Should I invest in Union Balanced Advantage Fund?

We don't give personal investment advice. Union Balanced Advantage Fund - Direct Plan - Growth Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.9%. 5-year CAGR: 7.95%.

Union

Union Balanced Advantage Fund - Direct Plan - Growth Option

Latest NAV

₹21.4300

As of

3 Jun 2026

2,066 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.14%	+0.09%	+0.05	18 / 37	Q2
1W	-1.15%	-1.03%	-0.13	24 / 37	Q3
2W	-0.46%	-0.05%	-0.41	28 / 37	Q4
1M	-1.74%	-0.84%	-0.90	33 / 37	Q4
3M	-2.90%	-0.70%	-2.19	35 / 37	Q4
6M	-4.32%	-2.95%	-1.38	24 / 36	Q3
YTD	-4.41%	-3.14%	-1.27	23 / 35	Q3
1Y	+0.19%	+1.34%	-1.15	23 / 35	Q3
2Y	+2.84%	+3.74%	-0.89	23 / 34	Q3
3Y	+8.81%	+9.42%	-0.61	24 / 29	Q4
4Y	+9.13%	+11.06%	-1.93	20 / 23	Q4
5Y	+7.95%	+9.89%	-1.94	16 / 18	Q4
7Y	+10.18%	+10.91%	-0.73	12 / 16	Q3
10Y	—	—	—	—	—
Inception	+9.46%	+8.05%	+1.42	19 / 37	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-4.41%	-3.14%	-1.27	23 / 35
2025	+6.66%	+6.42%	+0.24	18 / 34
2024	+11.15%	+14.12%	-2.97	26 / 31
2023	+16.80%	+19.93%	-3.13	22 / 26
2022	+3.94%	+5.24%	-1.30	15 / 23
2021	+10.49%	+15.64%	-5.15	15 / 17
2020	+22.61%	+13.59%	+9.02	3 / 17
2019	+10.47%	+9.20%	+1.27	6 / 14
2018	+2.69%	+2.19%	+0.50	6 / 12

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+11.24%

91 windows

min -12.9% · max 51.7%

98% positive

3-Year rolling

+12.16%

67 windows

min 8.8% · max 18.1%

100% positive

5-Year rolling

+11.88%

42 windows

min 7.9% · max 15.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+11.16%

18 windows

min 10.0% · max 12.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

7.97%

3-year · annualised

Sharpe ratio

0.29

vs risk-free 6.5%

Sortino ratio

0.44

Downside-only deviation

Max drawdown

-8.93%

Feb 2026 → Mar 2026

% positive months

77.8%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Balanced Advantage Fund

Scheme	Fund house	NAV	As of
HDFC Balanced Advantage Fund - Growth Plan - Direct Plan	HDFC	₹549.0620	3 Jun 2026
Nippon India Balanced Advantage Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹201.7847	3 Jun 2026
SBI Balanced Advantage Fund - Direct Plan - Growth	SBI	₹16.3194	3 Jun 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth	ICICI Prudential	₹84.1900	3 Jun 2026
Invesco India Balanced Advantage Fund - Direct Plan - Growth	Invesco	₹61.1200	3 Jun 2026
BANDHAN Balanced Advantage Fund Direct Plan Growth	Bandhan	₹28.4650	3 Jun 2026
quant Dynamic Asset Allocation Fund - Growth Option - Direct Plan	Quant	₹17.2733	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth Option	Aditya Birla Sun Life	₹124.2700	3 Jun 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Direct Plan - Growth Option	Motilal Oswal	₹20.2454	3 Jun 2026
Franklin India Balanced Advantage Fund- Growth- Direct	Franklin India	₹14.8560	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.4300
2 Jun 2026	₹21.4600
1 Jun 2026	₹21.4300
29 May 2026	₹21.5800
27 May 2026	₹21.7500
26 May 2026	₹21.7100
25 May 2026	₹21.7500
22 May 2026	₹21.5700
21 May 2026	₹21.5700
20 May 2026	₹21.5700

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Union Balanced Advantage Fund - Direct Plan - Growth Option is ₹21.4300. It's a Balanced Advantage Fund from Union, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Union Balanced Advantage Fund - Direct Plan - Growth Option has NAV history starting from 05 Jan 2018, a track record of about 8 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Union Balanced Advantage Fund - Direct Plan - Growth Option is managed by Union. It's classified by AMFI under the 'Balanced Advantage Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Balanced Advantage Fund - Direct Plan - Growth Option has delivered a absolute return of 0.19% — -1.15 pp behind the Balanced Advantage Fund category average of 1.34%. The fund ranks #23 of 35 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union Balanced Advantage Fund - Direct Plan - Growth Option has delivered a CAGR of 8.81% — -0.61 pp behind the Balanced Advantage Fund category average of 9.42%. The fund ranks #24 of 29 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Union Balanced Advantage Fund - Direct Plan - Growth Option has delivered a CAGR of 7.95% — -1.94 pp behind the Balanced Advantage Fund category average of 9.89%. The fund ranks #16 of 18 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Union Balanced Advantage Fund - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹146,585 today — a multiplier of 1.47×, based on the 5-year CAGR of 7.95%. The category average over the same window would have grown ₹1 lakh to ₹160,215.

A ₹10,000 monthly SIP in Union Balanced Advantage Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹716,074 today. That's an XIRR (money-weighted annualised return) of 7.00%.

Union Balanced Advantage Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,151,968 — XIRR 8.87%.

On a 5-year basis, Union Balanced Advantage Fund - Direct Plan - Growth Option ranks #16 out of 18 funds in the Balanced Advantage Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.89%; this fund delivered 7.95%.

The worst peak-to-trough decline Union Balanced Advantage Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 8.93% — its NAV fell from a high on 18 Feb 2026 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Union Balanced Advantage Fund - Direct Plan - Growth Option averaged 11.88% (best 15.17%, worst 7.87%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, Union Balanced Advantage Fund - Direct Plan - Growth Option returned 6.66% — beating the Balanced Advantage Fund category average of 6.42% by 0.24 pp. It ranked #18 of 34 in its category that year.

Union Balanced Advantage Fund - Direct Plan - Growth Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Union Balanced Advantage Fund - Direct Plan - Growth Option is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.9%. 5-year CAGR: 7.95%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Union Balanced Advantage Fund - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Balanced Advantage Fund

Recent NAVs

Frequently asked questions

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