Sharpe ratio
0.38Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.53%1Y Absolute Return
-0.34%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Union Balanced Advantage Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,93,564 | ₹7,32,612 | ₹1,60,952 | +8.18% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age8.9 yrs
Fund information
Scheme code142038
ISININF582M01DE9
BenchmarkNIFTY 50 Hybrid Composite Debt 50:50 Index
CategoryHybrid Scheme - Dynamic Asset Allocation or Balanced Advantage
Expense ratio1.46%
Exit loadExit load of 1%, if redeemed within 15 days.
Minimum SIP₹500 SIP
Return comparison
36th / 145 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +100.80% | — | — |
| 3M | +8.38% | — | — |
| 6M | +15.11% | — | — |
| 1Y | +3.53% | — | +0.31% |
| 3Y | +9.73% | — | +7.18% |
| 5Y | +8.18% | — | +6.13% |
| Since Launch | +9.92% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.53Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
10.15%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.42How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity65.38%
Debt22.64%
Cash8.29%
Hedged Equity3.69%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 110 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 7.08% |
| ICICI Bank Ltd | Financial | Equity | 3.8% |
| HDFC Bank Ltd | Financial | Equity | 3.79% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.77% |
| Cash Margin | Unspecified | Cash Margin | 3.69% |
| Bharti Airtel Ltd | Technology | Equity | 2.7% |
| State Bank of India | Financial | Equity | 2.45% |
| Bajaj Finance Ltd | Financial | Equity | 2.22% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 176 7.48 BD 16FB34 FVRS1LAC | Financial | Bonds | 2.04% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24H 7.62 BD 10MY29 FVRS1LAC | Financial | Debenture | 2.04% |
Fund management
VI
Vishal Thakker
Since 2025 · Prior joining to Union Mutual Fund he has worked with Elara Capital and Emkay Shares & Stock Broking.
Mr.Thakker has done B.Com & M.B.A
SA
Sanjay Bembalkar
Since 2023 · Prior to joining Union Mutual Fund, he has worked with Canara Robeco Asset Management Company Ltd, LIC Mutual Fund, Quantum Advisors Pvt. Ltd and Autonomous Research LLP
Mr. Bembalkar has done B.Com, M.Sc. (Accounting and Finance), ACA, CFA Charterholder.
GA
Gaurav Chopra
Since 2024 · Prior to joining Union Mutual Fund, he was associated with Centrum Portfolio Management Services- Centrum Broking Ltd., Barclays Wealth Trustees (India) Pvt. Ltd. and Sharp & Tanan Associates
Mr. Chopra has done B.Com, Chartered Accountant and CFA (Level III cleared)
PA
Parijat Agrawal
Since 2017 · Prior to joining Union Mutual Fund, he has worked with SBI Mutual Fund, State Bank of Mauritius ltd. and SUN F&C Asset Management.
Mr. Agrawal is a B.Tech and MBA from IIM Bangalore.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - dynamic asset allocation or balanced advantage fund. Ahead of its category average over 3Y by 2.5 points.
Strengths
- Ahead of its category average over 3Y by 2.5 points.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 25% of the portfolio.
- Same fund manager for 9+ years — the strategy has not chopped and changed.
- Ranks 36 of 145 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 10.2% volatility.
Risk drivers
- None