Q: What are the returns of this mutual fund scheme?

The Union Balanced Advantage Fund Direct - Growth is a 7 yrs 10 m old fund and has delivered average annual returns of 10.83% since inception. Union Balanced Advantage Fund Direct - Growth Returns 1-Year 3-Year 5-Year Since Inception 7.8% 12.11% 12.04% 10.83%

Question 1

What is the current NAV of Union Balanced Advantage Fund Direct - Growth?

Accepted Answer

The current Net Asset Value (NAV) of the Union Balanced Advantage Fund - Direct Growth plan is approximately ₹22.41 as of Oct 20, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The Union Balanced Advantage Fund Direct - Growth is a 7 yrs 10 m old fund and has delivered average annual returns of 10.83% since inception.

Union Balanced Advantage Fund Direct - Growth Returns

1-Year	3-Year	5-Year	Since Inception
7.8%	12.11%	12.04%	10.83%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Union Balanced Advantage Fund - Direct Growth has an expense ratio of 1.0%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The Union Balanced Advantage Fund currently has assets under management (AUM) or fund size valued at approximately 1,345 Cr as on Sep 30, 2025.

Question 5

What are the top stock holdings of Union Balanced Advantage Fund?

Accepted Answer

The Union Balanced Advantage Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	5.37%
Reliance Industries Ltd.	3.66%
ICICI Bank Ltd.	3.43%
Bharti Airtel Ltd.	3.27%
Eternal Ltd.	2.29%
Larsen & Toubro Ltd.	2.05%
State Bank of India	1.91%
Kotak Mahindra Bank Ltd.	1.77%
Hindustan Unilever Ltd.	1.76%
Infosys Ltd.	1.74%

Question 6

What are the top sectors Union Balanced Advantage Fund has invested in?

Accepted Answer

The Union Balanced Advantage Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	5.37%
Reliance Industries Ltd.	3.66%
ICICI Bank Ltd.	3.43%
Bharti Airtel Ltd.	3.27%
Eternal Ltd.	2.29%
Larsen & Toubro Ltd.	2.05%
State Bank of India	1.91%
Kotak Mahindra Bank Ltd.	1.77%
Hindustan Unilever Ltd.	1.76%
Infosys Ltd.	1.74%

Question 7

To whom does Union Balanced Advantage Fund lend to?

Accepted Answer

The top 3 debt holdings of Union Balanced Advantage Fund are as follows

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	3.03%
Small Industries Devp. Bank of India Ltd.	3.01%
Power Grid Corporation Of India Ltd.	3.01%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The Union Balanced Advantage Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	3.03%
Small Industries Devp. Bank of India Ltd.	3.01%
Power Grid Corporation Of India Ltd.	3.01%

Question 9

What is risk level of Union Balanced Advantage Fund?

Accepted Answer

This is a Dynamic Asset Allocation fund comes with Very High risk.

Question 10

Is there any lock-in period in this mutual fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 11

How do I invest in Union Balanced Advantage Fund Direct - Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Union Balanced Advantage Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Union Balanced Advantage Fund is complete.

Question 12

How can I redeem my investments in Union Balanced Advantage Fund?

Accepted Answer

Redeeming your investments in the Union Balanced Advantage Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	1.0% as on Sep 30, 2025
Exit load	1.0% Exit load of 1%, if redeemed within 15 days.!
AUM (Fund size)	₹1,345 Cr
Lock-in Period	Nil
Age	7 yrs 10 m since Dec 07, 2017
Benchmark	NIFTY 50 Hybrid Composite Debt 50:50 Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Very High

Period	This fund	Category average
1 Month	2.24%	2.21%
3 Months	2.94%	2.61%
6 Months	6.93%	6.71%
1 Year	7.8%	7.18%
2 Years	13.93%	15.77%
3 Years	12.11%	14.01%
4 Years	9.52%	11.38%
5 Years	12.04%	14.61%
7 Years	12.24%	12.65%

Alpha	0.44 vs. 3.9 Underperformed at beating benchmark
Sharpe	0.74 vs. 3.73 Poor risk-adjusted returns
Beta	0.67 vs. 0.76 Less sensitive to market ups & downs
Standard deviation	6.57 vs. 5.57 More volatile performance

Fund AUM	1,345 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

No. of schemes	29 view all schemes
Total AUM	23,799 Cr as on Sep 30, 2025
Address	Unit 503, 5th Floor, Leela Business Park, Andheri Kurla Road, Andheri (East) Mumbai, 400059
Email	investorcare@unionmf.com
Phone	(022) 6748 3300

Union Balanced Advantage Fund Direct - Growth

Historical NAV & returns

Union Balanced Advantage Fund overview

Union Balanced Advantage Fund Returns calculator

Trailing returns as on Oct 25, 2025

Asset allocationas on Sep 30, 2025

Key risk & return ratios Compared to other funds in the category

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Union Balanced Advantage Fund Direct - Growth Returns

ET Money rank

Fund name	ETM Rank	AUM	1Y	5Y
Union Aggressive Hybrid Fund	N.A.	654 Cr	8.14%	N.A.
Union Equity Savings Fund	N.A.	136 Cr	5.65%	8.79%
Union Arbitrage Fund	N.A.	300 Cr	6.7%	6.05%
Union Multi Asset Allocation Fund	N.A.	778 Cr	17.24%	N.A.

Sector	Percentage of Portfolio
Financial	20.84%
Automobile	6.35%
Consumer Staples	6.140000000000001%
Energy	5.380000000000001%
Services	4.790000000000001%
Technology	4.54%
Healthcare	4.16%
Capital Goods	4.0200000000000005%
Communication	3.27%
Construction	2.5%

Credit Quality	Percentage of Portfolio
AAA	18.16%
Cash	10.07%
Cash & Call Money	6.48%