Other Solution Oriented - Retirement Fund Very High Risk
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.
Expert-managed portfolios tailored to your financial goals.
Estimation is based on the past performance
| Solution Oriented - Retirement Fund | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | -1.07% | -0.38% | -2.05% | 1.22% | 2.61% | 6.26% | 14.55% | 0% | 0% | 0% | 13.01% |
| Category returns | -0.88% | 0.23% | -3.61% | -0.87% | -0.81% | 4.87% | 12.76% | 12.78% | 11.24% | 11.98% | N/A |
| Absolute returns | 1.22% | 3.87% | -1.31% | 0.38% | 2.86% | 8.58% | 49.95% | 0% | 0% | 0% | 58.2% |
| Rank within category | 11 | 8 | 6 | 6 | 4 | 6 | 4 | 15 | 15 | 7 | N/A |
| Total Schemes in Category | 18 | 18 | 18 | 18 | 18 | 18 | 15 | 14 | 14 | 6 | N/A |
| Solution Oriented - Retirement Fund | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Yearly returns | N/A | 30.05% | 17.39% | 6.06% | -1.8% |
| Q1 returns | N/A | -3.72% | 4.64% | -5.73% | -10.49% |
| Q2 returns | N/A | 13.67% | 11.15% | 10.75% | 9.71% |
| Q3 Returns | N/A | 7.53% | 6.84% | -2.71% | N/A |
| Q4 Returns | 2.37% | 10.5% | -5.53% | 4.41% | N/A |
Expense ratio: N/A
Inclusive of GST
Exit load
Nil
| Alpha | 0.248473 |
| Beta | 0.9442 |
| Sharpe Ratio | 0.205944 |
| Sortino Ratio | 0.374212 |
| R-Squared | 0.953 |
| Tracking Error | 0.8273 |
| Downside Risk | 18.6497 |
| Std. Deviation (Annualised) | 13.1089 |
| Solution Oriented - Retirement Fund | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICI Prudential Retirement Fund - Pure Equity Plan - Growth | -2.06% | 2.02% | -0.09% | 4.71% | 6.79% | 22.16% | 20.77% | 0% | 18.24% | 1,868.90 | 1.77 | 0.33 | Very High |
| ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Growth | 0.26% | 2.45% | 0.82% | 4.86% | 7.9% | 19.5% | 15.45% | 0% | 14.74% | 1,156.55 | 1.87 | 0.32 | Very High |
| Aditya Birla Sun Life Retirement Fund - The 30s Plan - Regular Plan - Growth | 1.68% | 7.21% | 3.33% | 7.01% | 8.58% | 16.44% | 10.9% | 0% | 10.99% | 433.33 | 2.10 | 0.22 | Very High |
| Union Retirement Fund - Regular Plan - Growth Current | -1.07% | -0.38% | -2.05% | 1.22% | 2.61% | 14.55% | 0% | 0% | 13.01% | 195.84 | 2.10 | 0.22 | Very High |
| Tata Retirement Savings Fund Progressive Plan - Growth | 0.6% | 6.6% | 0.24% | 1.4% | -0.45% | 13.81% | 10.84% | 12.93% | 13.76% | 2,086.41 | 1.75 | 0.19 | Very High |
| Nippon India Retirement Fund - Wealth Creation Scheme - Growth | -2.03% | -1.58% | -4.88% | -3.39% | -2.58% | 13.55% | 12.28% | 10.74% | 9.38% | 3,055.82 | 3.12 | 0.19 | Very High |
| Tata Retirement Savings Fund Moderate Plan - Growth | 0.37% | 5.34% | -0.08% | 1.34% | 0.31% | 12.67% | 10.46% | 11.97% | 13.67% | 2,113.71 | 1.75 | 0.18 | Very High |
| Aditya Birla Sun Life Retirement Fund - The 40s Plan - Regular Plan - Growth | -0.83% | -1.08% | -3.3% | -0.77% | -0.31% | 11.99% | 8.19% | 0% | 8.97% | 112.93 | 2.09 | 0.18 | Very High |
| Axis Retirement Fund - Dynamic Plan - Regular Plan - Growth | -1.11% | -1.68% | -6.17% | -3.71% | -4.89% | 11.11% | 8.18% | 0% | 10.16% | 283.00 | 2.58 | 0.14 | Very High |
| HDFC Retirement Savings Fund - Equity Plan - Regular Plan - Growth | -2.45% | -5.05% | -9.66% | -6.33% | -6.62% | 11.04% | 13.07% | 14.7% | 16.21% | 6,733.06 | 1.78 | 0.16 | Very High |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Domestic Equities | 98.37% |
| Cash & Cash Equivalents and Net Assets | 1.54% | |
| Treasury Bills | 0.08% | |
| Preference Shares | 0.01% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Banks | 16.42% | |
| Pharmaceuticals & Biotechnology | 6.23% | |
| Capital Markets | 7.33% | |
| Petroleum Products | 2.67% | |
| Chemicals & Petrochemicals | 5.26% | |
| Power | 2.25% | |
| Electrical Equipment | 5.29% | |
| Agricultural Food & other Products | 2.20% | |
| Construction | 2.06% | |
| Auto Components | 5.27% | |
| IT - Software | 4.95% | |
| Finance | 5.11% | |
| Telecom - Services | 1.57% | |
| Insurance | 1.48% | |
| Consumer Durables | 5.12% | |
| Realty | 1.43% | |
| Industrial Products | 4.07% | |
| Automobiles | 3.29% | |
| Aerospace & Defense | 1.96% | |
| Retailing | 3.17% | |
| Healthcare Services | 1.77% | |
| Cement & Cement Products | 2.13% | |
| Ferrous Metals | 1.43% | |
| Others | 1.63% | |
| Diversified FMCG | 0.98% | |
| Non - Ferrous Metals | 1.60% | |
| Personal Products | 0.81% | |
| Household Products | 0.79% | |
| Agricultural, Commercial & Construction Vehicles | 0.77% | |
| Beverages | 0.53% | |
| Leisure Services | 0.45% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| ICICI Bank Ltd. | Banks | Domestic Equities | 5.71% |
| HDFC Bank Ltd. | Banks | Domestic Equities | 5.26% |
| Acutaas Chemicals Ltd. | Pharmaceuticals & Biotechnology | Domestic Equities | 3.16% |
| Multi Commodity Exchange Of India Ltd. | Capital Markets | Domestic Equities | 2.68% |
| Reliance Industries Ltd. | Petroleum Products | Domestic Equities | 2.67% |
| Solar Industries India Ltd. | Chemicals & Petrochemicals | Domestic Equities | 2.44% |
| NTPC Ltd. | Power | Domestic Equities | 2.25% |
| GE Vernova T&D India Ltd. | Electrical Equipment | Domestic Equities | 2.21% |
| Tata Consumer Products Ltd. | Agricultural Food & other Products | Domestic Equities | 2.20% |
| State Bank Of India | Banks | Domestic Equities | 2.19% |
| Larsen & Toubro Ltd. | Construction | Domestic Equities | 2.06% |
| SJS Enterprises Ltd. | Auto Components | Domestic Equities | 1.91% |
| Infosys Ltd. | IT - Software | Domestic Equities | 1.85% |
| Navin Fluorine International Ltd. | Chemicals & Petrochemicals | Domestic Equities | 1.80% |
| Muthoot Finance Ltd. | Finance | Domestic Equities | 1.69% |
| Karur Vysya Bank Ltd. | Banks | Domestic Equities | 1.59% |
| Bharti Airtel Ltd. | Telecom - Services | Domestic Equities | 1.57% |
| ZF Commercial Vehicle Control Systems India Ltd. | Auto Components | Domestic Equities | 1.48% |
| Max Financial Services Ltd. | Insurance | Domestic Equities | 1.48% |
| Mphasis Ltd. | IT - Software | Domestic Equities | 1.47% |
| Titan Company Ltd. | Consumer Durables | Domestic Equities | 1.44% |
| The Phoenix Mills Ltd. | Realty | Domestic Equities | 1.43% |
| Kirloskar Oil Engines Ltd. | Industrial Products | Domestic Equities | 1.33% |
| Maruti Suzuki India Ltd. | Automobiles | Domestic Equities | 1.33% |
| Azad Engineering Ltd. | Electrical Equipment | Domestic Equities | 1.32% |
| Cummins India Ltd. | Industrial Products | Domestic Equities | 1.28% |
| Bharat Electronics Ltd. | Aerospace & Defense | Domestic Equities | 1.24% |
| Torrent Pharmaceuticals Ltd. | Pharmaceuticals & Biotechnology | Domestic Equities | 1.24% |
| Eternal Ltd. | Retailing | Domestic Equities | 1.20% |
| 360 One Wam Ltd. | Capital Markets | Domestic Equities | 1.20% |
| Gabriel India Ltd. | Auto Components | Domestic Equities | 1.19% |
| Ujjivan Small Finance Bank Ltd. | Banks | Domestic Equities | 1.18% |
| Max Healthcare Institute Ltd. | Healthcare Services | Domestic Equities | 1.15% |
| JK Cement Ltd. | Cement & Cement Products | Domestic Equities | 1.14% |
| Nippon Life India Asset Management Ltd. | Capital Markets | Domestic Equities | 1.11% |
| JIO Financial Services Ltd. | Finance | Domestic Equities | 1.10% |
| JSW Steel Ltd. | Ferrous Metals | Domestic Equities | 1.06% |
| CarTrade Tech Ltd. | Retailing | Domestic Equities | 1.01% |
| Amber Enterprises India Ltd. | Consumer Durables | Domestic Equities | 1.00% |
| KFin Technologies Ltd. | Capital Markets | Domestic Equities | 1.00% |
| Dixon Technologies (India) Ltd. | Consumer Durables | Domestic Equities | 0.99% |
| Ultratech Cement Ltd. | Cement & Cement Products | Domestic Equities | 0.99% |
| TREPS | Cash & Cash Equivalents and Net Assets | 0.98% | |
| Hindustan Unilever Ltd. | Diversified FMCG | Domestic Equities | 0.98% |
| Ajanta Pharma Ltd. | Pharmaceuticals & Biotechnology | Domestic Equities | 0.98% |
| Avenue Supermarts Ltd. | Retailing | Domestic Equities | 0.96% |
| Shriram Finance Ltd. | Finance | Domestic Equities | 0.96% |
| CG Power and Industrial Solutions Ltd. | Electrical Equipment | Domestic Equities | 0.93% |
| LG Electronics India Ltd. | Consumer Durables | Domestic Equities | 0.92% |
| Persistent Systems Ltd. | IT - Software | Domestic Equities | 0.92% |
| Tata Motors Passenger Vehicles Ltd. | Automobiles | Domestic Equities | 0.89% |
| Lupin Ltd. | Pharmaceuticals & Biotechnology | Domestic Equities | 0.86% |
| Schneider Electric Infrastructure Ltd. | Electrical Equipment | Domestic Equities | 0.83% |
| Hindalco Industries Ltd. | Non - Ferrous Metals | Domestic Equities | 0.81% |
| Godrej Consumer Products Ltd. | Personal Products | Domestic Equities | 0.81% |
| KSB Ltd. | Industrial Products | Domestic Equities | 0.80% |
| DOMS Industries Ltd. | Household Products | Domestic Equities | 0.79% |
| Hindustan Copper Ltd. | Non - Ferrous Metals | Domestic Equities | 0.79% |
| Cholamandalam Investment and Finance Company Ltd. | Finance | Domestic Equities | 0.78% |
| Blue Star Ltd. | Consumer Durables | Domestic Equities | 0.77% |
| Tata Motors Ltd. | Agricultural, Commercial & Construction Vehicles | Domestic Equities | 0.77% |
| HDFC Asset Management Company Ltd. | Capital Markets | Domestic Equities | 0.74% |
| HCL Technologies Ltd. | IT - Software | Domestic Equities | 0.72% |
| Data Patterns (India) Ltd. | Aerospace & Defense | Domestic Equities | 0.71% |
| Endurance Technologies Ltd. | Auto Components | Domestic Equities | 0.69% |
| TVS Motor Company Ltd. | Automobiles | Domestic Equities | 0.68% |
| KEI Industries Ltd. | Industrial Products | Domestic Equities | 0.66% |
| Apollo Hospitals Enterprise Ltd. | Healthcare Services | Domestic Equities | 0.62% |
| Computer Age Management Services Ltd. | Capital Markets | Domestic Equities | 0.60% |
| Home First Finance Company India Ltd. | Finance | Domestic Equities | 0.59% |
| Net Receivable / Payable | Cash & Cash Equivalents and Net Assets | 0.55% | |
| Varun Beverages Ltd. | Beverages | Domestic Equities | 0.53% |
| Atul Ltd. | Chemicals & Petrochemicals | Domestic Equities | 0.52% |
| Aarti Industries Ltd. | Chemicals & Petrochemicals | Domestic Equities | 0.50% |
| Axis Bank Ltd. | Banks | Domestic Equities | 0.49% |
| Jubilant FoodWorks Ltd. | Leisure Services | Domestic Equities | 0.45% |
| Ather Energy Ltd. | Automobiles | Domestic Equities | 0.39% |
| Tata Steel Ltd. | Ferrous Metals | Domestic Equities | 0.37% |
| 364 Day Treasury Bills | Treasury Bills | 0.08% | |
| 6% TVS Motor Company Ltd. NCRPS @ | Preference Shares | 0.01% | |
| Total | 100.00% |
Mr. Pratik Dharmshi is a Fund Manager - Equity at Union Asset Management Company Private Limited. He has completed CA from the Institute of Chartered Accountants of India, with an overall experience of over 9 years in the field of Equity Research and Fund Management. Prior to joining Union AMC, he was associated with UTI Pension Fund Limited, Safe Enterprises, Girik Capital, Edelweiss Asset Management Company Limited, JP Morgan Private Limited, Crisil Limited and Morgan Stanley Advantage Private Limited in various capacities.
Mr. Pratit Vajani has around 6 years of experience in financial markets complemented by over 10 years of diverse professional experience. Appointed as Associate Fund Manager with Union Asset Management Company Pvt. Ltd with effect from July 1, 2025. January 02, 2023 to June 30, 2025 with Union Asset Management Company Pvt. Ltd as Research Analyst - Equity. Prior to joining Union AMC, Mr. Vajani was associated with ICICI Securities Ltd as Research Analyst and PricewaterhouseCoopers Pvt. Ltd. as a Management Consultant.
AMC
RETURNS
It is an Open ended scheme that primarily invests in Solution Oriented - Retirement Fund.
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.
The scheme benchmark is the BSE 500 - TRI
It is classified as Very High Risk, suitable for investors with a Very High risk appetite.
Returns Delivered by the funds are as follows:
1-year: 2.86%
3-year: 14.45%
5-year: 0%
Top holdings include names such as:
The NAV is around ₹15.82 (approx.) for the Union Retirement Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹198 Cr.
The expense ratio for the Regular Plan is 0.
Nil.
Minimum SIP starts at ₹1000.
The minimum lump sum investment is ₹1000. Often platforms may require higher in practice, but the statutory minimum remains the same.
You can start a SIP through:
Broker/agent platform like Sharescart.
Enter KYC details, choose the Regular Growth option, set SIP amount/frequency, and submit.
Yes. You can modify your SIP amount or frequency anytime online through the Sharescart platform.
You can redeem online via the Sharescart platform — choose the scheme, select the amount/units, and submit. Proceeds are credited to your bank account.
The fund managers: Pratik Dharmshi, Pratit Vajani
This fund is suitable for investors with a Very High risk tolerance.
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