Union Equity Savings Fund
NAV
₹18.31
as of 21 Aug 2026
Union Equity Savings Fund is an open-ended Equity Savings scheme from Union Mutual Fund managing ₹115 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹18.31 as of 21 Aug 2026. The expense ratio is 1.25% a year. Managed by Parijat Agrawal. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 1.25% / yr
- as of 30 Jun 2026
- Fund size
- ₹115 crore
- as of 31 Jul 2026
- Exit load
- 1%
- SIP available
- Yes
- Launched
- 6 Aug 2018
- ISIN
- INF582M01EC1
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: Hybrid Equity Savings Benchmark
Union Equity Savings Fund
₹138
+38% on ₹100 over 5.0 yrs
Equity Savings average
₹151
+51% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 3.22% | 3.21% | +0.01 |
| 6 months | 1.78% | 2.29% | -0.51 |
| 1 year | 4.22% | 4.96% | -0.74 |
| 3 years (CAGR) | 7.59% | 9.27% | -1.68 |
| 5 years (CAGR) | 6.71% | 8.66% | -1.95 |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- 0.1%
- Median
- 5.6%
- Best
- 15.7%
49 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Oct 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 7.2%
- Median
- 8.2%
- Best
- 10.2%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 2 Mar 2022. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.18
- Sharpe ratio (5Y)
- 0.22
- Sortino ratio (3Y)
- 0.26 vs category 0.51
- Standard deviation (3Y)
- 4.89%
- Deepest fall (5Y)
- -3.97%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-4.0%
Right now
-0.2% below peak
Where the money actually is
Equity
38.6%
Bonds
17.7%
Cash
43.6%
Whole-portfolio split, as of 30 Jun 2026. Equity here is the NET position: this fund holds shares and sells futures against them, so the two largely cancel. The holdings below are gross, before that offset.
What it owns
108 positions · top 10 = 27.7%
Market-cap mix (equity sleeve)
Large 26.8%Mid 7.4%Small 8.3%Other 57.4%
as of 30 Jun 2026
Holdings by sector
Financial Services(2 in top 10)21.8%
- HDFC Bank Ltd3.84%
- Bajaj Finance Ltd3.68%
- Industrials8.1%
- Consumer Cyclical6.7%
- Consumer Defensive5.8%
- Healthcare5.8%
Communication Services(1 in top 10)4.4%
- Indus Towers Ltd Ordinary Shares3.11%
- Basic Materials4.4%
- Utilities3.5%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 30 Jun 2026. Portfolio turnover 152.3% vs category 127.5% a year.
Other top holdings
- Treps7.38%
- Power Finance Corporation Limitedmatures 15 Jan 20307.14%
- National Bank For Agriculture And Rural Developmentmatures 23 Feb 20297.08%
- Indian Railway Finance Corporation Limitedmatures 17 Jan 20353.52%
- Future on Bajaj Finance Ltdderivativematures 28 Jul 20263.16%
- Indus Towers Ltd. 28.07.2026matures 28 Jul 20263.13%
- India (Republic of)2.81%
Rows marked derivative are futures positions held against the shares listed beside them. A stock and its future largely cancel, so do not add the two together. Exposure figures are gross: funds that use derivatives (arbitrage, hedged books) hold offsetting positions, so concentration and turnover can read above 100%.
The debt it holds (debt sleeve)
- Yield to maturity
- 6.37% vs category 6.63%
- Modified duration
- 1.89 yrs vs category 2.24 yrs
- Average maturity
- 2.42 yrs vs category 3.07 yrs
- Average coupon
- 7.33%
- Government securities
- 13.4%
Credit quality
- AAA
- 100.0%
Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 30 Jun 2026.
Portfolio characteristics as of 30 Jun 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.
Money in, money out
- Net flow, 12 months
- −₹48 cr
- Net flow, 3 months
- −₹31 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Union Equity Savings Fund?
- ₹18.31 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Union Equity Savings Fund?
- 1.25% a year for the Direct plan, as of 30 Jun 2026.
- How large is Union Equity Savings Fund?
- ₹115 crore under management as of 31 Jul 2026, in the Equity Savings category.
- How risky is Union Equity Savings Fund?
- Its SEBI Riskometer reading is "Moderately High Risk". Mostly debt with a measured equity slice for growth.
- What are the 5-year returns of Union Equity Savings Fund?
- 6.71% a year over the last 5 years (Direct plan, CAGR), against a Equity Savings average of 8.66%. Past returns do not predict future returns.
- What is the worst 3-year return of Union Equity Savings Fund?
- 7.2% a year — the weakest of 25 overlapping 3-year holding periods, beginning 2 Mar 2022. The median was 8.2% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Union Equity Savings Fund?
- Parijat Agrawal, managing this fund for 8 years.
Where this fund sits
Its shelf, all funds
Ch · Conservative hybrid →
Mostly debt with a measured equity slice for growth.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Equity Savings funds
- ICICI Prudential Equity Savings Fund₹16,179 crore
- Kotak Equity Savings Fund₹10,409 crore
- HDFC Equity Savings Fund₹5,699 crore
- SBI EQUITY SAVINGS FUND₹5,558 crore
- Baroda BNP Paribas Equity Savings Fund₹286 crore
- WhiteOak Capital Equity Savings Fund₹273 crore
- PGIM India Equity Savings Fund₹60 crore
- quant Equity Savings Fund₹55 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (Hybrid Equity Savings Benchmark) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.