Union Balanced Advantage Fund

Union Mutual Fund

Hybrid › Balanced Advantage Direct plan Growth SEBI riskometer: Very High

40/100

Average · Tradinity score

₹21.7700

-0.1000 (-0.46%)

NAV on 1 Oct 2026

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NAV history

Returns as of 1 Oct 2026

Up to one year: absolute. Longer: annualised. Category = median of Balanced Advantage direct-plan Growth funds.

Period	This fund	Category median	Rank in category
1 month	-3.54%	-3.75%	—
3 months	-2.38%	-2.38%	—
6 months	+4.51%	+4.52%	—
1 year	-0.37%	+0.36%	#23 of 36 Top 64%
3 years	+7.57%	+8.79%	#21 of 30 Top 70%
5 years	+7.21%	+8.39%	#16 of 20 Top 80%
10 years	—	+9.72%	—
Since launch of NAV data	+9.28%	—	—

NAV high and low

Window	High	Low
1 month	22.5800	21.7700
3 months	22.7400	21.7700
6 months	22.7400	20.8000
1 year	22.7400	20.6000

A period is a dash when the fund has not existed that long or its NAV history has a hole at the start date — never a partial figure.

Calendar-year returns

	2020	2021	2022	2023	2024	2025	YTD
This fund	+22.72%	+10.65%	+3.94%	+16.97%	+11.26%	+7.02%	-2.86%
Category median	+14.82%	+15.64%	+4.30%	+19.44%	+14.28%	+7.02%	-2.38%

Tradinity fund score

Twenty checks of five points each: performance, portfolio, operations, and risk against reward. Only checks we have data for are counted.

40/100

Average · based on 15 of 20 checks

Performance0/15

✗ Ranks in the top quarter of its category over 1 year
✗ Ranks in the top quarter of its category over 3 years
✗ Ranks in the top quarter of its category over 5 years
– Loses less than its reference index on the index's down days
– Keeps pace with its reference index on the index's up days

Portfolio20/20

✓ Largest holding is 10% of the fund or less (largest holding 4.5%)
✓ Top ten holdings are 50% of the fund or less (top ten 37.3%)
✓ Holds at least 20 stocks (187 holdings)
✓ No single sector is more than 35% of the fund (diversified equity categories) (largest sector Private Banks 13.3%)
– Portfolio P/E is at or below the category median

Operations5/20

✓ Has a track record of at least 5 years (8.7 years of NAV history)
✗ Has a track record of at least 10 years
✗ Expense ratio is at or below the category median (expense ratio 1.47%)
✗ Fund size is above the category median (AUM Rs 58 crore)
– Lead manager has run the fund for 3 years or more (manager start date not on record)

Risk and reward5/20

✗ Sharpe ratio is at or above the category median
✗ Sortino ratio is at or above the category median
✗ Volatility is at or below the category median
✓ Worst 3-year fall is no deeper than the category median
– Jensen's alpha is positive

Risk and return ratios 3-year window

Risk-free rate 6.06% (3-year annualised return of the NSE 1-day (overnight) rate index). This category has no reference index in our data, so benchmark-relative ratios are not shown.

Ratio	This fund	Category median	Against category
Sharpe ratio	0.18	0.37	Worse
Sortino ratio	0.24	0.50	Worse
Standard deviation	8.61%	8.38%	Worse
Maximum drawdown	-8.93%	-9.26%	Better
Beta	—	—	—
R-squared	—	—	—
Jensen's alpha	—	—	—
Treynor ratio	—	—	—
Information ratio	—	—	—
Upside capture	—	—	—
Downside capture	—	—	—

SIP returns (monthly instalments, XIRR)

1 year

-2.80%

3 years

+2.92%

5 years

+6.47%

What if you had invested?

Computed from this fund's actual NAVs. A SIP buys at the first NAV of each month and is valued at the latest NAV. Past returns do not guarantee future ones.

Portfolio as of 31 Aug 2026

Weights are % of the scheme's assets from the latest month-end disclosure available to Tradinity. The feed carries weights only: no quantities or rupee values.

Holdings

187

Top 5 / top 10

21.9% / 37.3%

Largest holding

4.5%

Mapped to Tradinity companies

80%

Portfolio P/E

—

category median 35.8

Portfolio ROE

14.7%

category median 15.3%

Portfolio dividend yield

—

Largest sector

Private Banks 13.3%

Valuation ratios are weighted over the holdings we can match to a company (harmonic mean for P/E) and are withheld when they cover under half the portfolio.

Asset allocation

Equity	74.37%
Corporate Debt	15.74%
Cash & Equivalents	4.54%
Certificate of Deposit	4.05%
Treasury Bills	1.28%
Pref Shares	0.02%

Sector allocation

Click a sector to filter the holdings below (holdings map to our sector list where the company is known).

Holdings

Export CSV

Holding	Sector	Weight	3M change	P/E
TREPS	—	4.51%	—	—
TREPS	—	4.51%	-2.58 pp	—
HDFC Bank Limited	Financial Services	4.46%	0.67 pp	—
HDFC Bank Ltd.	Financial Services	4.46%	—	—
ICICI Bank Ltd.	Financial Services	4.01%	—	—
ICICI Bank Limited	Financial Services	4.01%	0.21 pp	—
Reliance Industries Ltd.	Oil, Gas & Consumable Fuels	2.86%	—	40.9
Reliance Industries Ltd	Oil, Gas & Consumable Fuels	2.86%	-0.91 pp	40.9
Bharti Airtel Ltd.	Telecommunication	2.79%	—	68.2
Bharti Airtel Ltd	Telecommunication	2.79%	0.09 pp	68.2
State Bank of India	Financial Services	2.08%	-0.36 pp	—
State Bank of India	Financial Services	2.08%	—	—
Small Industries Development Bank of India**	—	1.99%	-0.04 pp	—
Axis Bank Limited	Financial Services	1.99%	0.55 pp	—
Axis Bank Ltd.	Financial Services	1.99%	—	—
Small Industries Development Bank of India**	—	1.99%	—	—
Power Grid Corporation of India Ltd.	—	1.96%	-0.04 pp	—
Punjab National Bank**	—	1.95%	—	—
Punjab National Bank**	—	1.95%	0.02 pp	—
Gabriel India Ltd.	Automobile and Auto Components	1.80%	—	75.2
Gabriel India Ltd	Automobile and Auto Components	1.80%	0.24 pp	75.2
Bajaj Finance Ltd	Financial Services	1.76%	-0.46 pp	—
Bajaj Finance Ltd.	Financial Services	1.76%	—	—
Indian Railway Finance Corporation Ltd.	—	1.62%	-0.04 pp	—
Larsen & Toubro Ltd.	Construction	1.54%	—	71.1
Larsen and Toubro Ltd	Construction	1.54%	-0.04 pp	71.1
Shriram Finance Limited	Financial Services	1.50%	0.66 pp	—
Shriram Finance Ltd.	Financial Services	1.50%	—	—
Infosys Ltd.	Information Technology	1.39%	—	13.8
Infosys Limited	Information Technology	1.39%	0.30 pp	13.8
Eternal Ltd.	Consumer Services	1.37%	—	111.0
Eternal Limited	Consumer Services	1.37%	-0.08 pp	111.0
Canara Bank	—	1.32%	0.01 pp	—
Canara Bank**	—	1.32%	—	—
91 Day Treasury Bills	—	1.28%	1.28 pp	—
91 Day Treasury Bills	—	1.28%	—	—
Maruti Suzuki India Ltd.	Automobile and Auto Components	1.28%	—	25.8
Maruti Suzuki India Ltd	Automobile and Auto Components	1.28%	-0.06 pp	25.8
Kotak Mahindra Bank Ltd	Financial Services	1.20%	0.07 pp	—
Kotak Mahindra Bank Ltd.	Financial Services	1.20%	—	—
National Bank for Agriculture and Rural Development**	—	1.20%	—	—
Power Grid Corporation of India Ltd.**	—	1.20%	—	—
National Bank for Agriculture and Rural Development	—	1.20%	-0.02 pp	—
Power Grid Corporation of India Ltd.**	—	1.20%	-0.03 pp	—
Clean Max Enviro Energy Solutions Ltd	Power	1.14%	0.11 pp	—
Clean Max Enviro Energy Solutions Ltd.	Power	1.14%	—	—
Ather Energy Ltd.	Automobile and Auto Components	1.11%	—	—
Ather Energy Ltd	Automobile and Auto Components	1.11%	1.11 pp	—
RBL Bank Ltd	Financial Services	1.10%	1.10 pp	—
RBL Bank Ltd.	Financial Services	1.10%	—	—
Engineers India Ltd.	Construction	1.06%	—	25.6
Engineers India Ltd	Construction	1.06%	0.37 pp	25.6
Dr. Lal PathLabs Ltd	Healthcare	1.01%	0.38 pp	38.4
Dr. Lal Path labs Ltd.	Healthcare	1.01%	—	38.4
Tata Consumer Products Ltd	Fast Moving Consumer Goods	0.99%	-0.04 pp	57.7
Tata Consumer Products Ltd.	Fast Moving Consumer Goods	0.99%	—	57.7
Cummins India Ltd.	Capital Goods	0.97%	—	58.7
Cummins India Ltd	Capital Goods	0.97%	-0.11 pp	58.7
One 97 Communications Ltd	Financial Services	0.95%	0.32 pp	580.7
One 97 Communications Ltd.	Financial Services	0.95%	—	580.7
Billionbrains Garage Ventures Ltd.	Financial Services	0.93%	—	60.9
PNB Housing Finance Ltd.	Financial Services	0.93%	—	—
Billionbrains Garage Ventures Ltd	Financial Services	0.93%	0.93 pp	60.9
PNB Housing Finance Ltd	Financial Services	0.93%	0.93 pp	—
Multi Commodity Exchange of India Limited	Financial Services	0.91%	0.91 pp	35.2
Multi Commodity Exchange of India Ltd.	Financial Services	0.91%	—	35.2
Sai Life Sciences Ltd.	Healthcare	0.91%	—	89.9
Sai Life Sciences Limited	Healthcare	0.91%	0.14 pp	89.9
Bharat Heavy Electricals Ltd.	Capital Goods	0.86%	—	61.8
ZF Commercial Vehicle Control Systems India Ltd.	Automobile and Auto Components	0.86%	—	10.4
Bharat Heavy Electricals Ltd	Capital Goods	0.86%	0.26 pp	61.8
ZF Commercial Vehicle Control Systems India Ltd	Automobile and Auto Components	0.86%	-0.01 pp	10.4
Torrent Pharmaceuticals Ltd	Healthcare	0.83%	0.07 pp	77.7
IPCA Laboratories Ltd.	Healthcare	0.83%	—	39.8
Torrent Pharmaceuticals Ltd.	Healthcare	0.83%	—	77.7
IPCA Laboratories Ltd	Healthcare	0.83%	0.37 pp	39.8
REC Ltd.**	—	0.81%	—	—
REC Ltd.	—	0.81%	-0.02 pp	—
Power Finance Corporation Ltd.**	—	0.80%	—	—
Indian Railway Finance Corporation Ltd.**	—	0.79%	—	—
Indian Railway Finance Corporation Ltd.**	—	0.79%	-0.02 pp	—
Sun Pharmaceutical Industries Ltd	Healthcare	0.78%	0.44 pp	143.5
Ajanta Pharma Limited	Healthcare	0.78%	0.04 pp	43.2
Ajanta Pharma Ltd.	Healthcare	0.78%	—	43.2
Bank of Baroda**	—	0.78%	—	—
Nippon Life India Asset Management Ltd.	Financial Services	0.78%	—	—
Sun Pharmaceutical Industries Ltd.	Healthcare	0.78%	—	143.5
Nippon Life India Asset Management Ltd	Financial Services	0.78%	-0.39 pp	—
Bank of Baroda	—	0.78%	0.01 pp	—
The Phoenix Mills Ltd.	Realty	0.77%	—	237.4
The Phoenix Mills Limited	Realty	0.77%	-0.02 pp	237.4
Max Financial Services Ltd.	Financial Services	0.76%	—	—
Shadowfax Technologies Ltd.	Services	0.76%	—	—
Shadowfax Technologies Limited	Services	0.76%	0.09 pp	—
Max Financial Services Ltd	Financial Services	0.76%	-0.19 pp	—
JSW Infrastructure Limited	Services	0.75%	0.04 pp	366.7
JSW Infrastructure Ltd.	Services	0.75%	—	366.7
Bharat Electronics Ltd	Capital Goods	0.74%	-0.29 pp	46.0
Bharat Electronics Ltd.	Capital Goods	0.74%	—	46.0
Hindustan Unilever Ltd.	Fast Moving Consumer Goods	0.74%	—	39.8
Hindustan Unilever Ltd	Fast Moving Consumer Goods	0.74%	-0.06 pp	39.8
360 One Wam Ltd	Financial Services	0.73%	0.73 pp	—
360 ONE WAM Ltd.	Financial Services	0.73%	—	—
Dhoot Transmission Ltd.	Automobile and Auto Components	0.73%	—	—
Dhoot Transmission Ltd	Automobile and Auto Components	0.73%	0.73 pp	—
Aditya Birla Capital Ltd	Financial Services	0.72%	0.72 pp	—
Aditya Birla Capital Ltd.	Financial Services	0.72%	—	—
Cemindia Projects Ltd	Construction	0.71%	-0.22 pp	33.4
Cemindia Projects Ltd.	Construction	0.71%	—	33.4
Manipal Health Enterprises Limited	Healthcare	0.70%	0.70 pp	—
Tata Motors Ltd	Capital Goods	0.70%	0.07 pp	45.3
KRN Heat Exchanger and Refrigeration Ltd	Capital Goods	0.70%	0.70 pp	117.0
Aarti Industries Ltd.	Chemicals	0.70%	—	32.6
CG Power and Industrial Solutions Ltd.	Capital Goods	0.70%	—	99.7
KRN Heat Exchanger and Refrigeration Ltd.	Capital Goods	0.70%	—	117.0
Manipal Health Enterprises Ltd	Healthcare	0.70%	—	—
Pidilite Industries Ltd.	Chemicals	0.70%	—	59.0
Shiprocket Ltd.	Services	0.70%	—	—
Tata Motors Ltd.	Capital Goods	0.70%	—	45.3
Shiprocket Ltd	Services	0.70%	0.70 pp	—
CG Power and Industrial Solutions Limited	Capital Goods	0.70%	-0.03 pp	99.7
Aarti Industries Ltd	Chemicals	0.70%	0.09 pp	32.6
Pidilite Industries Ltd	Chemicals	0.70%	0.04 pp	59.0
Swiggy Limited	Consumer Services	0.68%	0.68 pp	—
JSW Energy Ltd	Power	0.68%	-0.36 pp	97.8
JSW Energy Ltd.	Power	0.68%	—	97.8
Swiggy Ltd.	Consumer Services	0.68%	—	—
Divi's Laboratories Ltd	Healthcare	0.66%	0.66 pp	83.0
Divi's Laboratories Ltd.	Healthcare	0.66%	—	83.0
Ultratech Cement Ltd.	Construction Materials	0.66%	—	42.2
UltraTech Cement Ltd	Construction Materials	0.66%	0.01 pp	42.2
Godrej Properties Ltd	Realty	0.65%	0.39 pp	136.4
Godrej Properties Ltd.	Realty	0.65%	—	136.4
Jindal Steel Ltd	Metals & Mining	0.64%	0.23 pp	44.0
Inventurus Knowledge Solutions Ltd	Information Technology	0.64%	0.02 pp	48.0
Inventurus Knowledge Solutions Ltd.	Information Technology	0.64%	—	48.0
Jindal Steel Ltd.	Metals & Mining	0.64%	—	44.0
Solar Industries India Ltd	Chemicals	0.63%	-0.43 pp	136.0
Solar Industries India Ltd.	Chemicals	0.63%	—	136.0
GE Vernova T&D India Ltd.	Capital Goods	0.61%	—	83.3
GE Vernova T&D India Ltd	Capital Goods	0.61%	0.04 pp	83.3
Sona BLW Precision Forgings Ltd	Automobile and Auto Components	0.60%	0.60 pp	66.4
Sona Blw Precision Forgings Ltd.	Automobile and Auto Components	0.60%	—	66.4
Apar Industries Ltd	Capital Goods	0.56%	0.06 pp	62.2
Apar Industries Ltd.	Capital Goods	0.56%	—	62.2
Ujjivan Small Finance Bank Ltd.	Financial Services	0.56%	—	—
Ujjivan Small Finance Bank Ltd	Financial Services	0.56%	0.08 pp	—
Gokaldas Exports Limited	Textiles	0.55%	-0.07 pp	21.9
Delhivery Limited	Services	0.55%	0.55 pp	101.6
Delhivery Ltd.	Services	0.55%	—	101.6
Gokaldas Exports Ltd.	Textiles	0.55%	—	21.9
Titan Company Ltd	Consumer Durables	0.54%	0.54 pp	76.3
Titan Company Ltd.	Consumer Durables	0.54%	—	76.3
Mphasis Ltd	Information Technology	0.51%	0.05 pp	28.0
Doms Industries Ltd.	Fast Moving Consumer Goods	0.51%	—	61.0
Mphasis Ltd.	Information Technology	0.51%	—	28.0
Doms Industries Ltd	Fast Moving Consumer Goods	0.51%	-0.21 pp	61.0
HCL Technologies Ltd	Information Technology	0.46%	0.08 pp	27.7
HCL Technologies Ltd.	Information Technology	0.46%	—	27.7
FSN E-Commerce Ventures Limited	Consumer Services	0.45%	0.05 pp	1,170.9
FSN E-Commerce Ventures Ltd.	Consumer Services	0.45%	—	1,170.9
Varun Beverages Ltd.	Fast Moving Consumer Goods	0.45%	—	50.4
Varun Beverages Limited	Fast Moving Consumer Goods	0.45%	-0.12 pp	50.4
Amber Enterprises India Ltd.	Consumer Durables	0.42%	—	161.5
Amber Enterprises India Ltd	Consumer Durables	0.42%	0.00 pp	161.5
Oil & Natural Gas Corporation Ltd.	Oil, Gas & Consumable Fuels	0.40%	—	6.8
Oil and Natural Gas Corporation Ltd	Oil, Gas & Consumable Fuels	0.40%	-0.01 pp	6.8
GlaxoSmithKline Pharmaceuticals Ltd	Healthcare	0.37%	0.37 pp	43.8
Glaxosmithkline Pharmaceuticals Ltd.	Healthcare	0.37%	—	43.8
Oil India Ltd	Oil, Gas & Consumable Fuels	0.35%	0.05 pp	11.2
Oil India Ltd.	Oil, Gas & Consumable Fuels	0.35%	—	11.2
Trent Ltd.	Consumer Services	0.32%	—	48.3
Trent Ltd	Consumer Services	0.32%	-0.05 pp	48.3
NTPC Ltd	Power	0.29%	-0.03 pp	13.2
NTPC Ltd.	Power	0.29%	—	13.2
Persistent Systems Ltd	Information Technology	0.24%	0.05 pp	51.6
Persistent Systems Ltd.	Information Technology	0.24%	—	51.6
National Bank for Agriculture and Rural Development**	—	0.16%	-0.00 pp	—
National Bank for Agriculture and Rural Development	—	0.16%	—	—
Wockhardt Ltd.	Healthcare	0.16%	—	94.2
Wockhardt Limited	Healthcare	0.16%	-0.01 pp	94.2
LG Electronics India Ltd.	Consumer Durables	0.14%	—	65.9
LG Electronics India Ltd	Consumer Durables	0.14%	0.01 pp	65.9
Net Receivable / Payable	—	0.04%	—	—
Net Receivable / Payable	—	0.03%	-1.15 pp	—
6% TVS Motor Company Ltd. NCRPS @ A**	—	0.02%	0.00 pp	—
6% TVS Motor Company Ltd. NCRPS @	—	0.02%	—	—

This is a paid feature

Comparing more months of this fund's own portfolio history is available on paid plans.

Fund details

Fund houseUnion Mutual Fund

AMFI scheme code142038

CategoryHybrid › Balanced Advantage

AMFI categoryOpen Ended Schemes(Hybrid Scheme - Dynamic Asset Allocation or Balanced Advantage)

Plan / optionDirect / Growth

ISININF582M01DE9

NAV history from5 Jan 2018

NAV points on record2,150

Cost and size

Expense ratio (direct, Sep 2026)

1.47%

category median 1.04%

Assets under management

₹58 crore

average, September-2026

Regular plan expense ratio

2.56%

Expense ratio by month: Oct 25 0.99% · Nov 25 1.00% · Dec 25 1.04% · Jan 26 1.04% · Feb 26 1.04% · Mar 26 1.11% · Apr 26 1.05% · May 26 1.11% · Jun 26 1.40% · Jul 26 1.46% · Aug 26 1.46% · Sep 26 1.47%

From the scheme information document

Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index (TRI) #; #Benchmark Disclaimer: The “Product” offered by “the issuer” is not sponsored, endorsed, sold or promoted by NSE Indices Limited (Formerly Indian In
Not applicable
SEBI riskometer: Very High
Registrar: Computer Age Management Services Limited (CAMS)
Minimum investment: 1000
Minimum additional: 1000
SIP: SIP - Rs. 100 for daily SIP, Rs. 500 for weekly SIP, Rs. 500 for fortnightly SIP, Rs. 500 for monthly SIP STP - Rs. 100 for all frequencies SWP - Rs. 500 for a…
Fund manager(s): FM 1 Mr. Sanjay Bembalkar, FM 2 Mr. Gaurav Chopra, FM 3 Mr. Parijat Agrawal , FM 4 Mr. Vishal Thakker

Exit load

1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment.; Nil thereafter

Objective

To achieve long term capital appreciation and generate income through an equity portfolio by using long equities, equity derivatives and arbitrage opportunities available. However, there is no assurance that the Investment Objective of the scheme will be achieved.

Scheme information document

Fund house: website · factsheets · monthly portfolio · annual report

Not available: Morningstar rating (proprietary). "NAV history from" is the first NAV we hold.

Other plans of this fund

Direct · IDCW₹19.7700
Regular · Growth₹19.9200
Regular · IDCW₹17.9400

Returns are computed by Tradinity from each scheme's own published NAV, so they are net of the fund's expenses. Periods over one year are annualised (CAGR). Past performance does not indicate future returns. Only Growth-option schemes are ranked: an IDCW scheme pays cash out of its NAV, so its NAV understates what an investor earned.