Sharpe ratio
0.73Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.41%1Y Absolute Return
-0.28%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Union Retirement Fund - Direct Plan - Growth OptionFund 3Y annualised return · 5Y history unavailable | ₹10,29,149 | ₹7,32,612 | ₹2,96,537 | +13.71% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.16
₹1 Lakh since launch₹1.16 Lakh
Fund age4.1 yrs
Fund information
Scheme code150554
ISININF582M01IK5
BenchmarkBSE 500 TRI
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.37%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
8th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +102.67% | — | — |
| 3M | -0.23% | — | — |
| 6M | +13.85% | — | — |
| 1Y | +5.41% | — | +1.16% |
| 3Y | +13.71% | — | +8.74% |
| Since Launch | +16.09% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.02Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
15.33%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.91How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 84 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 6.15% |
| HDFC Bank Ltd | Financial | Equity | 4.99% |
| Solar Industries India Ltd | Materials | Equity | 2.32% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 2.31% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.27% |
| S.J.S Enterprises Ltd | Consumer Discretionary | Equity | 2.05% |
| Zomato Ltd | Technology | Equity | 2.02% |
| State Bank of India | Financial | Equity | 2.01% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 1.91% |
| NTPC Ltd | Energy & Utilities | Equity | 1.9% |
Fund management
PR
Pratik Dharmshi
Since 2024 · 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.
Mr. Dharmshi has done B. Com & CA
PR
Pratit Vajani
Since 2025 · Prior to joining Union AMC, Mr. Vajani was associated with ICICI Securities Ltd and Price water house Coopers Private Limited.
PGDM (MDI Gurgaon), B.Tech (VJTI)
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk solution oriented scheme - retirement fund. Ahead of its category average over 3Y by 5.0 points.
Strengths
- Ahead of its category average over 3Y by 5.0 points.
- Losses and swings stayed contained — worst fall -17.8%, volatility 15.3%.
- Well spread out — top 10 holdings are only 28% of the portfolio.
- Ranks 8 of 106 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 15.3% volatility.
Risk drivers
- None