Union Retirement Fund
Direct · Growth ₹17.76
18 Aug 2026
NAV
17.8%
3Y CAGR
18.0%
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.
7.46
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 | ₹12.81 L | 19.0% | -19.7% | 49.4% |
| 3 Years | ₹36.00 L | ₹43.62 L | 12.9% | 4.2% | 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 | 19.0% | 14.4% | 11.7% | +4.6% |
| 3 Years | 12.9% | 11.1% | 12.6% | +1.8% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 18.6% | 12.0% | -3.8% | 47.0% | 0.84 | 6.07 | 98% | — | — |
| 3 Years | 17.8% | 18.2% | 14.3% | 20.2% | 7.46 | — | 100% | — | — |
-17.8%
Max Drawdown
5 mo
Drawdown Duration
8 mo
Recovery Time
-3.1%
Avg Drawdown
Calmar Ratio by Duration
1.05
1Y
1.00
3Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +12.31 | 1.00 | 105.3% | 89.1% | 9.4% | -2.9% |
| 3 Years | +7.83 | 0.98 | 100.2% | 90.0% | 15.6% | 7.8% |
| 5 Years | +5.66 | 0.95 | 96.6% | 86.3% | 12.8% | 7.2% |
| 7 Years | +3.85 | 0.95 | 96.6% | 86.3% | 9.0% | 5.1% |
| 10 Years | +2.54 | 0.95 | 96.6% | 86.3% | 6.2% | 3.5% |
| 12 Years | +2.05 | 0.95 | 96.6% | 86.3% | 5.1% | 2.9% |
| 15 Years | +1.56 | 0.95 | 96.6% | 86.3% | 4.1% | 2.3% |
79
Total Holdings
27.9%
Top 10 Weight
33
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | ICICI Bank Ltd. | 6.15% |
| 2 | HDFC Bank Ltd. | 4.99% |
| 3 | Solar Industries India Ltd. | 2.32% |
| 4 | Multi Commodity Exchange of India Ltd. | 2.31% |
| 5 | Reliance Industries Ltd. | 2.27% |
| 6 | S.J.S. Enterprises Ltd. | 2.05% |
| 7 | Eternal Ltd. | 2.02% |
| 8 | State Bank of India | 2.01% |
| 9 | Tata Consumer Products Ltd. | 1.91% |
| 10 | NTPC Ltd. | 1.90% |