Union Children's Fund
Fund basics
How it compares in its category
Against the Retirement Funds Direct schemes with the highest three-year return. Same category, same plan — the only comparison that means anything. The list re-sorts itself as returns move; it is an ordering by one number, not a view on which fund anyone should hold.
| Scheme | Return | Alpha | Beta | Volatility | Sharpe | Max fall |
|---|---|---|---|---|---|---|
| ICICI Prudential Retirement Fund Pure Equity Plan ICICI Prudential Mutual Fund | 22.1% | 9.8% | 0.94 | 17.2% | 0.90 | -37.2% |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan ICICI Prudential Mutual Fund | 19.7% | 6.4% | 0.77 | 13.7% | 0.97 | -28.7% |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan Aditya Birla Sun Life Mutual Fund | 17.7% | 2.5% | 0.89 | 15.6% | 0.72 | -34.2% |
| Tata Retirement Savings Fund-Progressive Plan Tata Mutual Fund | 15.1% | 2.8% | 0.89 | 15.1% | 0.57 | -34.2% |
| Union Retirement Fund Union Mutual Fund | 15.0% | 6.2% | 0.90 | 13.0% | 0.66 | -17.8% |
| Tata Retirement Savings Fund-Moderate Plan Tata Mutual Fund | 14.0% | 2.7% | 0.76 | 12.7% | 0.59 | -29.6% |
| Axis Retirement Fund - Dynamic Plan Axis Mutual Fund | 13.5% | 1.9% | 0.66 | 11.4% | 0.62 | -17.1% |
| Nippon India Retirement Fund- Wealth Creation Scheme Nippon India Mutual Fund | 12.9% | 0.8% | 1.08 | 16.3% | 0.39 | -44.9% |
Alpha and beta are against Nifty 100. Max fall is the deepest peak-to-trough drop in each fund's own history, so a longer-running fund has had more chances to record a bad one. Click a column to sort. This is a sort, not a ranking, and nothing here is a recommendation.
What a Retirement Funds scheme is
Solution-oriented, with a five-year lock or until retirement.
An ordinary hybrid or equity fund wrapped in a lock-in. The lock is the feature — it stops you selling in a bad year — and it is also the cost, because the money is not available if you need it.
Who it suits. Investors who know they would otherwise interrupt a long plan.
How long money should stay. Until retirement.
Questions people ask
What is the NAV of Union Children's Fund — Direct Plan — Growth Option?
₹13.5400 as on 27 Aug 2026, from AMFI's daily NAV file. NAV is declared once each business day after markets close, so the figure here is the most recent one published.
What is the difference between the Direct and Regular plan of Union Children's Fund?
They hold the identical portfolio, run by the same manager. A Regular plan pays a distributor commission out of the fund, inside its expense ratio — commonly 0.5% to 1.2% a year more than Direct. That difference is charged on the whole balance, every year, so it compounds: on ₹1,00,000 held ten years a gap of 1.5 percentage points is roughly ₹1.4 lakh of ending value. Direct is the same fund without the commission.
What does the Growth option mean?
Growth reinvests everything the fund earns back into the NAV. Nothing is paid out, so the NAV rises with returns and you are taxed only when you sell. For anybody who does not need income from the investment, Growth is the simpler and usually the more tax-efficient option.
What kind of scheme is this?
Solution-oriented, with a five-year lock or until retirement. An ordinary hybrid or equity fund wrapped in a lock-in. The lock is the feature — it stops you selling in a bad year — and it is also the cost, because the money is not available if you need it.
How long should money stay in it?
Typically Until retirement. Investors who know they would otherwise interrupt a long plan.