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Union Retirement Fund

Mutual fund

Direct · Growth

· AMFI 150554

₹17.63

+5.3%over 1 year

Price of one unit (NAV) on 11 November 2026

NAV went from ₹16.74 on 11 November 2025 to ₹17.63 on 11 November 2026.

Past prices are not a forecast of anything.

Ask about this fund

Overview

Kind of fund
Flexi Cap
Yearly fee
1.36%
Since 1 October 2026
Fund size
₹216 crore
Started
22 September 2022
Exit load
None
Compared against
BSE 500 TRI
Plan
Direct · Growth
Companies held
77
80 lines in all
Holdings as at
30 August 2026

What does it hold?

Company size

  • Large
  • Mid
  • Small
  • Cash, bonds, abroad
  • Union Retirement Fund

Industries

  • Financial29%
  • Consumer Discretionary18%
  • Industrials17%
  • Materials11%
  • Technology8%
  • Healthcare6%
  • Energy & Utilities4%
  • Consumer Staples3%

Top companies

10 of 77 companies · holdings as at 30 August 2026

  1. 1

    ICICI Bank Ltd

    LargeFinancial

    6.0%
  2. 2

    HDFC Bank Ltd

    LargeFinancial

    4.6%
  3. 3

    Multi Commodity Exchange Of India Ltd

    MidFinancial

    2.8%
  4. 4

    Solar Industries India Ltd

    LargeMaterials

    2.5%
  5. 5

    Reliance Industries Ltd

    LargeEnergy & Utilities

    2.2%
  6. 6

    Zomato Ltd

    LargeTechnology

    2.1%
  7. 7

    S.J.S Enterprises Ltd

    SmallConsumer Discretionary

    2.1%
  8. 8

    State Bank of India

    LargeFinancial

    2.0%
  9. 9

    Navin Fluorine International Ltd

    MidMaterials

    2.0%
  10. 10

    Axis Bank Ltd

    LargeFinancial

    1.9%
Show all 77
  1. 11

    Tata Consumer Products Ltd

    MidConsumer Staples

    1.9%
  2. 12

    GE T&D India Ltd

    LargeIndustrials

    1.9%
  3. 13

    Karur Vysya Bank Ltd

    SmallFinancial

    1.8%
  4. 14

    NTPC Ltd

    LargeEnergy & Utilities

    1.7%
  5. 15

    Azad Engineering Ltd.

    SmallIndustrials

    1.7%
  6. 16

    Titan Company Ltd

    LargeConsumer Discretionary

    1.6%
  7. 17

    Infosys Ltd

    LargeTechnology

    1.6%
  8. 18

    CarTrade Tech Ltd

    SmallConsumer Discretionary

    1.6%
  9. 19

    Dixon Technologies (India) Ltd

    MidConsumer Discretionary

    1.6%
  10. 20

    Larsen & Toubro Ltd

    LargeIndustrials

    1.5%
  11. 21

    Torrent Pharmaceuticals Ltd

    LargeHealthcare

    1.4%
  12. 22

    Mphasis Ltd

    MidTechnology

    1.4%
  13. 23

    Gabriel India Ltd

    SmallConsumer Discretionary

    1.4%
  14. 24

    Bharti Airtel Ltd

    LargeTechnology

    1.4%
  15. 25

    ZF Commercial Vehicle Control Systems India Ltd

    SmallConsumer Discretionary

    1.4%
  16. 26

    Phoenix Mills Ltd

    MidReal Estate

    1.4%
  17. 27

    Ami Organics Ltd

    SmallHealthcare

    1.4%
  18. 28

    Ujjivan Small Finance Bank Ltd

    SmallFinancial

    1.4%
  19. 29

    Nippon Life India Asset Management Ltd

    MidFinancial

    1.4%
  20. 30

    Shriram Transport Finance Company Ltd

    LargeFinancial

    1.3%
  21. 31

    Kirloskar Oil Engines Ltd

    SmallIndustrials

    1.3%
  22. 32

    Max Financial Services Ltd

    MidFinancial

    1.3%
  23. 33

    Maruti Suzuki India Ltd

    LargeConsumer Discretionary

    1.3%
  24. 34

    KFin Technologies Ltd

    SmallFinancial

    1.2%
  25. 35

    Hyundai Motor India Ltd.

    LargeConsumer Discretionary

    1.2%
  26. 36

    Cholamandalam Investment & Finance Company Ltd

    LargeFinancial

    1.2%
  27. 37

    Hindustan Copper Ltd

    MidMaterials

    1.1%
  28. 38

    Max Healthcare Institute Ltd

    MidHealthcare

    1.1%
  29. 39

    Ajanta Pharma Ltd

    MidHealthcare

    1.1%
  30. 40

    Angel One Ltd

    SmallFinancial

    1.1%
  31. 41

    KSB Ltd

    SmallIndustrials

    1.0%
  32. 42

    JSW Steel Ltd

    LargeMaterials

    1.0%
  33. 43

    Bharat Heavy Electricals Ltd

    LargeIndustrials

    1.0%
  34. 44

    Adani Ports and Special Economic Zone Ltd

    LargeIndustrials

    1.0%
  35. 45

    ITD Cementation India Ltd

    SmallIndustrials

    1.0%
  36. 46

    Trent Ltd

    LargeConsumer Discretionary

    0.9%
  37. 47

    Varun Beverages Ltd

    LargeConsumer Staples

    0.9%
  38. 48

    Amber Enterprises India Ltd

    SmallConsumer Discretionary

    0.9%
  39. 49

    Persistent Systems Ltd

    MidTechnology

    0.9%
  40. 50

    JK Cement Ltd

    MidMaterials

    0.9%
  41. 51

    Tata Motors Ltd

    LargeIndustrials

    0.9%
  42. 52

    CG Power & Industrial Solutions Ltd

    LargeIndustrials

    0.8%
  43. 53

    Arvind Ltd

    SmallConsumer Discretionary

    0.8%
  44. 54

    Apollo Hospitals Enterprise Ltd

    LargeHealthcare

    0.8%
  45. 55

    TVS Motor Company Ltd

    LargeConsumer Discretionary

    0.8%
  46. 56

    Grasim Industries Ltd

    LargeMaterials

    0.8%
  47. 57

    Godrej Properties Ltd

    MidReal Estate

    0.8%
  48. 58

    DOMS Industries Ltd.

    SmallIndustrials

    0.7%
  49. 59

    Aarti Industries Ltd

    SmallMaterials

    0.7%
  50. 60

    Jubilant FoodWorks Ltd

    SmallConsumer Discretionary

    0.7%
  51. 61

    Data Patterns (India) Ltd

    SmallIndustrials

    0.7%
  52. 62

    HCL Technologies Ltd

    LargeTechnology

    0.7%
  53. 63

    Adani Enterprises Ltd

    LargeMaterials

    0.7%
  54. 64

    LG Electronics India Ltd.

    LargeConsumer Discretionary

    0.7%
  55. 65

    Cummins India Ltd

    LargeIndustrials

    0.7%
  56. 66

    Interglobe Aviation Ltd

    LargeIndustrials

    0.7%
  57. 67

    Endurance Technologies Ltd

    MidConsumer Discretionary

    0.7%
  58. 68

    Kei Industries Ltd

    MidIndustrials

    0.7%
  59. 69

    MTAR Technologies Ltd

    SmallIndustrials

    0.7%
  60. 70

    Blue Star Ltd

    SmallIndustrials

    0.7%
  61. 71

    Ather Energy Ltd.

    MidConsumer Discretionary

    0.6%
  62. 72

    Home First Finance Company India Ltd

    SmallFinancial

    0.6%
  63. 73

    Hindalco Industries Ltd

    LargeMaterials

    0.5%
  64. 74

    Vijaya Diagnostic Centre Ltd

    SmallHealthcare

    0.5%
  65. 75

    Garden Reach Shipbuilders & Engineers Ltd

    SmallIndustrials

    0.5%
  66. 76

    Atul Ltd

    SmallMaterials

    0.4%
  67. 77

    TVS Motor Company Ltd - Pref. Shares

    Consumer Discretionary

    0.0%

What does it cost?

1.36% a year: ₹136 on every ₹10,000 you hold.

The middle fee for Flexi Cap direct plans is 0.88%.

Exit load: None

How has it done?

1 year
+5.3%
3 years, per year
+13.6%
5 years, per year
Too young

Worst fall so far: −17.8% (Sep 2024 to Feb 2025).

Past prices are not a forecast of anything.

Events

  1. 1 October 2026Fee moved between 1.36% and 1.39% a year (2 changes, 1 Sep – 1 Oct 2026).
  2. 30 August 2026New portfolio published: holdings as at 30 August 2026.
  3. 1 August 2026Fee changed from 1.41% to 1.39% a year.
  4. 1 July 2026Fee changed from 1.35% to 1.41% a year.
  5. 1 June 2026Fee changed from 1.15% to 1.35% a year.
Show all 43
  1. 30 May 2026Fee changed from 1.73% to 1.15% a year.
  2. 29 May 2026Fee changed from 1.15% to 1.73% a year.
  3. 26 May 2026Fee changed from 1.79% to 1.15% a year.
  4. 25 May 2026Fee changed from 1.15% to 1.79% a year.
  5. 23 May 2026Fee changed from 1.45% to 1.15% a year.
  6. 22 May 2026Fee changed from 1.92% to 1.45% a year.
  7. 21 May 2026Fee changed from 1.35% to 1.92% a year.
  8. 20 May 2026Fee changed from 1.36% to 1.35% a year.
  9. 19 May 2026Fee changed from 1.74% to 1.36% a year.
  10. 18 May 2026Fee changed from 1.15% to 1.74% a year.
  11. 16 May 2026Fee changed from 1.29% to 1.15% a year.
  12. 15 May 2026Fee changed from 1.45% to 1.29% a year.
  13. 14 May 2026Fee changed from 1.15% to 1.45% a year.
  14. 13 May 2026Fee changed from 1.57% to 1.15% a year.
  15. 12 May 2026Fee changed from 1.54% to 1.57% a year.
  16. 11 May 2026Fee changed from 1.15% to 1.54% a year.
  17. 8 May 2026Fee changed from 1.50% to 1.15% a year.
  18. 7 May 2026Fee changed from 1.48% to 1.50% a year.
  19. 6 May 2026Fee changed from 1.15% to 1.48% a year.
  20. 30 April 2026Fee moved between 1.11% and 1.15% a year (3 changes, 30 Oct 2025 – 30 Apr 2026).
  21. 11 August 2025Fee changed from 1.00% to 1.11% a year.
  22. 7 April 2025Fee changed from 0.83% to 1.00% a year.
  23. 1 April 2025Fee changed from 0.86% to 0.83% a year.
  24. 21 March 2025Fee changed from 0.92% to 0.86% a year.
  25. 28 February 2025Fee changed from 1.21% to 0.92% a year.
  26. 19 February 2025Fee moved between 1.16% and 1.21% a year (2 changes, 10 Jan – 19 Feb 2025).
  27. 20 August 2024Fee changed from 1.11% to 1.16% a year.
  28. 22 April 2024Fee changed from 1.37% to 1.11% a year.
  29. 1 April 2024Fee changed from 1.82% to 1.37% a year.
  30. 23 February 2024Fee changed from 1.36% to 1.82% a year.
  31. 22 January 2024Fee changed from 1.07% to 1.36% a year.
  32. 11 January 2024Fee changed from 0.83% to 1.07% a year.
  33. 14 December 2023Fee changed from 0.59% to 0.83% a year.
  34. 20 September 2023Fee moved between 0.54% and 0.59% a year (2 changes, 26 May – 20 Sep 2023).
  35. 10 April 2023Fee changed from 1.69% to 0.59% a year.
  36. 20 March 2023Fee changed from 0.30% to 1.69% a year.
  37. 31 January 2023Fee changed from 0.31% to 0.30% a year.
  38. 26 December 2022Fee changed from 0.84% to 0.31% a year.

Related

All 123 Flexi Cap funds, A to Z →

Sources and dates

Holdings
Groww's page for this fund, month-end 30 August 2026
Prices
AMFI via mfapi.in, to 11 November 2026
Fee
Groww, from 1 October 2026
Company sizes
SEBI's rank by full market value, 25 September 2026