Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansUnion Retirement Fund · Regular · Growth
NAV
₹16.7400
as of 13 Nov 2026
Expense Ratio
2.67%
AUM
₹212 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.10%
- 3Y
- +12.30%
- 5Y
- —
- Since Inception
- +13.24%
SIP returns (XIRR)
- 1Y
- +9.62%
- 3Y
- +7.77%
- 5Y
- —
- Since Inception
- +11.13%
What history actually did — last 4 years (Nov 2022 – Nov 2026)
A ₹5,000 monthly SIP for the last 4 years (Nov 2022 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹2,94,817 today — ₹2,40,000 invested, 10.6% XIRR.
₹2,40,000
Invested
₹2,94,817
Value today
10.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 4 years (Nov 2022 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 4 years ago would be ₹1,66,071 today (13.5% CAGR).
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹2,94,817 in this fund vs ₹2,77,094 in the benchmark — outperformance of ₹17,723.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 4 years (Nov 2022 – Nov 2026) (4 Jun 2024) would be ₹1,24,184 today (1.24×).
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, annualised0.09
Sharpe Ratio
+0.05
Alpha
0.94
Beta
0.08
Sortino
13.53%
Std Dev
-12.29%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
What this fund does
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 4 years. It manages assets worth ₹212 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 50 TRI. The current expense ratio is 2.67%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach