Union Equity Savings Fund

Union Mutual Fund

Hybrid › Equity Savings Regular plan Growth SEBI riskometer: Moderately High

40/100

Average · Tradinity score

₹17.2000

-0.0200 (-0.12%)

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 Equity Savings regular-plan Growth funds.

Period	This fund	Category median	Rank in category
1 month	-1.71%	-1.82%	—
3 months	-0.92%	-0.61%	—
6 months	+3.86%	+3.75%	—
1 year	+2.20%	+2.26%	#13 of 23 Top 57%
3 years	+6.02%	+6.94%	#17 of 20 Top 85%
5 years	+5.41%	+6.34%	#16 of 17 Top 95%
10 years	—	+7.20%	—
Since launch of NAV data	+6.86%	—	—

NAV high and low

Window	High	Low
1 month	17.5000	17.2000
3 months	17.5500	17.2000
6 months	17.5500	16.5500
1 year	17.5500	16.4700

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	+11.09%	+8.76%	+1.66%	+11.62%	+8.42%	+4.83%	+0.35%
Category median	+10.39%	+12.79%	+3.19%	+13.78%	+10.57%	+6.37%	+0.27%

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

Portfolio15/20

✓ Largest holding is 10% of the fund or less (largest holding 8.6%)
✗ Top ten holdings are 50% of the fund or less (top ten 60.5%)
✓ Holds at least 20 stocks (158 holdings)
✓ No single sector is more than 35% of the fund (diversified equity categories) (largest sector Private Banks 14.0%)
– Portfolio P/E is at or below the category median

Operations5/20

✓ Has a track record of at least 5 years (8.1 years of NAV history)
✗ Has a track record of at least 10 years
✗ Expense ratio is at or below the category median (expense ratio 2.58%)
✗ Fund size is above the category median (AUM Rs 95 crore)
– Lead manager has run the fund for 3 years or more (manager start date not on record)

Risk and reward10/20

✗ 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	-0.01	0.16	Worse
Sortino ratio	-0.01	0.22	Worse
Standard deviation	4.67%	4.80%	Better
Maximum drawdown	-4.58%	-5.06%	Better
Beta	—	—	—
R-squared	—	—	—
Jensen's alpha	—	—	—
Treynor ratio	—	—	—
Information ratio	—	—	—
Upside capture	—	—	—
Downside capture	—	—	—

SIP returns (monthly instalments, XIRR)

1 year

+0.96%

3 years

+3.48%

5 years

+5.41%

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. Shown from the Direct plan of this fund, which holds the same portfolio. The feed carries weights only: no quantities or rupee values.

Holdings

158

Top 5 / top 10

39.1% / 60.5%

Largest holding

8.6%

Mapped to Tradinity companies

70%

Portfolio P/E

—

category median 37.3

Portfolio ROE

12.1%

category median 14.1%

Portfolio dividend yield

—

category median 1.77%

Largest sector

Private Banks 14.0%

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	67.91%
Corporate Debt	12.84%
Cash & Equivalents	12.26%
Treasury Bills	6.98%
Pref Shares	0.01%

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
National Bank for Agriculture and Rural Development**	—	8.60%	—	—
National Bank for Agriculture and Rural Development	—	8.60%	1.51 pp	—
TREPS	—	8.56%	—	—
TREPS	—	8.56%	1.18 pp	—
HDFC Bank Limited	Financial Services	4.78%	0.94 pp	—
HDFC Bank Ltd.	Financial Services	4.78%	—	—
91 Day Treasury Bills	—	4.30%	4.30 pp	—
Indian Railway Finance Corporation Ltd.**	—	4.24%	0.72 pp	—
Indian Railway Finance Corporation Ltd.**	—	4.24%	—	—
Indus Towers Ltd.	Telecommunication	3.79%	—	14.0
Indus Towers Ltd	Telecommunication	3.79%	0.68 pp	14.0
Max Healthcare Institute Limited	Healthcare	3.75%	3.75 pp	124.3
Max Healthcare Institute Ltd.	Healthcare	3.75%	—	124.3
Net Receivable / Payable	—	3.73%	—	—
Net Receivable / Payable	—	3.71%	0.92 pp	—
Bajaj Finance Ltd.	Financial Services	3.31%	—	—
Bajaj Finance Ltd	Financial Services	3.31%	-0.37 pp	—
ICICI Bank Limited	Financial Services	2.97%	0.18 pp	—
ICICI Bank Ltd.	Financial Services	2.97%	—	—
Bharti Airtel Ltd	Telecommunication	2.69%	1.39 pp	68.2
Bharti Airtel Ltd.	Telecommunication	2.69%	—	68.2
91 Day Treasury Bills	—	2.68%	—	—
NTPC Ltd.	Power	2.65%	—	13.2
NTPC Ltd	Power	2.65%	0.00 pp	13.2
Reliance Industries Ltd	Oil, Gas & Consumable Fuels	2.47%	0.04 pp	40.9
Reliance Industries Ltd.	Oil, Gas & Consumable Fuels	2.47%	—	40.9
Kotak Mahindra Bank Ltd	Financial Services	2.35%	0.56 pp	—
Kotak Mahindra Bank Ltd.	Financial Services	2.35%	—	—
Axis Bank Ltd.	Financial Services	2.28%	—	—
Axis Bank Limited	Financial Services	2.28%	0.07 pp	—
Grasim Industries Ltd.	Construction Materials	2.27%	—	282.5
Grasim Industries Limited	Construction Materials	2.27%	0.57 pp	282.5
Glenmark Pharmaceuticals Ltd.	Healthcare	1.70%	—	316.1
Glenmark Pharmaceuticals Limited	Healthcare	1.70%	0.47 pp	316.1
Interglobe Aviation Ltd	Services	1.36%	0.66 pp	—
Interglobe Aviation Ltd.	Services	1.36%	—	—
State Bank of India	Financial Services	1.28%	0.02 pp	—
State Bank of India	Financial Services	1.28%	—	—
Mahindra & Mahindra Ltd.	Automobile and Auto Components	1.14%	—	21.6
Mahindra and Mahindra Ltd	Automobile and Auto Components	1.14%	0.27 pp	21.6
Infosys Ltd.	Information Technology	1.00%	—	13.8
Infosys Limited	Information Technology	1.00%	0.24 pp	13.8
Tata Steel Ltd.	Metals & Mining	0.97%	—	13.0
Tata Steel Ltd	Metals & Mining	0.97%	-0.08 pp	13.0
Adani Ports and Special Economic Zone Ltd.	Services	0.92%	—	161.0
Adani Ports and Special Economic Zone Ltd	Services	0.92%	0.07 pp	161.0
Ujjivan Small Finance Bank Ltd	Financial Services	0.86%	-0.18 pp	—
Ujjivan Small Finance Bank Ltd.	Financial Services	0.86%	—	—
Larsen and Toubro Ltd	Construction	0.82%	-0.03 pp	71.1
Larsen & Toubro Ltd.	Construction	0.82%	—	71.1
Max Financial Services Ltd.	Financial Services	0.78%	—	—
Max Financial Services Ltd	Financial Services	0.78%	-0.24 pp	—
Crompton Greaves Consumer Electricals Ltd.	Consumer Durables	0.75%	—	—
Crompton Greaves Consumer Electricals Limited	Consumer Durables	0.75%	0.04 pp	—
Engineers India Ltd.	Construction	0.68%	—	25.6
Engineers India Ltd	Construction	0.68%	-0.00 pp	25.6
Sai Life Sciences Limited	Healthcare	0.66%	0.09 pp	89.9
One 97 Communications Ltd.	Financial Services	0.66%	—	580.7
Sai Life Sciences Ltd.	Healthcare	0.66%	—	89.9
One 97 Communications Ltd	Financial Services	0.66%	0.21 pp	580.7
Dr. Lal PathLabs Ltd	Healthcare	0.64%	0.64 pp	38.4
Maruti Suzuki India Ltd	Automobile and Auto Components	0.64%	-0.04 pp	25.8
Dr. Lal Path labs Ltd.	Healthcare	0.64%	—	38.4
Maruti Suzuki India Ltd.	Automobile and Auto Components	0.64%	—	25.8
Delhivery Limited	Services	0.63%	0.35 pp	101.6
CG Power and Industrial Solutions Limited	Capital Goods	0.63%	-1.28 pp	99.7
CG Power and Industrial Solutions Ltd.	Capital Goods	0.63%	—	99.7
Delhivery Ltd.	Services	0.63%	—	101.6
Ather Energy Ltd	Automobile and Auto Components	0.62%	0.20 pp	—
Ather Energy Ltd.	Automobile and Auto Components	0.62%	—	—
Trent Ltd	Consumer Services	0.60%	0.36 pp	48.3
Torrent Pharmaceuticals Ltd.	Healthcare	0.60%	—	77.7
Trent Ltd.	Consumer Services	0.60%	—	48.3
Torrent Pharmaceuticals Ltd	Healthcare	0.60%	0.04 pp	77.7
Shadowfax Technologies Ltd.	Services	0.59%	—	—
Swiggy Ltd.	Consumer Services	0.59%	—	—
Tata Consumer Products Ltd.	Fast Moving Consumer Goods	0.59%	—	57.7
Swiggy Limited	Consumer Services	0.59%	0.59 pp	—
Tata Consumer Products Ltd	Fast Moving Consumer Goods	0.59%	-0.43 pp	57.7
Shadowfax Technologies Limited	Services	0.59%	0.25 pp	—
Hindustan Unilever Ltd.	Fast Moving Consumer Goods	0.53%	—	39.8
KRN Heat Exchanger and Refrigeration Ltd.	Capital Goods	0.53%	—	117.0
Hindustan Unilever Ltd	Fast Moving Consumer Goods	0.53%	-0.05 pp	39.8
KRN Heat Exchanger and Refrigeration Ltd	Capital Goods	0.53%	0.53 pp	117.0
Solar Industries India Ltd	Chemicals	0.52%	-0.14 pp	136.0
Inventurus Knowledge Solutions Ltd.	Information Technology	0.52%	—	48.0
Solar Industries India Ltd.	Chemicals	0.52%	—	136.0
Inventurus Knowledge Solutions Ltd	Information Technology	0.52%	0.01 pp	48.0
Gabriel India Ltd.	Automobile and Auto Components	0.51%	—	75.2
Gabriel India Ltd	Automobile and Auto Components	0.51%	-0.14 pp	75.2
Sona BLW Precision Forgings Ltd	Automobile and Auto Components	0.49%	0.01 pp	66.4
Clean Max Enviro Energy Solutions Ltd	Power	0.49%	-0.06 pp	—
Clean Max Enviro Energy Solutions Ltd.	Power	0.49%	—	—
Mphasis Ltd.	Information Technology	0.49%	—	28.0
Sona Blw Precision Forgings Ltd.	Automobile and Auto Components	0.49%	—	66.4
Mphasis Ltd	Information Technology	0.49%	0.05 pp	28.0
Eternal Limited	Consumer Services	0.47%	-0.07 pp	111.0
RBL Bank Ltd	Financial Services	0.47%	0.47 pp	—
Eternal Ltd.	Consumer Services	0.47%	—	111.0
RBL Bank Ltd.	Financial Services	0.47%	—	—
Ajanta Pharma Limited	Healthcare	0.46%	0.02 pp	43.2
Shriram Finance Limited	Financial Services	0.46%	0.02 pp	—
Ajanta Pharma Ltd.	Healthcare	0.46%	—	43.2
Shriram Finance Ltd.	Financial Services	0.46%	—	—
Syrma SGS Technology Limited	Capital Goods	0.45%	0.04 pp	97.5
Syrma SGS Technology Ltd.	Capital Goods	0.45%	—	97.5
JSW Infrastructure Limited	Services	0.44%	0.04 pp	366.7
JSW Infrastructure Ltd.	Services	0.44%	—	366.7
Data Patterns (India) Ltd	Capital Goods	0.43%	0.43 pp	88.3
Cemindia Projects Ltd	Construction	0.43%	-0.13 pp	33.4
Aarti Industries Ltd.	Chemicals	0.43%	—	32.6
Cemindia Projects Ltd.	Construction	0.43%	—	33.4
Data Patterns (India) Ltd.	Capital Goods	0.43%	—	88.3
Aarti Industries Ltd	Chemicals	0.43%	0.05 pp	32.6
ZF Commercial Vehicle Control Systems India Ltd	Automobile and Auto Components	0.42%	-0.01 pp	10.4
ZF Commercial Vehicle Control Systems India Ltd.	Automobile and Auto Components	0.42%	—	10.4
Godrej Properties Ltd	Realty	0.40%	0.40 pp	136.4
Bharat Heavy Electricals Ltd	Capital Goods	0.40%	0.40 pp	61.8
Bharat Heavy Electricals Ltd.	Capital Goods	0.40%	—	61.8
Godrej Properties Ltd.	Realty	0.40%	—	136.4
Nippon Life India Asset Management Ltd.	Financial Services	0.40%	—	—
Varun Beverages Ltd.	Fast Moving Consumer Goods	0.40%	—	50.4
Nippon Life India Asset Management Ltd	Financial Services	0.40%	-0.24 pp	—
Varun Beverages Limited	Fast Moving Consumer Goods	0.40%	-1.21 pp	50.4
Kirloskar Oil Engines Ltd.	Capital Goods	0.39%	—	74.4
Kirloskar Oil Engines Ltd	Capital Goods	0.39%	0.03 pp	74.4
Manipal Health Enterprises Limited	Healthcare	0.36%	0.36 pp	—
Tata Motors Ltd	Capital Goods	0.36%	0.03 pp	45.3
Manipal Health Enterprises Ltd	Healthcare	0.36%	—	—
Tata Motors Ltd.	Capital Goods	0.36%	—	45.3
GlaxoSmithKline Pharmaceuticals Ltd	Healthcare	0.34%	0.34 pp	43.8
Glaxosmithkline Pharmaceuticals Ltd.	Healthcare	0.34%	—	43.8
Oil India Ltd.	Oil, Gas & Consumable Fuels	0.34%	—	11.2
Oil India Ltd	Oil, Gas & Consumable Fuels	0.34%	0.04 pp	11.2
Gokaldas Exports Limited	Textiles	0.33%	-0.05 pp	21.9
FSN E-Commerce Ventures Ltd.	Consumer Services	0.33%	—	1,170.9
Gokaldas Exports Ltd.	Textiles	0.33%	—	21.9
IPCA Laboratories Ltd.	Healthcare	0.33%	—	39.8
IPCA Laboratories Ltd	Healthcare	0.33%	0.04 pp	39.8
FSN E-Commerce Ventures Limited	Consumer Services	0.33%	-0.18 pp	1,170.9
JSW Energy Ltd	Power	0.30%	-0.04 pp	97.8
JSW Energy Ltd.	Power	0.30%	—	97.8
Karur Vysya Bank Ltd	Financial Services	0.29%	0.04 pp	—
Karur Vysya Bank Ltd.	Financial Services	0.29%	—	—
Sun Pharmaceutical Industries Ltd.	Healthcare	0.29%	—	143.5
Sun Pharmaceutical Industries Ltd	Healthcare	0.29%	-0.27 pp	143.5
Ultratech Cement Ltd.	Construction Materials	0.28%	—	42.2
UltraTech Cement Ltd	Construction Materials	0.28%	0.00 pp	42.2
Billionbrains Garage Ventures Ltd	Financial Services	0.25%	0.25 pp	60.9
Billionbrains Garage Ventures Ltd.	Financial Services	0.25%	—	60.9
Bharat Electronics Ltd	Capital Goods	0.23%	-0.26 pp	46.0
Bharat Electronics Ltd.	Capital Goods	0.23%	—	46.0
Jindal Steel Ltd	Metals & Mining	0.18%	0.02 pp	44.0
Jindal Steel Ltd.	Metals & Mining	0.18%	—	44.0
Wockhardt Ltd.	Healthcare	0.12%	—	94.2
Wockhardt Limited	Healthcare	0.12%	-0.01 pp	94.2
6% TVS Motor Company Ltd. NCRPS @	—	0.01%	—	—
6% TVS Motor Company Ltd. NCRPS @ A**	—	0.01%	0.00 pp	—

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 code144310

CategoryHybrid › Equity Savings

AMFI categoryOpen Ended Schemes(Hybrid Scheme - Equity Savings)

Plan / optionRegular / Growth

ISININF582M01EG2

NAV history from17 Aug 2018

NAV points on record1,997

Cost and size

Expense ratio (regular, Sep 2026)

2.58%

category median 2.17%

Assets under management

₹95 crore

average, September-2026

Expense ratio by month: Oct 25 2.00% · Nov 25 2.00% · Dec 25 2.00% · Jan 26 2.00% · Feb 26 1.93% · Mar 26 1.95% · Apr 26 1.95% · May 26 1.95% · Jun 26 2.53% · Jul 26 2.55% · Aug 26 2.62% · Sep 26 2.58%

From the scheme information document

Benchmark: CRISIL Equity Savings Index (TRI)#; #CRISIL Benchmark Disclaimer: CRISIL Indices are the sole property of CRISIL Limited (CRISIL). CRISIL Indices shall not be copied, transmitted or distributed in any
Not applicable
SEBI riskometer: Moderately 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 frequenciesSWP - Rs. 500 for a…
Fund manager(s): FM 1 - Mr. Sanjay Bembalkar, FM 2 - Mr. Gaurav Chopra, FM 3 - Mr. Parijat Agrawal

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 seek capital appreciation and/or to generate consistent returns by actively investing in a combination of diversified equity and equity related instruments, arbitrage and derivative strategies and exposure in debt and money market instruments. 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 · Growth₹17.9800
Direct · IDCW₹16.7700
Regular · IDCW₹15.9900

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.