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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Dynamic Bond • CRISIL Dynamic Bond Index
Union Dynamic Bond(G)-Direct Plan
1 Finance Rank:
20
201 Finance Score:
56100
Yield To Maturity Score
39
Quality & Diversification Score
100
Standard Deviation Score
52
Modified Duration Score
59
AUM Score
36
Historical Performance score
38
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 92 Cr(As on 31-Mar-2026)NAV
₹ 24.3566(As on 26-May-2026)Expense Ratio
1.27%(As on 31-Mar-2026)Investment Horizon
3 to 5 years
20
Debt • Dynamic Bond • CRISIL Dynamic Bond Index
Union Dynamic Bond(G)-Direct Plan
This fund ranks 20th out of 22 funds in its category.
AUM₹ 92 Cr(As on 31-Mar-2026)
NAV₹ 24.3566(As on 26-May-2026)
Expense Ratio1.27%(As on 31-Mar-2026)
Investment Horizon3 to 5 years
1 Finance Score: 56/100
Yield To Maturity Score
39
Quality & Diversification Score
100
Standard Deviation Score
52
Modified Duration Score
59
AUM Score
36
Historical Performance score
38
Fundamental Ratios
Modified Duration
7.74 yearsAverage Maturity
25.84 yearsYield To Maturity
7.74%Standard Deviation
-Portfolio summary
Asset Allocation
Debt
Others
92.99%
7.01%
Credit Rating
SOV
74.68%
AAA
16.21%
Cash Eqv.
6.65%
AA
0.00%
Others
0.00%
Debt Sector Allocation
G-Sec
74.68%
Finance
16.21%
Cash & Cash Equivalents
6.65%
Bank
2.09%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 06.90% GOI - 15-Apr-2065 | 44.10% |
| 06.68% GOI - 07-Jul-2040 | 18.91% |
| 07.24% GOI - 18-Aug-2055 | 14.57% |
| Tri-Party Repo (TREPS) | 5.21% |
| Indian Railway Finance Corpn Ltd SR-134 08.30% (25-Mar-2029) | 5.06% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Ability to significantly outperform benchmark returns.
Cons
There is a possibility of lower returns as the fund maintains a low Yield to Maturity (YTM).
Low AUM may result in limited portfolio diversification.
Historically, the fund has generated low returns.
Exhibits a relatively high level of volatility, indicated by its elevated standard deviation.
High modified duration indicates higher sensitivity to interest rate changes, suggesting higher risk for the fund.
Should you invest?
Invest if you are :
- Investors with a 1 to 3 years of investment horizon with a moderate risk appetite should invest in this fund.
- The ability of the fund manager to correctly predict the direction of interest rates determines performance.
Avoid if you are :
- Short term investors and those who take very low risks should avoid this fund.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To actively manage a portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and liquidity to the investors.
Exit Load
- NIL
Minimum investment amount
Lumpsum
₹ 1000 (open for subscription)
Other details
Founded In2013
Email Addressinvestorcare@unionmf.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Parijat Agrawal | 17.9 | 5 |
About Union MF
- Union Mutual Fund combines decades of market experience with research-led strategies to offer a balanced mix of mutual fund products. Its investment philosophy focuses on delivering consistent results while maintaining risk transparency.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more
We look where past returns don't
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more