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

The Union Equity Savings Fund Direct - Growth is a 7 yrs 6 m old fund and has delivered average annual returns of 7.87% since inception. Union Equity Savings Fund Direct - Growth Returns 1-Year 3-Year 5-Year Since Inception 5.56% 8.38% 6.96% 7.87%

Question 1

What is the current NAV of Union Equity Savings Fund Direct - Growth?

Accepted Answer

The current Net Asset Value (NAV) of the Union Equity Savings Fund - Direct Growth plan is approximately ₹17.67 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The Union Equity Savings Fund Direct - Growth is a 7 yrs 6 m old fund and has delivered average annual returns of 7.87% since inception.

Union Equity Savings Fund Direct - Growth Returns

1-Year	3-Year	5-Year	Since Inception
5.56%	8.38%	6.96%	7.87%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Union Equity Savings Fund - Direct Growth has an expense ratio of 1.51%, 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 Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 144 Cr as on Dec 31, 2025.

Question 5

What are the top stock holdings of Union Equity Savings Fund?

Accepted Answer

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

Company	Percentage of Portfolio
HDFC Bank Ltd.	4.22%
Bajaj Finance Ltd.	3.59%
Indus Towers Ltd.	3.36%
ICICI Bank Ltd.	3.04%
Max Financial Services Ltd.	2.57%
Kotak Mahindra Bank Ltd.	2.34%
Reliance Industries Ltd.	2.29%
Bharti Airtel Ltd.	2.06%
Multi Commodity Exchange Of India Ltd.	2.03%
Larsen & Toubro Ltd.	1.71%

Question 6

What are the top sectors Union Equity Savings Fund has invested in?

Accepted Answer

The Union Equity Savings Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	4.22%
Bajaj Finance Ltd.	3.59%
Indus Towers Ltd.	3.36%
ICICI Bank Ltd.	3.04%
Max Financial Services Ltd.	2.57%
Kotak Mahindra Bank Ltd.	2.34%
Reliance Industries Ltd.	2.29%
Bharti Airtel Ltd.	2.06%
Multi Commodity Exchange Of India Ltd.	2.03%
Larsen & Toubro Ltd.	1.71%

Question 7

To whom does Union Equity Savings Fund lend to?

Accepted Answer

The top 3 debt holdings of Union Equity Savings Fund are as follows

Holding Name	Percentage of Portfolio
Power Finance Corporation Ltd.	7.05%
Reserve Bank of India	4.25%
Indian Railway Finance Corporation Ltd.	3.49%

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 Equity Savings Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
Power Finance Corporation Ltd.	7.05%
Reserve Bank of India	4.25%
Indian Railway Finance Corporation Ltd.	3.49%

Question 9

What is risk level of Union Equity Savings Fund?

Accepted Answer

This is a Equity Savings fund comes with Moderate 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 Equity Savings 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 Equity Savings 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 Equity Savings Fund is complete.

Question 12

How can I redeem my investments in Union Equity Savings Fund?

Accepted Answer

Redeeming your investments in the Union Equity Savings 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	1.51% as on Feb 02, 2026
Exit load	1.0% Exit load of 1%, if redeemed within 15 days.!
AUM (Fund size)	₹144 Cr
Lock-in Period	Nil
Age	7 yrs 6 m since Jul 19, 2018
Benchmark	CRISIL Equity Saving
Min. investment	SIP: ₹1000 & Lumpsum: ₹1000
Risk	Moderate
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Period	This fund	Category average
1 Month	-1.4%	-1.08%
3 Months	-0.79%	-0.37%
6 Months	1.15%	1.9%
1 Year	5.56%	6.79%
2 Years	5.92%	7.44%
3 Years	8.38%	9.84%
4 Years	6.92%	8.13%
5 Years	6.96%	8.52%
7 Years	8.08%	9.02%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Union Equity Savings Fund	-1.4%	1.15%	5.56%	8.38%	6.96%	N.A.
Edelweiss Equity Savings Fund	-1.19%	3.0%	8.54%	12.11%	10.31%	10.33%
Kotak Equity Savings Fund	-2.74%	2.81%	7.46%	11.86%	10.94%	10.42%
UTI Equity Savings Fund	-0.96%	4.4%	8.48%	11.6%	10.67%	7.27%
Sundaram Equity Savings Fund	-1.7%	1.59%	7.4%	12.78%	10.91%	10.32%
DSP Equity Savings Fund	-0.84%	1.8%	6.54%	10.81%	9.66%	9.5%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Union Equity Savings Fund	3.9	0.52	0.6	0.97
Edelweiss Equity Savings Fund	3.48	0.44	1.64	2.27
Kotak Equity Savings Fund	5.21	0.69	1.07	1.3
UTI Equity Savings Fund	4.04	0.55	1.32	1.89
Sundaram Equity Savings Fund	5.1	0.65	1.22	2.14
DSP Equity Savings Fund	3.64	0.47	1.18	2.51

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Union Equity Savings Fund	N.A.	144 Cr	7 yrs 6 m	1.51%
Edelweiss Equity Savings Fund	N.A.	1,195 Cr	11 yrs 4 m	0.61%
Kotak Equity Savings Fund	N.A.	9,651 Cr	11 yrs 4 m	0.69%
UTI Equity Savings Fund	N.A.	810 Cr	7 yrs 5 m	0.67%
Sundaram Equity Savings Fund	N.A.	1,207 Cr	13 yrs 1 m	0.72%
DSP Equity Savings Fund	N.A.	3,905 Cr	9 yrs 10 m	0.65%

Union Equity Savings Fund Direct - Growth

Historical NAV & returns

Union Equity Savings Fund overview

Union Equity Savings Fund Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

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

About this fund

About Union Equity Savings Fund

Fund managers

Investment objective

Union Mutual Fund details

More funds from Union Mutual Fund

Frequently asked questions

Union Equity Savings Fund Direct - Growth Returns

ET Money rank

Alpha	-0.07 vs. 3.94 Underperformed at beating benchmark
Sharpe	0.6 vs. 3.84 Poor risk-adjusted returns
Beta	0.52 vs. 0.93 Less sensitive to market ups & downs
Standard deviation	3.9 vs. 3.72 More volatile performance

Fund AUM	144 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

No. of schemes	29 view all schemes
Total AUM	25,989 Cr as on Dec 31, 2025
Address	Unit 503, 5th Floor, Leela Business Park, Andheri Kurla Road, Andheri (East) Mumbai, 400059
Email	investorcare@unionmf.com
Phone	(022) 6748 3300

Fund name	ETM Rank	AUM	1Y	5Y
Union Aggressive Hybrid Fund	N.A.	689 Cr	8.04%	12.54%
Union Balanced Advantage Fund	N.A.	1,347 Cr	7.16%	8.9%
Union Arbitrage Fund	N.A.	274 Cr	6.48%	6.26%
Union Multi Asset Allocation Fund	N.A.	837 Cr	23.43%	N.A.

Sector	Percentage of Portfolio
Financial	22.06%
Automobile	5.64%
Communication	5.42%
Construction	4.93%
Consumer Staples	4.8%
Technology	4.24%
Services	4.19%
Energy	3.6799999999999997%
Healthcare	2.8399999999999994%
Consumer Discretionary	2.5%

Credit Quality	Percentage of Portfolio
Cash	33.66%
AAA	14.01%
Cash & Call Money	13.12%