Should I invest in Union Balanced Advantage Fund?

We don't give personal investment advice. Union Balanced Advantage Fund - Regular 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: 12.5%. 5-year CAGR: 5.56%.

Union

Union Balanced Advantage Fund - Regular Plan - IDCW Option

Latest NAV

₹18.8600

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	-0.53%	+0.22%	-0.74	29 / 30	Q4
1W	-0.79%	-0.02%	-0.77	29 / 30	Q4
2W	-0.63%	+0.12%	-0.76	28 / 30	Q4
1M	-0.11%	+0.92%	-1.02	25 / 30	Q4
3M	-1.62%	+1.03%	-2.65	30 / 30	Q4
6M	-4.51%	-2.64%	-1.86	22 / 29	Q4
YTD	-5.84%	-3.74%	-2.10	24 / 29	Q4
1Y	-7.14%	-3.15%	-3.99	26 / 29	Q4
2Y	-2.20%	-2.04%	-0.17	18 / 29	Q3
3Y	+4.79%	+4.42%	+0.37	12 / 24	Q2
4Y	+6.63%	+5.78%	+0.85	9 / 21	Q2
5Y	+5.56%	+3.92%	+1.64	7 / 17	Q2
7Y	+8.45%	+5.69%	+2.76	5 / 14	Q2
10Y	—	—	—	—	—
Inception	+7.69%	+4.92%	+2.78	8 / 30	Q2

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	-5.84%	-3.74%	-2.10	24 / 29
2025	+1.94%	+0.96%	+0.97	15 / 29
2024	+9.83%	+7.99%	+1.84	9 / 26
2023	+15.51%	+14.79%	+0.72	12 / 22
2022	+2.53%	-0.33%	+2.86	9 / 20
2021	+9.25%	+9.21%	+0.04	6 / 15
2020	+21.87%	+10.06%	+11.80	2 / 15
2019	+9.66%	+4.40%	+5.26	3 / 11
2018	+2.00%	-2.98%	+4.98	2 / 9

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

+9.74%

92 windows

min -9.8% · max 42.3%

91% positive

3-Year rolling

+10.87%

68 windows

min 4.8% · max 18.7%

100% positive

5-Year rolling

+10.43%

44 windows

min 5.6% · max 15.8%

100% positive

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

7-Year rolling

+9.74%

19 windows

min 8.1% · max 10.9%

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

8.29%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

-0.26

Downside-only deviation

Max drawdown

-12.48%

Oct 2025 → Mar 2026

% positive months

52.8%

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
SBI Balanced Advantage Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9677	17 Jul 2026
BANDHAN Balanced Advantage Fund Regular Plan IDCW	Bandhan	₹14.0910	17 Jul 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Regular Plan	Quant	₹16.6926	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund -REGULAR - IDCW	Aditya Birla Sun Life	₹26.4700	17 Jul 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Annual Dividend Payout Option	Motilal Oswal	₹12.4970	17 Jul 2026
Mirae Asset Balanced Advantage Fund Regular Plan IDCW	Mirae Asset	₹13.4980	17 Jul 2026
Kotak Balanced Advantage Fund - Regular Plan - Payout of Income Distribution cum capital withdrawal option Option	Kotak	₹21.1310	17 Jul 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan - Monthly IDCW Reinvestment	Parag Parikh	₹10.0954	17 Jul 2026
Edelweiss Balanced Advantage Fund - Regular Plan - Monthly - IDCW Option	Edelweiss	₹20.6000	17 Jul 2026
DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly	DSP	₹14.2070	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹18.8600
16 Jul 2026	₹18.9600
15 Jul 2026	₹18.9900
14 Jul 2026	₹18.9000
13 Jul 2026	₹19.0100
10 Jul 2026	₹19.0100
9 Jul 2026	₹18.8500
8 Jul 2026	₹18.7300
7 Jul 2026	₹19.0100
6 Jul 2026	₹19.0700

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 - Regular Plan - IDCW Option is ₹18.8600. It's a Balanced Advantage Fund from Union, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Balanced Advantage Fund - Regular 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 - Regular 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 - Regular Plan - IDCW Option has delivered a absolute return of -7.14% — -3.99 pp behind the Balanced Advantage Fund category average of -3.15%. The fund ranks #26 of 29 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Balanced Advantage Fund - Regular Plan - IDCW Option has delivered a CAGR of 4.79% — +0.37 pp ahead of the Balanced Advantage Fund category average of 4.42%. The fund ranks #12 of 24 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Balanced Advantage Fund - Regular Plan - IDCW Option has delivered a CAGR of 5.56% — +1.64 pp ahead of the Balanced Advantage Fund category average of 3.92%. The fund ranks #7 of 17 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Balanced Advantage Fund - Regular Plan - IDCW Option exactly 5 years ago would be worth approximately ₹131,063 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.56%. The category average over the same window would have grown ₹1 lakh to ₹121,191.

A ₹10,000 monthly SIP in Union Balanced Advantage Fund - Regular Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹660,975 today. That's an XIRR (money-weighted annualised return) of 3.82%.

Union Balanced Advantage Fund - Regular 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 ₹1,044,364 — XIRR 6.12%.

On a 5-year basis, Union Balanced Advantage Fund - Regular Plan - IDCW Option ranks #7 out of 17 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 3.92%; this fund delivered 5.56%.

The worst peak-to-trough decline Union Balanced Advantage Fund - Regular Plan - IDCW Option has experienced over the last 5-year window is 12.48% — 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 - Regular Plan - IDCW Option averaged 10.43% (best 15.80%, worst 5.56%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.11 — negative risk-adjusted performance.

In calendar year 2025, Union Balanced Advantage Fund - Regular Plan - IDCW Option returned 1.94% — beating the Balanced Advantage Fund category average of 0.96% by 0.97 pp. It ranked #15 of 29 in its category that year.

Union Balanced Advantage Fund - Regular 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 - Regular 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: 12.5%. 5-year CAGR: 5.56%.

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

Union Balanced Advantage Fund - Regular 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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