Q: What are the returns of Union Equity Savings Fund?

The Union Equity Savings Fund is a 7 yrs old fund and has delivered average annual returns of 8.37% since inception. Union Equity Savings Fund Returns 1-Year 3-Year 5-Year Since Inception 4.91% 9.4% 9.07% 8.37%

Question 1

What is the current NAV of Union Equity Savings Fund?

Accepted Answer

The current Net Asset Value (NAV) of the Union Equity Savings Fund - Direct Growth plan is approximately ₹17.52 as of Jul 21, 2025.

Question 2

What are the returns of Union Equity Savings Fund?

Accepted Answer

The Union Equity Savings Fund is a 7 yrs old fund and has delivered average annual returns of 8.37% since inception.

Union Equity Savings Fund Returns

1-Year	3-Year	5-Year	Since Inception
4.91%	9.4%	9.07%	8.37%

Question 3

How much does Union Equity Savings Fund charge as the expense ratio?

Accepted Answer

The Union Equity Savings Fund - Direct Growth has an expense ratio of 1.46%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

Question 4

What is the AUM or size of Union Equity Savings Fund?

Accepted Answer

The Union Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately ₹138 Crs crore as of Jun 30, 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.	3.62%
Indus Towers Ltd.	3.22%
Reliance Industries Ltd.	2.91%
Bharti Airtel Ltd.	2.77%
Kotak Mahindra Bank Ltd.	2.54%
Axis Bank Ltd.	2.49%
Interglobe Aviation Ltd.	2.36%
ICICI Bank Ltd.	2.32%
Tube Investments Of India Ltd.	2.3%
Tata Consultancy Services Ltd.	1.87%

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.	3.62%
Indus Towers Ltd.	3.22%
Reliance Industries Ltd.	2.91%
Bharti Airtel Ltd.	2.77%
Kotak Mahindra Bank Ltd.	2.54%
Axis Bank Ltd.	2.49%
Interglobe Aviation Ltd.	2.36%
ICICI Bank Ltd.	2.32%
Tube Investments Of India Ltd.	2.3%
Tata Consultancy Services Ltd.	1.87%

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
Reserve Bank of India	11.02%
Indian Railway Finance Corporation Ltd.	3.74%
Small Industries Devp. Bank of India Ltd.	3.65%

Question 8

What is the quality of borrowers Union Equity Savings Fund 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
Reserve Bank of India	11.02%
Indian Railway Finance Corporation Ltd.	3.74%
Small Industries Devp. Bank of India Ltd.	3.65%

Question 9

What is the 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 Union Equity Savings Fund?

Accepted Answer

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

Question 11

How do I invest in Union Equity Savings Fund?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

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 and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in 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 Union Equity Savings Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

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

Expense ratio	1.46% as on May 31, 2025
Exit load	1.0% Exit load of 1%, if redeemed within 15 days.!
AUM (Fund size)	₹138 Cr
Lock-in Period	Nil
Age	7 yrs since Jul 19, 2018
Benchmark	CRISIL Equity Saving
Min. investment	This scheme is currently not buyable
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	0.34%	0.31%
3 Months	2.28%	2.88%
6 Months	5.04%	5.39%
1 Year	4.91%	7.12%
2 Years	9.21%	11.63%
3 Years	9.4%	11.61%
4 Years	7.68%	9.81%
5 Years	9.07%	11.9%

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Union Equity Savings Fund	N.A.	138 Cr	7 yrs	1.46%
Kotak Equity Savings Fund	N.A.	8,254 Cr	10 yrs 10 m	0.66%
Edelweiss Equity Savings Fund	N.A.	639 Cr	10 yrs 10 m	0.6%
UTI Equity Savings Fund	N.A.	687 Cr	6 yrs 11 m	0.69%
HDFC Equity Savings Fund	N.A.	5,546 Cr	12 yrs 6 m	0.88%
Sundaram Equity Savings Fund	N.A.	1,049 Cr	12 yrs 6 m	0.63%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Union Equity Savings Fund	0.34%	5.04%	4.91%	9.4%	9.07%	N.A.
Kotak Equity Savings Fund	0.4%	5.53%	6.26%	13.14%	12.79%	10.15%
Edelweiss Equity Savings Fund	0.95%	6.24%	9.56%	12.93%	12.16%	9.88%
UTI Equity Savings Fund	-0.22%	5.08%	6.31%	12.4%	13.03%	6.87%
HDFC Equity Savings Fund	-0.1%	5.26%	5.91%	12.08%	13.6%	10.72%
Sundaram Equity Savings Fund	0.05%	6.62%	9.17%	14.0%	13.46%	10.15%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Union Equity Savings Fund	4.24	0.54	0.83	1.33
Kotak Equity Savings Fund	5.05	0.62	1.35	1.69
Edelweiss Equity Savings Fund	3.89	0.48	1.65	2.41
UTI Equity Savings Fund	4.43	0.56	1.47	2.22
HDFC Equity Savings Fund	4.72	0.6	1.31	2.03
Sundaram Equity Savings Fund	5.44	0.65	1.47	2.63

Union Equity Savings Fund Direct - Growth

Historical NAV & returns

Union Equity Savings Fund overview

Union Equity Savings Fund Returns calculator

Trailing returns as on Jul 22, 2025

Asset allocationas on May 31, 2025

Peer comparison

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

Compare Union Equity Savings Fund in detail with

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 Returns

ET Money rank

Alpha	-0.12 vs. 5.13 Underperformed at beating benchmark
Sharpe	0.83 vs. 4.66 Poor risk-adjusted returns
Beta	0.54 vs. 1.11 Less sensitive to market ups & downs
Standard deviation	4.24 vs. 4.34 More stable returns

Fund AUM	138 Cr as on May 31, 2025
Scheme document	View Scheme Document

No. of schemes	26 view all schemes
Total AUM	21,203 Cr as on Jun 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

Fund name	ETM Rank	AUM	1Y	5Y
Union Aggressive Hybrid Fund	N.A.	652 Cr	6.51%	N.A.
Union Balanced Advantage Fund	N.A.	1,383 Cr	4.99%	12.56%
Union Arbitrage Fund	N.A.	263 Cr	7.2%	5.95%
Union Multi Asset Allocation Fund	N.A.	785 Cr	N.A.	N.A.

Sector	Percentage of Portfolio
Financial	15.870000000000001%
Communication	5.99%
Energy	5.68%
Automobile	5.66%
Services	5.549999999999999%
Consumer Staples	5.45%
Technology	4.790000000000001%
Consumer Discretionary	3.48%
Construction	3.32%
Healthcare	2.9299999999999997%

Credit Quality	Percentage of Portfolio
Cash	36.72%
Cash & Call Money	13.77%
SOV	11.02%