Should I invest in Union Balanced Advantage Fund?

We don't give personal investment advice. Union Balanced Advantage Fund - Direct Plan - IDCW 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: 11.8%. 5-year CAGR: 6.99%.

Union

Union Balanced Advantage Fund - Direct Plan - IDCW Option

Latest NAV

₹20.7100

As of

17 Jul 2026

2,097 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	-0.43%	+0.25%	-0.68	39 / 40	Q4
1W	-0.67%	+0.02%	-0.69	39 / 40	Q4
2W	-0.48%	+0.17%	-0.65	37 / 40	Q4
1M	+0.15%	+1.06%	-0.91	35 / 40	Q4
3M	-1.00%	+1.36%	-2.37	38 / 40	Q4
6M	-3.49%	-1.69%	-1.81	28 / 39	Q3
YTD	-4.83%	-2.78%	-2.05	31 / 39	Q4
1Y	-5.39%	-1.91%	-3.48	32 / 39	Q4
2Y	-0.69%	-0.35%	-0.35	23 / 39	Q3
3Y	+6.26%	+6.02%	+0.24	18 / 34	Q3
4Y	+8.08%	+7.17%	+0.91	15 / 31	Q2
5Y	+6.99%	+5.55%	+1.44	11 / 25	Q2
7Y	+9.75%	+6.94%	+2.81	5 / 22	Q1
10Y	—	—	—	—	—
Inception	+8.87%	+6.11%	+2.76	9 / 40	Q1

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	-4.83%	-2.86%	-1.96	30 / 38
2025	+3.38%	+2.32%	+1.06	18 / 38
2024	+11.15%	+9.52%	+1.63	10 / 35
2023	+16.80%	+15.43%	+1.38	15 / 31
2022	+3.94%	+1.33%	+2.61	11 / 29
2021	+10.49%	+10.71%	-0.22	13 / 23
2020	+22.61%	+10.14%	+12.48	2 / 23
2019	+10.47%	+4.00%	+6.46	4 / 19
2018	+2.69%	-4.09%	+6.78	3 / 17

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

+10.89%

92 windows

min -9.1% · max 43.2%

92% positive

3-Year rolling

+12.07%

68 windows

min 6.3% · max 20.0%

100% positive

5-Year rolling

+11.63%

44 windows

min 7.0% · max 17.1%

100% positive

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

7-Year rolling

+10.90%

19 windows

min 9.4% · max 12.1%

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

8.25%

3-year · annualised

Sharpe ratio

-0.01

vs risk-free 6.5%

Sortino ratio

-0.01

Downside-only deviation

Max drawdown

-11.76%

Oct 2025 → Mar 2026

% positive months

55.6%

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 - IDCW Plan - Direct Plan	HDFC	₹43.5770	17 Jul 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT Plan - IDCW Option	Nippon India	₹46.1264	17 Jul 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.7267	17 Jul 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - IDCW	ICICI Prudential	₹29.7400	17 Jul 2026
Invesco India Balanced Advantage Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹21.9800	17 Jul 2026
BANDHAN Balanced Advantage Fund Direct Plan IDCW	Bandhan	₹16.3950	17 Jul 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹17.5260	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹30.4200	17 Jul 2026
Motilal Oswal Balanced Advantage Fund Direct - Annual IDCW Payout/Reinvestment	Motilal Oswal	₹13.3545	17 Jul 2026
Franklin India Balanced Advantage Fund- IDCW- Direct	Franklin India	₹13.7641	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹20.7100
16 Jul 2026	₹20.8000
15 Jul 2026	₹20.8300
14 Jul 2026	₹20.7300
13 Jul 2026	₹20.8500
10 Jul 2026	₹20.8500
9 Jul 2026	₹20.6700
8 Jul 2026	₹20.5400
7 Jul 2026	₹20.8500
6 Jul 2026	₹20.9100

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 17 Jul 2026, the NAV of Union Balanced Advantage Fund - Direct Plan - IDCW Option is ₹20.7100. It's a Balanced Advantage Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Balanced Advantage Fund - Direct Plan - IDCW Option has NAV history starting from 05 Jan 2018, a track record of about 8 years 6 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 - IDCW 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 - IDCW Option has delivered a absolute return of -5.39% — -3.48 pp behind the Balanced Advantage Fund category average of -1.91%. The fund ranks #32 of 39 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Balanced Advantage Fund - Direct Plan - IDCW Option has delivered a CAGR of 6.26% — +0.24 pp ahead of the Balanced Advantage Fund category average of 6.02%. The fund ranks #18 of 34 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Union Balanced Advantage Fund - Direct Plan - IDCW Option has delivered a CAGR of 6.99% — +1.44 pp ahead of the Balanced Advantage Fund category average of 5.55%. The fund ranks #11 of 25 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Balanced Advantage Fund - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹140,217 today — a multiplier of 1.40×, based on the 5-year CAGR of 6.99%. The category average over the same window would have grown ₹1 lakh to ₹131,007.

A ₹10,000 monthly SIP in Union Balanced Advantage Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹687,048 today. That's an XIRR (money-weighted annualised return) of 5.36%.

Union Balanced Advantage Fund - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,101,195 — XIRR 7.61%.

On a 5-year basis, Union Balanced Advantage Fund - Direct Plan - IDCW Option ranks #11 out of 25 funds in the Balanced Advantage Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.55%; this fund delivered 6.99%.

The worst peak-to-trough decline Union Balanced Advantage Fund - Direct Plan - IDCW Option has experienced over the last 5-year window is 11.76% — its NAV fell from a high on 27 Oct 2025 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 - IDCW Option averaged 11.63% (best 17.10%, worst 6.99%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.07 — weak risk-adjusted performance.

In calendar year 2025, Union Balanced Advantage Fund - Direct Plan - IDCW Option returned 3.38% — beating the Balanced Advantage Fund category average of 2.32% by 1.06 pp. It ranked #18 of 38 in its category that year.

Union Balanced Advantage Fund - Direct Plan - IDCW 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 - IDCW 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: 11.8%. 5-year CAGR: 6.99%.

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 - IDCW 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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