Union Retirement Fund Direct-Growth
Equity: Flexi Cap - Growth (Open ended) Factsheet
SEBI Riskometer: Very HighCategory: Equity: Flexi CapBenchmark: BSE 500 Total Return IndexCheck Portfolio Overlap →
NAV: ₹17.57+0.06%
07 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Union Retirement Fund Direct-Growth.
Market Cap Distribution
Large Cap (52.1%)
Mid Cap (20.3%)
Small Cap (27.6%)
Historical Asset Allocation
| Asset | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 |
|---|---|---|---|---|---|---|
| Equity | 99.11% | 98.77% | 98.42% | 98.91% | 97.92% | 97.58% |
| Debt | 0.04% | 0.07% | 0.08% | 0.08% | 0.09% | 0.08% |
| Others (incl. cash) | 0.85% | 1.16% | 1.50% | 1.01% | 1.99% | 2.34% |
| 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
83
P/E Ratio
29.89
P/B Ratio
4.58
Top Holding %
6.15%
Top 5 Holdings %
18.04%
Top 10 Holdings %
27.93%
AUM
₹210 Cr
Expense Ratio
1.37%
Since Inception
15.29%
Max Drawdown
-0.18%
Alpha
2.91%
Sharpe Ratio
0.65
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 | 12.92 | 6.15% | 0.15%↑ |
| HDFC Bank Ltd. | Financial | 1,40,000 | 10.47 | 4.99% | -0.42%↓ |
| Solar Industries India Ltd. | Chemicals | 2,650 | 4.87 | 2.32% | -0.08%↓ |
| Multi Commodity Exchange Of India Ltd. | Services | 18,000 | 4.85 | 2.31% | -0.17%↓ |
| Reliance Industries Ltd. | Energy | 36,500 | 4.77 | 2.27% | -0.24%↓ |
| SJS Enterprises Ltd. | Automobile | 18,000 | 4.31 | 2.05% | 0.11%↑ |
| Eternal Ltd. | Services | 1,40,000 | 4.23 | 2.02% | 0.48%↑ |
| State Bank of India | Financial | 41,000 | 4.21 | 2.01% | -0.23%↓ |
| Tata Consumer Products Ltd. | Consumer Staples | 37,000 | 4.01 | 1.91% | -0.02%↓ |
| NTPC Ltd. | Energy | 1,15,000 | 3.99 | 1.90% | -0.09%↓ |
| Axis Bank Ltd. | Financial | 32,000 | 3.93 | 1.87% | 0.14%↑ |
| GE Vernova T&D India Ltd | Capital Goods | 9,000 | 3.89 | 1.85% | -0.19%↓ |
| Navin Fluorine International Ltd. | Chemicals | 5,000 | 3.78 | 1.80% | -0.06%↓ |
| Karur Vysya Bank Ltd. | Financial | 1,09,200 | 3.74 | 1.78% | 0.21%↑ |
| Infosys Ltd. | Technology | 31,524 | 3.56 | 1.70% | 0.17%↑ |
| Titan Company Ltd. | Consumer Discretionary | 7,000 | 3.41 | 1.63% | 0.14%↑ |
| Bharti Airtel Ltd. | Communication | 17,000 | 3.35 | 1.60% | 0.07%↑ |
| Torrent Pharmaceuticals Ltd. | Healthcare | 6,200 | 3.18 | 1.51% | 0.27%↑ |
| Larsen & Toubro Ltd. | Construction | 8,000 | 3.15 | 1.50% | -0.31%↓ |
| CarTrade Tech Ltd. | Services | 11,500 | 3.13 | 1.49% | -0.01%↓ |
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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 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 |
|---|---|---|---|---|---|---|
| Financial | 25.75% | 26.12% | 27.07% | 28.03% | 27.28% | 29.38% |
| Capital Goods | 12.42% | 12.45% | 12.30% | 12.83% | 11.83% | 11.90% |
| Automobile | 10.35% | 9.45% | 9.34% | 8.79% | 9.29% | 9.51% |
| Services | 10.10% | 10.66% | 6.90% | 6.85% | 6.31% | 5.57% |
| Healthcare | 6.96% | 7.40% | 8.01% | 6.58% | 8.17% | 7.25% |
| Chemicals | 5.30% | 5.20% | 5.26% | 4.35% | 3.54% | 3.45% |
| Technology | 4.83% | 4.22% | 4.96% | 4.98% | 5.71% | 4.93% |
| Construction | 4.62% | 4.17% | 3.49% | 3.49% | 3.34% | 3.55% |
| Consumer Staples | 4.21% | 4.39% | 5.31% | 4.87% | 3.91% | 3.97% |
| Energy | 4.17% | 4.50% | 4.92% | 5.89% | 5.92% | 5.70% |
| Consumer Discretionary | 3.89% | 3.99% | 4.13% | 4.49% | 4.36% | 4.53% |
| Metals & Mining | 2.21% | 2.21% | 3.03% | 3.53% | 3.85% | 3.82% |
| Materials | 1.92% | 1.91% | 2.13% | 2.59% | 2.70% | 2.39% |
| Communication | 1.60% | 1.53% | 1.57% | 1.64% | 1.71% | 1.63% |
| Textiles | 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
42.4 / 100
Weighted average Value score is 42.4. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
56.7 / 100
Weighted average Price Momentum score is 56.7. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
73.0 / 100
Weighted average Quality score is 73.0. This indicates that portfolio has average quality using composite of quality measures.
QVM score
62.6 / 100
Weighted average QVM score is 62.6. 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 31 Jul 2026 are ICICI Bank Ltd. (6.15%), HDFC Bank Ltd. (4.99%), Solar Industries India Ltd. (2.32%), Multi Commodity Exchange Of India Ltd. (2.31%), Reliance Industries Ltd. (2.27%). These top 5 stocks together account for 18.04% 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 83 stocks in its portfolio as of 31 Jul 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 31 Jul 2026, Union Retirement Fund Direct-Growth's top sector allocations are Financial (25.75%), Capital Goods (12.42%), Automobile (10.35%). You can find detailed sector allocation above.
What is the equity and debt allocation of Union Retirement Fund Direct-Growth?
As of 31 Jul 2026, Union Retirement Fund Direct-Growth has 99.11% allocated to equity, and 0.04% to debt. You can also check the historical trends above.
What is the market cap allocation of Union Retirement Fund Direct-Growth?
As of 31 Jul 2026, Union Retirement Fund Direct-Growth's market cap allocation is 52.07% in large caps, 20.34% in mid caps, and 27.59% 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 29.89 as of 31 Jul 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 31 Jul 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 31 Jul 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.