fund Direct Growth
+12.06%
3Y annualised
+1.68% 1D
NAV: 27 Oct '26
₹16.37
Min. for SIP
₹500
Fund size (AUM)
₹206.52 Cr
Expense ratio
1.36%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 3 months | ₹15,000 | ₹14,563 | -2.91% | |
| 6 months | ₹30,000 | ₹29,094 | -3.02% | |
| 1 year | ₹60,000 | ₹58,733 | -2.11% | |
| 3 years | ₹1,80,000 | ₹1,90,433 | +5.80% |
Holdings (82)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 5.76% |
| HDFC Bank Ltd | Financial | Equity | 4.29% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 2.72% |
| Solar Industries India Ltd | Materials | Equity | 2.53% |
| Repo | Unspecified | Repo | 2.35% |
| Zomato Ltd | Technology | Equity | 2.17% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.10% |
| Axis Bank Ltd | Financial | Equity | 2.08% |
| Navin Fluorine International Ltd | Materials | Equity | 2.00% |
| S.J.S Enterprises Ltd | Consumer Discretionary | Equity | 1.97% |
| Azad Engineering Ltd. | Industrials | Equity | 1.87% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 1.84% |
| GE T&D India Ltd | Industrials | Equity | 1.83% |
| NTPC Ltd | Energy & Utilities | Equity | 1.80% |
| State Bank of India | Financial | Equity | 1.77% |
| Karur Vysya Bank Ltd | Financial | Equity | 1.72% |
| CarTrade Tech Ltd | Consumer Discretionary | Equity | 1.61% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 1.59% |
| Titan Company Ltd | Consumer Discretionary | Equity | 1.55% |
| Kirloskar Oil Engines Ltd | Industrials | Equity | 1.53% |
| Infosys Ltd | Technology | Equity | 1.52% |
| Ami Organics Ltd | Healthcare | Equity | 1.51% |
| Phoenix Mills Ltd | Real Estate | Equity | 1.50% |
| Bharti Airtel Ltd | Technology | Equity | 1.45% |
| Torrent Pharmaceuticals Ltd | Healthcare | Equity | 1.44% |
| Ujjivan Small Finance Bank Ltd | Financial | Equity | 1.41% |
| Gabriel India Ltd | Consumer Discretionary | Equity | 1.40% |
| ZF Commercial Vehicle Control Systems India Ltd | Consumer Discretionary | Equity | 1.36% |
| Mphasis Ltd | Technology | Equity | 1.34% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 1.31% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 1.30% |
| Hyundai Motor India Ltd. | Consumer Discretionary | Equity | 1.28% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 1.24% |
| Ajanta Pharma Ltd | Healthcare | Equity | 1.16% |
| Max Financial Services Ltd | Financial | Equity | 1.16% |
| KSB Ltd | Industrials | Equity | 1.12% |
| KFin Technologies Ltd | Financial | Equity | 1.10% |
| Hindustan Copper Ltd | Materials | Equity | 1.08% |
| Max Healthcare Institute Ltd | Healthcare | Equity | 1.07% |
| Angel One Ltd | Financial | Equity | 1.06% |
| Cholamandalam Investment & Finance Company Ltd | Financial | Equity | 1.06% |
| Varun Beverages Ltd | Consumer Staples | Equity | 1.05% |
| Sona BLW Precision Forgings Ltd | Consumer Discretionary | Equity | 1.00% |
| JSW Steel Ltd | Materials | Equity | 1.00% |
| ITD Cementation India Ltd | Industrials | Equity | 0.98% |
| Bharat Heavy Electricals Ltd | Industrials | Equity | 0.96% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.96% |
| Tata Motors Ltd | Industrials | Equity | 0.92% |
| LG Electronics India Ltd. | Consumer Discretionary | Equity | 0.92% |
| JK Cement Ltd | Materials | Equity | 0.91% |
| Trent Ltd | Consumer Discretionary | Equity | 0.89% |
| Persistent Systems Ltd | Technology | Equity | 0.89% |
| Arvind Ltd | Consumer Discretionary | Equity | 0.84% |
| Amber Enterprises India Ltd | Consumer Discretionary | Equity | 0.84% |
| CG Power & Industrial Solutions Ltd | Industrials | Equity | 0.83% |
| Aarti Industries Ltd | Materials | Equity | 0.81% |
| Shadowfax Technologies Ltd. | Industrials | Equity | 0.81% |
| TVS Motor Company Ltd | Consumer Discretionary | Equity | 0.80% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.79% |
| Adani Enterprises Ltd | Materials | Equity | 0.77% |
| MTAR Technologies Ltd | Industrials | Equity | 0.76% |
| Grasim Industries Ltd | Materials | Equity | 0.74% |
| Data Patterns (India) Ltd | Industrials | Equity | 0.73% |
| DOMS Industries Ltd. | Industrials | Equity | 0.73% |
| Jubilant FoodWorks Ltd | Consumer Discretionary | Equity | 0.71% |
| HCL Technologies Ltd | Technology | Equity | 0.71% |
| Blue Star Ltd | Industrials | Equity | 0.71% |
| Interglobe Aviation Ltd | Industrials | Equity | 0.66% |
| Godrej Properties Ltd | Real Estate | Equity | 0.63% |
| Central Depository Services (India) Ltd | Financial | Equity | 0.61% |
| Home First Finance Company India Ltd | Financial | Equity | 0.59% |
| Garden Reach Shipbuilders & Engineers Ltd | Industrials | Equity | 0.58% |
| Ather Energy Ltd. | Consumer Discretionary | Equity | 0.55% |
| Kei Industries Ltd | Industrials | Equity | 0.54% |
| Hindalco Industries Ltd | Materials | Equity | 0.52% |
| Vijaya Diagnostic Centre Ltd | Healthcare | Equity | 0.52% |
| Engineers India Ltd | Industrials | Equity | 0.43% |
| Atul Ltd | Materials | Equity | 0.43% |
| PB Fintech Ltd | Financial | Equity | 0.13% |
| GOVERNMENT OF INDIA 37629 091 DAYS TBILL 01OT26 FV RS 100 | Financial | Treasury Bills | 0.04% |
| 91 DTB (24-DEC-2026) | Financial | Treasury Bills | 0.03% |
| Net Payables | Unspecified | Net Payables | -0.27% |
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 | -2.1% | -2.7% | +12.1% | +12.8% |
| Category average (Equity Flexi Cap) | -3.1% | -6.2% | +10.6% | +13.7% |
| Rank (Equity Flexi Cap) | -- | 18 | 18 | -- |
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) | |
|---|---|---|---|---|
 | +5.77% | +18.21% | 1,588.28 | |
 | +2.27% | +18.15% | 3,098.01 | |
 | -5.52% | +15.26% | 1,08,546.98 | |
 | -2.14% | +14.82% | 5,748.74 | |
 | -10.21% | +9.98% | 18,188.24 | |
| 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 ₹25,478 Cr and the Latest NAV as of 27 Oct 2026 is ₹16.37.
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₹25,477.54 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,