Sharpe ratio
0.85Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+10.81%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 Multicap Fund - Direct Plan - Growth OptionFund 3Y annualised return · 5Y history unavailable | ₹10,88,317 | ₹7,32,612 | ₹3,55,705 | +15.84% |
| 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₹1.19
₹1 Lakh since launch₹1.19 Lakh
Fund age3.9 yrs
Fund information
Scheme code150858
ISININF582M01IO7
BenchmarkNifty 500 Multicap 50:25:25 TRI
CategoryEquity Scheme - Multi Cap Fund
Expense ratio1.43%
Exit loadExit load of 1%, if redeemed within 15 days
Minimum SIP₹500 SIP
Return comparison
20th / 124 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +97.98% | — | — |
| 3M | +5.95% | — | — |
| 6M | +25.49% | — | — |
| 1Y | +10.81% | — | +4.53% |
| 3Y | +15.84% | — | +12.88% |
| Since Launch | +18.62% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.17Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
15.38%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
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
0.94How 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%
Equity97.31%
Cash2.64%
Debt0.05%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 78 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 4.6% |
| ICICI Bank Ltd | Financial | Equity | 4.45% |
| Larsen & Toubro Ltd | Industrials | Equity | 3.55% |
| Repo | Unspecified | Repo | 3.11% |
| State Bank of India | Financial | Equity | 2.85% |
| Karur Vysya Bank Ltd | Financial | Equity | 2.26% |
| Data Patterns (India) Ltd | Industrials | Equity | 2.25% |
| Fortis Healthcare Ltd | Healthcare | Equity | 2.16% |
| Bharat Heavy Electricals Ltd | Industrials | Equity | 2.11% |
| S.J.S Enterprises Ltd | Consumer Discretionary | Equity | 2.11% |
Fund management
HA
Harshad Patwardhan
Since 2024 · Prior to joining Union AMC, he was associated with Edelweiss AMC,Girik Wealth Advisors,JPMorgan Asset Management India Private Limited since June 2006 as CIO-Equities. Prior to that Mr. Patwardhan worked for two years with Deutsche Equities India Private Limited as a senior research analyst and has had extensive experience with several foreign brokerage houses covering a variety of sectors.
Mr. Patwardhan is B.Tech from IIT, MBA from IIM and CFA.
SA
Sanjay Bembalkar
Since 2022 · 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.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk equity scheme - multi cap fund. Ahead of its category average over 3Y by 3.0 points.
Strengths
- Ahead of its category average over 3Y by 3.0 points.
- Losses and swings stayed contained — worst fall -19.8%, volatility 15.4%.
- Well spread out — top 10 holdings are only 28% of the portfolio.
- Ranks 20 of 124 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 15.4% volatility.
Risk drivers
- None