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Union Retirement Fund
Fund Overview
| AUM (Fund size) | ₹186 Cr |
| Exit load | 0% |
| Lock-in Period | 5 Years |
| Age | 3 yrs 2 m since Sep 01, 2022 |
| Benchmark | BSE 500 TRI |
| Min. investment | SIP: ₹3000 & Lumpsum: ₹10000 |
| Expense ratio | 2.39% as on Oct 31, 2025 |
| Plan type | Regular |
| Risk | Very High |
| Short term capital gains (STCG) | Returns taxed at 20% if you redeem before 1 year |
| Long term capital gains (LTCG) | After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
Peer Comparison
| Fund Name | 1M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|
| Union Retirement Fund | 0.44% | 5.52% | 5.73% | 16.45% | N.A. | N.A. |
| ICICI Prudential Retirement Fund - Pure Equity Plan | 1.04% | 9.88% | 12.68% | 24.32% | 25.76% | 13.02% |
| HDFC Retirement Savings Fund - Equity Plan | 0.59% | 3.06% | 4.99% | 18.18% | 22.21% | 17.91% |
| Nippon India Retirement Fund - Wealth Creation Scheme | -0.61% | 2.8% | 1.06% | 16.45% | 18.37% | 11.31% |
| Tata Retirement Savings Progressive | -0.37% | 1.86% | 1.62% | 15.54% | 14.46% | 13.34% |
| Aditya Birla Sun Life Retirement Fund - The 30s Plan | 0.47% | 5.97% | 6.69% | 14.9% | 13.34% | 7.48% |
| Fund Name | Std. deviation | Beta | Sharpe | Sortino |
|---|---|---|---|---|
| Union Retirement Fund | 12.38 | 0.91 | 0.81 | 1.11 |
| ICICI Prudential Retirement Fund - Pure Equity Plan | 14.71 | 1.07 | 1.13 | 1.70 |
| HDFC Retirement Savings Fund - Equity Plan | 10.92 | 0.81 | 1.06 | 1.55 |
| Nippon India Retirement Fund - Wealth Creation Scheme | 13.10 | 0.97 | 0.82 | 1.13 |
| Tata Retirement Savings Progressive | 13.38 | 0.94 | 0.67 | 0.87 |
| Aditya Birla Sun Life Retirement Fund - The 30s Plan | 13.19 | 0.95 | 0.66 | 0.98 |
| Fund Name | AUM | Fund Age | Expense Ratio |
|---|---|---|---|
| Union Retirement Fund | 186 Cr | 3 yrs 2 m | 2.39% |
| ICICI Prudential Retirement Fund - Pure Equity Plan | 1,516 Cr | 6 yrs 9 m | 2.05% |
| HDFC Retirement Savings Fund - Equity Plan | 6,969 Cr | 9 yrs 9 m | 1.76% |
| Nippon India Retirement Fund - Wealth Creation Scheme | 3,258 Cr | 10 yrs 10 m | 1.93% |
| Tata Retirement Savings Progressive | 2,117 Cr | 14 yrs 1 m | 1.99% |
| Aditya Birla Sun Life Retirement Fund - The 30s Plan | 427 Cr | 6 yrs 9 m | 2.41% |