← Back to the fund page Use your browser's print dialog and choose “Save as PDF”. A4.
MF Analyser

Union Equity Savings Fund

Direct Plan · IDCW Option · Equity Savings · Scheme code 144313

NAV₹16.9200as on 25 Sep 2026
Fund houseUnion Mutual Fund
CategoryEquity Savings
Plan & optionDirect · IDCW Option
History8.1 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme -1.41-6.24-3.88 -4.323.974.51 6.81—6.62
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Equity Savings
category median		 ——— 4.049.137.93 —8.78—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 6.2% -0.41 -0.54 0.34 -1.89% -14.4% 83.25
Nifty 100
benchmark		 17.1%0.23 0.32—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 82 months this scheme and its benchmark share.

Growth of ₹100 since launch

921251571892020202220242026MF Analyser

Drawdown from peak (%)

0%-4%-8%-13%2020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
349 -5.6% 7.6% 27.1% 5%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

How it behaves against its benchmark

Up captureDown captureCorrelation Tracking errorInformation ratioTreynor
40% 32% 0.91 11.8% -0.49 0.46

Up capture is how much of the benchmark's gain this scheme kept in the months the benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it on the up side is the combination every fund is trying for and few reach. Measured over the 82 months this scheme and Nifty 100 share.

MF Analyser

Union Equity Savings Fund

Direct Plan · IDCW Option

Allocation

By asset

Equity67.88%
Debt19.83%

By market cap

Concentration

Number of stocks78
Top 5 stocks25.71%
Top 10 stocks41.11%
Top 20 stocks59.61%
Lines in the filing97
Largest holding8.60%
Largest sectorBanks 15.28%
Effective stocks40.1
Sectors held36
Cash-16.16%

Effective stocks is what the concentration works out to: a fund holding 78 names but most of its money in a few behaves like a fund of 40. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AAA — 12.8%Cash & Equivalents — 12.3%Banks — 10.2%Sovereign — 7.0%Pharmaceuticals & Biotechnology — 2.8%Other — 26.4%CRISIL AAA12.8%Cash & Equivalents12.3%Banks10.2%Sovereign7.0%Pharmaceuticals & Biotech…2.8%Other26.4%
CRISIL AAA12.84%
Cash & Equivalents12.29%
Banks10.24%
Sovereign6.98%
Pharmaceuticals & Biotechnology2.79%
Retailing1.99%
Construction1.93%
Petroleum Products1.91%
IT - Software1.49%
Telecom - Services1.48%
Auto Components1.42%
Transport Services1.25%
Automobiles1.23%
Power1.15%
Healthcare Services1.09%
Electrical Equipment1.03%
Finance0.98%
Chemicals & Petrochemicals0.95%
Industrial Products0.92%
Insurance0.78%
MF Analyser

Union Equity Savings Fund

Direct Plan · IDCW Option · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 National Bank for Agriculture and Rural Development CRISIL AAA 100,000,000 10 8.60%
2 TREPS Unclassified — 10 8.56%
3 HDFC Bank Ltd. Banks 77,719 6 4.78%
4 91 Day Treasury Bills Sovereign 50,000,000 5 4.30%
5 Indian Railway Finance Corporation Ltd. CRISIL AAA 50,000,000 5 4.24%
6 Indus Towers Ltd. Telecom - Services 112,200 4 3.79%
7 Max Healthcare Institute Ltd. Healthcare Services 41,475 4 3.75%
8 Net Receivable / Payable Unclassified — 4 3.73%
9 Bajaj Finance Ltd. Finance 36,015 4 3.31%
10 ICICI Bank Ltd. Banks 23,538 3 2.97%
11 Bharti Airtel Ltd. Telecom - Services 17,104 3 2.69%
12 91 Day Treasury Bills Sovereign 30,976,000 3 2.68%
13 NTPC Ltd. Power 93,210 3 2.65%
14 Reliance Industries Ltd. Petroleum Products 22,299 3 2.47%
15 Kotak Mahindra Bank Ltd. Banks 64,600 3 2.35%
16 Axis Bank Ltd. Banks 20,183 3 2.28%
17 Grasim Industries Ltd. Cement & Cement Products 7,750 3 2.27%
18 Glenmark Pharmaceuticals Ltd. Pharmaceuticals & Biotechnology 7,875 2 1.70%
19 Interglobe Aviation Ltd. Transport Services 3,000 2 1.36%
20 State Bank of India Banks 13,934 1 1.28%
21 Mahindra & Mahindra Ltd. Automobiles 4,000 1 1.14%
22 Infosys Ltd. IT - Software 10,116 1 1.00%
23 Tata Steel Ltd. Ferrous Metals 60,500 1 0.97%
24 Adani Ports and Special Economic Zone Ltd. Transport Infrastructure 6,650 1 0.92%
25 Ujjivan Small Finance Bank Ltd. Banks 144,144 1 0.86%
26 Larsen & Toubro Ltd. Construction 2,336 1 0.82%
27 Max Financial Services Ltd. Insurance 5,702 1 0.78%
28 Crompton Greaves Consumer Electricals Ltd. Consumer Durables 36,550 1 0.75%
29 Engineers India Ltd. Construction 29,819 1 0.68%
30 One 97 Communications Ltd. Financial Technology (Fintech) 4,405 1 0.66%
MF Analyser

Union Equity Savings Fund

Direct Plan · IDCW Option · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹655,006 ₹55,006 3.46%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 27 Sep 2026.