Union Retirement Fund
Direct · Growth ₹15.92
23 Oct 2026
NAV
17.0%
3Y CAGR
17.2%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
4.44
Sharpe
-17.8%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
1.16%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.77 L | 18.2% | -19.7% | 49.4% |
| 3 Years | ₹36.00 L | ₹42.15 L | 12.1% | 1.7% | 18.3% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 18.2% | 14.3% | 6.8% | +3.9% |
| 3 Years | 12.1% | 11.0% | 12.9% | +1.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 17.8% | 11.0% | -5.0% | 47.0% | 0.78 | 5.14 | 97% | — | — |
| 3 Years | 17.0% | 17.7% | 10.8% | 20.2% | 4.44 | — | 100% | — | — |
-17.8%
Max Drawdown
5 mo
Drawdown Duration
8 mo
Recovery Time
-3.1%
Avg Drawdown
Calmar Ratio by Duration
1.00
1Y
0.96
3Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +7.38 | 0.98 | 100.7% | 91.0% | -5.0% | -12.7% |
| 3 Years | +5.51 | 0.98 | 98.4% | 91.5% | 11.0% | 5.4% |
| 5 Years | +4.57 | 0.95 | 95.5% | 87.3% | 10.3% | 5.7% |
| 7 Years | +3.10 | 0.95 | 95.5% | 87.3% | 7.3% | 4.1% |
| 10 Years | +2.03 | 0.95 | 95.5% | 87.3% | 5.0% | 2.8% |
| 12 Years | +1.63 | 0.95 | 95.5% | 87.3% | 4.2% | 2.4% |
| 15 Years | +1.23 | 0.95 | 95.5% | 87.3% | 3.3% | 1.9% |
75
Total Holdings
28.2%
Top 10 Weight
32
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | ICICI Bank Ltd. | 6.05% |
| 2 | HDFC Bank Ltd. | 4.59% |
| 3 | Multi Commodity Exchange of India Ltd. | 2.83% |
| 4 | Solar Industries India Ltd. | 2.46% |
| 5 | Reliance Industries Ltd. | 2.16% |
| 6 | Eternal Ltd. | 2.12% |
| 7 | S.J.S. Enterprises Ltd. | 2.07% |
| 8 | Navin Fluorine International Ltd. | 2.01% |
| 9 | State Bank of India | 2.01% |
| 10 | Axis Bank Ltd. | 1.92% |