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Scheme Information
Union Retirement Reg IDCW-P
as of 23 Apr 2026, 08:56 AM
Scheme Asset Size₹177.41 Cr
Expense Ratio2.4%
Cash Holding2.03794%
Fund TypeOpen-End
PlanGrowth
BenchmarkBSE 500 India TR INR
Launch Date2022-09-22
Exit LoadExit load of 0.00% for investments if redeemed within 1 Years
SIP Calculator
12%
₹5,000
₹500₹10,00,000
10 Years
1 Year40 Years
Invested Amount
Estimated Return
Invested Amount
₹6,00,000
Est. Return
₹5,61,695
Total Value
₹11,61,695
Invested Amount
Estimated Return
Scheme Ratings
-
rated by Value Research
Scheme Riskometer
Your principal will be at Very High Risk
Investment Returns
Absolute Returns
CAGR
In the last 1 months 8.16%
In the last 3 months 3.95%
In the last 6 months -0.12%
In the last 1 Years 9.56%
In the last 3 Years 0.65%
In the last 5 Years 0.00%
Company Holdings
Company Name | Sector | Instrument | Assets |
|---|---|---|---|
| ICICI Bank Ltd | Financial Services | E | 5.74% |
| HDFC Bank Ltd | Financial Services | E | 5.53% |
| State Bank of India | Financial Services | E | 2.98% |
| Acutaas Chemicals Ltd | Basic Materials | E | 2.88% |
| Reliance Industries Ltd | Energy | E | 2.76% |
| Multi Commodity Exchange of India Ltd | Financial Services | E | 2.69% |
| NTPC Ltd | Utilities | E | 2.22% |
| Infosys Ltd | Technology | E | 2.22% |
| Bharat Electronics Ltd | Industrials | E | 2.15% |
| Tata Consumer Products Ltd | Consumer Defensive | E | 2.12% |
| Larsen & Toubro Ltd | Industrials | E | 1.98% |
| Solar Industries India Ltd | Basic Materials | E | 1.80% |
| Karur Vysya Bank Ltd | Financial Services | E | 1.78% |
| Muthoot Finance Ltd | Financial Services | E | 1.78% |
| GE Vernova T&D India Ltd | Industrials | E | 1.74% |
| Navin Fluorine International Ltd | Basic Materials | E | 1.74% |
| Bharti Airtel Ltd | Communication Services | E | 1.71% |
| SJS Enterprises Ltd | Consumer Cyclical | E | 1.57% |
| Titan Co Ltd | Consumer Cyclical | E | 1.56% |
| ZF Commercial Vehicle Control Systems India Ltd | Consumer Cyclical | E | 1.55% |
| Mphasis Ltd | Technology | E | 1.48% |
| Max Financial Services Ltd | Financial Services | E | 1.47% |
| JK Cement Ltd | Basic Materials | E | 1.46% |
| Phoenix Mills Ltd | Real Estate | E | 1.36% |
| Torrent Pharmaceuticals Ltd | Healthcare | E | 1.32% |
| Max Healthcare Institute Ltd Ordinary Shares | Healthcare | E | 1.29% |
| UltraTech Cement Ltd | Basic Materials | E | 1.24% |
| Ujjivan Small Finance Bank Ltd Ordinary Shares | Financial Services | E | 1.22% |
| Maruti Suzuki India Ltd | Consumer Cyclical | E | 1.18% |
| Jio Financial Services Ltd | Financial Services | E | 1.15% |
| KFin Technologies Ltd | Technology | E | 1.14% |
| HDFC Asset Management Co Ltd | Financial Services | E | 1.12% |
| Cummins India Ltd | Industrials | E | 1.09% |
| Azad Engineering Ltd | Industrials | E | 1.09% |
| Mahindra & Mahindra Ltd | Consumer Cyclical | E | 1.08% |
| 360 One Wam Ltd Ordinary Shares | Financial Services | E | 1.07% |
| Avenue Supermarts Ltd | Consumer Defensive | E | 1.05% |
| JSW Steel Ltd | Basic Materials | E | 1.04% |
| Ajanta Pharma Ltd | Healthcare | E | 1.04% |
| Kirloskar Oil Engines Ltd | Industrials | E | 1.03% |
| Gabriel India Ltd | Consumer Cyclical | E | 1.00% |
| Jyoti CNC Automation Ltd | Industrials | E | 1.00% |
| Eureka Forbes Ltd | Consumer Cyclical | E | 0.99% |
| Sun Pharmaceuticals Industries Ltd | Healthcare | E | 0.99% |
| Shriram Finance Ltd | Financial Services | E | 0.98% |
| LG Electronics India Ltd | Technology | E | 0.97% |
| Tata Steel Ltd | Basic Materials | E | 0.97% |
| TVS Motor Co Ltd | Consumer Cyclical | E | 0.97% |
| Amber Enterprises India Ltd Ordinary Shares | Consumer Cyclical | E | 0.96% |
| Oil India Ltd | Energy | E | 0.94% |
| DOMS Industries Ltd | Industrials | E | 0.93% |
| HCL Technologies Ltd | Technology | E | 0.91% |
| Tata Motors Ltd | Consumer Cyclical | E | 0.89% |
| CarTrade Tech Ltd | Consumer Cyclical | E | 0.88% |
| Blue Star Ltd | Industrials | E | 0.87% |
| Godrej Consumer Products Ltd | Consumer Defensive | E | 0.86% |
| Hindalco Industries Ltd | Basic Materials | E | 0.85% |
| Cholamandalam Investment and Finance Co Ltd | Financial Services | E | 0.76% |
| KSB Ltd | Industrials | E | 0.76% |
| Info Edge (India) Ltd | Communication Services | E | 0.71% |
| Dixon Technologies (India) Ltd | Technology | E | 0.65% |
| Lupin Ltd | Healthcare | E | 0.65% |
| Endurance Technologies Ltd | Consumer Cyclical | E | 0.62% |
| Schneider Electric Infrastructure Ltd | Industrials | E | 0.60% |
| Data Patterns (India) Ltd | Industrials | E | 0.60% |
| KEI Industries Ltd | Industrials | E | 0.57% |
| Home First Finance Co India Ltd --- | Financial Services | E | 0.56% |
| CG Power & Industrial Solutions Ltd | Industrials | E | 0.55% |
| Persistent Systems Ltd | Technology | E | 0.55% |
| Tech Mahindra Ltd | Technology | E | 0.55% |
| Computer Age Management Services Ltd Ordinary Shares | Technology | E | 0.53% |
| Eternal Ltd | Consumer Cyclical | E | 0.45% |
| Tata Motors Passenger Vehicles Ltd | Consumer Cyclical | E | 0.42% |
| 16/04/2026 Maturing 364 DTB | - | BT | 0.09% |
| Tvs Motor Company Limited | - | P | 0.01319% |
| Treps | - | CR | 2.10% |
| Net Receivable / Payable | - | CA | 0.15% |
| JSW Energy Ltd | - | E | - |
| ITC Hotels Ltd | - | E | - |
| ELANTAS Beck India Ltd | - | E | - |
| Trent Ltd | - | E | - |
| Bajaj Finance Ltd | - | E | - |
| Hindustan Petroleum Corp Ltd | - | E | - |
Sector Holding Analysis
Equity / Debt / Cash Split
Loading chart…
Equity
97.95%
Cash
2.04%
Equity sector allocation
Loading chart…
Basic Materials
11.99%
Communication Services
2.42%
Consumer Cyclical
14.13%
Consumer Defensive
4.02%
Energy
3.7%
Financial Services
28.85%
Healthcare
5.29%
Industrials
14.95%
Real Estate
1.36%
Technology
9%
Utilities
2.22%
Others
2.07%
Fund House Contact Details
Websitewww.unionmf.com/
Phone+91 022 67483333
Union Asset Management Co. Pvt. Ltd.
Asset Management Company
Funds in this Category
ICICI Pru Ret Pure Eq Plan Reg Gr
Allocation
Min. Investment
₹5000
Category Returns
20.26%
26.41%
3Y Returns
+26.41%
ICICI Pru Ret Pure Eq Plan Reg IDCW-P
Allocation
Min. Investment
₹5000
Category Returns
20.26%
26.41%
3Y Returns
+26.41%
SBI Children's Bnf - IP Reg Gr
Allocation
Min. Investment
₹5000
Category Returns
20.26%
26.41%
3Y Returns
+23.83%
About Union Retirement Reg IDCW-P
Investment Objective of the Scheme
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.
Key Features of The Fund
5-year return
-
Fund Manager
Pratik Dharmshi
Risk Profile
Very High Risk
Expense Ratio
2.40%
Fund Size
₹177.41 Cr
FAQ's
What is the expense ratio of Union Retirement Reg IDCW-P?
The expense ratio of Union Retirement Reg IDCW-P is 2.4%.
What is the AUM (Assets Under Management) of Union Retirement Reg IDCW-P?
The AUM, short for Assets Under Management of Union Retirement Reg IDCW-P is ₹177.41 Cr as of 22 Mar 2026.
What are the top stock holdings of Union Retirement Reg IDCW-P?
The Union Retirement Reg IDCW-P has invested the majority of its money in the stocks of the following companies:
| Company | Percentage of Portfolio |
|---|---|
| ICICI Bank Ltd | 5.74% |
| HDFC Bank Ltd | 5.53% |
| State Bank of India | 2.98% |
| Acutaas Chemicals Ltd | 2.88% |
| Reliance Industries Ltd | 2.76% |
| Multi Commodity Exchange of India Ltd | 2.69% |
| NTPC Ltd | 2.22% |
| Infosys Ltd | 2.22% |
| Bharat Electronics Ltd | 2.15% |
| Tata Consumer Products Ltd | 2.12% |
| Larsen & Toubro Ltd | 1.98% |
| Solar Industries India Ltd | 1.80% |
| Karur Vysya Bank Ltd | 1.78% |
| Muthoot Finance Ltd | 1.78% |
| GE Vernova T&D India Ltd | 1.74% |
| Navin Fluorine International Ltd | 1.74% |
| Bharti Airtel Ltd | 1.71% |
| SJS Enterprises Ltd | 1.57% |
| Titan Co Ltd | 1.56% |
| ZF Commercial Vehicle Control Systems India Ltd | 1.55% |
| Mphasis Ltd | 1.48% |
| Max Financial Services Ltd | 1.47% |
| JK Cement Ltd | 1.46% |
| Phoenix Mills Ltd | 1.36% |
| Torrent Pharmaceuticals Ltd | 1.32% |
| Max Healthcare Institute Ltd Ordinary Shares | 1.29% |
| UltraTech Cement Ltd | 1.24% |
| Ujjivan Small Finance Bank Ltd Ordinary Shares | 1.22% |
| Maruti Suzuki India Ltd | 1.18% |
| Jio Financial Services Ltd | 1.15% |
| KFin Technologies Ltd | 1.14% |
| HDFC Asset Management Co Ltd | 1.12% |
| Cummins India Ltd | 1.09% |
| Azad Engineering Ltd | 1.09% |
| Mahindra & Mahindra Ltd | 1.08% |
| 360 One Wam Ltd Ordinary Shares | 1.07% |
| Avenue Supermarts Ltd | 1.05% |
| JSW Steel Ltd | 1.04% |
| Ajanta Pharma Ltd | 1.04% |
| Kirloskar Oil Engines Ltd | 1.03% |
| Gabriel India Ltd | 1.00% |
| Jyoti CNC Automation Ltd | 1.00% |
| Eureka Forbes Ltd | 0.99% |
| Sun Pharmaceuticals Industries Ltd | 0.99% |
| Shriram Finance Ltd | 0.98% |
| LG Electronics India Ltd | 0.97% |
| Tata Steel Ltd | 0.97% |
| TVS Motor Co Ltd | 0.97% |
| Amber Enterprises India Ltd Ordinary Shares | 0.96% |
| Oil India Ltd | 0.94% |
| DOMS Industries Ltd | 0.93% |
| HCL Technologies Ltd | 0.91% |
| Tata Motors Ltd | 0.89% |
| CarTrade Tech Ltd | 0.88% |
| Blue Star Ltd | 0.87% |
| Godrej Consumer Products Ltd | 0.86% |
| Hindalco Industries Ltd | 0.85% |
| Cholamandalam Investment and Finance Co Ltd | 0.76% |
| KSB Ltd | 0.76% |
| Info Edge (India) Ltd | 0.71% |
| Dixon Technologies (India) Ltd | 0.65% |
| Lupin Ltd | 0.65% |
| Endurance Technologies Ltd | 0.62% |
| Schneider Electric Infrastructure Ltd | 0.60% |
| Data Patterns (India) Ltd | 0.60% |
| KEI Industries Ltd | 0.57% |
| Home First Finance Co India Ltd --- | 0.56% |
| CG Power & Industrial Solutions Ltd | 0.55% |
| Persistent Systems Ltd | 0.55% |
| Tech Mahindra Ltd | 0.55% |
| Computer Age Management Services Ltd Ordinary Shares | 0.53% |
| Eternal Ltd | 0.45% |
| Tata Motors Passenger Vehicles Ltd | 0.42% |
| 16/04/2026 Maturing 364 DTB | 0.09% |
| Tvs Motor Company Limited | 0.01% |
| Treps | 2.10% |
| Net Receivable / Payable | 0.15% |
| JSW Energy Ltd | - |
| ITC Hotels Ltd | - |
| ELANTAS Beck India Ltd | - |
| Trent Ltd | - |
| Bajaj Finance Ltd | - |
| Hindustan Petroleum Corp Ltd | - |
In which sectors has Union Retirement Reg IDCW-P invested in?
The Union Retirement Reg IDCW-P has invested the majority of its money in the stocks of the following sectors -
| Company | Percentage of Portfolio |
|---|---|
| Basic Materials | 11.99% |
| Communication Services | 2.42% |
| Consumer Cyclical | 14.13% |
| Consumer Defensive | 4.02% |
| Energy | 3.70% |
| Financial Services | 28.85% |
| Healthcare | 5.29% |
| Industrials | 14.95% |
| Real Estate | 1.36% |
| Technology | 9.00% |
| Utilities | 2.22% |
What is the risk level of Union Retirement Reg IDCW-P?
This is a Retirement fund comes with Very High Risk.
Who are the fund managers of Union Retirement Reg IDCW-P?
Union Retirement Reg IDCW-P fund managers are Pratik Dharmshi, Pratit Vajani.
Is there a minimum SIP amount to invest in Union Retirement Reg IDCW-P?
The minimum SIP amount to start investment in Union Retirement Reg IDCW-P is ₹100 while ₹1,000 can be invested as Lumpsum amount.
Can I invest in Union Retirement Reg IDCW-P both in SIP and lump sum?
You can opt for either SIP or Lumpsum to invest in Union Retirement Reg IDCW-P on the basis of your investment objective and risk tolerance.
How to invest in Union Retirement Reg IDCW-P?
Investing in mutual funds is easy on HDFC SKY.
Follow these simple steps to invest in Union Retirement Reg IDCW-P:
- On HDFC SKY open your demat account if you don't have one.
- Check the performance of Union Retirement Reg IDCW-P.
- Choose between SIP or Lumpsum and start your mutual fund investment journey on HDFC Sky.
Is there any exit load charges of Union Retirement Reg IDCW-P?
The exit load of Union Retirement Reg IDCW-P is as follows:
Exit load of 0.0%, if redeemed within 1 year
.What is the process to redeem my investment in HDFC SKY?
The following are the Steps to Redeem mutual funds on HDFC SKY:
1. Go to Mutual Funds > My Investments/Portfolio.
2. Select the fund and tap Redeem/Sell.
3. Choose Full, Units, or Amount.
4. Review NAV, units, and exit load.
5. Confirm. Amount (Units × NAV) is credited to the registered bank in T+1–T+3 days. ELSS has a 3-year lock-in.
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