AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in हिंदी

Union Equity Savings Fund - Regular Plan - Growth Option

Equity Savings Funds combine equity, arbitrage positions and debt (at least 65% in equity including arbitrage, at least 10% in debt).

AMC websiteNAV history (AMFI)हिंदी में

Union Mutual FundEquity Savings FundsRegular · Growth
NAV · 16 Oct 2026₹17.2600▲ 0.17% (1 day)
  • Current NAV₹17.2600
  • Fund Size (AUM)—
  • Expense Ratio—
  • 1Y Return+1.35%
  • 3Y Return (CAGR)+6.08%
  • 5Y Return (CAGR)+5.14%
  • Category Rank (3Y)—
  • Riskometer—
  • Min. SIP / Lump sum—
More figures (11)
  • Since Launch (CAGR)+6.87%
  • Benchmark—
  • Volatility (3Y)4.69 %
  • Sharpe Ratio (3Y)-0.09
  • Beta (3Y)—
  • 52-week High / Low₹17.5500 / ₹16.4700
  • Max Drawdown-14.4 %
  • Launched17 Aug 2018
  • Lock-in—
  • Portfolio Turnover—
  • Fund Managers—

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 5 years it returned 5.1% a year.
  • Volatility over 3 years was 4.7% a year, with a Sharpe ratio of -0.09.
  • Its biggest fall from a peak was 14.4% (16 Jan 2020 to 23 Mar 2020).
  • Across all 3-year periods since launch, yearly returns ranged from 6.0% to 11.3% and were positive 100% of the time.

Pros

  • Every 3-year period since launch gave a positive return (lowest 6.0% a year).

Cons

No standout weaknesses in its record so far.

Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund+0.35%-0.06%-0.75%+1.53%+0.70%+1.35%+2.50%+6.08%+5.14%+7.04%—+6.87%

Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Equity Savings Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD2025202420232022202120202019
This fund+0.70%+4.83%+8.42%+11.62%+1.66%+8.76%+11.09%+8.16%

January to December each year; the current year is to date.

Month-by-month returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDecYear
2026-0.70.8-4.03.2-0.32.10.70.7-1.70.2
2025-1.2-2.02.81.20.91.3-0.2-0.50.31.90.5-0.24.8
20240.91.10.51.00.32.41.50.70.4-1.00.30.18.4
2023-0.7-0.20.31.61.51.71.6-0.31.1-0.62.42.711.6
2022-0.5-0.80.8-0.7-1.2-1.43.01.4-1.11.81.3-0.81.7
2021-0.71.70.30.02.00.70.62.70.70.5-0.70.58.8
2020-0.3-1.5-7.76.1-0.63.03.11.1-0.31.63.82.711.1
20190.4-0.11.90.81.20.1-0.90.31.42.00.60.48.1
2018-0.10.01.10.2

Change in NAV from the last business day of one month to the last business day of the next. Positive in 65 of 98 months shown (66%). "Year" is shown for complete calendar years.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?4.69%4.61%
Sharpe ratio ?-0.09-0.30
Sortino ratio ?-0.12-0.39
Maximum drawdown-4.58%-6.10%

Rolling 3-year returns (yearly)

Lowest+5.97%
Median+7.79%
Highest+11.25%
Positive100% of periods
Above 12% a year0% of periods

Rolling 5-year returns (yearly)

Lowest+5.11%
Median+8.13%
Highest+10.73%
Positive100% of periods
Above 12% a year0% of periods

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

How it handled market falls

Biggest falls in this fund's NAV

PeakBottomFallBack to the peak onTime to recover
19 Feb 202023 Mar 2020-14.4%17 Jul 20204 months
17 Jan 202217 Jun 2022-6.1%31 Oct 20224 months

Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,21,011₹1,011+1.56%
3Y₹3,60,000₹3,80,886₹20,886+3.69%
5Y₹6,00,000₹6,89,051₹89,051+5.47%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

What your investment would be worth

Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.

Compare with all Equity Savings Funds (22)

S.No.Scheme (Regular plans, Growth)6M %1Y %3Y % CAGR5Y % CAGRExpense ratio %Fund size ₹ Cr
1.Aditya Birla Sun Life Equity Savings FundAditya Birla Sun Life Mutual Fund——————
2.Axis Equity Savings FundAxis Mutual Fund——————
3.Bajaj Finserv Equity Savings FundBajaj Finserv Mutual Fund——————
4.BANDHAN EQUITY SAVINGS FUNDBandhan Mutual Fund——————
5.Baroda BNP Paribas Equity Savings FundBaroda BNP Paribas Mutual Fund——————
6.DSP Equity Savings FundDSP Mutual Fund——————
7.Edelweiss Equity Savings FundEdelweiss Mutual Fund——————
8.Franklin India Equity Savings FundFranklin Templeton Mutual Fund——————
9.HDFC Equity Savings FundHDFC Mutual Fund——————
10.HSBC Equity Savings FundHSBC Mutual Fund——————
11.Invesco India Equity Savings FundInvesco Mutual Fund——————
12.Kotak Equity Savings FundKotak Mahindra Mutual Fund——————
13.LIC MF Equity Savings FundLIC Mutual Fund——————
14.Mahindra Manulife Equity Savings FundMahindra Manulife Mutual Fund——————
15.Mirae Asset Equity Savings FundMirae Asset Mutual Fund——————
16.PGIM India Equity Savings FundPGIM India Mutual Fund——————
17.quant Equity Savings Fundquant Mutual Fund——————
18.SBI EQUITY SAVINGS FUNDSBI Mutual Fund——————
19.Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)Sundaram Mutual Fund——————
20.Union Equity Savings FundUnion Mutual Fund——————
21.UTI - Equity Savings FundUTI Mutual Fund——————
22.WhiteOak Capital Equity Savings FundWhiteOak Capital Mutual Fund——————
Median: 22 schemes——————

Detailed comparison with another fund About Equity Savings Funds

Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.

Scheme details

Fund house
Union Mutual Fund
Category
Equity Savings Funds · Hybrid
Plan / option
Regular · Growth
AMFI scheme code
144310
ISIN
INF582M01EG2
Exit load & portfolio
See the scheme's KIM and monthly factsheet on the fund house website.

About Equity Savings Funds

Equity Savings Funds combine equity, arbitrage positions and debt (at least 65% in equity including arbitrage, at least 10% in debt).

Generally used by investors wanting modest equity exposure with lower volatility.

Other plans of this scheme

Tax on your gains

Likely tax treatment: Equity-oriented fund

  • Held 12 months or less: short-term gain taxed at 20%.
  • Held over 12 months: long-term gain taxed at 12.5% on gains above ₹1.25 lakh a year (the ₹1.25 lakh exemption covers all your equity funds and shares together).
  • Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
  • Switching from one scheme or plan to another counts as selling and buying.
  • Surcharge and 4% health and education cess apply on top of these rates.
Fund typeShort-termLong-term
Equity-oriented20% (up to 12 months)12.5% above ₹1.25 lakh
Debt-oriented (bought from Apr 2023)Slab rateSlab rate
Gold, international, other hybridSlab rate12.5% (after 12 or 24 months)

Exit load, if any, is set out in the scheme's KIM. Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.

Latest news: Union Mutual Fund

Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.

Questions about this scheme

What is the NAV of Union Equity Savings Fund today?
The latest NAV of Union Equity Savings Fund - Regular Plan - Growth Option is ₹17.2600 as on 16 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has Union Equity Savings Fund given?
As on 16 Oct 2026: 1 year +1.35%, 3 years +6.08% a year, 5 years +5.14% a year. Past returns may or may not be sustained in future.
What is the expense ratio of Union Equity Savings Fund?
See the scheme's latest factsheet on the fund house website for its expense ratio.
How risky is this fund?
Over 3 years its volatility was 4.7% a year and its biggest fall from a peak was 4.6%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Equity Savings Funds?
Equity Savings Funds combine equity, arbitrage positions and debt (at least 65% in equity including arbitrage, at least 10% in debt).
How are gains from Union Equity Savings Fund taxed?
It is taxed as an equity-oriented fund: gains on units held up to 12 months are taxed at 20%; after 12 months, gains above ₹1.25 lakh a year are taxed at 12.5% (plus surcharge and cess).
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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