Union Focused 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 8.75% demonstrates steady long-term compounding.
- Expense ratio (2.55%) is higher than category median (2.24%), which creates fee drag over time.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +7.45% | +7.77% | -0.32% |
| 3 Months | +1.32% | +0.86% | +0.46% |
| 6 Months | +7.81% | +7.95% | -0.14% |
| 1 Year | +9.01% | +3.65% | +5.36% |
| 3 Years CAGR | +12.18% | +12.71% | -0.53% |
| 5 Years CAGR | +8.75% | +10.23% | -1.48% |
| 7 Years CAGR | +14.54% | +13.92% | +0.62% |
| Since Inception | +15.48% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Union Focused Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +13.36% | +3.13% | +10.23% |
| 2025 | -1.95% | +2.93% | -4.88% |
| 2024 | +16.38% | +17.15% | -0.77% |
| 2023 | +20.84% | +28.21% | -7.37% |
| 2022 | -0.22% | -0.40% | +0.18% |
| 2021 | +34.54% | +34.23% | +0.31% |
| 2020 | +20.66% | +16.09% | +4.57% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -6.24% | +17.20% | +11.67% | +90.90% | 89.6% | 37.1% |
| 3-Year Rolling | +7.31% | +15.33% | +14.41% | +30.36% | 100.0% | 14.1% |
| 5-Year Rolling | +6.95% | +15.33% | +15.95% | +24.94% | 100.0% | 0.0% |
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 | -34.0% | 1 months | 7 months |
| 2022-01-17 | 2022-06-17 | -18.7% | 5 months | 12 months |
| 2024-09-23 | 2025-02-28 | -17.4% | 5 months | 14 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and Equity related instruments across market cap* | 80%- 100% of net assets, Debt and Money Market instruments: 0%-20% of net assets, Units Issued by InvITs: 0%-10% (*Investment in maximum 30 stocks across market capitalisation.) Please refer the Scheme Information Document for complete details. |
Investment Objective & Strategy
The investment objective of the scheme is to seek to generate capital appreciation by investing in a portfolio of select equity and equity linked securities across market caps. However, there can be 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 464 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Focused 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 Focused Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| 360 ONE Focused Fund | 4.6 | +12.28% | 2.12% | 87.8% | Rs 6,943 cr | Compare → |
| quant Focused Fund | 3.3 | +12.46% | 3.14% | 97.6% | Rs 864 cr | Compare → |
| Edelweiss Focused Fund | 5.3 | +12.71% | 2.31% | 105.0% | Rs 1,030 cr | Compare → |
| UTI Focused Fund 30 stocks | 4.1 | +10.80% | 2.22% | 99.0% | Rs 2,525 cr | Compare → |
| Mahindra Manulife Focused Fund | 6.6 | +12.91% | 2.31% | 91.2% | Rs 2,043 cr | Compare → |
Frequently Asked Questions about Union Focused Fund
What is the expense ratio of Union Focused Fund?
Union Focused Fund has a total expense ratio (TER) of 2.55% with a base expense ratio of 2.1%, compared to the Focused category median of 2.24%.
Who manages Union Focused Fund?
Union Focused Fund is managed by Pratik Dharmshi.
What are the historical returns of Union Focused Fund?
Union Focused Fund delivered a 3-year CAGR of 12.18% and a 5-year CAGR of 8.75%. Its 1-year return stands at +9.01%.
How large is Union Focused Fund?
Union Focused Fund manages assets of Rs 464 cr, placing it in the 'small' size band relative to Focused peers.
How is Union Focused Fund scored on MFIQ?
Union Focused Fund holds an MFIQ Score of 3.9/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Union Focused Fund?
Union Focused Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 15.19% with a maximum historical drawdown of -33.99%.