ICICI Prudential Retirement Fund Pure Equity vs Union Retirement Fund
ICICI Prudential Retirement Fund Pure Equity (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 Pure Equity | Union Retirement Fund | Nifty 500 |
|---|---|---|---|
| 29 Sep 2022 | ₹100.00 | ₹100.00 | ₹100.00 |
| 25 Jan 2023 | ₹102.22 | ₹102.40 | ₹103.90 |
| 24 May 2023 | ₹106.67 | ₹107.61 | ₹106.26 |
| 19 Sep 2023 | ₹127.22 | ₹125.65 | ₹120.62 |
| 16 Jan 2024 | ₹148.44 | ₹140.88 | ₹135.78 |
| 13 May 2024 | ₹164.67 | ₹145.99 | ₹140.46 |
| 09 Sep 2024 | ₹185.50 | ₹166.94 | ₹160.95 |
| 05 Jan 2025 | ₹184.17 | ₹165.90 | ₹155.51 |
| 03 May 2025 | ₹179.56 | ₹158.92 | ₹150.70 |
| 30 Aug 2025 | ₹193.22 | ₹166.11 | ₹153.83 |
| 26 Dec 2025 | ₹209.11 | ₹175.81 | ₹162.85 |
| 24 Apr 2026 | ₹210.11 | ₹172.58 | ₹154.56 |
| 20 Aug 2026 | ₹222.17 | ₹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 Pure Equity and Union Retirement Fund share 30% of their equity book by weight.
Shared holdings — ICICI Prudential Retirement Fund Pure Equity vs Union Retirement Fund
| Stock | ICICI Prudential Retirement Fund Pure Equity | Union Retirement Fund | |
|---|---|---|---|
| HDFC Bank Ltd | 6.34% | 5.48% | 5.48% |
| ICICI Bank Ltd | 2.69% | 6.07% | 2.69% |
| Reliance Industries Ltd | 4.85% | 2.54% | 2.54% |
| Multi Commodity Exchange Of India Ltd | 2.88% | 2.51% | 2.51% |
| Larsen & Toubro Ltd | 2.16% | 1.83% | 1.83% |
| Bharti Airtel Ltd | 2.81% | 1.55% | 1.55% |
| Phoenix Mills Ltd | 1.71% | 1.53% | 1.53% |
| Titan Company Ltd | 1.56% | 1.51% | 1.51% |
| Avenue Supermarts Ltd | 2.39% | 1.01% | 1.01% |
| JSW Steel Ltd | 1.03% | 0.99% | 0.99% |
| Ultratech Cement Ltd | 1.92% | 0.94% | 0.94% |
| Hindustan Unilever Ltd | 3.38% | 0.93% | 0.93% |
| NTPC Ltd | 0.89% | 2.01% | 0.89% |
| Nippon Life India Asset Management Ltd | 0.77% | 1.43% | 0.77% |
| LG Electronics India Ltd. | 0.73% | 0.80% | 0.73% |
9 more stocks in common. 24 shared of 96 / 79 positions. Weights are shown as a share of each fund's equity book.
| Metric | ICICI Prudential · Direct NAV ₹39.99 High risk ★★★★★ | Union · Direct NAV ₹17.76 High risk ★★★★☆ | Category median Retirement Fund · 29 funds |
|---|---|---|---|
| +10.47%Best in row | +8.42% | +4.07% | |
| +22.59%Best in row | +15.52% | +10.96% | |
| +21.22% | — | +10.01% | |
| +20.36%Best in row | +17.16% | +10.95% | |
| +20.10%Best in row | +13.94% | — | |
| +25.41%Best in row | +17.77% | +12.79% | |
| +25.90% | — | +12.13% | |
| Risk | |||
| 16.26% | 14.19%Best in row | 10.69% | |
| 0.99Best in row | 0.64 | 0.47 | |
| 1.34Best in row | 0.86 | 0.65 | |
| -37.17% | -17.77%Best in row | -16.53% | |
| +8.79%Best in row | +3.21% | +0.92% | |
| 1.02 | 0.90 | 0.76 | |
| 127.3%Best in row | 101.3% | 82.1% | |
| 87.3% | 83.4%Best in row | 69.9% | |
| 0.87%Best in row | 1.39% | 1.12% | |
| ₹1,884Cr | ₹197.16Cr | ₹280.84Cr | |
| ₹5.00K | ₹1.00K | — | |
| 69% | 45% | 24% | |
| Darshil Dedhia | Pratik Dharmshi | — | |
| 28 Feb 2019 | 29 Sep 2022 | — | |
| 96 | 79 | — | |
| 30.3% | 29.1% | — | |
| 6.7% | 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 Pure Equity or Union Retirement Fund?
Over the last 3 years, ICICI Prudential Retirement Fund Pure Equity returned +22.59% 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 Pure Equity or Union Retirement Fund?
ICICI Prudential Retirement Fund Pure Equity has the lower expense ratio: ICICI Prudential Retirement Fund Pure Equity charges 0.87% 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 Pure Equity or Union Retirement Fund?
ICICI Prudential Retirement Fund Pure Equity has shown higher volatility (+16.26% annualized vs Union Retirement Fund's +14.19%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: ICICI Prudential Retirement Fund Pure Equity -16.85% vs Union Retirement Fund -17.77%.
Which fund manages more money — ICICI Prudential Retirement Fund Pure Equity or Union Retirement Fund?
ICICI Prudential Retirement Fund Pure Equity is the larger fund: ICICI Prudential Retirement Fund Pure Equity manages ₹1,884Cr 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 Pure Equity 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.