Union Retirement Fund(IDCW)
Ticker: mf17059
Decent
68/100
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U
Union Money Market Fund(M-IDCW)
The fund shows decent potential but lacks strong growth drivers and has some risks associated with profitability and governance.
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U
Union Money Market Fund(M-IDCW Reinvest)
The fund shows decent stability and growth potential, but lacks significant competitive advantages.
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I
Invesco India Medium Duration Fund(Q-IDCW)
The fund shows decent potential but faces challenges in consistency and growth drivers.
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I
Invesco India Medium Duration Fund(IDCW)
The fund shows decent potential with consistent growth and profitability metrics, but caution is advised due to valuation concerns and execution risks.
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H
HSBC Dynamic Bond Fund(A-IDCW Payout)
The fund shows decent potential but is hindered by inconsistent growth and valuation concerns.
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H
HSBC Dynamic Bond Fund(M-IDCW Payout)
The fund shows moderate potential but faces challenges in growth and profitability metrics.
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H
HSBC Dynamic Bond Fund(A-IDCW)
The fund shows decent potential but lacks strong growth drivers and has some risks associated with cash flow and governance.
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H
HSBC Dynamic Bond Fund(M-IDCW)
The fund shows decent potential but faces challenges in profitability and growth drivers.
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I
ITI Ultra Short Duration Fund(A-IDCW)
The fund shows potential but faces challenges in growth consistency and profitability metrics. Caution is advised for new investors.
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I
ITI Ultra Short Duration Fund(M-IDCW)
The fund shows several weaknesses in growth and profitability metrics, indicating a risky investment.
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I
ITI Ultra Short Duration Fund(DD-IDCW)
The fund shows potential but carries significant risks due to inconsistent growth and profitability metrics.
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S
SBI FMP-76-1221D(IDCW)
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
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I
Invesco India Banking and PSU Fund(M-IDCW)
The fund shows potential in the banking and PSU sectors but faces challenges in profitability and valuation metrics.
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I
Invesco India Banking and PSU Fund(DD-IDCW)
The fund operates in a stable sector with moderate growth potential, but faces challenges in consistency and valuation.
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E
Edelweiss Government Securities Fund(A-IDCW)
The fund shows potential but is hindered by inconsistent growth and profitability metrics, making it a risky investment.
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E
Edelweiss Government Securities Fund(M-IDCW)
The fund shows potential but carries significant risks due to market volatility and governance concerns.
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Business Overview
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
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10BusinessHighThe sector is evolving with a focus on retirement solutions, but competition is increasing.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are some concerns about disclosures.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket 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.