Key metrics
Further reading: Median maximum drawdown by fund category, measured across 1,767 funds
Trailing returns
| Period | 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
|---|---|---|---|---|---|---|---|---|---|
| Return | -3.29% | -6.15% | -6.96% | -3.92% | -3.63% | 10.75% | – | – | – |
NAV history
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 ₹16.18, with assets under management of about ₹197 Cr (April - June 2026).
Further reading: What a category rank actually tells you
Performance analysis
Over the trailing one year, Union Retirement Fund has recorded a return of about -3.6%, with a three-year return of 10.8%. Its annualised volatility is 13.3% — moderate fluctuations — and its Sharpe ratio is -0.76, a measure of return per unit of risk taken. The direct-plan base expense ratio is 0.98%, deducted daily from the NAV.
Further reading: Reading a fund page: what each number does and doesn't say
Rolling returns
| Window | Avg | Median | Min | Max | % Pos | % >12 |
|---|---|---|---|---|---|---|
| 1Y | 17.82 | 11.08 | -3.82 | 45.97 | 97% | 47% |
| 3Y | 17.02 | 17.77 | 10.75 | 20.21 | 100% | 94% |
Further reading: Why a single trailing return misleads, measured across 830 funds
Frequently asked questions
Compare with peers
Further reading: Every fund measured against the best performer in its own category
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| BANDHAN RETIREMENT FUND Solution Oriented Scheme - Retirement Fund | -2.51 | -3.60 | -2.70 | -4.16 | 8.38 | – | – | 0.71 |
| PGIM India Retirement Fund Solution Oriented Scheme - Retirement Fund | -6.04 | -5.38 | -0.17 | -4.92 | – | – | – | 0.83 |
| Baroda BNP Paribas Retirement Fund Solution Oriented Scheme - Retirement Fund | -4.03 | -3.51 | -1.32 | -2.45 | – | – | – | 0.90 |
| Franklin India Retirement Fund Solution Oriented Scheme - Retirement Fund | -2.59 | -2.37 | -1.93 | -3.59 | 6.82 | 6.38 | 7.46 | 1.24 |
| Tata Retirement Savings Fund-Progressive Plan Solution Oriented Scheme - Retirement Fund | -6.95 | -7.08 | -1.54 | -3.16 | 10.59 | 8.82 | 12.81 | 0.54 |
| Tata Retirement Savings Fund-Moderate Plan Solution Oriented Scheme - Retirement Fund | -6.05 | -5.92 | -1.05 | -2.38 | 10.27 | 8.91 | 12.00 | 0.57 |
| Tata Retirement Savings Fund-Conservative Plan Solution Oriented Scheme - Retirement Fund | -2.98 | -2.94 | -0.08 | 0.17 | 6.88 | 6.02 | 7.83 | 0.85 |
| UTI Retirement Fund Solution Oriented Scheme - Retirement Fund | -1.96 | -2.51 | -1.48 | -1.51 | 8.17 | 7.96 | 8.68 | 0.88 |
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| Union Gold ETF Other Scheme - Gold ETF | -5.85 | -1.31 | -5.82 | 11.70 | – | – | – | 0.42 |
| Union Gold ETF Fund of Fund Other Scheme - FoF Domestic | -5.94 | -1.64 | -5.94 | 12.09 | – | – | – | 0.25 |
| Union Income Plus Arbitrage Active FOF Other Scheme - FoF Domestic | -0.30 | 0.29 | 1.95 | 3.57 | – | – | – | 0.11 |
| Union Ultra Short to Short Term Fund Income/Debt Oriented Schemes - Ultra Short to Short Term Fund | 0.03 | 1.06 | 2.56 | 5.35 | – | – | – | – |
| Union Diversified Equity All Cap Active FOF Other Scheme - FoF Domestic | -6.09 | -3.69 | 2.21 | 2.04 | – | – | – | 0.43 |
| Union Consumption Fund Sectoral/Thematic - Consumption | -5.28 | -3.81 | 0.11 | – | – | – | – | 0.97 |
| Union Flexi Cap Fund Equity Scheme - Flexi Cap Fund | -5.30 | -4.16 | -1.45 | -4.82 | 9.41 | 8.63 | 12.64 | 0.83 |
| Union Liquid Fund Debt Scheme - Liquid Fund | 0.42 | 1.51 | 3.13 | 6.45 | 6.92 | 6.42 | 5.73 | 0.06 |