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Union Retirement Fund Direct Growth
+15.28%
3Y annualised
-0.06% 1D
NAV: 17 Jul '26
₹17.44
Min. for SIP
₹500
Fund size (AUM)
₹206.31 Cr
Expense ratio
1.41%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 3 months | ₹15,000 | ₹15,363 | +2.42% | |
| 6 months | ₹30,000 | ₹31,471 | +4.90% | |
| 1 year | ₹60,000 | ₹63,164 | +5.27% | |
| 3 years | ₹1,80,000 | ₹2,09,631 | +16.46% |
Holdings (82)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 6.00% |
| HDFC Bank Ltd | Financial | Equity | 5.41% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.51% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 2.48% |
| Solar Industries India Ltd | Materials | Equity | 2.40% |
| State Bank of India | Financial | Equity | 2.24% |
| Ami Organics Ltd | Healthcare | Equity | 2.05% |
| GE T&D India Ltd | Industrials | Equity | 2.04% |
| NTPC Ltd | Energy & Utilities | Equity | 1.99% |
| S.J.S Enterprises Ltd | Consumer Discretionary | Equity | 1.94% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 1.93% |
| Navin Fluorine International Ltd | Materials | Equity | 1.86% |
| Larsen & Toubro Ltd | Industrials | Equity | 1.81% |
| Axis Bank Ltd | Financial | Equity | 1.73% |
| Kirloskar Oil Engines Ltd | Industrials | Equity | 1.57% |
| Karur Vysya Bank Ltd | Financial | Equity | 1.57% |
| Zomato Ltd | Technology | Equity | 1.54% |
| Bharti Airtel Ltd | Technology | Equity | 1.53% |
| Infosys Ltd | Technology | Equity | 1.53% |
| Phoenix Mills Ltd | Real Estate | Equity | 1.51% |
| CarTrade Tech Ltd | Consumer Discretionary | Equity | 1.50% |
| Titan Company Ltd | Consumer Discretionary | Equity | 1.49% |
| ZF Commercial Vehicle Control Systems India Ltd | Consumer Discretionary | Equity | 1.49% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 1.41% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 1.37% |
| Max Financial Services Ltd | Financial | Equity | 1.34% |
| Mphasis Ltd | Technology | Equity | 1.34% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 1.31% |
| Max Healthcare Institute Ltd | Healthcare | Equity | 1.30% |
| Azad Engineering Ltd. | Industrials | Equity | 1.30% |
| Gabriel India Ltd | Consumer Discretionary | Equity | 1.29% |
| Torrent Pharmaceuticals Ltd | Healthcare | Equity | 1.24% |
| Ujjivan Small Finance Bank Ltd | Financial | Equity | 1.23% |
| KSB Ltd | Industrials | Equity | 1.19% |
| Cholamandalam Investment & Finance Company Ltd | Financial | Equity | 1.17% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 1.16% |
| IIFL Wealth Management Ltd | Financial | Equity | 1.12% |
| Trent Ltd | Consumer Discretionary | Equity | 1.11% |
| Ajanta Pharma Ltd | Healthcare | Equity | 1.09% |
| Repo | Unspecified | Repo | 1.02% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 1.01% |
| Cummins India Ltd | Industrials | Equity | 1.01% |
| Avenue Supermarts Ltd | Consumer Staples | Equity | 1.00% |
| JSW Steel Ltd | Materials | Equity | 0.98% |
| KFin Technologies Ltd | Financial | Equity | 0.98% |
| JK Cement Ltd | Materials | Equity | 0.98% |
| Amber Enterprises India Ltd | Consumer Discretionary | Equity | 0.95% |
| Ultratech Cement Ltd | Materials | Equity | 0.93% |
| Hindustan Unilever Ltd | Consumer Staples | Equity | 0.92% |
| CG Power & Industrial Solutions Ltd | Industrials | Equity | 0.92% |
| Lupin Ltd | Healthcare | Equity | 0.88% |
| ITD Cementation India Ltd | Industrials | Equity | 0.85% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.84% |
| Tata Motors Ltd | Industrials | Equity | 0.82% |
| Bharat Heavy Electricals Ltd | Industrials | Equity | 0.80% |
| DOMS Industries Ltd. | Industrials | Equity | 0.80% |
| LG Electronics India Ltd. | Consumer Discretionary | Equity | 0.79% |
| Tata Motors Ltd | Consumer Discretionary | Equity | 0.77% |
| Data Patterns (India) Ltd | Industrials | Equity | 0.76% |
| Blue Star Ltd | Industrials | Equity | 0.76% |
| Varun Beverages Ltd | Consumer Staples | Equity | 0.74% |
| Persistent Systems Ltd | Technology | Equity | 0.73% |
| Hindustan Copper Ltd | Materials | Equity | 0.70% |
| TVS Motor Company Ltd | Consumer Discretionary | Equity | 0.67% |
| Kei Industries Ltd | Industrials | Equity | 0.66% |
| Endurance Technologies Ltd | Consumer Discretionary | Equity | 0.65% |
| HCL Technologies Ltd | Technology | Equity | 0.62% |
| Home First Finance Company India Ltd | Financial | Equity | 0.61% |
| Computer Age Management Services Ltd | Financial | Equity | 0.58% |
| Arvind Ltd | Consumer Discretionary | Equity | 0.57% |
| Garden Reach Shipbuilders & Engineers Ltd | Industrials | Equity | 0.53% |
| Hindalco Industries Ltd | Materials | Equity | 0.53% |
| Interglobe Aviation Ltd | Industrials | Equity | 0.52% |
| Timken India Ltd | Industrials | Equity | 0.51% |
| Adani Enterprises Ltd | Materials | Equity | 0.49% |
| Atul Ltd | Materials | Equity | 0.47% |
| Aarti Industries Ltd | Materials | Equity | 0.47% |
| Ather Energy Ltd. | Consumer Discretionary | Equity | 0.44% |
| Jubilant FoodWorks Ltd | Consumer Discretionary | Equity | 0.43% |
| Net Receivables | Unspecified | Net Receivables | 0.14% |
| 364 Day T-BILL 09 July 2026 | Financial | Treasury Bills | 0.07% |
| TVS Motor Company Ltd - Pref. Shares | Consumer Discretionary | Preference 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 | +4.4% | +6.3% | +15.3% | +15.7% |
| Category average (Equity Flexi Cap) | -0.4% | +2.2% | +16.0% | -- |
| Rank (Equity Flexi Cap) | -- | 11 | 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) | |
|---|---|---|---|---|
 | +8.86% | +21.87% | 2,615.05 | |
 | +9.35% | +20.10% | 1,412.22 | |
 | +3.37% | +17.59% | 1,06,495.63 | |
 | -0.95% | +14.56% | 1,43,388.43 | |
 | -1.58% | +14.25% | 19,274.14 | |
| 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 ₹26,579 Cr and the Latest NAV as of 17 Jul 2026 is ₹17.44.
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₹26,579.06 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,