Union Retirement Fund
Ticker: mf13593
Decent
58/100
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U
Union Money Market Fund
Union Money Market Fund presents a stable investment option but lacks significant growth catalysts.
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I
Invesco India Medium Duration Fund
The fund shows potential but has several areas of concern that need to be addressed for better performance.
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H
HSBC Dynamic Bond Fund
The HSBC Dynamic Bond Fund shows decent potential with stable growth and manageable risks, but investors should be cautious of execution risks and market conditions.
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I
ITI Ultra Short Duration Fund
The ITI Ultra Short Duration Fund presents several risks, particularly in terms of growth consistency and market sentiment, making it a risky investment at this time.
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U
UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund
The fund presents a decent investment option for conservative investors seeking stable returns, but growth potential is limited.
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S
SBI FMP-76-1221D
The stock shows moderate potential but carries risks that may affect future performance.
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H
HDFC Nifty100 Quality 30 Index Fund
The fund is positioned well with quality stocks, but investors should be cautious of execution risks.
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L
LIC MF Focused Fund
The LIC MF Focused Fund shows potential but carries significant risks due to inconsistent growth and valuation concerns.
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H
HDFC NIFTY G-Sec Apr 2029 Index Fund
The fund shows decent potential with stable growth and a solid balance sheet, but investors should be cautious of execution risks.
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S
Samco Special Opportunities Fund
The fund shows potential with decent growth and profitability metrics, but faces challenges in market sentiment and execution risks.
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E
Edelweiss Government Securities Fund
The fund is positioned well in a stable sector but faces challenges from market dynamics and competition.
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U
Union Income Plus Arbitrage Active FOF
The fund shows potential with a decent score but lacks strong growth drivers and profitability consistency.
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B
Bank of India Money Market Fund
The Bank of India Money Market Fund shows decent stability and growth potential, but faces challenges in profitability and market sentiment.
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E
Edelweiss MSCI India Domestic & World Healthcare 45 Index Fund
The fund is positioned well within a growing sector, but caution is advised due to valuation concerns and execution risks.
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S
SBI FMP-74-1243D
The stock presents several risks with limited growth prospects and inconsistent performance metrics.
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H
HDFC FMP-Sr 47-2638D-Feb 2023
The stock presents a decent investment opportunity but lacks strong growth drivers and has some governance concerns.
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Business Overview
The Union Retirement Fund is a strategic investment solution designed for Indian professionals looking to secure their financial future post-retirement. It caters to individuals across various sectors, ensuring a stable income during retirement years. By investing in this fund, you not only safeguard your savings but also benefit from expert management and diversified portfolios. This fund is essential for anyone aiming to achieve financial independence and peace of mind in their golden years.
- Tailored for Indian professionals
- Focus on long-term financial security
- Expert management for optimal returns
- Diversified investment portfolios
- Supports a comfortable retirement lifestyle
Investment Thesis
Union Retirement Fund stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions it as a promising investment for retail investors seeking long-term gains.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services catering to evolving consumer needs.
- Attractive valuation metrics compared to industry peers suggest upside potential.
- Consistent financial performance and strategic initiatives bolster growth prospects.
- Focus on innovation and technology positions the fund for future success.
Opportunity vs Risk
Opportunities
- Growing demand for retirement solutions
- Strong brand reputation in the market
- Potential for government policy support
- Expanding digital investment platforms
Risks ⚠️
- Market volatility affecting returns
- Regulatory changes impacting operations
- Competition from fintech startups
- Economic downturns reducing investment inflows
Peer Perspective
Union Retirement Fund trades at a slight premium compared to peers like HDFC Pension and SBI Life, but requires margin stability and consistent growth to justify this valuation and attract more investors.
📊 Stock Investment Checklist (100 Points)
Union Retirement Fund • Updated: 2025-09-29 15:57:46
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10BusinessHighThe sector is evolving but lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, with cash flow issues.
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8ValuationHighValuation metrics are higher than peers, indicating potential overvaluation.
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5BalanceGoodModerate debt levels with limited liquidity.
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7GovernanceHighPromoter holding is decent but there are concerns about disclosures.
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3DriversLowLimited growth catalysts and significant execution risks.
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0TechnicalsLowWeak market sentiment and poor price action.
Final Score & Verdict
Score 58 / 100
• Decent
The stock shows some potential but is hindered by inconsistent growth and profitability metrics. Caution is advised.