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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.) 186.0 Latest NAV 15.79 As on 29-01-2026
Equity(%) 98.27 52 Week High 16.32
Debt(%) 1.73 52 Week Low 13.31
Others(%) 0.0 Exit Load 0
Minimum Investment - Availability
Entry Load Nil Expense Ratio(%) 2.39
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 21.46%
Top 10 Holdings 32.21%
Top 25 Holdings 56.23%
 
Sector Analysis
Sector/Ratings Net Asset(%)
Banking & Financial 23.93
Automobile 9.34
Software & Services 7.47
Finance & Investments 6.41
Pharma & Biotech 5.41
Industrial Products 5.18
Construction 4.69
Retail 4.24
Consumer Durables 4.16
Petroleum Products 4.09
Electricals 3.52
Chemicals 2.97
Aerospace & Defence 2.6
Agricultural & Farm Machinery 2.28
Miscellaneous 1.99
Telecom 1.87
Cash 1.57
Healthcare 1.45
Ferrous Metals 1.3
Energy 1.2
Consumer Non Durable 0.94
FMCG 0.93
SERVICES 0.81
Oil & GAS 0.76
Metals 0.72
SOV 0.16
Preference Shares 0.01
 
 
 
 
 
Portfolio Metrics
PB Ratio 4.64
PE Ratio 32.41
 
Top 25 Holdings
Holdings Net Asset(%)
HDFC Bank Limited 6.87
ICICI Bank Limited 5.70
Reliance Industries Limited 3.51
Infosys Limited 2.81
State Bank of India 2.57
Tata Consumer Products Limited 2.28
Muthoot Finance Limited 2.18
Larsen & Toubro Limited 2.13
MULTI COMMODITY EXCHANGE OF IN 2.11
Bharat Electronics Limited 2.05
ACUTAAS CHEMICALS LIMITED 1.93
Mphasis Limited 1.89
Bharti Airtel Limited 1.87
TREPS 1.83
Mahindra & Mahindra Limited 1.68
Solar Industries India Limited 1.67
S J S Enterprises Ltd 1.60
Max Financial Services Limited 1.56
J K CEMENT LTD. 1.48
Jio Financial Services Limited 1.46
Max Healthcare Institute Limited 1.45
KARUR VYSYA BANK LTD. 1.42
Maruti Suzuki India Limited 1.42
ZF Comm. Vehicle Control Systems Ind Ltd 1.39
EUREKA FORBES LTD 1.37

Performance Analysis
 
Short Terms Returns
1 Month 3 Month 6 Month 1 Year
-1.19% -2.05% 2.07% 10.65%
 
Broader Market Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
-2.78% -2.46% 0.36% 10.37%
 
Scheme Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
-2.78% -2.46% 0.36% 10.37%
 
Long term Returns
2 Year 3 Year 5 Year 10 Year
9.61% 17.87% 0.00% 0.00%
 
 
8.63% 13.22% 13.43% 12.97%
 
 
8.63% 13.22% 13.43% 12.97%
 
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) 12.36% 0.7535 11.0926% 38.5656 0.1130
 
Benchmark Relative Metrics (Single Computation - last 3 years)
Scheme Name Alpha Beta Treynor Ratio Tracking Error Information Ratio
Union Retirement Fund Reg (G) 6.7266% 0.0000 0.1811 13.5981 0.3935
 
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