Union Low Duration Fund

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

The Union Low Duration Fund has an expense ratio of 0.97% , 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 Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹10.2549+0.03% 1 day change	2.43%	App exclusive #NA View Ranked Funds	₹1,000 Cr

Historical NAV & returns

NAV: ₹10.2549 as on Feb 02, 2026

This fund Category average

Union Low Duration Fund overview

AUM (Fund size)	₹1,000 Cr
Exit load	0%
Lock-in Period	Nil
Age	7 m since Jun 26, 2025
Benchmark	NIFTY Low Duration Debt Index A-I
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	0.97% as on Feb 02, 2026
Plan type	Regular
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Union Low Duration 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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.12%	0.2%
3 Months	0.89%	0.95%
6 Months	2.18%	2.33%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 74.74%

AA+ 12.64%

A1+ 7.35%

SOV 3.03%

Top Debt Holdings

National Bank For Agriculture & Rural Development 9.02%

PNB Housing Finance Ltd. 5.03%

Power Finance Corporation Ltd. 5.02%

Indian Railway Finance Corporation Ltd. 5.02%

Allocation by Instruments

Debenture 48.19%

Non Convertible Debenture 22.56%

Repo 19.85%

Bonds 11.6%

Other Holdings

Others 19.85%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Union Low Duration Fund	0.12%	2.18%	N.A.	N.A.	N.A.	N.A.
UTI Low Duration Fund	0.21%	2.67%	7.14%	7.33%	7.19%	6.1%
DSP Low Duration Fund	0.17%	2.37%	6.66%	7.01%	5.84%	6.64%
Sundaram Low Duration Fund	0.15%	2.26%	6.35%	6.69%	7.11%	5.84%
LIC MF Low Duration Fund	0.15%	2.31%	6.42%	6.71%	5.51%	6.01%
Bandhan Low Duration Fund	0.18%	2.41%	6.73%	7.01%	5.83%	6.67%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Union Low Duration Fund	N.A.	N.A.	N.A.	N.A.
UTI Low Duration Fund	0.46	0.67	2.07	3.12
DSP Low Duration Fund	0.47	0.7	1.4	1.85
Sundaram Low Duration Fund	0.47	0.69	0.77	1.06
LIC MF Low Duration Fund	0.47	0.69	0.82	1.2
Bandhan Low Duration Fund	0.47	0.69	1.43	1.92

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Union Low Duration Fund	N.A.	1,000 Cr	7 m	0.97%
UTI Low Duration Fund	N.A.	2,667 Cr	22 yrs 10 m	0.41%
DSP Low Duration Fund	N.A.	5,609 Cr	10 yrs 11 m	0.62%
Sundaram Low Duration Fund	N.A.	472 Cr	21 yrs 5 m	1.21%
LIC MF Low Duration Fund	N.A.	1,938 Cr	22 yrs 8 m	1.23%
Bandhan Low Duration Fund	N.A.	6,613 Cr	20 yrs	0.66%

View all Low Duration funds

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

Risk ratios are based on three-year data. The required data is unavailable for the scheme.

Compare Union Low Duration Fund in detail with

About this fund

About Union Low Duration Fund

Union Low Duration Fund is a Low Duration mutual fund scheme from Union Mutual Fund. This fund has been in existence for 7 m, having been launched on 26/06/2025. Union Low Duration Fund has ₹1,000 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Union Low Duration Fund as of 02/02/2026 is ₹10.25. The fund has an expense ratio of 0.97%, which is higher than what most other Low Duration funds charge.

The fund's credit profile is high indicating it has lent to borrowers whose quality is great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in National Bank For Agriculture & Rural Development, PNB Housing Finance Ltd., Power Finance Corporation Ltd., Indian Railway Finance Corporation Ltd., HDB Financial Services Ltd..

...

Fund AUM	1,000 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Investment objective

The scheme seeks to provide reasonable returns and liquidity by investing in a range of debt and money market instruments while maintaining the balance of safety, liquidity and returns such that the Macaulay Duration of the portfolio is between 6 months to 12 months.

Union Mutual Fund details

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

More funds from Union Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Union Corporate Bond Fund	N.A.	607 Cr	6.49%	7.0%
Union Liquid Fund	N.A.	5,729 Cr	6.35%	6.94%
Union Money Market Fund	N.A.	120 Cr	6.32%	6.43%
Union Overnight Fund	N.A.	438 Cr	5.56%	6.26%
Union Dynamic Bond Fund	N.A.	103 Cr	1.95%	5.6%
Union Gilt Fund	N.A.	107 Cr	0.88%	5.32%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Union Low Duration Fund?

The current Net Asset Value (NAV) of the Union Low Duration Fund plan is approximately ₹10.2549 as of Feb 02, 2026.

How much does this mutual fund charge as expense ratio?

The Union Low Duration Fund has an expense ratio of 0.97%, 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 Low Duration Fund currently has assets under management (AUM) or fund size valued at approximately 1,000 Cr as on Dec 31, 2025.

To whom does Union Low Duration Fund lend to?

The top 3 debt holdings of Union Low Duration Fund are as follows

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	9.02%
PNB Housing Finance Ltd.	5.03%
Power Finance Corporation Ltd.	5.02%

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

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Union Low Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	74.74%
AA+	12.64%
A1+	7.35%

What is risk level of Union Low Duration Fund?

This is a Low Duration fund comes with Low to Moderate 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 Low Duration Fund?

Redeeming your investments in the Union Low Duration 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.