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Union Retirement Fund Regular-idcw
Equity
Large Cap
Very High Risk
Latest AUM
₹ 206.3 Cr.
NAV as on 03 aug, 2026
₹ 16.73
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
Union Retirement Fund Regular-idcw
Inception Date
22 Sep 2022
Lock In
1825
SIP Minimum Investment amount
₹100
SWP Minimum Investment amount
₹500
STP Minimum Investment amount
₹100
Risk
Principal at very high risk
Category Average Annual Returns
0.23
Portfolio Composition Analysis
Equity
98.77%
Debt
0.07%
Cash
1.16%
Portfolio Updated on: 10 Jul, 2026
Sector Allocations
Equity
Financial
Consumer Discretionary
Industrials
Technology
Materials
Healthcare
Energy & Utilities
Consumer Staples
Real Estate
Portfolio Updated on: 03 aug, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 7.53% |
| HDFC Bank Ltd | Financial | Equity | 6.87% |
| HDFC Bank Ltd | Financial | Equity | 6.89% |
| HDFC Bank Ltd | Financial | Equity | 6.89% |
| HDFC Bank Ltd | Financial | Equity | 6.62% |
| ICICI Bank Ltd | Financial | Equity | 6.00% |
| ICICI Bank Ltd | Financial | Equity | 6.00% |
| HDFC Bank Ltd | Financial | Equity | 6.95% |
| HDFC Bank Ltd | Financial | Equity | 6.27% |
| HDFC Bank Ltd | Financial | Equity | 6.08% |
Debt & Credit Risk Analysis
| Alpha | 1.65% |
| Beta | 0.90% |
| R2 | 0.95% |
| Sharpe Ratio | 0.55% |
| Standard Deviation | 14.01% |
| Sortino Ratio | 0.66% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 6.09% | NA | 3.06% |
| 6 Months | 4.30% | NA | 12.13% |
| 9 Months | 3.98% | NA | 3.39% |
| 1 Year | 9.08% | 9.08% | 0.23% |
| 2 Years | 9.18% | 4.49% | 19.05% |
| 3 Years | 48.39% | 14.06% | 17.87% |
Union Retirement Fund Regular-idcw is one Equity mutual fund offered by Union Mutual Fund. Launched on 22 Sep 2022, the fund aims Long Term Capital Appreciation. Investment in a mix of securities comprising of equity, equity related securities and debt instruments as per the asset allocation of the Scheme with a view to provide a retirement investment solution to investors. It manages assets worth ₹206.3 crore as on Tue Jun 30, 2026. The expense ratio stands at 2.69%.
Pratit Vajani has experience Prior to joining Union AMC, Mr. Vajani was associated with ICICI Securities Ltd and Price water house Coopers Private Limited.
Pratik Dharmshi has experience Prior to joining Union AMC, he was associated with UTI Pension Fund Limited, Safe Enterprises, Girik Capital, Edelweiss AMC, JP Morgan India Pvt. Ltd., CRISIL Ltd. & Morgan Stanley Advantage Services Pvt. Ltd.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| ICICI Prudential Retirement Fund - Pure Equity Plan Direct-growth | 1,997.8 | +2.25% | +4.69% | +6.05% | +13.85% | +22.56% | +21.27% |
| ICICI Prudential Retirement Fund - Pure Equity Plan Direct-idcw | 1,997.8 | +2.25% | +4.69% | +6.05% | +13.85% | +22.56% | +21.27% |
| SBI Children's Fund - Investment Plan Direct-growth | 6,944.3 | +0.67% | +7.26% | +14.57% | +17.84% | +21.63% | +21.09% |
| SBI Children's Fund - Investment Plan Regular-growth | 6,944.3 | +0.58% | +7.01% | +14.03% | +16.68% | +20.32% | +19.66% |
| ICICI Prudential Retirement Fund - Pure Equity Plan-growth | 1,997.8 | +2.14% | +4.35% | +5.36% | +12.34% | +20.89% | +19.62% |
| ICICI Prudential Retirement Fund - Pure Equity Plan-idcw | 1,997.8 | +2.14% | +4.35% | +5.36% | +12.34% | +20.89% | +19.62% |
| HDFC Flexi Cap Direct Plan-growth | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Flexi Cap Direct Plan-idcw | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Flexi Cap Fund Regular-growth | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Fund Regular-idcw | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from Union Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Union Flexi Cap Fund-growth | 2,375.9 | +2.21% | +7.05% | +3.79% | +5.76% | +12.11% | +10.93% |
| Union Flexi Cap Fund Direct-growth | 2,375.9 | +2.29% | +7.34% | +4.33% | +6.90% | +13.37% | +12.18% |
| Union Flexi Cap Fund-idcw | 2,375.9 | +2.21% | +7.05% | +3.79% | +5.76% | +12.11% | +10.93% |
| Union Flexi Cap Fund Direct-idcw | 2,375.9 | +2.29% | +7.34% | +4.33% | +6.90% | +13.37% | +12.18% |
| Union Retirement Fund Regular-growth | 206.3 | +1.58% | +6.09% | +4.30% | +9.08% | +14.06% | — |
| Union Retirement Fund Direct-growth | 206.3 | +1.67% | +6.39% | +4.93% | +10.45% | +15.52% | — |
| Union Retirement Fund Direct-idcw | 206.3 | +1.67% | +6.39% | +4.93% | +10.45% | +15.52% | — |
| Union Diversified Equity All Cap Active Fof Regular-growth | 192.7 | +2.82% | +8.91% | +10.04% | — | — | — |
| Union Diversified Equity All Cap Active Fof Direct-growth | 192.7 | +2.90% | +9.17% | +10.55% | — | — | — |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Parag Parikh Flexi Cap Fund Direct-growth | 143,388.4 | +2.46% | +0.84% | -1.57% | -0.12% | +14.31% | +13.68% |
| Parag Parikh Flexi Cap Fund Regular-growth | 143,388.4 | +2.41% | +0.68% | -1.87% | -0.74% | +13.54% | +12.79% |
| Parag Parikh Flexi Cap Fund Regular-idcw | 143,388.4 | +2.41% | +0.68% | -1.87% | -0.74% | +13.54% | +12.79% |
| Parag Parikh Flexi Cap Fund Direct-idcw | 143,388.4 | +2.46% | +0.84% | -1.57% | -0.12% | +14.31% | +13.68% |
| HDFC Flexi Cap Fund Regular-growth | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Direct Plan-growth | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Flexi Cap Fund Regular-idcw | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Direct Plan-idcw | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| Kotak Flexicap Fund Direct-growth | 55,850.3 | +1.16% | +4.49% | -0.82% | +5.08% | +14.39% | +12.39% |
| Kotak Flexicap Fund Regular-growth | 55,850.3 | +1.09% | +4.27% | -1.23% | +4.20% | +13.42% | +11.41% |
Top funds are based on Fund AUM
Top Equity Funds
| Fund name | ||||
|---|---|---|---|---|
| Icici Prudential Retirement Fund - Pure Equity Plan Direct-growth | ₹39.99 | +22.56% | +21.27% | — |
| Icici Prudential Retirement Fund - Pure Equity Plan Direct-idcw | ₹39.98 | +22.56% | +21.27% | — |
| Sbi Children's Fund - Investment Plan Direct-growth | ₹53.20 | +21.63% | +21.09% | — |
| Sbi Children's Fund - Investment Plan Regular-growth | ₹49.47 | +20.32% | +19.66% | — |
| Icici Prudential Retirement Fund - Pure Equity Plan-growth | ₹35.78 | +20.89% | +19.62% | — |
| Icici Prudential Retirement Fund - Pure Equity Plan-idcw | ₹35.79 | +20.89% | +19.62% | — |
| Hdfc Flexi Cap Direct Plan-growth | ₹2,305.46 | +18.31% | +18.73% | — |
| Hdfc Flexi Cap Direct Plan-idcw | ₹93.22 | +18.31% | +18.73% | — |
| Hdfc Flexi Cap Fund Regular-growth | ₹2,094.50 | +17.53% | +17.95% | — |
| Hdfc Flexi Cap Fund Regular-idcw | ₹75.69 | +17.53% | +17.95% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 03 Aug 2026 | ₹16.73 |
| 31 Jul 2026 | ₹16.50 |
| 30 Jul 2026 | ₹16.41 |
| 29 Jul 2026 | ₹16.46 |
| 28 Jul 2026 | ₹16.36 |
| 27 Jul 2026 | ₹16.48 |
| 24 Jul 2026 | ₹16.24 |
| 23 Jul 2026 | ₹16.31 |
| 22 Jul 2026 | ₹16.48 |
| 21 Jul 2026 | ₹16.63 |
| 20 Jul 2026 | ₹16.56 |
| 17 Jul 2026 | ₹16.52 |
| 16 Jul 2026 | ₹16.54 |
| 15 Jul 2026 | ₹16.58 |
| 14 Jul 2026 | ₹16.48 |
| 13 Jul 2026 | ₹16.59 |
| 10 Jul 2026 | ₹16.59 |
| 09 Jul 2026 | ₹16.40 |
| 08 Jul 2026 | ₹16.22 |
| 07 Jul 2026 | ₹16.50 |
| 06 Jul 2026 | ₹16.59 |
| 03 Jul 2026 | ₹16.47 |
| 02 Jul 2026 | ₹16.52 |
| 01 Jul 2026 | ₹16.44 |
| 30 Jun 2026 | ₹16.35 |
| 29 Jun 2026 | ₹16.33 |
| 25 Jun 2026 | ₹16.32 |
| 24 Jun 2026 | ₹16.34 |
| 23 Jun 2026 | ₹16.30 |
| 22 Jun 2026 | ₹16.44 |
Portfolio Updated on: 04 Aug, 2026
Fund Growth & Size Analysis
+₹206.3 Cr
Since Launch
This Fund
Category Average
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Union Retirement Fund Regular-idcw Returns Comparison
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Union Retirement Fund Regular-idcw FAQ'S
- Sharpe Ratio: 0.55%
- Standard Deviation: 14.01%
- Beta: 0.90%
- Alpha: 1.65%
- R-squared: 0.95%
- Information Ratio: 0.29%
- Sortino Ratio: 0.66%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under Union Retirement Fund Regular-idcw stand at approximately ₹ 206.3 crore.
The Union Retirement Fund Regular-idcw has delivered the following short-term performance:
- 3 Months Return: 6.09%
- 6 Months Return: 4.30%
The historical growth of the Union Retirement Fund Regular-idcw is reflected through its CAGR returns:
- 3 Year CAGR: 14.06%
- Return Since Launch: 14.24%
The portfolio of Union Retirement Fund Regular-idcw is distributed across different asset classes as follows:
- Equity: 98.77%
- Debt Instruments: 0.07%
- Other Assets: 1.16%
The Union Retirement Fund Regular-idcw is managed by Pratik Dharmshi, representing Union Mutual Fund.
The Union Retirement Fund Regular-idcw investments are allocated across market caps in the following manner:
- Large Cap Stocks: 52.53%
- Mid Cap Stocks: 21.20%
- Small Cap Stocks: 26.27%
Top stock holdings of Union Retirement Fund Regular-idcw include:
- HDFC Bank Ltd – represents 7.53% of the portfolio
- HDFC Bank Ltd – represents 6.87% of the portfolio
- HDFC Bank Ltd – represents 6.89% of the portfolio
- HDFC Bank Ltd – represents 6.89% of the portfolio
- HDFC Bank Ltd – represents 6.62% of the portfolio
- ICICI Bank Ltd – represents 6.00% of the portfolio
- ICICI Bank Ltd – represents 6.00% of the portfolio
- HDFC Bank Ltd – represents 6.95% of the portfolio
- HDFC Bank Ltd – represents 6.27% of the portfolio
- HDFC Bank Ltd – represents 6.08% of the portfolio
Major sector exposures in Union Retirement Fund Regular-idcw are:
- Financial – accounts for 353.39% of the portfolio
- Consumer Discretionary – accounts for 113.67% of the portfolio
- Industrials – accounts for 110.77% of the portfolio
- Technology – accounts for 96.65% of the portfolio
- Materials – accounts for 70.20% of the portfolio
