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
₹15.8600
as of 29 Sept 2026
Expense Ratio
2.69%
AUM
₹197 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.59%
- 3Y
- +10.64%
- 5Y
- —
- Since Inception
- +12.16%
SIP returns (XIRR)
- 1Y
- -0.51%
- 3Y
- +5.17%
- 5Y
- —
- Since Inception
- +8.99%
What history actually did — last 4 years (Oct 2022 – Sept 2026)
A ₹5,000 monthly SIP for the last 4 years (Oct 2022 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹2,77,429 today — ₹2,35,000 invested, 8.5% XIRR.
₹2,35,000
Invested
₹2,77,429
Value today
8.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 4 years (Oct 2022 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 4 years ago would be ₹1,64,523 today (13.3% CAGR).
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹2,77,429 in this fund vs ₹2,47,328 in the benchmark — outperformance of ₹30,101.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 4 years (Oct 2022 – Sept 2026) (3 Jun 2024) would be ₹1,09,530 today (1.09×).
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, annualised0.34
Sharpe Ratio
+0.09
Alpha
0.48
Beta
0.33
Sortino
13.73%
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 ₹197 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 50 TRI. The current expense ratio is 2.69%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach