Our Opinion
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Our Opinion
Riskometer
Very High
₹16.0300 1.01%
As on 18-Mar-2026
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
We have shifted from our proprietary CapRank classification system to SEBI’s market cap classification system with effect from 14 Jan, 2026.
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
Union Retirement Fund - Direct Plan
|
|
|
Very High
|
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1.14 |
|
 |
|
Very High
|
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0.63 |
||
|
|
Very High
|
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0.70 |
||
|
|
Very High
|
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0.73 |
||
|
|
Very High
|
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0.63 |
₹196 Cr
--
1,000
1,000
500
6
About Union Retirement Fund - Direct Plan
Union Retirement Fund - Direct Plan is a equity mutual fund scheme of Union Mutual Fund. Launched on September 22, 2022, it is currently managed by Pratik Dharmshi and Pratit Vajani. The fund has an expense ratio of 1.14% with an overall AUM (Assets Under Management) of ₹196 Cr.
Union Retirement Fund - Direct Plan is mandated to invest at least 65 per cent of its assets in equity stocks at all times. Note that it carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier. Flexi cap funds have complete freedom to invest in companies of different sizes, depending on where the fund management team expects maximum gains. The fund allows minimum lumpsum investment of ₹1,000 and minimum SIP of ₹500.
Investment Strategy
The Scheme seeks 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.
Suitability
Flexi-cap funds are suitable for investors:
Note:
Capital Gains Taxation
The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
1 min read•By News Desk
1 min read•By News Desk
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of Union Retirement Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, Union Retirement Fund - Direct Plan can be bought from the Union Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of Union Retirement Fund - Direct Plan, is ₹16.0300 as of 19-Mar-2026.
| Company | Percentage of Portfolio |
|---|---|
|
6.08
|
|
|
5.95
|
|
|
3.32
|
|
|
2.60
|
|
|
2.50
|
Over the past five years, Union Retirement Fund - Direct Plan has delivered an annualised return of --% as of 19-Mar-2026.
The minimum investment required to start investing in Union Retirement Fund - Direct Plan is ₹1,000 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
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