Retirement FundUnion Asset Management Company Private Limited

Union Retirement Fund - Direct Plan - Growth Option

Benchmark: BSE 500 TRI · Riskometer: Very High

₹17.79

NAV (2026-08-31)

₹216.224 Cr

AUM (2026-08-31)

1.39%

EXPENSE RATIO (DIRECT)

2022-09-01

INCEPTION

AQuality · 81.3/100

DSafety · 45.2/100

BCompound · 69.2/100

Punji Fund Health Score - percentile-within-category. See methodology.

CHART

Rolling CAGR by holding period - min, median, max

Each group is one holding-period length. Full range of outcomes across every overlapping window in the fund's history, not one trailing number.

Min rolling CAGRMedian rolling CAGRMax rolling CAGR

Category RankRisk MetricsHoldingsSimilar FundsPunji Analytics

Metric	Value	Percentile	Category median
3Y Rolling CAGR	18.3%	88.46^th	12.8%
3Y Sharpe Ratio	0.59	81.48^th	0.43
3Y Alpha	3.4%	81.48^th	0.3%
3Y Std Deviation	13.7%	18.52^th (lower is better)	9.5%

0.5941

0.8595

3.3665

0.9613

13.7318

-17.7698

100.3972

91.8134

3.5315

Tracking Error (%)

0.8469

Calmar Ratio

3-year window vs. BSE 500 TRI.

CHART

Top sector holdings

Share of portfolio (% to NAV) in each of the top sectors.

Banks 18.27%Capital Markets 6%Auto Components 5.57%Electrical Equipment 5.56%Chemicals & Petrochemicals 5.3%Consumer Durables 5.23%Pharmaceuticals & Biotechnology 4.87%IT - Software 4.83%Retailing 4.51%Industrial Products 4.31%Automobiles 3.94%Finance 3.11%Construction 2.38%Petroleum Products 2.27%Realty 2.24%Healthcare Services 2.09%Cement & Cement Products 1.92%Agricultural Food & other Products 1.91%Power 1.9%Telecom - Services 1.6%Insurance 1.25%Non - Ferrous Metals 1.21%Aerospace & Defense 1.21%Ferrous Metals 1%Transport Infrastructure 0.93%Other 0.9%Diversified FMCG 0.9%Agricultural, Commercial & Construction Vehicles 0.83%Textiles & Apparels 0.78%Household Products 0.77%Transport Services 0.68%Metals & Minerals Trading 0.66%Beverages 0.63%Leisure Services 0.44%

TOP HOLDINGS

ICICI Bank Ltd. (Banks)6.15%

HDFC Bank Ltd. (Banks)4.99%

Solar Industries India Ltd. (Chemicals & Petrochemicals)2.32%

Multi Commodity Exchange of India Ltd. (Capital Markets)2.31%

Reliance Industries Ltd. (Petroleum Products)2.27%

S.J.S. Enterprises Ltd. (Auto Components)2.05%

Eternal Ltd. (Retailing)2.02%

State Bank of India (Banks)2.01%

Tata Consumer Products Ltd. (Agricultural Food & other Products)1.91%

NTPC Ltd. (Power)1.9%

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