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Mutual fundsSIF

Union Retirement Fund - Regular Plan - Growth

NAVs of 8 Nov 2026

Union Mutual Fund · Solution oriented fund · Regular plan · Growth

RetirementRegular · GrowthRisk: Very High
NAV · 6 Nov 2026
₹16.4100 ▲ 0.92%
Union Mutual Fund
Fund size₹212 crJuly - September 2026
1-month range₹15.03 – 16.41
1 year+3.53%rank 8 of 34
Expense ratio2.67%regular plan, a year
5 years–a year

What the fund does

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.

BenchmarkBSE 500 Index (TRI)
Launched22 Sept 2022
Fund houseUnion Mutual Fund
Fund managersFM 1 - Mr. Pratik DharmshiFM 2 - Mr. Pratit Vajani

NAV history

151617 2026-08-122026-08-252026-09-072026-09-212026-10-052026-10-162026-10-30

Returns

1 week
+5.80%avg 4.7%
1 month
+3.47%avg 3.4%
3 months
-1.80%avg -0.8%
6 months
+1.42%avg 2.6%
This year
+1.86%avg 1.7%
1 year
+3.53%avg 2.4% · #8/34
3 years (a year)
+12.45%avg 10.0% · #7/31

Bars: this plan; the thin mark is the Retirement average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024-0.4
2025-4.9-8.1+7.6+1.5+4.5+4.5-2.4-1.4+1.1+3.6+1.2-0.4
2026-2.0+1.6-10.1+9.4+0.5+3.2+0.9+2.0-5.7-2.3+5.8

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

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.

Portfolio as on 31 Oct 2026

Stocks held7780 lines in all
Top 10 stocks28.3%of the fund
Short positions-0.1%sold through derivatives
Net equity98.1%long stocks and derivatives minus shorts

Where the money is

Equity 98.2%Cash & others 1.8%Short -0.1%

Sectors (stocks held)

Banks
17.4%
Auto Components
6.1%
Electrical Equipment
5.7%
Capital Markets
5.6%
Chemicals & Petrochemicals
5.5%
Pharmaceuticals & Biotechnology
5.5%
IT - Software
5.3%
Retailing
4.6%

Changes since 30 Sept 2026

Share of fund31 Oct 202630 Sept 2026Change
Stocks held98.2%97.9%+0.30
Short positions-0.1%-0.3%+0.19
Money market0.0%0.1%-0.04
Cash & others1.8%2.1%-0.26
Top 10 stocks28.3%27.5%+0.82
Number of stocks7778-1
New stocks 3
  • Shilpa Medicare Ltd.1.06%
  • Tempsens Instruments (India) Ltd.0.68%
  • Aegis Logistics Ltd.0.66%
Stocks sold off 4
  • Nippon Life India Asset Management Ltd.was 1.30%
  • Max Financial Services Ltd.was 1.16%
  • Amber Enterprises India Ltd.was 0.84%
  • Atul Ltd.was 0.43%
Bought more 7
  • Cemindia Projects Ltd.+1.09
  • Sona Blw Precision Forgings Ltd.+0.53
  • ICICI Bank Ltd.+0.42
  • Vijaya Diagnostic Centre Ltd.+0.37
  • Acutaas Chemicals Ltd.+0.36
  • Infosys Ltd.+0.32
  • Mphasis Ltd.+0.25
Cut back 6
  • Max Healthcare Institute Ltd.-0.56
  • CarTrade Tech Ltd.-0.37
  • Kirloskar Oil Engines Ltd.-0.32
  • Azad Engineering Ltd.-0.31
  • Ujjivan Small Finance Bank Ltd.-0.29
  • KSB Ltd.-0.26

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.

Stocks held 77

HoldingSector / type% of fund
ICICI Bank Ltd.
INE090A01021		Banks6.18%
HDFC Bank Ltd.
INE040A01034		Banks4.26%
Multi Commodity Exchange of India Ltd.
INE745G01043		Capital Markets2.66%
Solar Industries India Ltd.
INE343H01029		Chemicals & Petrochemicals2.45%
Eternal Ltd.
INE758T01015		Retailing2.36%
Navin Fluorine International Ltd.
INE048G01026		Chemicals & Petrochemicals2.13%
Axis Bank Ltd.
INE238A01034		Banks2.09%
Reliance Industries Ltd.
INE002A01018		Petroleum Products2.09%
Cemindia Projects Ltd.
INE686A01026		Construction2.07%
Tata Consumer Products Ltd.
INE192A01025		Agricultural Food & other Products2.02%
Karur Vysya Bank Ltd.
INE036D01028		Banks1.91%
Acutaas Chemicals Ltd.
INE00FF01025		Pharmaceuticals & Biotechnology1.87%
S.J.S. Enterprises Ltd.
INE284S01014		Auto Components1.84%
Infosys Ltd.
INE009A01021		IT - Software1.84%
State Bank of India
INE062A01020		Banks1.80%
NTPC Ltd.
INE733E01010		Power1.79%
GE Vernova T&D India Ltd.
INE200A01026		Electrical Equipment1.78%
Bharti Airtel Ltd.
INE397D01024		Telecom - Services1.65%
Mphasis Ltd.
INE356A01018		IT - Software1.59%
Azad Engineering Ltd.
INE02IJ01035		Electrical Equipment1.56%
The Phoenix Mills Ltd.
INE211B01039		Realty1.54%
Sona Blw Precision Forgings Ltd.
INE073K01018		Auto Components1.53%
Titan Company Ltd.
INE280A01028		Consumer Durables1.53%
Gabriel India Ltd.
INE524A01029		Auto Components1.51%
Torrent Pharmaceuticals Ltd.
INE685A01028		Pharmaceuticals & Biotechnology1.41%
Adani Ports and Special Economic Zone Ltd.
INE742F01042		Transport Infrastructure1.36%
Dixon Technologies (India) Ltd.
INE935N01020		Consumer Durables1.35%
ZF Commercial Vehicle Control Systems India Ltd.
INE342J01019		Auto Components1.24%
CarTrade Tech Ltd.
INE290S01011		Retailing1.24%
Hyundai Motor India Ltd.
INE0V6F01027		Automobiles1.22%
Kirloskar Oil Engines Ltd.
INE146L01010		Industrial Products1.21%
Ajanta Pharma Ltd.
INE031B01049		Pharmaceuticals & Biotechnology1.14%
Kfin Technologies Ltd.
INE138Y01010		Capital Markets1.13%
Ujjivan Small Finance Bank Ltd.
INE551W01018		Banks1.12%
Angel One Ltd.
INE732I01021		Capital Markets1.11%
Varun Beverages Ltd.
INE200M01039		Beverages1.08%
Shilpa Medicare Ltd.
INE790G01031		Pharmaceuticals & Biotechnology1.06%
Cholamandalam Investment & Finance Co. Ltd.
INE121A01024		Finance1.05%
Shriram Finance Ltd.
INE721A01047		Finance1.05%
Persistent Systems Ltd.
INE262H01021		IT - Software1.04%
Trent Ltd.
INE849A01020		Retailing1.04%
JSW Steel Ltd.
INE019A01038		Ferrous Metals1.01%
Shadowfax Technologies Ltd.
INE12UN01015		Transport Services1.00%
Hindustan Copper Ltd.
INE531E01026		Non - Ferrous Metals0.93%
Maruti Suzuki India Ltd.
INE585B01010		Automobiles0.92%
Aarti Industries Ltd.
INE769A01020		Chemicals & Petrochemicals0.92%
Bharat Heavy Electricals Ltd.
INE257A01026		Electrical Equipment0.90%
LG Electronics India Ltd.
INE324D01010		Consumer Durables0.90%
Vijaya Diagnostic Centre Ltd.
INE043W01024		Healthcare Services0.89%
Tata Motors Ltd.
INE1TAE01010		Agricultural, Commercial & Construction Vehicles0.88%
JK Cement Ltd.
INE823G01014		Cement & Cement Products0.87%
KSB Ltd.
INE999A01023		Industrial Products0.86%
HCL Technologies Ltd.
INE860A01027		IT - Software0.84%
Apollo Hospitals Enterprise Ltd.
INE437A01024		Healthcare Services0.83%
TVS Motor Company Ltd.
INE494B01023		Automobiles0.82%
CG Power and Industrial Solutions Ltd.
INE067A01029		Electrical Equipment0.79%
Arvind Ltd.
INE034A01011		Textiles & Apparels0.77%
Blue Star Ltd.
INE472A01039		Consumer Durables0.77%
Central Depository Services (I) Ltd.
INE736A01011		Capital Markets0.74%
Grasim Industries Ltd.
INE047A01021		Cement & Cement Products0.73%
Adani Enterprises Ltd.
INE423A01024		Metals & Minerals Trading0.70%
Ather Energy Ltd.
INE0LEZ01016		Automobiles0.69%
Tempsens Instruments (India) Ltd.
INE1KZI01025		Industrial Manufacturing0.68%
MTAR technologies Ltd.
INE864I01014		Electrical Equipment0.67%
Jubilant Foodworks Ltd.
INE797F01020		Leisure Services0.66%
Interglobe Aviation Ltd.
INE646L01027		Transport Services0.66%
Aegis Logistics Ltd.
INE208C01025		Gas0.66%
Data Patterns (India) Ltd.
INE0IX101010		Aerospace & Defense0.65%
Doms Industries Ltd.
INE321T01012		Household Products0.64%
Engineers India Ltd.
INE510A01028		Construction0.63%
Godrej Properties Ltd.
INE484J01027		Realty0.62%
Garden Reach Shipbuilders & Engineers Ltd.
INE382Z01011		Aerospace & Defense0.53%
Max Healthcare Institute Ltd.
INE027H01010		Healthcare Services0.51%
Home First Finance Company India Ltd.
INE481N01025		Finance0.50%
Hindalco Industries Ltd.
INE038A01020		Non - Ferrous Metals0.50%
KEI Industries Ltd.
INE878B01027		Industrial Products0.46%
PB Fintech Ltd.
INE417T01026		Financial Technology (Fintech)0.12%

Short positions 1

HoldingSector / type% of fund
Net Receivable / Payable–-0.08%

Debt, money market and cash 2

HoldingSector / type% of fund
TREPS–1.90%
91 Day Treasury Bills
IN002026X255		Sovereign0.03%

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.

Risk

Volatility15.2%yearly, from daily NAVs
Worst fall-18.14%27 Sept 2024 → 28 Feb 2025
RiskometerVery HighVery High

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 details

Fund size (average AUM, July - September 2026)₹212 cr across all plans · this plan ₹0.26 cr
Fund houseUnion Mutual Fund
CategorySolution oriented · Retirement
PlanRegular
OptionGrowth
Expense ratio (TER)Direct 1.32% · Regular 2.67% (6 Nov 2026)
Minimum investment₹1,000 · additional ₹1,000
Scheme code (AMFI)150552
ISININF582M01IM1
NAV date6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Direct · Growth₹17.3900+4.89%
Direct · IDCW₹17.1900+3.68%
Regular · IDCW₹15.2100-4.04%

Top Retirement funds (regular plans)

Fund1 year3 years (a year)
ICICI Prudential Retirement Fund Pure Equity Plan+2.49%+18.97%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan+1.68%+16.07%
Aditya Birla Sun Life Retirement Fund-The 30s Plan+11.39%+16.00%
Tata Retirement Savings Fund-Progressive Plan+6.71%+13.55%
Axis Retirement Fund - Dynamic Plan+1.19%+13.32%
Tata Retirement Savings Fund-Moderate Plan+6.31%+12.87%
Union Retirement Fund+3.53%+12.45%
Axis Retirement Fund - Aggressive Plan+1.02%+12.44%

All Retirement funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of Union Retirement Fund - Regular Plan - Growth today?

₹16.4100 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of Union Retirement Fund - Regular Plan - Growth?

1 year: 3.53%, 3 years: 12.45% a year

How does Union Retirement Fund rank in its category?

8 of 34 Retirement funds (regular plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

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.