Union Flexi Cap Fund

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

The Union Flexi Cap Fund is a 14 yrs 4 m old fund and has delivered average annual returns of 11.99% since inception. Union Flexi Cap Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception -3.7% 15.4% 19.5% 12.79% 11.99%

Q: How much does this mutual fund charge as expense ratio?

The Union Flexi Cap Fund has an expense ratio of 2.02% , 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.

NAV as of Sep 29, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹50.51+0.06% 1 day change	11.99% p.a.	App exclusive #NA View Ranked Funds	₹2,321 Cr

Historical NAV & returns

NAV: ₹50.51 as on Sep 29, 2025

This fund Category average

Union Flexi Cap Fund overview

AUM (Fund size)	₹2,321 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 15 days.!
Lock-in Period	Nil
Age	14 yrs 4 m since May 20, 2011
Benchmark	BSE 500 TRI
Min. investment	This scheme is currently not buyable
Expense ratio	2.02% as on Aug 31, 2025
Plan type	Regular
Risk	Very High
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%

Union Flexi Cap Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 30, 2025

Period	This fund	Category average
1 Month	0.14%	-0.04%
3 Months	-2.9%	-2.56%
6 Months	7.49%	7.85%
1 Year	-3.7%	-4.91%
2 Years	13.86%	16.01%
3 Years	15.4%	16.67%
4 Years	10.67%	12.03%
5 Years	19.5%	20.42%
7 Years	15.11%	15.22%
10 Years	12.79%	14.08%

View returns in detail

Asset allocationas on Aug 31, 2025

Large Cap 62.93%

Mid Cap 19.87%

Small Cap 14.62%

Other Cap 0%

Top holdings

HDFC Bank Ltd.7.67%

ICICI Bank Ltd.5.48%

Reliance Industries Ltd.4.09%

Bharti Airtel Ltd.3.46%

Top sectors

Financial 30.220000000000002%

Capital Goods 9.459999999999999%

Automobile 8.92%

Services 8.62%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Reserve Bank of India 0.05%

Allocation by Instruments

Repo 3.12%

Treasury Bills 0.05%

Other Holdings

Others 3.12%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Union Flexi Cap Fund	0.14%	7.49%	-3.7%	15.4%	19.5%	12.79%
HDFC Flexi Cap Fund	0.83%	8.47%	2.67%	23.38%	29.12%	16.24%
Parag Parikh Flexi Cap Fund	1.15%	7.6%	3.82%	22.0%	21.93%	18.19%
JM Flexicap Fund	0.36%	6.52%	-10.98%	22.89%	26.02%	16.81%
Edelweiss Flexi Cap Fund	-0.35%	6.92%	-6.65%	18.26%	21.58%	14.38%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Union Flexi Cap Fund	12.63	0.91	0.61	0.84
HDFC Flexi Cap Fund	11.22	0.81	1.25	2.34
Parag Parikh Flexi Cap Fund	8.9	0.59	1.41	2.07
JM Flexicap Fund	14.97	1.02	0.94	1.36
Edelweiss Flexi Cap Fund	13.56	0.98	0.76	1.16

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Union Flexi Cap Fund	N.A.	2,321 Cr	14 yrs 4 m	2.02%
HDFC Flexi Cap Fund	N.A.	81,936 Cr	30 yrs 9 m	1.37%
Parag Parikh Flexi Cap Fund	N.A.	1,15,040 Cr	12 yrs 4 m	1.28%
JM Flexicap Fund	N.A.	5,943 Cr	17 yrs 1 m	1.8%
Edelweiss Flexi Cap Fund	N.A.	2,777 Cr	10 yrs 8 m	1.92%

View all Flexi Cap funds

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

Alpha	0.43 vs. 4.7 Underperformed at beating benchmark
Sharpe	0.61 vs. 4.0 Poor risk-adjusted returns
Beta	0.91 vs. 0.78 More sensitive to market's ups & downs
Standard deviation	12.63 vs. 10.08 More volatile performance

Compare Union Flexi Cap Fund in detail with

About this fund

About Union Flexi Cap Fund

Union Flexi Cap Fund is a Flexi Cap mutual fund scheme from Union Mutual Fund. This fund has been in existence for 14 yrs 4 m, having been launched on 20/05/2011. Union Flexi Cap Fund has ₹2,321 Crores worth of assets under management (AUM) as on 31/08/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Union Flexi Cap Fund as of 29/09/2025 is ₹50.51. The fund has an expense ratio of 2.02%, which is higher than what most other Flexi Cap funds charge.

Union Flexi Cap Fund returns of last 1-year are -4.46%. Since launch, it has delivered 11.98% average annual returns. The fund has doubled the money invested in it every 5 yrs.
Union Flexi Cap Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund has the majority of its money invested in Financial, Capital Goods, Automobile, Services, Technology sectors. It has taken less exposure in Financial, Capital Goods sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Reliance Industries Ltd., Bharti Airtel Ltd., Maruti Suzuki India Ltd..

...

Fund AUM	2,321 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

Fund managers

Sanjay Bembalkar

Mr. Bembalkar has done B.Com, M.Sc. (Accounting and Finance), ACA, CFA Charterholder. Prior to joining Union Mutual Fund, he has worked with Canara Robeco Asset Management Company Ltd, LIC Mutual Fund, Quantum Advisors Pvt. Ltd and Autonomous Research LLP

Vinod Malviya

Mr. Malviya has done Bachelors of Management Studies, Masters in Financial Management and CFA (Level-III cleared) Prior to joining Union Mutual Fund, he was associated with Florintree Advisors Pvt. Ltd., East India Securities Ltd. and Amit Nalin Securities Pvt. Ltd.

Investment objective

The scheme seeks to achieve long-term capital appreciation by investing substantially in a portfolio consisting of equity and equity related securities across market capitalisation.

Union Mutual Fund details

No. of schemes	28 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

More funds from Union Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Union Small Cap Fund	N.A.	1,658 Cr	-5.65%	25.06%
Union Midcap Fund	N.A.	1,508 Cr	-3.84%	24.31%
Union Value Fund	N.A.	332 Cr	-4.03%	21.79%
Union ELSS Tax Saver Fund	N.A.	895 Cr	-3.91%	20.21%
Union Large & Midcap Fund	N.A.	887 Cr	-3.82%	19.36%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of Union Flexi Cap Fund?

The current Net Asset Value (NAV) of the Union Flexi Cap Fund plan is approximately ₹50.51 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The Union Flexi Cap Fund is a 14 yrs 4 m old fund and has delivered average annual returns of 11.99% since inception.

Union Flexi Cap Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
-3.7%	15.4%	19.5%	12.79%	11.99%

How much does this mutual fund charge as expense ratio?

The Union Flexi Cap Fund has an expense ratio of 2.02%, 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.

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

The Union Flexi Cap Fund currently has assets under management (AUM) or fund size valued at approximately 2,321 Cr as on Aug 31, 2025.

What are the top stock holdings of Union Flexi Cap Fund?

The Union Flexi Cap Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	7.67%
ICICI Bank Ltd.	5.48%
Reliance Industries Ltd.	4.09%
Bharti Airtel Ltd.	3.46%
Maruti Suzuki India Ltd.	3.19%
Infosys Ltd.	2.95%
Larsen & Toubro Ltd.	2.95%
Max Financial Services Ltd.	2.69%
JIO Financial Services Ltd.	2.55%
GE Vernova T&D India Ltd.	2.22%

What are the top sectors Union Flexi Cap Fund has invested in?

The Union Flexi Cap Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	30.220000000000002%
Capital Goods	9.459999999999999%
Automobile	8.92%
Services	8.62%
Technology	6.220000000000001%
Healthcare	5.7299999999999995%
Consumer Staples	5.62%
Energy	5.47%
Construction	5.3100000000000005%
Communication	3.46%

What is risk level of Union Flexi Cap Fund?

This is a Flexi Cap fund comes with Very High risk.

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

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

How can I redeem my investments in Union Flexi Cap Fund?

Redeeming your investments in the Union Flexi Cap 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.

ET Money rank

App exclusive

in Flexi Cap

#NA

Return Outperformance: This fund has generated highest return amongst Flexi Cap funds in the last 10 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1%, if redeemed within 15 days.