Sharpe ratio
-2.01Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.55%1Y Absolute Return
+0.03%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 Liquid Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,56,557 | ₹7,32,612 | ₹1,23,945 | +6.48% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119303
ISININF582M01674
BenchmarkCRISIL Liquid Debt A-I Index
CategoryDebt Scheme - Liquid Fund
Expense ratio0.07%
Exit loadExit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.
Minimum SIP₹500 SIP
Return comparison
29th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.88% | — | — |
| 3M | +6.32% | — | — |
| 6M | +6.63% | — | — |
| 1Y | +6.55% | — | -3.10% |
| 3Y | +6.93% | — | -0.91% |
| 5Y | +6.48% | — | -1.97% |
| 10Y | +5.73% | — | — |
| Since Launch | +6.54% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-2.12Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.16%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
1.98How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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
Portfolio112%
Debt112.28%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 76 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC BANK LIMITED CD 10SEP26 | Financial | Certificate of Deposit | 5.94% |
| 91 Days Tbill (MD 17/09/2026) | Financial | Treasury Bills | 4.83% |
| GOVERNMENT OF INDIA 37391 091 DAYS TBILL 23JL26 FV RS 100 | Financial | Treasury Bills | 3.75% |
| GOVERNMENT OF INDIA 37448 091 DAYS TBILL 20AG26 FV RS 100 | Financial | Treasury Bills | 3.73% |
| GOVERNMENT OF INDIA 37456 091 DAYS TBILL 28AG26 FV RS 100 | Financial | Treasury Bills | 3.73% |
| GOVERNMENT OF INDIA 37435 091 DAYS TBILL 13AG26 FV RS 100 | Financial | Treasury Bills | 2.99% |
| CANARA BANK CD 01SEP26 | Financial | Certificate of Deposit | 2.98% |
| INDIAN BANK CD 07SEP26 | Financial | Certificate of Deposit | 2.97% |
| CAN FIN HOMES LIMITED 91D CP 21AUG26 | Financial | Commercial Paper | 2.24% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED 91D CP 18AUG26 | Industrials | Commercial Paper | 2.24% |
Fund management
DE
Devesh Thacker
Since 2012 · Prior to joining Union AMC in 2011 he has worked with Sahara AMC.
Mr. Thacker is a B.Com (H) and Post graduate from University of Pune.
PA
Parijat Agrawal
Since 2021 · 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 low to moderate-risk debt scheme - liquid fund. Same fund manager for 14+ years — the strategy has not chopped and changed. Worst fall of -3.30% is larger than this category should typically see.
Strengths
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 29 of 360 in its category over 1 year.
Weaknesses
- Worst fall of -3.30% is larger than this category should typically see.
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None