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Fund Summary
Union Retirement Fund Reg (G)
[Solution: Retirement Equity]  
 
Fund Details
Fund Type Growth Launch Date 22-Sep-22
Corpus(Cr.) 196.0 Latest NAV 15.82 As on 12-06-2026
Equity(%) 98.9 52 Week High 16.35
Debt(%) 1.1 52 Week Low 14.34
Others(%) 0.0 Exit Load 0
Minimum Investment - Availability
Entry Load Nil Expense Ratio(%) 2.42
Scheme Benchmark BSE 500 TRI Broader Benchmark Hybrid 35 Debt+65 Equity Aggressive Index
Fund Manager Pratik Dharmshi
 
Riskometer
Investors understand that their principal will be at Very High risk
 
Scheme 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.

Portfolio Classification
 
Asset Mix
 
Concentration Analysis
Top 5 Holdings 19.68%
Top 10 Holdings 30.94%
Top 25 Holdings 54.95%
 
Sector Analysis
Sector/Ratings Net Asset(%)
Banking & Financial 24.91
Automobile 7.94
Consumer Durables 6.6
Pharma & Biotech 5.38
Finance & Investments 5.3
Electricals 5.01
Software & Services 4.98
Industrial Products 4.91
Retail 4.69
Construction 4.64
Chemicals 4.35
Agricultural & Farm Machinery 3.0
Petroleum Products 2.67
Energy 2.34
Aerospace & Defence 2.23
Ferrous Metals 2.04
FMCG 1.87
Telecom 1.64
Miscellaneous 1.42
Healthcare 1.2
Cash 1.01
Non - Ferrous Metals 0.9
Oil & GAS 0.88
SOV 0.08
A1+ 0.01
 
 
 
 
 
Portfolio Metrics
PB Ratio 4.16
PE Ratio 26.64
 
Top 25 Holdings
Holdings Net Asset(%)
ICICI Bank Limited 5.81
HDFC Bank Limited 5.52
MULTI COMMODITY EXCHANGE OF IN 3.03
Reliance Industries Limited 2.67
ACUTAAS CHEMICALS LIMITED 2.65
State Bank of India 2.62
NTPC Limited 2.34
Tata Consumer Products Limited 2.16
Solar Industries India Limited 2.09
Larsen & Toubro Limited 2.05
GE T&D INDIA LIMITED 1.94
Infosys Limited 1.90
Muthoot Finance Limited 1.75
NAVIN FLUORINE INTERNATIONAL L 1.74
S J S Enterprises Ltd 1.66
KARUR VYSYA BANK LTD. 1.64
Bharti Airtel Limited 1.64
Titan Co Ltd 1.57
Bharat Electronics Limited 1.50
ZF Comm. Vehicle Control Systems Ind Ltd 1.50
MphasiS Limited 1.49
Azad Engineering Limited 1.44
Phoenix Mills Limited 1.44
Max Financial Services Limited 1.42
J K CEMENT LTD 1.38

Performance Analysis
 
Short Terms Returns
1 Month 3 Month 6 Month 1 Year
0.19% 6.39% -1.31% 3.13%
 
Broader Market Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
-1.47% 0.50% -7.98% -3.04%
 
Scheme Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
-1.47% 0.50% -7.98% -3.04%
 
Long term Returns
2 Year 3 Year 5 Year 10 Year
3.57% 13.94% 0.00% 0.00%
 
 
1.61% 7.94% 8.28% 10.29%
 
 
1.61% 7.94% 8.28% 10.29%
 
Cumulative Performance of Last 5 Years
 
Calendar Year Returns

Risk Analysis
 
Absolute Metrics (Single Computation - last 3 years)
Scheme Name Standard Deviation Sharpe Ratio Downside Deviation Downside Probability Sortino Ratio
Union Retirement Fund Reg (G) 14.40% 0.5144 12.4213% 38.9417 0.0850
 
Benchmark Relative Metrics (Single Computation - last 3 years)
Scheme Name Alpha Beta Treynor Ratio Tracking Error Information Ratio
Union Retirement Fund Reg (G) 5.4059% 0.0000 0.0694 7.7859 1.0162
 
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