A goal-oriented mutual-fund structure
The investment objective of the Scheme is to generate long term capital gains by investing in a mix of securities comprising of equity, equity related securities and debt instruments as per the asset allocation pattern of the Scheme with a view to provide a retirement investment solution to investors. However, there is no assurance that the Investment Objective of the Scheme will be achieved.
Investors whose goal and access needs match the scheme's lock-in or exit rules.
Market risk plus any lock-in, exit restriction and goal-timing mismatch.
How the money may be invested
Equity and Equity related instruments - 65%- 100% of net assets, Debt and Money Market instruments - 0%-35% of net assets, Units issued by InvITs - 0% to 10% of net assets. Please refer the Scheme Information Document for complete details.
- SEBI category
- Retirement Fund
- Fund type
- An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier).
- Primary benchmark
- BSE 500 Index (TRI)
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- Mr. Pratik Dharmshi · Mr. Pratit Vajani
- Manager tenure on this scheme
- Mr. Pratik Dharmshi — since 09-12-2024 · Mr. Pratit Vajani — since 01-07-2025
- Role / co-management
- Mr. Pratik Dharmshi — Co-manage · Mr. Pratit Vajani — Co-manage
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| Union Retirement Fund - Direct Plan - Growth Option | ₹17.5600 | 04 Sep 2026 |
| Union Retirement Fund - Direct Plan - IDCW Option | ₹17.5600 | 04 Sep 2026 |
| Union Retirement Fund - Regular Plan - Growth Option | ₹16.6100 | 04 Sep 2026 |
| Union Retirement Fund - Regular Plan - IDCW Option | ₹16.6100 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Regular 2.69%, Direct 1.39%
- Exit load
- Nil
- Minimum application
- 1000 · multiples of 1
- SIP frequency
- SIP - Daily, Weekly, Fortnightly and Monthly, SWP - Daily/ Monthly/ Quarterly/ Half Yearly and Yearly, STP - Daily/ Weekly/ Fortnightly/ Monthly/ Quarterly and Half Yearly
- Minimum SIP amount
- SIP - Rs. 100 for daily SIP, Rs. 500 for weekly SIP, Rs. 500 for fortnightly SIP, Rs. 500 for monthly SIP, SWP - Rs. 500, STP - Rs. 100
- Minimum instalments
- SIP - 6 instalments for all frequencies, STP - 6 instalments for all frequencies ,SWP - 6 instalments for all frequencies
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.