Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
14.0%
0.50
0.73
0.93
3.06%
-18.2%
90.38
Nifty 100 benchmark
14.4%
0.28
0.40
—
—
-37.0%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
36 months this scheme and its benchmark share.
Growth of ₹100 since launch
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
718
-5.1%
10.5%
43.7%
4%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
How it behaves against its benchmark
Up capture
Down capture
Correlation
Tracking error
Information ratio
Treynor
102%
86%
0.95
4.5%
0.62
7.40
Up capture is how much of the benchmark's gain this scheme kept in the months the
benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it
on the up side is the combination every fund is trying for and few reach.
Measured over the 36 months this scheme and
Nifty 100 share.
Union Retirement Fund
Regular Plan · Growth Option
Allocation
By asset
Equity
97.85%
Cash & Equivalents
2.08%
Debt
0.07%
By market cap
Large Cap
46.79%
Mid Cap
20.48%
Small Cap
30.58%
Unclassified
0.07%
Concentration
Number of stocks
80
Top 5 stocks
17.47%
Top 10 stocks
27.49%
Top 20 stocks
44.25%
Lines in the filing
82
Largest holding
5.76%
Largest sector
Banks 17.03%
Effective stocks
57.7
Sectors held
34
Cash
2.08%
Effective stocks is what the concentration works out to: a fund holding
80 names but most of its money in a few
behaves like a fund of 58. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
Banks
17.03%
Capital Markets
6.79%
Electrical Equipment
6.25%
Chemicals & Petrochemicals
5.77%
Auto Components
5.73%
Consumer Durables
5.61%
Retailing
4.67%
IT - Software
4.46%
Pharmaceuticals & Biotechnology
4.11%
Automobiles
3.59%
Industrial Products
3.19%
Finance
2.89%
Healthcare Services
2.38%
Realty
2.13%
Petroleum Products
2.10%
Cash & Equivalents
2.08%
Agricultural Food & other Products
1.84%
Power
1.80%
Cement & Cement Products
1.65%
Non - Ferrous Metals
1.60%
Union Retirement Fund
Regular Plan · Growth Option · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
ICICI Bank Ltd.
Banks
90,000
12
5.76%
2
HDFC Bank Ltd.
Banks
125,000
9
4.29%
3
Multi Commodity Exchange of India Ltd.
Capital Markets
17,000
6
2.72%
4
Solar Industries India Ltd.
Chemicals & Petrochemicals
2,650
5
2.53%
5
TREPS
Unclassified
—
5
2.35%
6
Eternal Ltd.
Retailing
140,000
4
2.17%
7
Reliance Industries Ltd.
Petroleum Products
36,500
4
2.10%
8
Axis Bank Ltd.
Banks
35,000
4
2.08%
9
Navin Fluorine International Ltd.
Chemicals & Petrochemicals
5,000
4
2.00%
10
S.J.S. Enterprises Ltd.
Auto Components
18,000
4
1.97%
11
Azad Engineering Ltd.
Electrical Equipment
13,000
4
1.87%
12
Tata Consumer Products Ltd.
Agricultural Food & other Products
40,000
4
1.84%
13
GE Vernova T&D India Ltd.
Electrical Equipment
9,000
4
1.83%
14
NTPC Ltd.
Power
115,000
4
1.80%
15
State Bank of India
Banks
38,000
4
1.77%
16
Karur Vysya Bank Ltd.
Banks
109,200
4
1.72%
17
CarTrade Tech Ltd.
Retailing
11,500
3
1.61%
18
Dixon Technologies (India) Ltd.
Consumer Durables
2,500
3
1.59%
19
Titan Company Ltd.
Consumer Durables
7,000
3
1.55%
20
Kirloskar Oil Engines Ltd.
Industrial Products
13,700
3
1.53%
21
Infosys Ltd.
IT - Software
31,524
3
1.52%
22
Acutaas Chemicals Ltd.
Pharmaceuticals & Biotechnology
9,500
3
1.51%
23
The Phoenix Mills Ltd.
Realty
16,000
3
1.50%
24
Bharti Airtel Ltd.
Telecom - Services
17,000
3
1.45%
25
Torrent Pharmaceuticals Ltd.
Pharmaceuticals & Biotechnology
6,200
3
1.44%
26
Ujjivan Small Finance Bank Ltd.
Banks
430,000
3
1.41%
27
Gabriel India Ltd.
Auto Components
21,500
3
1.40%
28
ZF Commercial Vehicle Control Systems India Ltd.
Auto Components
12,000
3
1.36%
29
Mphasis Ltd.
IT - Software
12,800
3
1.34%
30
Adani Ports and Special Economic Zone Ltd.
Transport Infrastructure
15,000
3
1.31%
Union Retirement Fund
Regular Plan · Growth Option · where the money sits
Not investment advice. InvestVerdict is not a SEBI-registered Investment
Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 30 Oct 2026.
