Union Equity Savings Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- 5-Year CAGR of 5.77% demonstrates steady long-term compounding.
- Expense ratio (2.58%) is higher than category median (2.19%), which creates fee drag over time.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +2.97% | +2.96% | +0.01% |
| 3 Months | +1.26% | +1.17% | +0.09% |
| 6 Months | +3.99% | +3.88% | +0.11% |
| 1 Year | +3.75% | +4.14% | -0.39% |
| 3 Years CAGR | +6.93% | +8.21% | -1.28% |
| 5 Years CAGR | +5.77% | +7.26% | -1.49% |
| 7 Years CAGR | +7.17% | +8.53% | -1.36% |
| Since Inception | +7.15% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Union Equity Savings Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +3.33% | +3.40% | -0.07% |
| 2025 | +4.83% | +6.70% | -1.87% |
| 2024 | +8.42% | +11.07% | -2.65% |
| 2023 | +11.62% | +14.27% | -2.65% |
| 2022 | +1.66% | +2.49% | -0.83% |
| 2021 | +8.76% | +12.79% | -4.03% |
| 2020 | +11.09% | +11.09% | 0.00% |
| 2019 | +8.16% | +7.85% | +0.31% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -8.31% | +7.47% | +6.77% | +30.87% | 95.4% | - |
| 3-Year Rolling | +5.85% | +7.92% | +7.79% | +12.10% | 100.0% | - |
| 5-Year Rolling | +4.93% | +7.81% | +8.14% | +11.36% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-02-19 | 2020-03-23 | -14.4% | 1 months | 4 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| A. Equities, equity related instruments and derivatives including index futures, stock futures, index options, & stock options, etc. as partly hedged /arbitrage exposure# | 65% - 90%; A1. Equity & Equity Related instruments (unhedged)^: 15% - 40%; A2. Equity & Equity Related instruments (hedged)^: 25% - 75%; B. Debt, Money Market Instruments and other assets as permitted by SEBI: 10% - 35%; C. Units Issued by InvITs: 0% - 10%. # Minimum Hedged (arbitrage position) exposure would be 25%. ^Unhedged equity exposure means exposure to equity shares alone without a corresponding equity derivative exposure. Investments in Derivatives – upto 75% of the net assets of the scheme. Please refer the Scheme Information Document for complete details. |
Investment Objective & Strategy
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.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 116 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Equity Savings schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Equity Savings Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Invesco India Equity Savings Fund | 2.9 | +7.45% | 2.96% | - | Rs 266 cr | Compare → |
| BANDHAN Equity Savings Fund | 3.3 | +6.61% | 1.56% | - | Rs 380 cr | Compare → |
| LIC MF Equity Savings Fund | 3.9 | +7.83% | 2.80% | - | Rs 38.8 cr | Compare → |
| quant Equity Savings Fund | 7.7 | - | - | - | Rs 59.7 cr | Compare → |
| SBI Equity Savings Fund | 4.0 | +7.60% | 2.00% | - | Rs 5,386 cr | Compare → |
Frequently Asked Questions about Union Equity Savings Fund
What is the expense ratio of Union Equity Savings Fund?
Union Equity Savings Fund has a total expense ratio (TER) of 2.58% with a base expense ratio of 1.66%, compared to the Equity Savings category median of 2.19%.
Who manages Union Equity Savings Fund?
Union Equity Savings Fund is managed by Sanjay Bembalkar.
What are the historical returns of Union Equity Savings Fund?
Union Equity Savings Fund delivered a 3-year CAGR of 6.93% and a 5-year CAGR of 5.77%. Its 1-year return stands at +3.75%.
How large is Union Equity Savings Fund?
Union Equity Savings Fund manages assets of Rs 116 cr, placing it in the 'small' size band relative to Equity Savings peers.
How is Union Equity Savings Fund scored on MFIQ?
Union Equity Savings Fund holds an MFIQ Score of 2.7/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Union Equity Savings Fund?
Union Equity Savings Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 4.76% with a maximum historical drawdown of -14.35%.