Union Equity Savings Fund
Equity Savings · Union Asset Management Company Private Limited
Among the 127 funds in its category, this one has grown money at about the average pace. ₹1 lakh invested 5 years ago would be about ₹1.3 lakh today. Investing ₹10,000 every month for the last 5 years would have put in ₹6.1 lakh and grown it to about ₹7.1 lakh. Be warned: in its worst stretch, ₹1 lakh briefly shrank to about ₹85,630. Its ride has historically been comparatively steady.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.Union Equity Savings Fund is a Equity Savings fund from Union Asset Management Company Private Limited. It has a track record of about 8.1 years. As of the latest data it carries an RS rating of 71/99 (its recent momentum versus category peers) and a King Score of 61/100 (a long-term quality composite). The current NAV is ₹18.05 (as of 2026-09-16).
Growth of ₹100 - last 5 years
Union Equity Savings Fund returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | -1.42% | -0.96% |
| 3 months | 0.89% | 1.25% |
| 6 months | 3.03% | 3.61% |
| 1 year | 2.79% | 4.25% |
| 3 years (CAGR) | 6.41% | 8.38% |
| 5 years (CAGR) | 5.97% | 7.71% |
The last 5 years return is 5.97% a year (₹1 lakh → ₹1.3 lakh), and the last 3 years return is 6.41% - behind its category's 8.38% average by 2.0 points. Its trailing one-year return is 2.79%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | Union Equity Savings F | Benchmark |
|---|---|---|
| 2019 | +8.9% | +7.7% |
| 2020 | +11.6% | +16.7% |
| 2021 | +9.4% | +30.2% |
| 2022 | +2.4% | +3.0% |
| 2023 | +12.0% | +25.8% |
| 2024 | +8.9% | +15.2% |
| 2025 | +5.5% | +6.7% |
| 2026 | +1.0% | -5.8% |
Union Equity Savings Fund beat its benchmark in 2 of the last 8 calendar years. A below-par hit-rate versus its own index is worth weighing against its other strengths. Consistency against the benchmark matters more than any single great year.
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
What a monthly SIP in Union Equity Savings Fund would have made
A ₹10,000-a-month SIP, using this fund's actual NAV history. SIP returns (XIRR) differ from lumpsum CAGR because your money goes in gradually, averaging your entry price.
| SIP duration | You invested | It became | XIRR |
|---|---|---|---|
| 3 years | ₹370,000 | ₹397,175 | 4.66% |
| 5 years | ₹610,000 | ₹713,260 | 6.19% |
Over 5 years, ₹610,000 invested in monthly instalments would have grown to about ₹713,260 - an XIRR of 6.19%. Figures are pre-tax and assume you stayed invested throughout.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | -14.37% | -14.76% |
| Worst drawdown (3Y) | -4.4% | -4.54% |
| Volatility (1Y) | 6.21% | 5.26% |
| Sharpe (3Y) | -0.01 | 0.41 |
| Sortino (3Y) | 0.08 | 0.66 |
| Beta (3Y) | 0.3 | 0.29 |
| Alpha (3Y) | -0.59% | 1.32% |
| Up capture | 36.0% | 36.36% |
| Down capture | 26.6% | 21.89% |
| Bull-market return | 12.6% | 14.34% |
| Bear-market return | -6.6% | -7.83% |
Timing matters more than people admit: the best possible 1-year stretch in Union Equity Savings Fund (starting 2020-03-23) gained 31.6%, while the worst (starting 2019-03-22) lost 7.9%. The worst peak-to-bottom fall Union Equity Savings Fund has ever put investors through is -14.37% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about -6.6% annualised, versus 12.6% in rising markets. It has captured roughly 36.0% of its benchmark's up-moves and 26.6% of its down-moves.
How Union Equity Savings Fund behaves when markets fall
When the market is falling (the Nifty below its 200-day average), Union Equity Savings Fund has historically returned about -6.6% annualised, versus roughly 12.6% when the market is rising. Its deepest fall on record is -14.37%. Right now it sits about 1.47% below its all-time high (last hit 2026-08-13). The real question isn't the average year - it's whether you could hold on through the worst one.
How Union Equity Savings Fund ranks in its category
Percentile versus its ~127 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
| Measure | Value |
|---|---|
| Median 3Y rolling CAGR | 8.4% |
| 3Y windows positive | 100.0% |
| Worst 3Y window | 6.65% |
| 3Y windows beating Nifty 500 | 0.0% |
| Median 5Y rolling CAGR | 8.74% |
Instead of one lucky start date, rolling returns test every start date. Across all 3-year windows in its history, Union Equity Savings Fund returned a median of 8.4% a year, and 100.0% of those windows were positive.
What Union Equity Savings Fund holds
Its latest monthly portfolio disclosure. This is what your money actually owns.
Top holdings
Sector allocation
The top 10 holdings make up 30.2% of the portfolio, across 73 stocks. A higher concentration means the fund's fortunes ride on fewer names.
Portfolio overlap with similar funds
Union Equity Savings Fund shares Edelweiss Equity Savings Fund (21%), Edelweiss Equity Savings Fund (21%), HSBC Equity Savings Fund (1%) of its portfolio with these category peers (overlap = the slice of the two portfolios invested in the same stocks). The lower the overlap, the more genuinely different the portfolios are.
Cost & fund basics
| Detail | Value |
|---|---|
| Exit load | ≈1% if redeemed within 1 year (typical) |
| Minimum investment | ₹1000 |
| Fund size (AUM) | ₹140 Cr |
| Age | 8.1 years |
| Plan / Option | Direct · Growth |
| Benchmark | NIFTY500 |
How Union Equity Savings Fund compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| Edelweiss Equity Savings Fund | 96 | 90 | 11.1% |
| Edelweiss Equity Savings Fund | 95 | 90 | 11.1% |
| HSBC Equity Savings Fund | 94 | 89 | 12.7% |
| Baroda BNP Paribas Equity Savings Fund | 86 | 85 | 9.0% |
| Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) | 60 | 85 | 8.6% |
| Kotak Equity Savings Fund | 87 | 82 | 9.9% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
Union Equity Savings Fund review: the bottom line
Related
Frequently asked questions
Is Union Equity Savings Fund a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, Union Equity Savings Fund scores 61/100 on our King Score and RS 71/99 within its category, has compounded 6.41% a year over three years, and its worst drawdown was -14.37%. Compare those against your needs and the peer table above.
What is the NAV of Union Equity Savings Fund today?
The latest NAV is ₹18.05 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
Is Union Equity Savings Fund safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was -14.37% - ₹1 lakh briefly becoming about ₹85,630. As a equity fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is Union Equity Savings Fund good for SIP?
We can't tell you what to do, but here is what actually happened: a ₹10,000 monthly SIP over the last 5 years grew ₹6.1 lakh into about ₹7.1 lakh (XIRR 6.19%). SIPs average your entry price, which helps most in funds that swing hard - check the crash-behaviour section above to see how it treats investors in bad markets.
What are the SIP returns of Union Equity Savings Fund?
A ₹10,000/month SIP over 5 years would have grown to about ₹713,260 (an XIRR of 6.19%) on ₹610,000 invested, using the fund's actual NAV history. See the SIP table above for other durations.
How does Union Equity Savings Fund rank among similar funds?
On 3-year returns it sits around the 53th percentile of its category, and its consistency ranks 75th percentile. 100th is best-in-class, 50th is average. See the category-ranking section above.
Is Union Equity Savings Fund tax-efficient / what about capital gains?
As a equity fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
See Union Equity Savings Fund live in the MF Terminal
Everything above is a static snapshot. The terminal is where you actually research it:
- Interactive price chart with EMAs & RSI
- The RS line plotted against its benchmark
- Full holdings, sector mix & portfolio overlap
- Point-in-time backtester & portfolio doctor
- Compare it side-by-side with any peer
- Screen 1,600+ funds on the same metrics
Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.