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Home โ€บ Equity Scheme - Small Cap Fund โ€บ Union Small Cap Fund - Direct Plan - Growth Option
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Union Small Cap Fund - Direct Plan - Growth Option

Union Mutual Fund · AMFI: 129649 · ISIN: INF582M01BU9
Latest NAV
โ‚น64.44
as of Nov. 4, 2026
1Y: +14.80%
3Y: +15.45%
Fund Information
05 Nov 2026 ยท captnemo
Fund House
Union Mutual Fund
Category
Equity Scheme - Small Cap Fund
AUM
โ‚น27319.0 Cr
Expense Ratio
1.09%
Min SIP
โ‚น500.0
Min Lumpsum
โ‚น1000.0
Fund Start Date
10 Jun 2014
Lock-in Period
None
๐Ÿ’ฐ Fund AUM Trend
Current: โ‚น27319.0 Cr
Investment Objective

To achieve long term capital appreciation by investing in a portfolio consisting of equity and equity related securities, predominantly of small cap companies.

Trailing Returns
Full Analysis โ†’
Period Fund Benchmark Cat Min Cat Avg Cat Max Excess vs BM Excess vs Cat
1W 158.01% 40.77% โ€” โ€” โ€” 117.24% โ€”
1M -16.16% -32.18% โ€” โ€” โ€” 16.02% โ€”
3M -8.32% -24.18% โ€” โ€” โ€” 15.86% โ€”
6M 13.84% -1.54% โ€” โ€” โ€” 15.38% โ€”
1Y 14.82% -1.27% -5.63% 8.14% 26.71% 16.09% 6.68%
2Y 8.56% -2.48% โ€” โ€” โ€” 11.04% โ€”
3Y 15.19% -2.48% 0.00% 13.69% 27.05% 17.67% 1.50%
5Y 15.80% -2.48% 0.00% 11.49% 20.00% 18.28% 4.31%
7Y 23.76% -2.48% โ€” โ€” โ€” 26.24% โ€”
10Y 17.21% -2.48% โ€” โ€” โ€” 19.69% โ€”
SI 16.18% -2.48% โ€” โ€” โ€” 18.66% โ€”
Risk Snapshot (3Y)
Sharpe Ratio
0.46 (cat: 0.56)
Max Drawdown
-25.86% (cat: -24.58%)
Std Dev (Ann)
19.01% (cat: 18.0%)
Beta
0.99 (cat: 0.91)
Small Cap Fund  ยท  72 funds  ยท  Avg Score: 58/100  ยท  Category Meter โ†’
NAV History
Trailing Returns (CAGR)
Period Fund Benchmark Cat Min Cat Avg Cat Max Excess vs BM Excess vs Cat
1W 158.01% 40.77% โ€” โ€” โ€” 117.24% โ€”
1M -16.16% -32.18% โ€” โ€” โ€” 16.02% โ€”
3M -8.32% -24.18% โ€” โ€” โ€” 15.86% โ€”
6M 13.84% -1.54% โ€” โ€” โ€” 15.38% โ€”
1Y 14.82% -1.27% -5.63% 8.14% 26.71% 16.09% 6.68%
2Y 8.56% -2.48% โ€” โ€” โ€” 11.04% โ€”
3Y 15.19% -2.48% 0.00% 13.69% 27.05% 17.67% 1.50%
5Y 15.80% -2.48% 0.00% 11.49% 20.00% 18.28% 4.31%
7Y 23.76% -2.48% โ€” โ€” โ€” 26.24% โ€”
10Y 17.21% -2.48% โ€” โ€” โ€” 19.69% โ€”
SI 16.18% -2.48% โ€” โ€” โ€” 18.66% โ€”
Trailing Returns Chart
Calendar Year Returns
Rolling Return Statistics
All rolling windows vs benchmark โ€” full history
Window MinMaxMedianMean Win Rate (>0%)Win Rate (>8%) BM MedianBM Mean Outperform % Cat Avg
1Y Rolling -28.82% 119.32% 13.73% 17.24% 77.2% 59.9% 3.12% 3.25% 100.0% โ€”
2Y Rolling -22.78% 68.03% 13.99% 16.46% 85.0% 73.1% โ€” โ€” โ€” โ€”
3Y Rolling -11.64% 44.16% 17.83% 16.76% 92.5% 73.9% โ€” โ€” โ€” โ€”
5Y Rolling -3.85% 38.58% 16.15% 16.81% 97.2% 79.1% โ€” โ€” โ€” โ€”
7Y Rolling 11.02% 25.52% 17.19% 17.40% 100.0% 100.0% โ€” โ€” โ€” โ€”
10Y Rolling 12.76% 18.90% 16.11% 16.11% 100.0% 100.0% โ€” โ€” โ€” โ€”
Rolling Return Calculator
Inception: June 10, 2014  ยท  Latest NAV: โ€”
Rolling Window
Start Date
End Date
Rolling Returns Distribution (All Windows)
Bar = mean, error bar = min/max. BM shown beside. Right axis = % of periods beating BM.
๐Ÿงฎ SIP Simulator
10 yrs
Enter values and click Calculate.
๐Ÿ’ฐ Lumpsum Simulator
10 yrs
Enter values and click Calculate.
Risk Metrics โ€” 3 Years
Category Avg (Small Cap Fund)  ยท  Std Dev: 18.01%  ยท  Sharpe: 0.56  ยท  Sortino: 0.69  ยท  Max DD: -24.58%
Std Dev (Ann %)
19.01% (cat: 18.0%)
Sharpe Ratio
0.46 (cat: 0.56)
Sortino Ratio
0.57 (cat: 0.69)
Max Drawdown %
-25.86% (cat: -24.58%)
Beta
0.99 (cat: 0.91)
Alpha (Ann %)
17.54% (cat: 3.14)
R-Squared %
90.97%
Tracking Error %
5.81%
Info Ratio
3.03
Upside Capture %
102.1%
Downside Capture %
93.9%
Risk-Free Rate Used
6.50%
Risk Metrics โ€” 5 Years
Category Avg (Small Cap Fund)  ยท  Std Dev: 17.59%  ยท  Sharpe: 0.56  ยท  Sortino: 0.69  ยท  Max DD: -25.20%
Std Dev (Ann %)
17.50% (cat: 17.6%)
Sharpe Ratio
0.53 (cat: 0.56)
Sortino Ratio
0.63 (cat: 0.69)
Max Drawdown %
-25.86% (cat: -25.20%)
Beta
0.99
Alpha (Ann %)
18.15%
R-Squared %
90.97%
Tracking Error %
5.81%
Info Ratio
3.13
Upside Capture %
102.1%
Downside Capture %
93.9%
Benchmark
NIFTY SMALLCAP 250
Market Volatility Measures (3Y)
Upside Capture
102.1%
Downside Capture
93.9%
Max Drawdown
-25.86%
Quarterly Performance Analysis (Top 5 & Worst 5)

๐Ÿ“ˆ Upside Quarters (Top 5)

Quarter Fund Benchmark
Q2 2020 26.92% โ€”
Q1 2026 25.16% 24.02%
Q1 2021 19.97% โ€”
Q1 2023 19.57% โ€”
Q2 2022 18.11% โ€”
Total 31 upside quarter(s)

๐Ÿ“‰ Downside Quarters (Worst 5)

Quarter Fund Benchmark
Q4 2019 -23.53% โ€”
Q4 2024 -16.18% โ€”
Q4 2015 -9.38% โ€”
Q1 2022 -8.50% โ€”
Q3 2016 -8.00% โ€”
Total 19 downside quarter(s)
Year-wise Risk Metrics
Year Fund CAGR BM CAGR Alpha Beta Sharpe Sortino Max DD Upside Cap Downside Cap
2026 22.38% 3.16% 19.35% 1.01 0.78 1.15 -11.90% 108.5% 93.7%
2025 -4.67% -6.86% 1.70% 0.98 -0.57 -0.73 -24.52% 96.6% 94.6%
2024 24.84% โ€” โ€” โ€” 1.00 1.08 -9.18% โ€” โ€”
2023 43.26% โ€” โ€” โ€” 3.55 3.94 -5.37% โ€” โ€”
2022 -1.21% โ€” โ€” โ€” -0.45 -0.54 -18.50% โ€” โ€”
2021 62.21% โ€” โ€” โ€” 3.56 4.46 -6.51% โ€” โ€”
2020 30.59% โ€” โ€” โ€” 0.92 0.84 -33.35% โ€” โ€”
2019 2.89% โ€” โ€” โ€” -0.30 -0.54 -15.23% โ€” โ€”
2018 -19.74% โ€” โ€” โ€” -1.73 -2.43 -27.40% โ€” โ€”
2017 42.85% โ€” โ€” โ€” 3.08 4.17 -6.58% โ€” โ€”
2016 -3.08% โ€” โ€” โ€” -0.57 -0.67 -19.46% โ€” โ€”
2015 1.95% โ€” โ€” โ€” -0.27 -0.30 -10.72% โ€” โ€”
2014* 43.21% โ€” โ€” โ€” 2.44 2.93 -4.75% โ€” โ€”
Drawdown Chart
Crisis Period Behaviour

"Pre-inception" = fund didn't exist during that period. Hover the โ“˜ on each card for how to interpret it.

2018 IL&FS
-16.1%
Aug 2018 โ†’ Oct 2018
Rec: May 2019 (6 mo)
COVID-19
-35.0%
Jan 2020 โ†’ Mar 2020
Rec: Aug 2020 (4 mo)
Pre-inception
2008 GFC
โ€”
Jan 2008 โ†’ Mar 2009
2022 Rate Hike
-17.2%
Jan 2022 โ†’ Jun 2022
Rec: Dec 2022 (5 mo)
2015-16 China
-16.3%
Mar 2015 โ†’ Feb 2016
Rec: Nov 2016 (9 mo)
2024-25 Tariff
-22.5%
Sep 2024 โ†’ Apr 2025
Recovery TBD
๐Ÿ“– How to interpret these numbers
0% or positive โ€” Held up during crash (exceptional)
0% to -15% โ€” Mild damage, manageable drawdown
Below -15% โ€” Significant hit; check recovery speed
Recovery label โ€” Months from trough back to pre-crash peak
Market Regime Analysis
Reading the cards: โ‰ฅ15% Excellent 5โ€“15% Good 0โ€“5% Muted <0% Lost money | Click โ–ผ Per-window on any card to see each individual time window
๐Ÿ“ˆ Bull Market
Strong sustained uptrend (>20% from lows)
57.3% avg CAGR
69 months covered ยท 4 windows
Each row = one historical occurrence of this regime
Jun 2014 โ€“ Mar 2015
9 months 37.9%
Feb 2016 โ€“ Jan 2018
24 months 29.8%
Mar 2020 โ€“ Oct 2021
19 months 103.1%
Mar 2023 โ€“ Sep 2024
18 months 54.6%
๐Ÿ“‰ Bear Market
Sustained decline >20% from recent highs
-35.1% avg CAGR
22 months covered ยท 4 windows
Each row = one historical occurrence of this regime
Mar 2015 โ€“ Feb 2016
11 months -17.2%
Aug 2018 โ€“ Oct 2018
2 months -66.3%
Jan 2020 โ€“ Mar 2020
2 months -90.7%
Sep 2024 โ€“ Apr 2025
6 months -38.3%
โ†”๏ธ Sideways / Consolidation
Range-bound market, low trend conviction
-4.6% avg CAGR
17 months covered ยท 1 window
Each row = one historical occurrence of this regime
Oct 2021 โ€“ Mar 2023
17 months -4.6%
๐Ÿ”ฅ High Inflation Period
CPI/WPI elevated >6%; RBI tightening
-3.0% avg CAGR
14 months covered ยท 1 window
Each row = one historical occurrence of this regime
Jan 2022 โ€“ Feb 2023
14 months -3.0%
โœ‚๏ธ Rate Cut Cycle
RBI cutting repo rate; liquidity supportive
47.9% avg CAGR
36 months covered ยท 3 windows
Each row = one historical occurrence of this regime
Feb 2019 โ€“ Oct 2019
8 months 1.9%
Mar 2020 โ€“ Apr 2022
24 months 68.1%
Feb 2025 โ€“ Jun 2025
4 months 14.2%

โ„น๏ธ Regime windows are approximations based on Nifty 50 price action and RBI policy dates. Returns shown are fund NAV CAGR within covered dates only.

โš ๏ธ Benchmark Note: Index data shown is Price Index, not TRI (Total Return Index). TRI includes dividends and is typically 1-2% higher annually. SEBI mandates TRI for official benchmark comparison.
Sector Allocation
industrials
26.2%
financial_services
18.3%
consumer_cyclical
17.7%
basic_materials
14.1%
healthcare
12.2%
technology
4.9%
consumer_defensive
4.1%
realestate
1.5%
communication_services
0.7%
utilities
0.4%
energy
0.0%
Weightage by Market Cap
Large Cap 0.00%
Mid Cap 10.37%
Small Cap 18.77%
Asset Allocation
Equity 98.71%
Debt 0.00%
Cash 1.29%
Portfolio Summary
Category Avg (Small Cap Fund)  ยท  Turnover: 0.5%  (median: 0.4%)
Total Holdings
10
Top 10 Weight
29.14%
Portfolio Turnover
0.37% (cat avg: 0.5%)
Top Holdings
As of Oct 2026
# Security Sector Weight % Fwd P/E
1
Navin Fluorine International Ltd
 โ€”
3.67%
โ€”
2
Karur Vysya Bank Ltd
 โ€”
3.36%
โ€”
3
Gabriel India Ltd
 โ€”
3.35%
โ€”
4
Multi Commodity Exchange of India Ltd
 โ€”
3.16%
โ€”
5
GE Vernova T&D India Ltd
 โ€”
2.96%
โ€”
6
SJS Enterprises Ltd
 โ€”
2.77%
โ€”
7
Kirloskar Oil Engines Ltd
 โ€”
2.68%
โ€”
8
Hindustan Copper Ltd
 โ€”
2.42%
โ€”
9
Azad Engineering Ltd
 โ€”
2.41%
โ€”
10
Data Patterns (India) Ltd
 โ€”
2.37%
โ€”
Costs & Fees
Category Avg (Small Cap Fund)  ยท  Expense Ratio: 0.59%  (median: 0.58%)  ยท  Turnover: 0.5%
Expense Ratio
1.09% (cat avg: 0.59%)
Expense Ratio Date
30 Sep 2026
Portfolio Turnover
0.37% (cat avg: 0.5%)
CRISIL Rating
Very High Risk
Kuvera Rating
โ˜…โ˜…โ˜…โ˜…โ˜†
Investment Rules
Min Lumpsum
โ‚น1000
Min Additional
โ‚น1000
Min SIP
โ‚น500
SIP Available
โœ… Yes
Lock-in Period
None
Redemption Allowed
โœ… Yes
Tax Treatment
Equity Fund Tax Rules
• STCG (held <12 months): 20% flat
• LTCG (held >12 months): 12.5% on gains above โ‚น1.25 lakh
• ELSS: 3-year lock-in applies; LTCG rules apply
Benchmark
NIFTY SMALLCAP 250
SEBI-assigned category benchmark for this fund type.
Source: database
โš ๏ธ Data shown is Price Index, not TRI. TRI returns are typically 1-2% higher annually.
P
Pratik Dharmshi
Fund Manager ยท captnemo
AMC
Union Mutual Fund
Manager tenure/profile
Not exposed by current APIs
G
Gaurav Chopra
Fund Manager ยท captnemo
AMC
Union Mutual Fund
Manager tenure/profile
Not exposed by current APIs
Management Context
Fund HouseUnion Mutual Fund
Inception / First NAVJune 10, 2014
AUMRs 27319 Cr
Expense Ratio1.09%
Portfolio Turnover0.37%
Rating4/5
BenchmarkNIFTY SMALLCAP 250
Data Sourcecaptnemo
Portfolio Managed
Holdings Used
10
database
Sectors
11
Portfolio view
3Y Sharpe
0.46
NAV computed
3Y Drawdown
-25.9%
NAV computed
To achieve long term capital appreciation by investing in a portfolio consisting of equity and equity related securities, predominantly of small cap companies.
Computing fund scorecard & factor breakdownโ€ฆ
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