Key metrics
Latest NAV
₹17.57
Day change
0.06%
Volatility
13.2%
Sharpe
0.14
Max drawdown
-17.8%
Expense ratio
0.98%
AUM
₹197 Cr
Category rank
6 / 23
Trailing returns
| Period | 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
|---|---|---|---|---|---|---|---|---|---|
| Return | -1.24% | -0.45% | 6.04% | 6.81% | 8.32% | 13.52% | – | – | – |
Returns up to 1Y are absolute; 1Y and longer are annualised (CAGR). Source: public AMFI NAV data.
NAV history
Chart shows the fund's available daily NAV history. Daily NAV data begins around 2006, so older funds may predate this range.
About this fund
Union Retirement Fund is a solution fund offered by Union Mutual Fund, classified under Solution as Solution Oriented Scheme - Retirement Fund. Its risk profile depends on its holdings and category. Its latest NAV is ₹17.57, with assets under management of about ₹197 Cr (April - June 2026).
Performance analysis
Over the trailing one year, Union Retirement Fund has recorded a return of about 8.3%, with a three-year return of 13.5%. Its annualised volatility is 13.2% — moderate fluctuations — and its Sharpe ratio is 0.14, a measure of return per unit of risk taken. The direct-plan base expense ratio is 0.98%, deducted daily from the NAV.
Rolling returns
| Window | Avg | Median | Min | Max | % Pos | % >12 |
|---|---|---|---|---|---|---|
| 1Y | 18.46 | 11.78 | -3.82 | 45.97 | 98% | 49% |
| 3Y | 17.64 | 18.05 | 13.52 | 20.21 | 100% | 100% |
Each row takes every possible start date in the fund's history and computes the annualised return (CAGR) over that window. Avg/Median = the typical outcome; Min/Max = worst and best; % Pos = how often the window ended positive; % >12 = how often it beat 12% a year. Higher consistency means timing mattered less.
Frequently asked questions
What does Union Retirement Fund invest in?
It invests primarily in a portfolio of securities in line with its mandate.
How is this fund classified?
It is a Solution Oriented Scheme - Retirement Fund fund in the Solution group.
How often is the NAV updated?
Mutual fund NAVs are declared by the AMC on every business day. This page sources NAV from public AMFI data and refreshes twice daily.
What is its expense ratio?
0.98% (direct plan, base expense ratio), deducted daily from the NAV. Some platforms quote a higher all-in Total TER — verify with the AMC.
How is the rolling return calculated?
Rolling return averages the fund's annualised return over every possible window of a given length across its history, rather than a single start-to-end period — reducing the effect of one lucky or unlucky entry date.
Is past performance a guarantee of future returns?
No. Past performance does not indicate future results; mutual fund values fluctuate with markets. Read all scheme-related documents carefully before investing.
Compare with peers
Similar Solution Oriented Scheme - Retirement Fund
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| BANDHAN RETIREMENT FUND Solution Oriented Scheme - Retirement Fund | -1.92 | 2.23 | 1.80 | 1.77 | – | – | – | 0.71 |
| PGIM India Retirement Fund Solution Oriented Scheme - Retirement Fund | -0.46 | 7.34 | 11.33 | 4.29 | – | – | – | 0.83 |
| Baroda BNP Paribas Retirement Fund Solution Oriented Scheme - Retirement Fund | -1.08 | 4.84 | 5.76 | 6.72 | – | – | – | 0.90 |
| Franklin India Retirement Fund Solution Oriented Scheme - Retirement Fund | -0.62 | 2.41 | 1.45 | 1.24 | 7.87 | 7.41 | 7.82 | 1.24 |
| Tata Retirement Savings Fund-Progressive Plan Solution Oriented Scheme - Retirement Fund | 0.32 | 6.44 | 14.59 | 9.09 | 13.54 | 11.26 | 13.95 | 0.54 |
| Tata Retirement Savings Fund-Moderate Plan Solution Oriented Scheme - Retirement Fund | 0.50 | 6.23 | 12.85 | 8.76 | 12.76 | 11.12 | 13.05 | 0.57 |
| Tata Retirement Savings Fund-Conservative Plan Solution Oriented Scheme - Retirement Fund | 0.05 | 3.26 | 5.59 | 5.66 | 8.10 | 6.99 | 8.37 | 0.85 |
| UTI Retirement Fund Solution Oriented Scheme - Retirement Fund | -1.19 | 2.55 | 1.51 | 3.08 | 9.04 | 9.33 | 9.10 | 0.88 |
More funds from Union
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| Union Innovation & Opportunities Fund Sectoral/Thematic - Innovation | 2.11 | 14.28 | 26.26 | 14.12 | – | – | – | 0.67 |
| Union Children's Fund Solution Oriented Scheme - Children’s Fund | -1.04 | 6.22 | 7.94 | 4.96 | – | – | – | 1.12 |
| Union Business Cycle Fund Sectoral/Thematic - Business Cycle | -0.33 | 4.98 | 7.37 | 7.66 | – | – | – | 1.03 |
| Union Multi Asset Allocation Fund Hybrid Scheme - Multi Asset Allocation | -0.40 | 3.81 | 1.62 | 14.53 | – | – | – | 0.89 |
| Union Active Momentum Fund Equity Scheme - Sectoral/ Thematic | 2.29 | 7.86 | 21.78 | 20.21 | – | – | – | 0.91 |
| Union Short Term Fund Income/Debt Oriented Schemes - Ultra Short Term Fund | 0.15 | 1.80 | 2.70 | 5.35 | – | – | – | – |
| Union Gold ETF Other Scheme - Gold ETF | 1.84 | -1.33 | -3.89 | 41.54 | – | – | – | 0.42 |
| Union Gold ETF Fund of Fund Other Scheme - FoF Domestic | 1.63 | -1.87 | -3.92 | 40.09 | – | – | – | 0.25 |
Returns ≥ 1Y are annualised (CAGR). TER = direct-plan base expense ratio. Click a fund to open its page.