COMPARE
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs Union Retirement Fund - Direct Plan - Growth Option
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth and Union Retirement Fund are both in the Retirement Fund category, from Aditya Birla Sun Life AMC Limited and Union Asset Management Company Private Limited respectively. Union Retirement Fund has posted a higher 3-year rolling CAGR. Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the lower direct-plan expense ratio, by 0.02 percentage points.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Union Retirement Fund - Direct Plan - Growth Option | |
|---|---|---|
| Category | Retirement Fund | Retirement Fund |
| AMC | Aditya Birla Sun Life AMC Limited | Union Asset Management Company Private Limited |
| Benchmark | Nifty 500 TRI | BSE 500 TRI |
| NAV | ₹24.221 (2026-10-28) | ₹16.37 (2026-10-28) |
| AUM | ₹451.063 Cr | ₹200.058 Cr |
| Expense Ratio (Direct) | 1.35% | 1.37% |
| Inception | 2019-02-19 | 2022-09-01 |
Returns
Union Retirement Fund leads on 3-year rolling CAGR (18.0% vs Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's 14.8%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been the more volatile of the two by standard deviation.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Union Retirement Fund - Direct Plan - Growth Option | |
|---|---|---|
| 3Y Sharpe Ratio | 0.44 | 0.19 |
| 3Y Alpha | 5.1678% | 1.7764% |
| 3Y Std Deviation | 14.3683% | 14.1016% |
| 3Y Calmar Ratio | 0.71 | 0.54 |
Portfolio Analytics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth carries the higher portfolio YTM.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Union Retirement Fund - Direct Plan - Growth Option | |
|---|---|---|
| P/E Ratio | 29.8704 | 29.5478 |
| P/B Ratio | 6.656 | 7.6038 |
| Dividend Yield | 0.8311% | 0.744% |
| Active Share | - | 64.35% |
| Portfolio Turnover | 48% | 44% |
| YTM | 6.99% | 5.3857% |
| Duration (Macaulay) | - | - |
Punji Fund Health Score
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth and Union Retirement Fund carry the same Punji Quality grade.
Frequently asked questions
Which has a higher 3-year return, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Union Retirement Fund?
Union Retirement Fund's 3-year rolling CAGR of 18.0% is higher than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's 14.8%. Union Retirement Fund sits in the 89th percentile of its category on this metric, versus the 70th percentile for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Union Retirement Fund?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's direct-plan expense ratio is 0.02 percentage points lower than Union Retirement Fund's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Union Retirement Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been more volatile than Union Retirement Fund over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.44 for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs 0.19 for Union Retirement Fund) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Union Retirement Fund?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has ₹451 Cr in assets under management, versus ₹200 Cr for Union Retirement Fund. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Union Retirement Fund?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's portfolio YTM (6.99%) is higher than Union Retirement Fund's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which fund has a longer track record, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Union Retirement Fund?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth launched on 2019-02-19, making it older than Union Retirement Fund (launched 2022-09-01). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.