Should I invest in Union Retirement Fund?

We don't give personal investment advice. Union Retirement Fund - Regular Plan - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

Union

Union Retirement Fund - Regular Plan - Growth Option

Latest NAV

₹16.5200

As of

17 Jul 2026

933 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.12%	+0.13%	-0.25	18 / 18	Q4
1W	-0.42%	-0.10%	-0.32	16 / 18	Q4
2W	+0.30%	+0.25%	+0.06	8 / 18	Q2
1M	+1.79%	+1.54%	+0.24	4 / 18	Q1
3M	+3.70%	+3.45%	+0.26	5 / 18	Q2
6M	+3.64%	+2.40%	+1.24	5 / 18	Q2
YTD	+2.23%	+1.18%	+1.05	6 / 18	Q2
1Y	+4.96%	+2.15%	+2.81	2 / 18	Q1
2Y	+3.61%	+3.25%	+0.35	9 / 18	Q2
3Y	+13.80%	+9.84%	+3.96	2 / 15	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+15.42%	+9.91%	+5.51	1 / 18	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.23%	+1.18%	+1.05	6 / 18
2025	+5.43%	+4.08%	+1.35	6 / 18
2024	+17.30%	+14.07%	+3.23	7 / 16
2023	+29.50%	+18.56%	+10.94	1 / 15
2022	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+17.82%

35 windows

min -0.9% · max 43.6%

97% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+16.46%

10 windows

min 13.8% · max 18.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

12.22%

3-year · annualised

Sharpe ratio

0.59

vs risk-free 6.5%

Sortino ratio

0.95

Downside-only deviation

Max drawdown

-18.19%

Sep 2024 → Feb 2025

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	SBI	₹19.4111	17 Jul 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.6600	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹22.4660	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.5445	17 Jul 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹12.2300	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹18.4200	17 Jul 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹68.3290	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.5200
16 Jul 2026	₹16.5400
15 Jul 2026	₹16.5800
14 Jul 2026	₹16.4800
13 Jul 2026	₹16.5900
10 Jul 2026	₹16.5900
9 Jul 2026	₹16.4000
8 Jul 2026	₹16.2200
7 Jul 2026	₹16.5000
6 Jul 2026	₹16.5900

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Union Retirement Fund - Regular Plan - Growth Option is ₹16.5200. It's a Retirement Fund from Union, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Union Retirement Fund - Regular Plan - Growth Option has NAV history starting from 29 Sep 2022, a track record of about 3 years 9 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Union Retirement Fund - Regular Plan - Growth Option is managed by Union. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Retirement Fund - Regular Plan - Growth Option has delivered a absolute return of 4.96% — +2.81 pp ahead of the Retirement Fund category average of 2.15%. The fund ranks #2 of 18 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Union Retirement Fund - Regular Plan - Growth Option has delivered a CAGR of 13.80% — +3.96 pp ahead of the Retirement Fund category average of 9.84%. The fund ranks #2 of 15 in its category — the top (Q1) quartile.

Union Retirement Fund - Regular Plan - Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Union Retirement Fund - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹147,368 today — a multiplier of 1.47×, based on the 3-year CAGR of 13.80%. The category average over the same window would have grown ₹1 lakh to ₹132,505.

A ₹10,000 monthly SIP in Union Retirement Fund - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹413,858 today. That's an XIRR (money-weighted annualised return) of 9.26%.

Union Retirement Fund - Regular Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹413,858 — XIRR 9.26%.

On a 3-year basis, Union Retirement Fund - Regular Plan - Growth Option ranks #2 out of 15 funds in the Retirement Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.84%; this fund delivered 13.80%.

The worst peak-to-trough decline Union Retirement Fund - Regular Plan - Growth Option has experienced over the last 3-year window is 18.19% — its NAV fell from a high on 23 Sep 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Union Retirement Fund - Regular Plan - Growth Option averaged 16.46% (best 18.18%, worst 13.80%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.59 — reasonable risk-adjusted performance.

In calendar year 2025, Union Retirement Fund - Regular Plan - Growth Option returned 5.43% — beating the Retirement Fund category average of 4.08% by 1.35 pp. It ranked #6 of 18 in its category that year.

Union Retirement Fund - Regular Plan - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Union Retirement Fund - Regular Plan - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.