ICICI Prudential Retirement Fund Hybrid Aggressive Plan vs Union Retirement Fund
ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Union Retirement Fund are both Retirement Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +17.34% vs +13.54%, 5-year CAGR +13.93% vs —, volatility 13.84% vs 14.39%, maximum drawdown −28.71% vs −17.77%. Their portfolios overlap by 21.8% (19 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | Union Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹30.5700 | ₹17.3900 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 28 Feb 2019 | 29 Sep 2022 |
| Track record | 7.7 yrs | 4.1 yrs |
| Fund size (AUM) | ₹1,268 Cr | ₹207 Cr |
| Securities held | 84 | 80 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| 1 month | +0.86% | +3.57% |
| 3 months | −4.35% | −1.47% |
| 6 months | −0.49% | +2.11% |
| 1 year | +3.07% | +4.89% |
| 3 years (CAGR) | +17.34% | +13.54% |
| 5 years (CAGR) | +13.93% | — |
| 7 years (CAGR) | +16.24% | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +15.63% | +15.61% |
| SIP return (XIRR, 5 years) ⓘ | +14.49% | — |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| 2026 (year to date) | +0.56% | +3.02% |
| 2025 | +14.20% | +7.45% |
| 2024 | +22.73% | +18.75% |
| 2023 | +33.39% | +32.30% |
| 2022 | +1.94% | — |
| 2021 | +28.32% | — |
Risk
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| Volatility (annualised) ⓘ | 13.84% | 14.39% |
| Downside volatility ⓘ | 9.22% | 10.06% |
| Sharpe ratio ⓘ | 0.78 | 0.49 |
| Sortino ratio ⓘ | 1.18 | 0.70 |
| Maximum drawdown ⓘ | −28.71% | −17.77% |
| Recovery from that fall | 7 months | 8 months |
| Current fall from peak | −4.86% | −2.52% |
| Rolling 1-year return: worst | −23.22% | −5.01% |
| Rolling 1-year return: median | +13.73% | +10.97% |
| Rolling 1-year return: best | +67.98% | +45.97% |
| Share of 1-year periods with a loss | 7.88% | 3.40% |
Against each fund's benchmark
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| Beta ⓘ | 0.90 | 0.94 |
| Alpha (Jensen's, annualised) ⓘ | +7.18% | +3.45% |
| R² ⓘ | 86.00 | 90.35 |
| Upside capture | 114.53% | 105.72% |
| Downside capture | 77.16% | 87.27% |
| Tracking error | 5.58% | 4.63% |
| Information ratio | 1.39 | 0.78 |
| Treynor ratio | 10.86 | 5.96 |
Portfolio
Asset mix
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| Equity | 82.06% | 97.85% |
| Debt | 11.52% | 0.07% |
| Cash & equivalents | 5.72% | 2.08% |
| REITs / InvITs | 0.72% | 0.00% |
Market-cap split (share of fund assets)
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| Large Cap | 41.55% | 46.79% |
| Mid Cap | 20.87% | 20.48% |
| Small Cap | 19.63% | 30.58% |
| Unclassified | 0.00% | 0.00% |
Concentration
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| Top 10 holdings | 24.85% | 27.49% |
| Effective number of stocks ⓘ | 66.6 | 57.7 |
| Securities held | 84 | 80 |
Portfolio overlap: 21.8%
19 companies are held by both funds; by weight, 21.8% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement |
|---|---|---|
| HDFC Bank Limited | 2.29% | 4.29% |
| Reliance Industries Limited | 1.81% | 2.10% |
| Multi Commodity Exchange of India Limited | 1.77% | 2.72% |
| Axis Bank Limited | 1.59% | 2.08% |
| Titan Company Limited | 2.32% | 1.55% |
| Kirloskar Oil Engines Limited | 1.96% | 1.53% |
| Mphasis Ltd. | 1.37% | 1.34% |
| Nippon Life India Asset Management Limited | 1.38% | 1.30% |
| Hyundai Motor India Ltd. | 1.37% | 1.28% |
| State Bank of India | 1.19% | 1.77% |
| Tata Motors Ltd | 1.47% | 0.92% |
| Amber Enterprises India Limited | 0.97% | 0.84% |
| CG Power and Industrial Solutions Limited | 0.93% | 0.83% |
| TVS Motor Company Ltd. | 1.12% | 0.80% |
| Apollo Hospitals Enterprise Limited | 1.45% | 0.79% |
Top 10 holdings
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
- Life Insurance Corporation Of India4.38%
- 6.94% Government of India (11/05/2036)2.82%
- Mahindra & Mahindra Limited2.39%
- Vedanta Ltd.2.39%
- Titan Company Limited2.32%
- HDFC Bank Limited2.29%
- Samvardhana Motherson International Limited2.27%
- Indegene Limited2.08%
- Kirloskar Oil Engines Limited1.96%
- Bharat Petroleum Corporation Ltd.1.95%
Union Retirement
- ICICI Bank Limited5.76%
- HDFC Bank Limited4.29%
- Multi Commodity Exchange of India Limited2.72%
- Solar Industries India Limited2.53%
- Eternal Limited2.17%
- Reliance Industries Limited2.10%
- Axis Bank Limited2.08%
- Navin Fluorine International Limited2.00%
- S.J.S. Enterprises Limited1.97%
- Azad Engineering Ltd1.87%
Sector exposure
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Union Retirement | |
|---|---|---|
| Banks | 5.07% | 17.03% |
| Industrial Products | 7.45% | 3.19% |
| Capital Markets | 5.97% | 6.79% |
| Retailing | 6.25% | 4.67% |
| Electrical Equipment | 1.94% | 6.25% |
| Chemicals & Petrochemicals | 1.04% | 5.77% |
| Auto Components | 2.27% | 5.73% |
| Consumer Durables | 5.16% | 5.61% |
| Automobiles | 5.49% | 3.59% |
| Sovereign | 4.91% | 0.04% |
| Healthcare Services | 4.60% | 2.38% |
| Ferrous Metals | 4.47% | 1.00% |
| IT - Software | 2.70% | 4.46% |
| Insurance | 4.38% | 1.16% |
Questions people ask
What is the difference between ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Union Retirement returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +3.07% vs +4.89%; 3-year CAGR +17.34% vs +13.54%; 5-year CAGR +13.93% vs —; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Union Retirement compare on risk?
Volatility (36 monthly returns, annualised) 13.84% vs 14.39%; Sharpe ratio 0.78 vs 0.49; Sortino ratio 1.18 vs 0.70; maximum drawdown −28.71% vs −17.77%; beta 0.90 vs 0.94.
How much do ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Union Retirement overlap?
By weight, 21.8% of the two portfolios is invested in the same companies; 19 stocks are held by both, the largest shared positions being HDFC Bank Limited, Reliance Industries Limited, Multi Commodity Exchange of India Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Union Retirement?
ICICI Prudential Retirement Fund Hybrid Aggressive Plan: large cap 41.6%, mid cap 20.9%, small cap 19.6%. Union Retirement: large cap 46.8%, mid cap 20.5%, small cap 30.6% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.