Should I invest in Union Dynamic Bond Fund?

We don't give personal investment advice. Union Dynamic Bond Fund - Direct Plan - IDCW 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 - IDCW Option

Latest NAV

₹16.7741

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%	-0.06%	-0.17	58 / 64	Q4
1W	-0.56%	-0.13%	-0.43	58 / 64	Q4
2W	-0.65%	-0.22%	-0.42	56 / 64	Q4
1M	+1.40%	+0.40%	+1.00	12 / 64	Q1
3M	+2.17%	+1.30%	+0.86	22 / 64	Q2
6M	+2.42%	+1.83%	+0.60	28 / 64	Q2
YTD	+1.45%	+1.34%	+0.11	31 / 64	Q2
1Y	+1.18%	+2.13%	-0.94	35 / 64	Q3
2Y	+4.70%	+3.27%	+1.43	25 / 64	Q2
3Y	+5.54%	+3.24%	+2.30	23 / 63	Q2
4Y	+5.86%	+3.54%	+2.32	23 / 61	Q2
5Y	+4.73%	+3.28%	+1.45	23 / 56	Q2
7Y	+5.26%	+2.70%	+2.56	17 / 52	Q2
10Y	+2.81%	+2.55%	+0.26	15 / 40	Q2
Inception	+3.28%	+2.74%	+0.54	22 / 64	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	+1.45%	+1.48%	-0.03	29 / 55
2025	+4.44%	+2.58%	+1.86	19 / 57
2024	+8.92%	+4.34%	+4.58	15 / 57
2023	+6.62%	+2.94%	+3.68	17 / 59
2022	+0.54%	+1.52%	-0.99	30 / 55
2021	+2.17%	+1.52%	+0.65	22 / 51
2020	+10.84%	+3.18%	+7.66	5 / 52
2019	+2.14%	+2.95%	-0.81	25 / 53
2018	+4.34%	+3.55%	+0.79	20 / 47
2017	-17.59%	-1.08%	-16.51	44 / 44
2016	+0.09%	+6.39%	-6.30	37 / 44

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

+3.40%

153 windows

min -18.2% · max 15.6%

72% positive

3-Year rolling

+2.72%

129 windows

min -5.5% · max 8.1%

75% positive

5-Year rolling

+2.46%

105 windows

min -1.5% · max 6.4%

73% positive

7-Year rolling

+2.76%

80 windows

min -0.1% · max 6.1%

98% 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 - Half Yearly IDCW - Direct Plan	HDFC	₹14.0403	17 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹30.6037	17 Jul 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.0673	17 Jul 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹11.5275	17 Jul 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Annual IDCW	Bandhan	₹12.1184	17 Jul 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.4272	17 Jul 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹13.2466	17 Jul 2026
Franklin India Dynamic Accrual Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	17 Jul 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.7797	17 Jul 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹15.2355	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.7741
16 Jul 2026	₹16.8123
15 Jul 2026	₹16.7849
14 Jul 2026	₹16.7606
13 Jul 2026	₹16.8557
10 Jul 2026	₹16.8680
9 Jul 2026	₹16.8262
8 Jul 2026	₹16.8005
7 Jul 2026	₹16.8823
6 Jul 2026	₹16.8967

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 - IDCW Option is ₹16.7741. It's a Dynamic Bond Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Dynamic Bond Fund - Direct Plan - IDCW 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 - IDCW 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 - IDCW Option has delivered a absolute return of 1.18% — -0.94 pp behind the Dynamic Bond Fund category average of 2.13%. The fund ranks #35 of 64 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union Dynamic Bond Fund - Direct Plan - IDCW Option has delivered a CAGR of 5.54% — +2.3 pp ahead of the Dynamic Bond Fund category average of 3.24%. The fund ranks #23 of 63 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Dynamic Bond Fund - Direct Plan - IDCW Option has delivered a CAGR of 4.73% — +1.45 pp ahead of the Dynamic Bond Fund category average of 3.28%. The fund ranks #23 of 56 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Dynamic Bond Fund - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹131,963 today — a multiplier of 1.32×, based on the 10-year CAGR of 2.81%. The category average over the same window would have grown ₹1 lakh to ₹128,632.

A ₹10,000 monthly SIP in Union Dynamic Bond Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹683,322 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 - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,521,326 (multiplier 1.27×). XIRR: 4.64%. 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 - IDCW Option ranks #23 out of 56 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.28%; this fund delivered 4.73%.

The worst peak-to-trough decline Union Dynamic Bond Fund - Direct Plan - IDCW 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 - IDCW Option averaged 2.46% (best 6.45%, worst -1.52%). 73% 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 - IDCW Option returned 4.44% — beating the Dynamic Bond Fund category average of 2.58% by 1.86 pp. It ranked #19 of 57 in its category that year.

Union Dynamic Bond Fund - Direct Plan - IDCW 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 - IDCW 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.