Union Retirement Fund
Get the latest NAV of Union Retirement Fund. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.
₹15.77
▲2.3%1D
NAV as on 25 Mar 2026
13.88%/per year
Since Inception
▲▼
66 people have invested ₹ 97.1K in Union Retirement Fund in the last three months
Union Retirement Fund Performance vs. Retirement Index
Fund returns vs Benchmark returns vs Category Average returns as on (25-Mar-26)
The fund has outperformed the benchmark (Retirement Index) over 1Y, 3Y, but underperformed over 5Y.
Peer comparison
Union Retirement Fund Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
Union Retirement Fund Asset Allocation
See fund asset allocation details as on (14-Mar-26)
Fund Distribution
as on (14-Mar-26)
Union Retirement Fund Sector Allocation
See fund sector allocation details as on (14-Mar-26)
Sector Allocation
Top 3 Sectors in February were Financial Services, Consumer Cyclical & Industrial
Financial Services
32%
Consumer Cyclical
15%
Industrial
15%
Financial Services
32%
Consumer Cyclical
15%
Industrial
14%
Union Retirement Fund Holdings Details
as on (28-Feb-26)
Union Retirement Fund Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 1.14% |
Benchmark | BSE 500 India TR INR |
| AUM | ₹196 Cr |
| Inception Date | 22 September, 2022 |
| Min Lumpsum/SIP | ₹1,000/₹500 |
| Exit Load | 0% |
| Lock In | 5 Years |
TurnOver | 64.19% |
| Risk |   Very High Risk |
About Union Retirement Fund
Union Retirement Fund is a hybrid fund. This fund was started on 22 September, 2022. The fund is managed by Pratit Vajani, Pratik Dharmshi. This fund gives you the benefit of diversification.
Key Parameters
- Union Retirement Fund has ₹196 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
- The fund has an expense ratio 1.1.
Returns
Union Retirement Fund has given a CAGR return of 13.88% since inception. Over the last 1 and 3 years the fund has given a CAGR return of 5.84% and 18.49% respectively.
Holdings
Union Retirement Fund has allocated its funds majorly in Cash Equivalent, Financial Services, Consumer Cyclical, Industrial, Basic Materials, Tech, Health, Energy, Consumer Defensive, Communication, Utilities, Real Estate, Corporate.
Taxation
As it is a retirement mutual fund the taxation is as follows:If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitLong term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).
Investment objective of Union Retirement Fund
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.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 1000.00 and for SIP is INR 500.00. There is a lock in period for Union Retirement Fund of 5 Years
Fund Manager
Pratit Vajani
Fund Manager of Union Retirement Fund, since 1 July 2025
Pratik Dharmshi
Fund Manager of Union Retirement Fund, since 9 December 2024
- AUM of the fund stands at 195.7 Cr as of Feb'26
- AUM increased by 5.6 Cr between Feb'26 and Jan'26
Frequently Asked Questions for Union Retirement Fund
How do I invest in Union Retirement Fund?
- Download the INDmoney app.
- Search for ‘Union Retirement Fund’.
- Select whether you want to invest in SIP or lump sum.
- Enter the amount you wish to invest.
- Set up payments via bank mandate or UPI.