Union Retirement Fund · Regular · Growth
NAV
₹16.5000
as of 31 Jul 2026
Expense Ratio
2.40%
AUM
₹197 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.59%
- 3Y
- +13.15%
- 5Y
- —
- Since Inception
- +13.87%
SIP returns (XIRR)
- 1Y
- +8.43%
- 3Y
- +9.28%
- 5Y
- —
- Since Inception
- +11.90%
What history actually did — last 3 years (Aug 2023 – Jul 2026)
A ₹5,000 monthly SIP for the last 3 years (Aug 2023 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹1,97,874 today — ₹1,75,000 invested, 8.5% XIRR.
₹1,75,000
Invested
₹1,97,874
Value today
8.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 3 years (Aug 2023 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 3 years ago would be ₹1,46,406 today (13.6% CAGR).
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹1,97,874 in this fund vs ₹1,85,569 in the benchmark — outperformance of ₹12,305.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 3 years (Aug 2023 – Jul 2026) (3 Jun 2024) would be ₹1,13,950 today (1.14×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.23
Sharpe Ratio
+0.07
Alpha
0.49
Beta
0.22
Sortino
14.47%
Std Dev
-12.29%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Investment Objective
Union Retirement Fund · Regular · Growth by Union Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
Union Retirement Fund · Regular · Growth is a Retirement Fund mutual fund offered by Union Mutual Fund. The fund has been operational for over 3 years. It manages assets worth ₹197 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 50 TRI. The current expense ratio is 2.40%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations