HealthyDirect · Growth
Union Retirement Fund
Union Mutual FundSolution Oriented Scheme - Retirement Fund4 years
- NAV
- 16.97
- 15 Sept 2026
- 1Y
- +3.0%
- Trailing CAGR
- AUM
- ₹209.91 Cr
- 31 Aug 2026
- Volatility
- Medium
- 13.2% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+3.0%
- 3Y+11.9%
- 5Yn/a
- 10Yn/a
- SI+15.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.0%
- 3Y+7.2%
- 5Yn/a
- 10Yn/a
- Since inception
- +15.5%
- Calendar-day CAGR
- Excess 1Y
- -1.0%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 72
- Vs comparable share classes
- Worst rolling 3Y
- +11.9%
- 237 daily-ending windows
- Median rolling 3Y
- +18.0%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
- SIP 3Y XIRR
- +7.2%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 64 recovered episodes
- Longest recovery
- 234 days
- Trough to prior peak
- Current spell
- 20 days
- Days below latest peak
- Time below peak
- +81%
- NAV observations
26 Sept 2024 – 20 Oct 2025
Trough 28 Feb 2025 · recovered in 234 days
-17.8%
11 Feb 2026 – 18 Jun 2026
Trough 23 Mar 2026 · recovered in 87 days
-12.2%
1 Dec 2022 – 26 May 2023
Trough 28 Mar 2023 · recovered in 59 days
-8.9%
3 Jun 2024 – 11 Jun 2024
Trough 4 Jun 2024 · recovered in 7 days
-6.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
72
Vs category
44
Consistency
87
Risk-adjusted
64
Drawdown
56
Mean
65
Portfolio
31 Aug 2026 · 79 holdings · top 10 are 27.9%.
- Top 5
- 18.0%
- Top 10
- 27.9%
- Largest holding
- 6.0%
- Effective holdings
- 54.4
ICICI Bank Ltd
Financial
6.0%
HDFC Bank Ltd
Financial
4.6%
Multi Commodity Exchange Of India Ltd
Financial
2.8%
Solar Industries India Ltd
Materials
2.5%
Reliance Industries Ltd
Energy & Utilities
2.2%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Healthy
Engine status
Healthy
Doing its job
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.1%
- 3Y
- +8.2%
- Vol
- 3.2%
- Max DD
- -5.0%
- Sharpe
- 0.61
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
BANDHAN RETIREMENT FUND
Bandhan Mutual Fund
- 1Y
- -0.1%
- 3Y
- n/a
- Vol
- 8.3%
- Max DD
- -9.8%
- Sharpe
- 0.50
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
Franklin India Retirement Fund
Franklin Templeton Mutual Fund
- 1Y
- -0.4%
- 3Y
- +7.2%
- Vol
- 6.2%
- Max DD
- -13.8%
- Sharpe
- 0.69
- 3Y win
- +4%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund
- 1Y
- +6.0%
- 3Y
- +9.8%
- Vol
- 4.6%
- Max DD
- -10.2%
- Sharpe
- 0.99
- 3Y win
- +13%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
ICICI Prudential Retirement Fund Pure Debt Plan
ICICI Prudential Mutual Fund
- 1Y
- +4.5%
- 3Y
- +6.7%
- Vol
- 1.8%
- Max DD
- -2.7%
- Sharpe
- 1.23
- 3Y win
- +2%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns