Sharpe ratio
0.42Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+7.16%1Y Absolute Return
-0.40%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 Multi Asset Allocation Fund- Direct Plan - Growth OptionFund 1Y annualised return · 5Y history unavailable | ₹8,71,116 | ₹7,32,612 | ₹1,38,504 | +7.16% |
| 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₹1.11
₹1 Lakh since launch₹1.11 Lakh
Fund age2.2 yrs
Fund information
Scheme code152787
ISININF582M01JY4
BenchmarkCRISIL Multi Asset Index
CategoryHybrid Scheme - Multi Asset Allocation
Expense ratio1.30%
Exit loadExit load of 1%, if redeemed within 15 days.
Minimum SIP₹500 SIP
Return comparison
21st / 124 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +60.58% | — | — |
| 3M | -1.27% | — | — |
| 6M | +7.76% | — | — |
| 1Y | +7.16% | — | +3.20% |
| Since Launch | +10.82% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.59Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
13.41%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
0.87How 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%
Equity68.31%
Commodities13.50%
Debt9.29%
Cash7.66%
Hedged Equity1.24%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 90 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Union Gold ETF-Growth | Unspecified | Mutual Fund | 12.38% |
| Repo | Unspecified | Repo | 6.54% |
| HDFC Bank Ltd | Financial | Equity | 4.04% |
| ICICI Bank Ltd | Financial | Equity | 3.56% |
| State Bank of India | Financial | Equity | 3.09% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.69% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26E 7.10 BD 29MR29 FVRS1LAC | Financial | Bonds | 2.55% |
| POWER FINANCE CORPORATION LIMITED SR 241 7.30 BD 16OT34 FVRS1LAC | Financial | Debenture | 2.55% |
| CANARA BANK CD 11MAR27 | Financial | Certificate of Deposit | 2.44% |
| Bharti Airtel Ltd | Technology | Equity | 2.31% |
Fund management
SA
Sanjay Bembalkar
Since 2024 · 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.
VI
Vinod Malviya
Since 2024 · Prior to joining Union Mutual Fund, he was associated with Florintree Advisors Pvt. Ltd., East India Securities Ltd. and Amit Nalin Securities Pvt. Ltd.
Mr. Malviya has done Bachelors of Management Studies, Masters in Financial Management and CFA (Level-III cleared)
AN
Anindya Sarkar
Since 2024 · 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
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - multi asset allocation fund. Losses and swings stayed contained — worst fall -12.4%, volatility 13.4%.
Strengths
- Losses and swings stayed contained — worst fall -12.4%, volatility 13.4%.
- Well spread out — top 10 holdings are only 25% of the portfolio.
- Ranks 21 of 124 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 13.4% volatility.
Risk drivers
- None