Union Retirement Fund Direct-Growth
Equity: Flexi Cap - Growth (Open ended)
SEBI Riskometer: Very HighCategory: Equity: Flexi CapBenchmark: BSE 500 Total Return IndexCheck Portfolio Overlap →
NAV: ₹16.18-0.80%
22 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Union Retirement Fund Direct-Growth.
Market Cap Distribution
Large Cap (47.8%)
Mid Cap (20.9%)
Small Cap (31.3%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 97.85% | 98.50% | 99.11% | 98.77% | 98.42% | 98.91% |
| Debt | 0.07% | 0.03% | 0.04% | 0.07% | 0.08% | 0.08% |
| Others (incl. cash) | 2.08% | 1.47% | 0.85% | 1.16% | 1.50% | 1.01% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
81
P/E Ratio
32.60
P/B Ratio
4.73
Top Holding %
5.76%
Top 5 Holdings %
17.47%
Top 10 Holdings %
27.70%
AUM
₹207 Cr
Expense Ratio
1.36%
Since Inception
12.50%
Max Drawdown
-0.18%
Alpha
2.88%
Sharpe Ratio
0.47
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 90,000 | 11.9 | 5.76% | -0.29%↓ |
| HDFC Bank Ltd. | Financial | 1,25,000 | 8.86 | 4.29% | -0.30%↓ |
| Multi Commodity Exchange Of India Ltd. | Services | 17,000 | 5.61 | 2.72% | -0.11%↓ |
| Solar Industries India Ltd. | Chemicals | 2,650 | 5.22 | 2.53% | 0.07%↑ |
| Eternal Ltd. | Services | 1,40,000 | 4.48 | 2.17% | 0.05%↑ |
| Reliance Industries Ltd. | Energy | 36,500 | 4.33 | 2.10% | -0.06%↓ |
| Axis Bank Ltd. | Financial | 35,000 | 4.29 | 2.08% | 0.16%↑ |
| Navin Fluorine International Ltd. | Chemicals | 5,000 | 4.12 | 2.00% | -0.01%↓ |
| SJS Enterprises Ltd. | Automobile | 18,000 | 4.06 | 1.97% | -0.10%↓ |
| Azad Engineering Ltd. | Capital Goods | 13,000 | 3.85 | 1.87% | 0.15%↑ |
| Tata Consumer Products Ltd. | Consumer Staples | 40,000 | 3.8 | 1.84% | -0.08%↓ |
| GE Vernova T&D India Ltd | Capital Goods | 9,000 | 3.78 | 1.83% | -0.02%↓ |
| NTPC Ltd. | Energy | 1,15,000 | 3.71 | 1.80% | 0.06%↑ |
| State Bank of India | Financial | 38,000 | 3.65 | 1.77% | -0.24%↓ |
| Karur Vysya Bank Ltd. | Financial | 1,09,200 | 3.55 | 1.72% | -0.04%↓ |
| CarTrade Tech Ltd. | Services | 11,500 | 3.33 | 1.61% | 0.02%↑ |
| Dixon Technologies (India) Ltd. | Capital Goods | 2,500 | 3.28 | 1.59% | 0.01%↑ |
| Titan Company Ltd. | Consumer Discretionary | 7,000 | 3.21 | 1.55% | -0.10%↓ |
| Kirloskar Oil Engines Ltd. | Capital Goods | 13,700 | 3.16 | 1.53% | 0.20%↑ |
| Infosys Ltd. | Technology | 31,524 | 3.13 | 1.52% | -0.13%↓ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 25.15% | 25.68% | 25.75% | 26.12% | 27.07% | 28.03% |
| Capital Goods | 12.34% | 12.53% | 12.42% | 12.45% | 12.30% | 12.83% |
| Services | 11.78% | 10.56% | 10.10% | 10.66% | 6.90% | 6.85% |
| Automobile | 10.24% | 10.31% | 10.35% | 9.45% | 9.34% | 8.79% |
| Healthcare | 6.49% | 6.43% | 6.96% | 7.40% | 8.01% | 6.58% |
| Chemicals | 5.77% | 5.64% | 5.30% | 5.20% | 5.26% | 4.35% |
| Technology | 4.46% | 4.73% | 4.83% | 4.22% | 4.96% | 4.98% |
| Consumer Discretionary | 4.02% | 3.93% | 3.89% | 3.99% | 4.13% | 4.49% |
| Energy | 3.90% | 3.90% | 4.17% | 4.50% | 4.92% | 5.89% |
| Consumer Staples | 3.62% | 3.59% | 4.21% | 4.39% | 5.31% | 4.87% |
| Construction | 3.54% | 4.62% | 4.62% | 4.17% | 3.49% | 3.49% |
| Metals & Mining | 2.60% | 2.68% | 2.21% | 2.21% | 3.03% | 3.53% |
| Materials | 1.65% | 1.66% | 1.92% | 1.91% | 2.13% | 2.59% |
| Communication | 1.45% | 1.42% | 1.60% | 1.53% | 1.57% | 1.64% |
| Textiles | 0.84% | 0.82% | 0.78% | 0.57% | - | - |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| Cash & Call Money | 3.54% | 0.25% |
| SOV | 0.07% | 0.05% |
| AAA | - | 0.00% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
42.6 / 100
Weighted average Value score is 42.6. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
57.7 / 100
Weighted average Price Momentum score is 57.7. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
71.3 / 100
Weighted average Quality score is 71.3. This indicates that portfolio has average quality using composite of quality measures.
QVM score
63.0 / 100
Weighted average QVM score is 63.0. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Frequently Asked Questions
What are the top holdings of Union Retirement Fund Direct-Growth?
The top holdings of Union Retirement Fund Direct-Growth as of 30 Sep 2026 are ICICI Bank Ltd. (5.76%), HDFC Bank Ltd. (4.29%), Multi Commodity Exchange Of India Ltd. (2.72%), Solar Industries India Ltd. (2.53%), Eternal Ltd. (2.17%). These top 5 stocks together account for 17.47% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Union Retirement Fund Direct-Growth hold in its portfolio?
Union Retirement Fund Direct-Growth holds 81 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Union Retirement Fund Direct-Growth?
As of 30 Sep 2026, Union Retirement Fund Direct-Growth's top sector allocations are Financial (25.15%), Capital Goods (12.34%), Services (11.78%). You can find detailed sector allocation above.
What is the equity and debt allocation of Union Retirement Fund Direct-Growth?
As of 30 Sep 2026, Union Retirement Fund Direct-Growth has 97.85% allocated to equity, and 0.07% to debt. You can also check the historical trends above.
What is the market cap allocation of Union Retirement Fund Direct-Growth?
As of 30 Sep 2026, Union Retirement Fund Direct-Growth's market cap allocation is 47.82% in large caps, 20.93% in mid caps, and 31.25% in small caps.
What is the PE ratio of Union Retirement Fund Direct-Growth's portfolio?
The portfolio PE ratio of Union Retirement Fund Direct-Growth is 32.60 as of 30 Sep 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Union Retirement Fund Direct-Growth?
As of 30 Sep 2026, Union Retirement Fund Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 0.07% in sovereign securities. For an equity fund, debt and cash holdings are typically in high-quality, short-duration instruments to maintain liquidity and safety. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Union Retirement Fund Direct-Growth?
The latest portfolio disclosure for Union Retirement Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.