Sharpe ratio
0.23Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.10%1Y Absolute Return
-0.16%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 Equity Savings Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,51,915 | ₹7,32,612 | ₹1,19,303 | +6.26% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age8.2 yrs
Fund information
Scheme code144312
ISININF582M01EC1
BenchmarkCRISIL Equity Saving
CategoryHybrid Scheme - Equity Savings
Expense ratio2.07%
Exit loadExit load of 1%, if redeemed within 15 days.
Minimum SIP₹500 SIP
Return comparison
26th / 131 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +43.32% | — | — |
| 3M | +5.14% | — | — |
| 6M | +9.88% | — | — |
| 1Y | +4.10% | — | +1.29% |
| 3Y | +7.47% | — | +5.55% |
| 5Y | +6.26% | — | +4.44% |
| Since Launch | +7.74% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.32Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
5.41%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
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
0.54How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative 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%
Equity38.63%
Hedged Equity28.43%
Debt22.77%
Cash10.17%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 108 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 28.43% |
| Repo | Unspecified | Repo | 7.38% |
| POWER FINANCE CORPORATION LIMITED SR 247A 7.44 BD 15JN30 FVRS1LAC | Financial | Bonds | 7.14% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26C 7.27 BD 23FB29 FVRS1LAC | Financial | Debenture | 7.08% |
| HDFC Bank Ltd | Financial | Equity | 3.84% |
| Bajaj Finance Ltd | Financial | Equity | 3.68% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 186 7.25 BD 17JN35 FVRS1LAC | Financial | Bonds | 3.52% |
| Indus Towers Ltd | Technology | Equity | 3.11% |
| GOVERNMENT OF INDIA 37448 091 DAYS TBILL 20AG26 FV RS 100 | Financial | Treasury Bills | 2.81% |
| ICICI Bank Ltd | Financial | Equity | 2.79% |
Fund management
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.
PA
Parijat Agrawal
Since 2018 · 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.
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)
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk hybrid scheme - equity savings fund. Ahead of its category average over 3Y by 1.9 points. Has fallen sharply before — down -14.4% at its worst.
Strengths
- Ahead of its category average over 3Y by 1.9 points.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 27% of the portfolio.
- Same fund manager for 8+ years — the strategy has not chopped and changed.
- Ranks 26 of 131 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -14.4% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None