Sharpe ratio
-0.36Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+1.12%1Y Absolute Return
-0.42%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 Gilt Fund - Direct Plan - Growth OptionFund 3Y annualised return · 5Y history unavailable | ₹8,22,325 | ₹7,32,612 | ₹89,713 | +4.82% |
| 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₹1.05
₹1 Lakh since launch₹1.05 Lakh
Fund age4.2 yrs
Fund information
Scheme code150407
ISININF582M01HW2
BenchmarkCRISIL Dynamic Gilt Index
CategoryDebt Scheme - Gilt Fund
Expense ratio0.66%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
95th / 139 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +18.95% | — | — |
| 3M | -9.29% | — | — |
| 6M | +4.35% | — | — |
| 1Y | +1.12% | — | +1.30% |
| 3Y | +4.82% | — | +3.90% |
| Since Launch | +5.05% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.52Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
5.43%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
0.78How 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%
Debt95.30%
Cash4.70%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
6 of 6 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| 7.71% GOI 18-May-2066 | Entities | GOI Securities | 35.23% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 33.58% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 20.99% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 5.5% |
| Net Receivables | Unspecified | Net Receivables | 2.42% |
| Repo | Unspecified | Repo | 2.28% |
Fund management
AN
Anindya Sarkar
Since 2022 · Prior to joining Union Asset Management Company Private Limited, he has worked with Sarcon Blockbuild Ltd, Navigators Inc., ICAP India Private Limited.
Mr. Sarkar is a BE Civil, MBA (Finance), MBA (Risk & Insurance), FRM
PA
Parijat Agrawal
Since 2022 · 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 moderate-risk debt scheme - gilt fund. Recovered from its worst fall in 3 months. Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Strengths
- Recovered from its worst fall in 3 months.
Weaknesses
- Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
- Ranks 95 of 139 in its category over 1 year.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 100% of the portfolio.
- Entities makes up 95% — trouble in that sector hits the whole fund.