Popular searches
Get to know your policy better
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
Hybrid • Equity Savings Fund • Crisil Equity Savings Index
Union Equity Savings Fund(G)-Direct Plan
1 Finance Rank:
19
191 Finance Score:
43100
Sharpe Score
39
Sortino Score
22
Jensen's Score
9
Treynor Score
26
Yield To Maturity Score
53
Quality & Diversification Score
100
Modified Duration Score
93
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 138 Cr(As on 31-Mar-2026)NAV
₹ 17.69(As on 24-Apr-2026)Drawdown
4%Crash Recovery
130 daysNo. of Stocks
76(As on 31-Mar-2026)Expense Ratio
1.53%(As on 31-Mar-2026)
19
Hybrid • Equity Savings Fund • Crisil Equity Savings Index
Union Equity Savings Fund(G)-Direct Plan
This fund ranks 19th out of 23 funds in its category.
AUM₹ 138 Cr(As on 31-Mar-2026)
NAV₹ 17.69(As on 24-Apr-2026)
Drawdown
4%
Crash Recovery
130 days
No. of Stocks76(As on 31-Mar-2026)
Expense Ratio1.53%(As on 31-Mar-2026)
1 Finance Score: 43/100
Sharpe Score
39
Sortino Score
22
Jensen's Score
9
Treynor Score
26
Yield To Maturity Score
53
Quality & Diversification Score
100
Modified Duration Score
93
Rolling Returns
| Avg. Rolling Returns | 1 year | 3 year | 5 year | 7 year |
|---|
| Avg. Rolling Returns |
|---|
| 1 Years |
| 3 Years |
| 5 Years |
| 7 Years |
“80% of mutual fund schemes lose 25% or more value due to commissions in 10 years.” Source: 1 Finance Research
Fundamental Ratios
Score Trend
1000
Equity Scheme Ratios
Sharpe Ratio
0.09Sortino Ratio
0.15Treynor Ratio
0.1Jensen's Alpha
0.021%Information Ratio
0.04P/E ratio
37P/B ratio
6Fund Age
7 yearsR-Squared
2%Debt Ratios
Modified Duration
1.56 yearsAverage Maturity
2.08 yearsYield To Maturity
6.03%Standard Deviation
0.26%*Most top-ranked mutual funds won't hold their rank for long. Source: 1 Finance Research
Portfolio summary
Asset Allocation
Equity
Debt
Others
67.23%
22.68%
10.09%
Market Capitalisation
Large Cap
43.67%
Mid Cap
15.38%
Small Cap
5.92%
Others
35.04%
Sector Allocation
Finance
24.5%
Bank
19.07%
Telecom
5.18%
Automobile & Ancillaries
4.51%
Others
42.66%
Credit Rating
Others
100.00%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Tri-Party Repo (TREPS) | 9.85% |
| Power Finance Corpn. Ltd. SR-247 A 07.44% (15-Jan-2030) | 7.05% |
| HDFC Bank Ltd. | 4.22% |
| Bajaj Finance Ltd. | 3.59% |
| Indian Railway Finance Corpn Ltd SR-186 7.25% (17-Jan-2035) | 3.49% |
*Most active equity funds don't beat their own benchmark over the long run. Source: 1 Finance Research
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Under debt allocation, the fund has a relatively low modified duration indicating it is less affected by changes in market interest rates, suggesting lower risk for the fund.
Under the debt allocation portfolio, the fund holds high quality bonds and securities, along with a well diversified portfolio.
Cons
High expense ratio compared to its category average.
The fund has low historical risk adjusted returns.
During periods of market volatility, this fund's risk management strategy falls short of providing adequate protection to investors.
Limited ability to outperform the benchmark.
Within the debt allocation, the fund may experience the potential for lower returns due to its maintenance of a low Yield to Maturity (YTM).
Should you invest?
Invest if you are :
- Conservative investors seeking reduced exposure to equity while aiming for potentially better inflation adjusted returns with lower volatility should consider investing in this fund
Avoid if you are :
- If you are searching for aggressive equity investments to generate high returns, should avoid this fund.
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
Equity Oriented Fund
If sold before 1 year
- short-term capital gains taxed at 20%.
If sold after 1 year
- long-term capital gains above ₹1.25 lakh taxed at 12.5%.
Scheme Details
Scheme Objective
- To seek capital appreciation and/or to generate consistent returns by actively investing in acombination of diversified equity and equity related instruments, arbitrage and derivative strategiesand exposure in debt and money market instruments.
Exit Load
- 1% on or before 15D, Nil after 15D
Minimum investment amount
Lumpsum
₹ 1000 (open for subscription)
Other details
Founded In2018
Email Addressinvestorcare@unionmf.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Sanjay Bembalkar | 4 | 2.83 |
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
Your data security is our top priority
Through a secure infrastructure, RSA-256 encryption, disaster recovery protocols
Frequently Asked Questions
If hybrid mutual funds are meant to manage risk, why avoid them?
Because risk management should match your financial personality, not a template, Hybrid mutual funds rebalance based on their mandate, not as per your changing life goals or market views. Effective risk management needs customization, not a one-size-fits-all product.
Can hybrid mutual funds create portfolio overlap?
Yes, very easily. Most investors already own equity and debt funds in their portfolios. Adding a hybrid fund means you are unknowingly buying more of what you already have. That muddies your real asset allocation and makes it harder to track performance or rebalance intelligently. You can check for duplicate schemes in your portfolio with a Mutual Fund Overlap Calculator.
Are hybrid funds tax-efficient?
Not necessarily. Their tax treatment depends on how much their equity allocation is. Since different assets are taxed differently, it may be difficult to clearly track which part is driving your tax income. When you invest separately in equity, debt, and gold, you get cleaner, more predictable tax control. Hybrid funds blur that line and often limit your ability to make tax-smart moves.
Do hybrid funds suit any type of investor?
They suit investors who prioritise convenience over optimisation. If someone doesn’t want to think about asset allocation at all and accepts higher costs, hybrid mutual funds can work. But for anyone seeking clarity, lower fees, and alignment with personal financial goals, a customised multi-fund approach is superior.
Is it difficult to manage separate equity, debt, and gold funds, as compared to hybrid mutual funds?
No. Modern platforms make this straightforward. You choose allocations based on your goals, and a Qualified Financial Advisor (QFA) can help you set a rebalancing strategy. You get the same outcome hybrid funds promise, only cheaper, clearer, and more personalized.
Why does 1 Finance avoid recommending hybrid mutual funds?
We believe asset allocation should be personalized rather than generic, as every investor has unique needs. Hybrid mutual funds can dilute transparency, add avoidable costs, limit flexibility, and create overlaps. A personalized mix of equity, debt, and gold funds gives stronger control over risk, tax, and long-term outcomes, something hybrid funds simply can't match.
Should I consult a professional before skipping or exiting a hybrid mutual fund?
Yes. Asset allocation affects your entire financial journey. It must be personalized based on life goals that may evolve with time. A Qualified Financial Advisor (QFA) can help you evaluate your current portfolio, understand tax implications, and design the right allocation for your financial personality and long-term goals.
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