Union Retirement Fund (IDCW) is a dedicated investment solution designed for individuals planning for a secure retirement. It focuses on long-term wealth accumulation, making it ideal for those looking to build a robust financial future. This fund is particularly beneficial for young professionals and families aiming to ensure financial stability in their golden years. With a disciplined approach to investment, it offers potential growth while managing risks effectively.

Designed for long-term retirement planning
Ideal for young professionals and families
Focuses on wealth accumulation
Risk management strategies in place
Regular income distribution through IDCW
Backed by experienced fund management team

Investment Thesis

Union Retirement Fund presents a compelling investment opportunity due to its credible promoter group, robust growth in digital services, and attractive valuation compared to peers. This combination positions the fund for sustained performance and long-term gains.

Strong promoter credibility enhances trust and stability.
Significant growth potential in digital services aligns with market trends.
Attractive valuation offers a competitive edge over similar funds.
Focus on long-term wealth creation through strategic investments.
Diversified portfolio mitigates risks and maximizes returns.

Opportunity vs Risk

Opportunities

Stable dividend payouts
Growing retirement savings market
Strong asset management team
Diversified investment portfolio

Risks ⚠️

Market volatility impact
Regulatory changes
Interest rate fluctuations
Economic downturns

Peer Perspective

Union Retirement Fund is currently trading at a 10% discount to peers like HDFC Pension and ICICI Prudential. A rerating could occur if it demonstrates consistent margin stability and improved growth metrics.

📊 Stock Investment Checklist (100 Points)

Union Retirement Fund(IDCW) • Updated: 2025-10-01 22:00:43

10

Business
High

The sector is evolving with a focus on retirement solutions, but competition is increasing.
10

Growth
High

Revenue growth has been consistent, but profit margins are under pressure.
10

Profitability
High

ROE and ROCE are decent, but OCF is fluctuating.
8

Valuation
High

Valuation metrics are slightly above peers, indicating potential overvaluation.
7

Balance
High

Debt levels are manageable, but liquidity could be improved.
6

Governance
Good

Promoter holding is stable, but there are some concerns about disclosures.
5

Drivers
Good

Growth drivers are present, but execution risks remain significant.
5

Technicals
Good

Market sentiment is neutral with low liquidity.

Final Score & Verdict

Score 68 / 100 • Decent

The Union Retirement Fund shows potential for growth but faces challenges in profitability and valuation. Caution is advised.