Union Equity Savings Fund
Union Mutual Fund · Equity Savings · Direct plan, growth option
NAV (₹), 23 Oct 2026
17.7700
1-day change
-0.34%
1Y return
-0.1%
3Y CAGR
6.3%
5Y CAGR
5.4%
Max drawdown, 5Y
−5.8%
NAV history month-end NAV, ₹ · 17 Aug 2018 to 23 Oct 2026
Returns vs Equity Savings median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -2.6% | -1.8% |
| 3 months | -1.6% | -1.0% |
| 6 months | -0.1% | 0.4% |
| Year to date | -0.6% | 0.2% |
| 1 year | -0.1% | 1.3% |
| 3 years (CAGR) | 6.3% | 8.0% |
| 5 years (CAGR) | 5.4% | 7.3% |
| 7 years (CAGR) | 7.3% | 8.8% |
| 10 years (CAGR) | n/a | 8.0% |
| Since first NAV (CAGR) | 7.2% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.4% | 8.7% |
| 3Y rolling median | 8.4% | 10.0% |
| 3Y rolling worst | 6.3% | 2.6% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 8.7% | 9.8% |
| 5Y rolling worst | 5.4% | 6.4% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 5.1% | 5.2% |
| Sharpe ratio | -0.04 | 0.29 |
| Sortino ratio | -0.05 | 0.40 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −14.4% | −16.4% |
| Maximum drawdown, last 10Y | n/a | −17.7% |
| Maximum drawdown, last 5Y | −5.8% | −5.8% |
| Current drawdown | −3.1% | −2.7% |
| Recovery time of worst fall | 112 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
22,600.00 −0.39%
NSE close, 23 Oct 2026
- P/E 19.1: higher than 1% of days since 2015 (median 23.1)
- 1Y −12.0% · 3Y +6.3% p.a. · 5Y +5.4% p.a. (index fund NAV, after costs)
- −14.2% from its 52-week high
7.06%
1 Sep 2026 · +0.48 pp in a year · 5Y average 6.92%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.60% a year and the Direct plan's 2.11%, a gap of 0.49%; over the last 3 years the Direct plan returned 0.52 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹10,04,584.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER increased from 2.10% to 2.11% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Sanjay Bembalkar | comanage | 25 Jan 2023 |
| Gaurav Chopra | comanage | 1 Nov 2024 |
| Parijat Agrawal | comanage | 9 Aug 2018 |
Objective: To seek capital appreciation and/or to generate consistent returns by actively investing in a combination of diversified equity and equity related instruments, arbitrage and derivative strategies and exposure in debt and money market instruments. However, there is no assurance that the Investment Objective of the scheme will be achieved.
Stated asset allocation: A. Equities, equity related instruments and derivatives including index futures, stock futures, index options, & stock options, etc. as partly hedged /arbitrage exposure#: 65% - 90%; A1. Equity & Equity Related instruments (unhedged)^: 15% - 40%; A2. Equity & Equity Related instruments (hedged)^: 25% - 75%; B. Debt, Money Market Instruments and other assets as permitted by SEBI: 10% - 35%; C. Units Issued by InvITs: 0% - 10%. # Minimum Hedged (arbitrage position) exposure would be 25%. ^Unhedged equity exposure means exposure to equity shares alone without a corresponding equity derivative exposure. Investments in Derivatives – upto 75% of the net assets of the scheme. Please re…
Benchmark (tier 1): CRISIL Equity Savings Index (TRI)# #CRISIL Benchmark Disclaimer: CRISIL Indices are the sole property of CRISIL Limited (CRISIL). CRISIL Indices shall not be copied, transmitted or distributed in any manner for any commercial use. CRISIL has taken due care and caution in computation of the Indices, based on the data obtained from sources, which it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or completeness of the Indices and is not responsible for any errors or for the results obtained from the use of the Indices. CRISIL especially states that it has no financial liability whatsoever to the users of CRISIL Indices.
Exit load: 1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter
Minimum application: ₹1,000
Allotment date: 9 Aug 2018
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 2.11% | 1.24% |
| AUM, whole scheme (₹ crore) | 112 | 764 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 22 Oct 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 0.2% | 0.7% TRI |
| Return, 3 years (AMFI) | 6.2% | 7.5% TRI |
| Return, 5 years (AMFI) | 5.5% | 6.9% TRI |
| Month-ends above category median (3Y CAGR) | 2% | 49% median |
| Month-ends in category top quartile (3Y) | 0% | 26% median |
| 7Y rolling CAGR, median (monthly windows) | 8.1% | 9.3% median |
Official benchmark: CRISIL Equity Savings Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Equity Savings Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -0.6% | n/a | – |
| 2025 | 5.5% | n/a | – |
| 2024 | 8.9% | n/a | – |
| 2023 | 12.0% | n/a | – |
| 2022 | 2.4% | n/a | – |
| 2021 | 9.4% | n/a | – |
| 2020 | 11.6% | n/a | – |
| 2019 | 8.9% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 23 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,19,590 | -0.6% |
| 3 years | ₹3,60,000 | ₹3,78,923 | 3.2% |
| 5 years | ₹6,00,000 | ₹6,88,871 | 5.3% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: Union Mutual Fund
Category: Equity Savings
Plan / option: Direct · Growth
AMFI scheme code: 144312
ISIN: INF582M01EC1
First NAV in MFIC data: 17 Aug 2018
History: 8.2 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Union Balanced Advantage Fund | Balanced Advantage | 0.98 | 7.0% |
| Mirae Asset Balanced Advantage Fund | Balanced Advantage | 0.98 | 9.5% |
| Union Aggressive Hybrid Fund | Aggressive Hybrid | 0.97 | 9.4% |
| Franklin India Balanced Advantage Fund | Balanced Advantage | 0.97 | 8.3% |
| Mirae Asset Equity Savings Fund | Equity Savings | 0.97 | 9.6% |
| Nippon India Balanced Advantage Fund | Balanced Advantage | 0.97 | 9.6% |
Questions about Union Equity Savings Fund
- What is the latest NAV of Union Equity Savings Fund?
- The NAV of the Direct plan (growth option) was ₹17.7700 on 23 Oct 2026, as published by AMFI.
- Which category is Union Equity Savings Fund in?
- It is classified as Equity Savings in AMFI's daily NAV file. MFIC compares it with 24 Equity Savings schemes (Direct plans).
- What returns has Union Equity Savings Fund delivered?
- Over one year the NAV changed by -0.1%. The 3-year CAGR is 6.3% (category median 8.0%) and the 5-year CAGR is 5.4% (category median 7.3%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 8.4%, the lowest was 6.3%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Union Equity Savings Fund's NAV?
- The largest peak-to-trough fall in its available history was 14.4%; within the last five years it was 5.8% (category median 5.8%).
- How volatile is Union Equity Savings Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 5.1%, which is below the Equity Savings category median of 5.2%.
- What would a monthly SIP in Union Equity Savings Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,88,871 on 23 Oct 2026, an annualised return (XIRR) of 5.3%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Union Equity Savings Fund?
- The total expense ratio of the Direct plan is 2.11% a year, as disclosed to AMFI (median of Equity Savings Direct plans: 1.24%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Union Equity Savings Fund?
- Assets under management of the whole scheme were ₹112 crore on 22 Oct 2026, as published by AMFI.
- What is the riskometer level of Union Equity Savings Fund?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Union Equity Savings Fund and how has it compared?
- Its official benchmark is the CRISIL Equity Savings Index. Over 3 years AMFI reports a return of 6.2% for this plan against 7.5% for the benchmark total return index; over 5 years 5.5% against 6.9%. Past performance does not indicate future results.
- How often has Union Equity Savings Fund beaten its category?
- At 2% of the 62 month-ends compared over the last 10 years, its 3-year return was above the median of Equity Savings schemes (Direct plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- Who manages Union Equity Savings Fund?
- According to its Scheme Summary Document, Union Equity Savings Fund is managed by Sanjay Bembalkar (since 25 Jan 2023), Gaurav Chopra (since 1 Nov 2024), Parijat Agrawal (since 9 Aug 2018).
- What is the exit load of Union Equity Savings Fund?
- As stated in its scheme documents: 1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Union Equity Savings Fund?
- The minimum application amount is ₹1,000. SIP details: SIP - Rs. 100 for daily SIP, Rs. 500 for weekly SIP, Rs. 500 for fortnightly SIP, Rs. 500 for monthly SIP, STP - Rs. 100 for all frequenciesSWP - Rs. 500 for all frequencies.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -0.1% and the Regular plan's by -0.5%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 23 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.