ICICI Prudential Retirement Fund Hybrid Aggressive vs Union Retirement Fund
ICICI Prudential Retirement Fund Hybrid Aggressive (Direct) and Union Retirement Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Retirement Fund schemes — see the best retirement mutual funds for the full ranking.
Head to head
NAVs as of 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 29 Sep 2022 – 20 Aug 2026, limited by Union Retirement Fund. Every series is rebased to ₹100 at the start of this window. Benchmark lines are the category index WealthTicker measures against, which is not always the benchmark the scheme itself declares — the fund page’s Scheme Info names that one.
View as table
| Date | ICICI Prudential Retirement Fund Hybrid Aggressive | Union Retirement Fund | Nifty 500 |
|---|---|---|---|
| 29 Sep 2022 | ₹100.00 | ₹100.00 | ₹100.00 |
| 25 Jan 2023 | ₹101.91 | ₹102.40 | ₹103.90 |
| 24 May 2023 | ₹105.93 | ₹107.61 | ₹106.26 |
| 19 Sep 2023 | ₹123.84 | ₹125.65 | ₹120.62 |
| 16 Jan 2024 | ₹140.22 | ₹140.88 | ₹135.78 |
| 13 May 2024 | ₹154.49 | ₹145.99 | ₹140.46 |
| 09 Sep 2024 | ₹172.79 | ₹166.94 | ₹160.95 |
| 05 Jan 2025 | ₹170.94 | ₹165.90 | ₹155.51 |
| 03 May 2025 | ₹167.43 | ₹158.92 | ₹150.70 |
| 30 Aug 2025 | ₹178.20 | ₹166.11 | ₹153.83 |
| 26 Dec 2025 | ₹192.67 | ₹175.81 | ₹162.85 |
| 24 Apr 2026 | ₹190.50 | ₹172.58 | ₹154.56 |
| 20 Aug 2026 | ₹204.33 | ₹185.19 | ₹161.02 |
Portfolio overlap (same stocks held through more than one fund)
Some overlap is structural: SEBI defines large cap as the top 100 stocks by market capitalisation, so two large-cap funds are fishing the same pond by regulation. The bands below are measured per sleeve pairing rather than against one blanket threshold. How this is measured →
ICICI Prudential Retirement Fund Hybrid Aggressive and Union Retirement Fund share 31% of their equity book by weight.
Shared holdings — ICICI Prudential Retirement Fund Hybrid Aggressive vs Union Retirement Fund
| Stock | ICICI Prudential Retirement Fund Hybrid Aggressive | Union Retirement Fund | |
|---|---|---|---|
| HDFC Bank Ltd | 3.01% | 5.48% | 3.01% |
| Reliance Industries Ltd | 2.49% | 2.54% | 2.49% |
| Multi Commodity Exchange Of India Ltd | 1.92% | 2.51% | 1.92% |
| Larsen & Toubro Ltd | 2.28% | 1.83% | 1.83% |
| Axis Bank Ltd | 1.89% | 1.75% | 1.75% |
| Kirloskar Oil Engines Ltd | 2.83% | 1.59% | 1.59% |
| Titan Company Ltd | 2.82% | 1.51% | 1.51% |
| Ami Organics Ltd | 1.41% | 2.08% | 1.41% |
| Mphasis Ltd | 1.73% | 1.36% | 1.36% |
| Zomato Ltd | 1.23% | 1.56% | 1.23% |
| Maruti Suzuki India Ltd | 1.23% | 1.39% | 1.23% |
| Trent Ltd | 1.26% | 1.12% | 1.12% |
| State Bank of India | 1.10% | 2.27% | 1.10% |
| Nippon Life India Asset Management Ltd | 1.03% | 1.43% | 1.03% |
| Avenue Supermarts Ltd | 1.49% | 1.01% | 1.01% |
10 more stocks in common. 25 shared of 80 / 79 positions. Weights are shown as a share of each fund's equity book.
| Metric | ICICI Prudential · Direct NAV ₹32.06 High risk ★★★★★ | Union · Direct NAV ₹17.76 High risk ★★★★☆ | Category median Retirement Fund · 29 funds |
|---|---|---|---|
| +10.97%Best in row | +8.42% | +4.07% | |
| +20.11%Best in row | +15.52% | +10.96% | |
| +16.71% | — | +10.01% | |
| +16.85% | +17.16%Best in row | +10.95% | |
| +17.79%Best in row | +13.94% | — | |
| +19.68%Best in row | +17.77% | +12.79% | |
| +20.08% | — | +12.13% | |
| Risk | |||
| 13.81%Best in row | 14.19% | 10.69% | |
| 0.98Best in row | 0.64 | 0.47 | |
| 1.34Best in row | 0.86 | 0.65 | |
| -28.71% | -17.77%Best in row | -16.53% | |
| +7.38%Best in row | +3.21% | +0.92% | |
| 0.86 | 0.90 | 0.76 | |
| 109.2%Best in row | 101.3% | 82.1% | |
| 69.9%Best in row | 83.4% | 69.9% | |
| 1.18%Best in row | 1.39% | 1.12% | |
| ₹1,173Cr | ₹197.16Cr | ₹280.84Cr | |
| ₹5.00K | ₹1.00K | — | |
| 63% | 45% | 24% | |
| Darshil Dedhia | Pratik Dharmshi | — | |
| 28 Feb 2019 | 29 Sep 2022 | — | |
| 80 | 79 | — | |
| 19.9% | 29.1% | — | |
| 7.5% | 1.2% | — | |
6 rows carry the same value for every fund — show
- 10Y return (CAGR)
- —
- 10Y rolling avg
- —
- Benchmark
- Nifty 500
- Exit load
- None
- Lock-in
- 5 years
- Min SIP
- ₹100
Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — ICICI Prudential Retirement Fund Hybrid Aggressive or Union Retirement Fund?
Over the last 3 years, ICICI Prudential Retirement Fund Hybrid Aggressive returned +20.11% CAGR against Union Retirement Fund's +15.52%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — ICICI Prudential Retirement Fund Hybrid Aggressive or Union Retirement Fund?
ICICI Prudential Retirement Fund Hybrid Aggressive has the lower expense ratio: ICICI Prudential Retirement Fund Hybrid Aggressive charges 1.18% a year against Union Retirement Fund's 1.39%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — ICICI Prudential Retirement Fund Hybrid Aggressive or Union Retirement Fund?
Union Retirement Fund has shown higher volatility (+14.19% annualized vs ICICI Prudential Retirement Fund Hybrid Aggressive's +13.81%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: ICICI Prudential Retirement Fund Hybrid Aggressive -14.67% vs Union Retirement Fund -17.77%.
Which fund manages more money — ICICI Prudential Retirement Fund Hybrid Aggressive or Union Retirement Fund?
ICICI Prudential Retirement Fund Hybrid Aggressive is the larger fund: ICICI Prudential Retirement Fund Hybrid Aggressive manages ₹1,173Cr against Union Retirement Fund's ₹197.16Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are ICICI Prudential Retirement Fund Hybrid Aggressive and Union Retirement Fund in the same category?
Yes — both are Retirement Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.