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

Union Mutual Fund · AMFI: 145473 · ISIN: INF582M01EK4
Latest NAV
โ‚น29.71
as of Nov. 3, 2026
1Y: -4.65%
3Y: +11.37%
Fund Information
04 Nov 2026 ยท captnemo
Fund House
Union Mutual Fund
Category
Equity Scheme - Value Fund
AUM
โ‚น3777.0 Cr
Expense Ratio
1.51%
Min SIP
โ‚น500.0
Min Lumpsum
โ‚น1000.0
Fund Start Date
05 Dec 2018
Lock-in Period
None
๐Ÿ’ฐ Fund AUM Trend
Current: โ‚น3777.0 Cr
Investment Objective

The investment objective of the scheme is to seek to generate long term capital appreciation by investing substantially in a portfolio of equity and equity related securities of companies which are undervalued (or are trading below their intrinsic value).

Trailing Returns
Full Analysis โ†’
Period Fund Benchmark Cat Min Cat Avg Cat Max Excess vs BM Excess vs Cat
1W 380.12% 63.83% โ€” โ€” โ€” 316.29% โ€”
1M 14.61% -1.71% โ€” โ€” โ€” 16.32% โ€”
3M -20.42% -26.49% โ€” โ€” โ€” 6.07% โ€”
6M -2.84% -7.48% โ€” โ€” โ€” 4.64% โ€”
1Y -4.66% -7.86% -7.39% 7.18% 27.44% 3.20% -11.84%
2Y 0.96% -2.12% โ€” โ€” โ€” 3.08% โ€”
3Y 11.09% -2.12% 5.90% 16.78% 35.29% 13.21% -5.69%
5Y 10.90% -2.12% 0.00% 14.17% 27.15% 13.02% -3.27%
7Y 15.62% -2.12% โ€” โ€” โ€” 17.74% โ€”
10Y 14.65% -2.12% โ€” โ€” โ€” 16.77% โ€”
SI 14.65% -2.12% โ€” โ€” โ€” 16.77% โ€”
Risk Snapshot (3Y)
Sharpe Ratio
0.31 (cat: 0.62)
Max Drawdown
-17.68% (cat: -19.74%)
Std Dev (Ann)
14.85% (cat: 16.6%)
Beta
0.99 (cat: 0.87)
Value Fund  ยท  35 funds  ยท  Avg Score: 57/100  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 380.12% 63.83% โ€” โ€” โ€” 316.29% โ€”
1M 14.61% -1.71% โ€” โ€” โ€” 16.32% โ€”
3M -20.42% -26.49% โ€” โ€” โ€” 6.07% โ€”
6M -2.84% -7.48% โ€” โ€” โ€” 4.64% โ€”
1Y -4.66% -7.86% -7.39% 7.18% 27.44% 3.20% -11.84%
2Y 0.96% -2.12% โ€” โ€” โ€” 3.08% โ€”
3Y 11.09% -2.12% 5.90% 16.78% 35.29% 13.21% -5.69%
5Y 10.90% -2.12% 0.00% 14.17% 27.15% 13.02% -3.27%
7Y 15.62% -2.12% โ€” โ€” โ€” 17.74% โ€”
10Y 14.65% -2.12% โ€” โ€” โ€” 16.77% โ€”
SI 14.65% -2.12% โ€” โ€” โ€” 16.77% 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 -34.34% 106.16% 10.86% 17.87% 88.8% 56.5% 1.13% 2.31% 100.0% โ€”
2Y Rolling -0.80% 52.63% 19.85% 19.22% 99.3% 88.7% โ€” โ€” โ€” โ€”
3Y Rolling 6.69% 37.11% 19.57% 19.48% 100.0% 99.4% โ€” โ€” โ€” โ€”
5Y Rolling 10.80% 31.80% 19.39% 19.36% 100.0% 100.0% โ€” โ€” โ€” โ€”
7Y Rolling 14.34% 18.16% 16.64% 16.51% 100.0% 100.0% โ€” โ€” โ€” โ€”
Rolling Return Calculator
Inception: Dec. 5, 2018  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 (Value Fund)  ยท  Std Dev: 16.61%  ยท  Sharpe: 0.62  ยท  Sortino: 0.76  ยท  Max DD: -19.74%
Std Dev (Ann %)
14.85% (cat: 16.6%)
Sharpe Ratio
0.31 (cat: 0.62)
Sortino Ratio
0.38 (cat: 0.76)
Max Drawdown %
-17.68% (cat: -19.74%)
Beta
0.99 (cat: 0.87)
Alpha (Ann %)
13.03% (cat: 10.39)
R-Squared %
94.48%
Tracking Error %
3.33%
Info Ratio
3.95
Upside Capture %
97.5%
Downside Capture %
95.5%
Risk-Free Rate Used
6.50%
Risk Metrics โ€” 5 Years
Category Avg (Value Fund)  ยท  Std Dev: 15.96%  ยท  Sharpe: 0.59  ยท  Sortino: 0.76  ยท  Max DD: -19.98%
Std Dev (Ann %)
14.56% (cat: 16.0%)
Sharpe Ratio
0.30 (cat: 0.59)
Sortino Ratio
0.38 (cat: 0.76)
Max Drawdown %
-17.68% (cat: -19.98%)
Beta
0.99
Alpha (Ann %)
12.84%
R-Squared %
94.48%
Tracking Error %
3.33%
Info Ratio
3.89
Upside Capture %
97.5%
Downside Capture %
95.5%
Benchmark
NIFTY 500
Market Volatility Measures (3Y)
Upside Capture
97.5%
Downside Capture
95.5%
Max Drawdown
-17.68%
Quarterly Performance Analysis (Top 5 & Worst 5)

๐Ÿ“ˆ Upside Quarters (Top 5)

Quarter Fund Benchmark
Q1 2020 24.04% โ€”
Q3 2020 22.01% โ€”
Q1 2023 13.48% โ€”
Q3 2023 13.43% โ€”
Q2 2021 12.72% โ€”
Total 23 upside quarter(s)

๐Ÿ“‰ Downside Quarters (Worst 5)

Quarter Fund Benchmark
Q4 2019 -28.06% โ€”
Q4 2025 -11.65% -14.01%
Q1 2022 -8.86% โ€”
Q3 2024 -5.61% โ€”
Q4 2024 -5.28% โ€”
Total 9 downside quarter(s)
Year-wise Risk Metrics
Year Fund CAGR BM CAGR Alpha Beta Sharpe Sortino Max DD Upside Cap Downside Cap
2026 -5.64% -9.72% 3.73% 1.00 -0.76 -1.09 -11.08% 100.5% 98.4%
2025 7.42% 4.64% 2.89% 0.97 0.07 0.10 -13.49% 94.9% 92.6%
2024 17.62% โ€” โ€” โ€” 0.70 0.74 -8.06% โ€” โ€”
2023 34.06% โ€” โ€” โ€” 2.90 4.15 -6.44% โ€” โ€”
2022 4.61% โ€” โ€” โ€” -0.11 -0.15 -16.44% โ€” โ€”
2021 32.92% โ€” โ€” โ€” 1.63 2.19 -7.86% โ€” โ€”
2020 17.89% โ€” โ€” โ€” 0.39 0.39 -32.95% โ€” โ€”
2019 5.45% โ€” โ€” โ€” -0.08 -0.14 -11.79% 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.

Pre-inception
2018 IL&FS
โ€”
Aug 2018 โ†’ Oct 2018
COVID-19
-37.7%
Jan 2020 โ†’ Mar 2020
Rec: Aug 2020 (4 mo)
Pre-inception
2008 GFC
โ€”
Jan 2008 โ†’ Mar 2009
2022 Rate Hike
-15.2%
Jan 2022 โ†’ Jun 2022
Rec: Dec 2022 (5 mo)
Pre-inception
2015-16 China
โ€”
Mar 2015 โ†’ Feb 2016
2024-25 Tariff
-16.2%
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)
65.7% avg CAGR
37 months covered ยท 2 windows
Each row = one historical occurrence of this regime
Mar 2020 โ€“ Oct 2021
19 months 82.6%
Mar 2023 โ€“ Sep 2024
18 months 47.9%
๐Ÿ“‰ Bear Market
Sustained decline >20% from recent highs
-45.0% avg CAGR
8 months covered ยท 2 windows
Each row = one historical occurrence of this regime
Jan 2020 โ€“ Mar 2020
2 months -92.7%
Sep 2024 โ€“ Apr 2025
6 months -28.6%
โ†”๏ธ Sideways / Consolidation
Range-bound market, low trend conviction
-3.8% avg CAGR
17 months covered ยท 1 window
Each row = one historical occurrence of this regime
Oct 2021 โ€“ Mar 2023
17 months -3.8%
๐Ÿ”ฅ High Inflation Period
CPI/WPI elevated >6%; RBI tightening
0.7% avg CAGR
14 months covered ยท 1 window
Each row = one historical occurrence of this regime
Jan 2022 โ€“ Feb 2023
14 months 0.7%
โœ‚๏ธ Rate Cut Cycle
RBI cutting repo rate; liquidity supportive
35.6% avg CAGR
36 months covered ยท 3 windows
Each row = one historical occurrence of this regime
Feb 2019 โ€“ Oct 2019
8 months -1.5%
Mar 2020 โ€“ Apr 2022
24 months 49.5%
Feb 2025 โ€“ Jun 2025
4 months 24.0%

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
financial_services
30.4%
industrials
15.3%
consumer_cyclical
12.3%
healthcare
7.6%
technology
7.5%
basic_materials
6.9%
energy
5.6%
communication_services
4.6%
utilities
3.9%
consumer_defensive
3.7%
realestate
2.3%
Weightage by Market Cap
Large Cap 31.79%
Mid Cap 0.00%
Small Cap 2.20%
Asset Allocation
Equity 96.52%
Debt 0.00%
Cash 3.48%
Portfolio Summary
Category Avg (Value Fund)  ยท  Turnover: 0.6%  (median: 0.5%)
Total Holdings
10
Top 10 Weight
33.99%
Portfolio Turnover
0.62% (cat avg: 0.6%)
Top Holdings
As of Oct 2026
# Security Sector Weight % Fwd P/E
1
ICICI Bank Ltd
 โ€”
6.71%
โ€”
2
HDFC Bank Ltd
 โ€”
3.91%
โ€”
3
Reliance Industries Ltd
 โ€”
3.82%
โ€”
4
State Bank of India
 โ€”
3.07%
โ€”
5
Axis Bank Ltd
 โ€”
3.06%
โ€”
6
NTPC Ltd
 โ€”
2.95%
โ€”
7
Shriram Finance Ltd
 โ€”
2.92%
โ€”
8
Bharti Airtel Ltd
 โ€”
2.91%
โ€”
9
Maruti Suzuki India Ltd
 โ€”
2.45%
โ€”
10
Larsen & Toubro Ltd
 โ€”
2.20%
โ€”
Costs & Fees
Category Avg (Value Fund)  ยท  Expense Ratio: 1.13%  (median: 1.08%)  ยท  Turnover: 0.6%
Expense Ratio
1.51% (cat avg: 1.13%)
Expense Ratio Date
30 Sep 2026
Portfolio Turnover
0.62% (cat avg: 0.6%)
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 500
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.
V
Vinod Malviya
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 NAVDec. 5, 2018
AUMRs 3777 Cr
Expense Ratio1.51%
Portfolio Turnover0.62%
Rating3/5
BenchmarkNIFTY 500
Data Sourcecaptnemo
Portfolio Managed
Holdings Used
10
database
Sectors
11
Portfolio view
3Y Sharpe
0.31
NAV computed
3Y Drawdown
-17.7%
NAV computed
The investment objective of the scheme is to seek to generate long term capital appreciation by investing substantially in a portfolio of equity and equity related securities of companies which are undervalued (or are trading below their intrinsic value).
Computing fund scorecard & factor breakdownโ€ฆ
Loading peer funds in the same categoryโ€ฆ
Loading NAV history for analysisโ€ฆ