Should I invest in Union Dynamic Bond Fund?

We don't give personal investment advice. Union Dynamic Bond Fund - Direct Plan - Growth Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 4.73%.

Union

Union Dynamic Bond Fund - Direct Plan - Growth Option

Latest NAV

₹25.0422

As of

17 Jul 2026

3,266 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	-0.23%	-0.03%	-0.20	23 / 24	Q4
1W	-0.56%	-0.12%	-0.44	23 / 24	Q4
2W	-0.65%	-0.10%	-0.54	23 / 24	Q4
1M	+1.40%	+1.01%	+0.40	6 / 24	Q1
3M	+2.17%	+2.20%	-0.03	14 / 24	Q3
6M	+2.42%	+3.35%	-0.92	21 / 24	Q4
YTD	+1.45%	+3.03%	-1.57	23 / 24	Q4
1Y	+1.18%	+4.48%	-3.29	24 / 24	Q4
2Y	+4.70%	+6.78%	-2.09	24 / 24	Q4
3Y	+5.54%	+7.09%	-1.55	23 / 24	Q4
4Y	+5.86%	+7.30%	-1.44	23 / 23	Q4
5Y	+4.73%	+6.53%	-1.79	22 / 22	Q4
7Y	+5.26%	+6.80%	-1.54	21 / 21	Q4
10Y	+5.76%	+7.20%	-1.44	16 / 16	Q4
Inception	+6.38%	+7.59%	-1.21	22 / 24	Q4

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	+1.45%	+3.04%	-1.59	22 / 22
2025	+4.44%	+6.45%	-2.01	22 / 22
2024	+8.92%	+9.50%	-0.58	18 / 22
2023	+6.62%	+7.18%	-0.56	20 / 22
2022	+0.53%	+3.73%	-3.19	22 / 22
2021	+2.17%	+4.80%	-2.63	21 / 21
2020	+10.84%	+9.74%	+1.09	8 / 21
2019	+10.65%	+8.95%	+1.70	10 / 21
2018	+4.34%	+6.33%	-2.00	18 / 19
2017	+0.92%	+4.33%	-3.41	18 / 18
2016	+12.64%	+13.83%	-1.18	15 / 18

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

+6.61%

153 windows

min -3.2% · max 15.6%

95% positive

3-Year rolling

+6.57%

129 windows

min 2.8% · max 11.9%

100% positive

5-Year rolling

+6.38%

105 windows

min 4.0% · max 8.3%

100% positive

7-Year rolling

+6.60%

80 windows

min 4.8% · max 8.7%

100% positive

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

3.29%

3-year · annualised

Sharpe ratio

-0.31

vs risk-free 6.5%

Sortino ratio

-0.61

Downside-only deviation

Max drawdown

-4.92%

May 2025 → Apr 2026

% positive months

69.4%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Growth Option - Direct Plan	HDFC	₹103.4571	17 Jul 2026
Nippon India Dynamic Bond Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹42.3595	17 Jul 2026
SBI Dynamic Bond Fund - DIRECT PLAN - Growth	SBI	₹41.2977	17 Jul 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Growth	ICICI Prudential	₹42.4684	17 Jul 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Growth	Bandhan	₹40.1432	17 Jul 2026
Quantum Dynamic Bond Fund - Direct Plan Growth Option	Quantum	₹22.8158	17 Jul 2026
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹52.7806	17 Jul 2026
Franklin India Dynamic Accrual Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Mirae Asset Dynamic Bond Fund -Direct Plan -Growth	Mirae Asset	₹18.8029	17 Jul 2026
Kotak Dynamic Bond Fund - Growth - Direct	Kotak	₹43.4114	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹25.0422
16 Jul 2026	₹25.0993
15 Jul 2026	₹25.0584
14 Jul 2026	₹25.0221
13 Jul 2026	₹25.1641
10 Jul 2026	₹25.1825
9 Jul 2026	₹25.1200
8 Jul 2026	₹25.0816
7 Jul 2026	₹25.2039
6 Jul 2026	₹25.2253

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 Dynamic Bond Fund - Direct Plan - Growth Option is ₹25.0422. It's a Dynamic Bond Fund from Union, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Union Dynamic Bond Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 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 Dynamic Bond Fund - Direct Plan - Growth Option is managed by Union. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Dynamic Bond Fund - Direct Plan - Growth Option has delivered a absolute return of 1.18% — -3.29 pp behind the Dynamic Bond Fund category average of 4.48%. The fund ranks #24 of 24 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Dynamic Bond Fund - Direct Plan - Growth Option has delivered a CAGR of 5.54% — -1.55 pp behind the Dynamic Bond Fund category average of 7.09%. The fund ranks #23 of 24 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Union Dynamic Bond Fund - Direct Plan - Growth Option has delivered a CAGR of 4.73% — -1.79 pp behind the Dynamic Bond Fund category average of 6.53%. The fund ranks #22 of 22 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Union Dynamic Bond Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹175,059 today — a multiplier of 1.75×, based on the 10-year CAGR of 5.76%. The category average over the same window would have grown ₹1 lakh to ₹200,492.

A ₹10,000 monthly SIP in Union Dynamic Bond Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹683,327 today. That's an XIRR (money-weighted annualised return) of 5.14%.

A ₹10,000 monthly SIP for 10 years in Union Dynamic Bond Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,585,244 (multiplier 1.32×). XIRR: 5.43%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Union Dynamic Bond Fund - Direct Plan - Growth Option ranks #22 out of 22 funds in the Dynamic Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.53%; this fund delivered 4.73%.

The worst peak-to-trough decline Union Dynamic Bond Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 4.92% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 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 Dynamic Bond Fund - Direct Plan - Growth Option averaged 6.38% (best 8.33%, worst 4.04%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.61 — negative risk-adjusted performance.

In calendar year 2025, Union Dynamic Bond Fund - Direct Plan - Growth Option returned 4.44% — lagging the Dynamic Bond Fund category average of 6.45% by 2.01 pp. It ranked #22 of 22 in its category that year.

Union Dynamic Bond Fund - Direct Plan - Growth Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

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

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 4.73%.

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

Union Dynamic Bond 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 Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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