Should I invest in Union Dynamic Bond Fund?

We don't give personal investment advice. Union Dynamic Bond Fund - 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: 5.2%. 5-year CAGR: 3.92%.

Union

Union Dynamic Bond Fund - Growth Option

Latest NAV

₹22.9910

As of

3 Jun 2026

3,444 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	+0.09%	-0.07%	+0.16	1 / 5	Q1
1W	+0.10%	-28.30%	+28.40	5 / 7	Q3
2W	+0.65%	-15.98%	+16.63	2 / 6	Q2
1M	-0.09%	-16.16%	+16.07	5 / 6	Q4
3M	-1.22%	-16.40%	+15.18	5 / 6	Q4
6M	-0.61%	-15.51%	+14.90	5 / 6	Q4
YTD	-1.34%	-16.20%	+14.86	5 / 6	Q4
1Y	-2.70%	-14.78%	+12.09	5 / 6	Q4
2Y	+3.44%	+5.63%	-2.19	5 / 5	Q4
3Y	+4.41%	+5.96%	-1.54	5 / 5	Q4
4Y	+5.04%	+6.62%	-1.58	5 / 5	Q4
5Y	+3.92%	+5.98%	-2.06	4 / 4	Q4
7Y	+5.11%	+7.10%	-1.99	4 / 4	Q4
10Y	+5.36%	+7.31%	-1.95	4 / 4	Q4
Inception	+5.99%	+7.30%	-1.31	4 / 5	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	-1.34%	-0.26%	-1.09	4 / 4
2025	+4.15%	+5.33%	-1.18	4 / 4
2024	+8.64%	+8.59%	+0.05	2 / 4
2023	+6.39%	-14.66%	+21.05	3 / 5
2022	+0.29%	+2.40%	-2.11	3 / 3
2021	+1.93%	+2.84%	-0.92	3 / 3
2020	+10.56%	+8.64%	+1.91	2 / 4
2019	+10.37%	+10.45%	-0.07	2 / 4
2018	+3.97%	+5.82%	-1.85	4 / 4
2017	+0.31%	+3.22%	-2.91	4 / 4
2016	+11.64%	+14.61%	-2.97	4 / 4

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

+6.26%

162 windows

min -2.9% · max 15.0%

93% positive

3-Year rolling

+6.26%

138 windows

min 2.6% · max 10.9%

100% positive

5-Year rolling

+6.11%

114 windows

min 3.7% · max 7.8%

100% positive

7-Year rolling

+6.29%

89 windows

min 4.7% · max 8.0%

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

4.24%

3-year · annualised

Sharpe ratio

-0.49

vs risk-free 6.5%

Sortino ratio

-0.79

Downside-only deviation

Max drawdown

-5.16%

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
ICICI Prudential All Seasons Bond Fund - Growth	ICICI Prudential	₹38.1713	3 Jun 2026
Franklin India Dynamic Accrual Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option	Baroda BNP Paribas	₹32.2009	3 Jun 2026
PGIM India Dynamic Bond Fund - Growth Option	PGIM India	₹2,659.5613	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹22.9910
2 Jun 2026	₹23.0228
1 Jun 2026	₹23.0025
29 May 2026	₹23.0037
27 May 2026	₹23.0059
26 May 2026	₹22.9995
25 May 2026	₹22.9990
22 May 2026	₹22.9035
21 May 2026	₹22.8976
20 May 2026	₹22.9226

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 Dynamic Bond Fund - Growth Option is ₹22.9910. It's a Dynamic Bond Fund from Union, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Union Dynamic Bond Fund - Growth Option has NAV history starting from 21 Feb 2012, a track record of about 14 years 3 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 - 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 - Growth Option has delivered a absolute return of -2.70% — +12.09 pp ahead of the Dynamic Bond Fund category average of -14.78%. The fund ranks #5 of 6 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Dynamic Bond Fund - Growth Option has delivered a CAGR of 4.41% — -1.54 pp behind the Dynamic Bond Fund category average of 5.96%. The fund ranks #5 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Union Dynamic Bond Fund - Growth Option has delivered a CAGR of 3.92% — -2.06 pp behind the Dynamic Bond Fund category average of 5.98%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Union Dynamic Bond Fund - Growth Option exactly 10 years ago would be worth approximately ₹168,568 today — a multiplier of 1.69×, based on the 10-year CAGR of 5.36%. The category average over the same window would have grown ₹1 lakh to ₹202,404.

A ₹10,000 monthly SIP in Union Dynamic Bond Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹664,237 today. That's an XIRR (money-weighted annualised return) of 4.02%.

A ₹10,000 monthly SIP for 10 years in Union Dynamic Bond Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,530,773 (multiplier 1.28×). XIRR: 4.76%. 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 - Growth Option ranks #4 out of 4 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 5.98%; this fund delivered 3.92%.

The worst peak-to-trough decline Union Dynamic Bond Fund - Growth Option has experienced over the last 5-year window is 5.16% — 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 - Growth Option averaged 6.11% (best 7.77%, worst 3.68%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.71 — negative risk-adjusted performance.

In calendar year 2025, Union Dynamic Bond Fund - Growth Option returned 4.15% — lagging the Dynamic Bond Fund category average of 5.33% by 1.18 pp. It ranked #4 of 4 in its category that year.

Union Dynamic Bond Fund - 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 - 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: 5.2%. 5-year CAGR: 3.92%.

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

Union Dynamic Bond Fund - 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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