Markets / Mutual funds / Retirement
Union Mutual Fund · Solution oriented fund · Direct plan · IDCW
The investment objective of the Scheme is 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. However, there is no assurance that the Investment Objective of the Scheme will be achieved.
Bars: this plan; the thin mark is the Retirement average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -0.3 | |||||||||||
| 2025 | -4.8 | -8.1 | +7.8 | +1.6 | +4.6 | +4.6 | -2.4 | -1.3 | +1.3 | +3.7 | +1.3 | -0.3 |
| 2026 | -1.8 | +1.6 | -10.0 | +9.5 | +0.5 | +3.3 | +1.0 | +2.1 | -6.6 | -2.2 | +5.8 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Share of fund | 31 Oct 2026 | 30 Sept 2026 | Change |
|---|---|---|---|
| Stocks held | 98.2% | 97.9% | +0.30 |
| Short positions | -0.1% | -0.3% | +0.19 |
| Money market | 0.0% | 0.1% | -0.04 |
| Cash & others | 1.8% | 2.1% | -0.26 |
| Top 10 stocks | 28.3% | 27.5% | +0.82 |
| Number of stocks | 77 | 78 | -1 |
Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.
| Holding | % of fund |
|---|---|
| ICICI Bank Ltd. INE090A01021 | 6.18% |
| HDFC Bank Ltd. INE040A01034 | 4.26% |
| Multi Commodity Exchange of India Ltd. INE745G01043 | 2.66% |
| Solar Industries India Ltd. INE343H01029 | 2.45% |
| Eternal Ltd. INE758T01015 | 2.36% |
| Navin Fluorine International Ltd. INE048G01026 | 2.13% |
| Axis Bank Ltd. INE238A01034 | 2.09% |
| Reliance Industries Ltd. INE002A01018 | 2.09% |
| Cemindia Projects Ltd. INE686A01026 | 2.07% |
| Tata Consumer Products Ltd. INE192A01025 | 2.02% |
| Karur Vysya Bank Ltd. INE036D01028 | 1.91% |
| Acutaas Chemicals Ltd. INE00FF01025 | 1.87% |
| S.J.S. Enterprises Ltd. INE284S01014 | 1.84% |
| Infosys Ltd. INE009A01021 | 1.84% |
| State Bank of India INE062A01020 | 1.80% |
| NTPC Ltd. INE733E01010 | 1.79% |
| GE Vernova T&D India Ltd. INE200A01026 | 1.78% |
| Bharti Airtel Ltd. INE397D01024 | 1.65% |
| Mphasis Ltd. INE356A01018 | 1.59% |
| Azad Engineering Ltd. INE02IJ01035 | 1.56% |
| The Phoenix Mills Ltd. INE211B01039 | 1.54% |
| Sona Blw Precision Forgings Ltd. INE073K01018 | 1.53% |
| Titan Company Ltd. INE280A01028 | 1.53% |
| Gabriel India Ltd. INE524A01029 | 1.51% |
| Torrent Pharmaceuticals Ltd. INE685A01028 | 1.41% |
| Adani Ports and Special Economic Zone Ltd. INE742F01042 | 1.36% |
| Dixon Technologies (India) Ltd. INE935N01020 | 1.35% |
| ZF Commercial Vehicle Control Systems India Ltd. INE342J01019 | 1.24% |
| CarTrade Tech Ltd. INE290S01011 | 1.24% |
| Hyundai Motor India Ltd. INE0V6F01027 | 1.22% |
| Kirloskar Oil Engines Ltd. INE146L01010 | 1.21% |
| Ajanta Pharma Ltd. INE031B01049 | 1.14% |
| Kfin Technologies Ltd. INE138Y01010 | 1.13% |
| Ujjivan Small Finance Bank Ltd. INE551W01018 | 1.12% |
| Angel One Ltd. INE732I01021 | 1.11% |
| Varun Beverages Ltd. INE200M01039 | 1.08% |
| Shilpa Medicare Ltd. INE790G01031 | 1.06% |
| Cholamandalam Investment & Finance Co. Ltd. INE121A01024 | 1.05% |
| Shriram Finance Ltd. INE721A01047 | 1.05% |
| Persistent Systems Ltd. INE262H01021 | 1.04% |
| Trent Ltd. INE849A01020 | 1.04% |
| JSW Steel Ltd. INE019A01038 | 1.01% |
| Shadowfax Technologies Ltd. INE12UN01015 | 1.00% |
| Hindustan Copper Ltd. INE531E01026 | 0.93% |
| Maruti Suzuki India Ltd. INE585B01010 | 0.92% |
| Aarti Industries Ltd. INE769A01020 | 0.92% |
| Bharat Heavy Electricals Ltd. INE257A01026 | 0.90% |
| LG Electronics India Ltd. INE324D01010 | 0.90% |
| Vijaya Diagnostic Centre Ltd. INE043W01024 | 0.89% |
| Tata Motors Ltd. INE1TAE01010 | 0.88% |
| JK Cement Ltd. INE823G01014 | 0.87% |
| KSB Ltd. INE999A01023 | 0.86% |
| HCL Technologies Ltd. INE860A01027 | 0.84% |
| Apollo Hospitals Enterprise Ltd. INE437A01024 | 0.83% |
| TVS Motor Company Ltd. INE494B01023 | 0.82% |
| CG Power and Industrial Solutions Ltd. INE067A01029 | 0.79% |
| Arvind Ltd. INE034A01011 | 0.77% |
| Blue Star Ltd. INE472A01039 | 0.77% |
| Central Depository Services (I) Ltd. INE736A01011 | 0.74% |
| Grasim Industries Ltd. INE047A01021 | 0.73% |
| Adani Enterprises Ltd. INE423A01024 | 0.70% |
| Ather Energy Ltd. INE0LEZ01016 | 0.69% |
| Tempsens Instruments (India) Ltd. INE1KZI01025 | 0.68% |
| MTAR technologies Ltd. INE864I01014 | 0.67% |
| Jubilant Foodworks Ltd. INE797F01020 | 0.66% |
| Interglobe Aviation Ltd. INE646L01027 | 0.66% |
| Aegis Logistics Ltd. INE208C01025 | 0.66% |
| Data Patterns (India) Ltd. INE0IX101010 | 0.65% |
| Doms Industries Ltd. INE321T01012 | 0.64% |
| Engineers India Ltd. INE510A01028 | 0.63% |
| Godrej Properties Ltd. INE484J01027 | 0.62% |
| Garden Reach Shipbuilders & Engineers Ltd. INE382Z01011 | 0.53% |
| Max Healthcare Institute Ltd. INE027H01010 | 0.51% |
| Home First Finance Company India Ltd. INE481N01025 | 0.50% |
| Hindalco Industries Ltd. INE038A01020 | 0.50% |
| KEI Industries Ltd. INE878B01027 | 0.46% |
| PB Fintech Ltd. INE417T01026 | 0.12% |
| Holding | % of fund |
|---|---|
| Net Receivable / Payable | -0.08% |
| Holding | % of fund |
|---|---|
| TREPS | 1.90% |
| 91 Day Treasury Bills IN002026X255 | 0.03% |
From the fund house's monthly portfolio (unionmf.com), as on 31 Oct 2026. Percentages are of the fund's net assets; short positions are negative. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 30 Sept 2022).
| Fund size (average AUM, July - September 2026) | ₹212 cr across all plans · this plan ₹0.17 cr |
| Fund house | Union Mutual Fund |
| Category | Solution oriented · Retirement |
| Plan | Direct |
| Option | IDCW |
| Expense ratio (TER) | Direct 1.32% · Regular 2.67% (5 Nov 2026) |
| Minimum investment | ₹1,000 · additional ₹1,000 |
| Scheme code (AMFI) | 150555 |
| ISIN | INF582M01IL3 |
| NAV date | 6 Nov 2026 |
Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹17.3900 | +4.89% |
| Regular · Growth | ₹16.4100 | +3.53% |
| Regular · IDCW | ₹15.2100 | -4.04% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| ICICI Prudential Retirement Fund Pure Equity Plan | +3.85% | +20.62% |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | +3.07% | +17.72% |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan | +12.87% | +17.54% |
| Union Retirement Fund | +4.89% | +13.90% |
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | +3.00% | +12.44% |
| Nippon India Retirement Fund- Wealth Creation Scheme | -1.13% | +11.85% |
| HDFC Retirement Fund - Equity Plan | -1.87% | +11.31% |
| BANDHAN RETIREMENT FUND | +3.13% | +10.98% |
Information only, not investment advice.
₹17.1900 as of 6 Nov 2026, from AMFI's official NAV data.
1 year: 3.68%, 3 years: 13.46% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.