Should I invest in Union Dynamic Bond Fund?

We don't give personal investment advice. Union Dynamic Bond Fund - 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: 5.2%. 5-year CAGR: 4.47%.

Union

Union Dynamic Bond Fund - IDCW Option

Latest NAV

₹15.7589

As of

17 Jul 2026

3,475 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%	+0.01%	-0.24	25 / 28	Q4
1W	-0.56%	-0.01%	-0.56	25 / 28	Q4
2W	-0.66%	+0.05%	-0.71	24 / 28	Q4
1M	+1.38%	+0.88%	+0.50	12 / 28	Q2
3M	+2.09%	+1.85%	+0.24	17 / 28	Q3
6M	+2.27%	+4.01%	-1.74	21 / 28	Q3
YTD	+1.29%	+3.54%	-2.26	19 / 28	Q3
1Y	+0.88%	+5.22%	-4.34	19 / 28	Q3
2Y	+4.40%	+5.43%	-1.03	18 / 28	Q3
3Y	+5.25%	+5.03%	+0.22	18 / 28	Q3
4Y	+5.59%	+5.04%	+0.55	18 / 28	Q3
5Y	+4.47%	+4.00%	+0.47	17 / 27	Q3
7Y	+4.98%	+3.75%	+1.23	13 / 26	Q2
10Y	+2.45%	+3.83%	-1.38	16 / 25	Q3
Inception	+3.19%	+4.11%	-0.92	16 / 28	Q3

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	+1.29%	+2.34%	-1.05	13 / 18
2025	+4.15%	+3.45%	+0.70	9 / 18
2024	+8.63%	+6.04%	+2.59	8 / 18
2023	+6.39%	+4.34%	+2.05	9 / 18
2022	+0.29%	+3.05%	-2.76	16 / 22
2021	+1.93%	+2.73%	-0.80	14 / 24
2020	+10.55%	+4.46%	+6.10	5 / 27
2019	+2.45%	+4.44%	-1.99	17 / 27
2018	+3.97%	+3.44%	+0.53	15 / 27
2017	-18.71%	-0.70%	-18.01	28 / 28
2016	-1.05%	+8.38%	-9.44	28 / 28

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

+3.23%

164 windows

min -19.4% · max 15.0%

73% positive

3-Year rolling

+2.69%

140 windows

min -6.5% · max 8.5%

75% positive

5-Year rolling

+1.96%

115 windows

min -2.2% · max 6.2%

64% positive

7-Year rolling

+2.17%

91 windows

min -0.6% · max 5.9%

87% 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

-0.39

vs risk-free 6.5%

Sortino ratio

-0.75

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
HDFC Dynamic Debt Fund - Normal IDCW Option	HDFC	₹19.9381	17 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.3500	17 Jul 2026
SBI MAGNUM NRI LONG TERM BOND PLAN-DIVIDEND	SBI	₹19.6346	17 Jul 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.4954	17 Jul 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	17 Jul 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,044.3170	17 Jul 2026
IDFC Dynamic Bond Fund -PLAN B DIVIDEND	IDFC	₹13.6865	17 Jul 2026
Reliance NRI Income Fund-Dividend Plan-Dividend Option	Reliance	₹26.4483	17 Jul 2026
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	Birla Sun Life	₹33.5521	19 Jun 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.7589
16 Jul 2026	₹15.7950
15 Jul 2026	₹15.7694
14 Jul 2026	₹15.7466
13 Jul 2026	₹15.8362
10 Jul 2026	₹15.8481
9 Jul 2026	₹15.8089
8 Jul 2026	₹15.7849
7 Jul 2026	₹15.8619
6 Jul 2026	₹15.8755

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 - IDCW Option is ₹15.7589. It's a Dynamic Bond Fund from Union, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Dynamic Bond Fund - IDCW Option has NAV history starting from 21 Feb 2012, a track record of about 14 years 4 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 - 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 - IDCW Option has delivered a absolute return of 0.88% — -4.34 pp behind the Dynamic Bond Fund category average of 5.22%. The fund ranks #19 of 28 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union Dynamic Bond Fund - IDCW Option has delivered a CAGR of 5.25% — +0.22 pp ahead of the Dynamic Bond Fund category average of 5.03%. The fund ranks #18 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Union Dynamic Bond Fund - IDCW Option has delivered a CAGR of 4.47% — +0.47 pp ahead of the Dynamic Bond Fund category average of 4.00%. The fund ranks #17 of 27 in its category — the third (Q3) quartile.

₹1 lakh invested in Union Dynamic Bond Fund - IDCW Option exactly 10 years ago would be worth approximately ₹127,395 today — a multiplier of 1.27×, based on the 10-year CAGR of 2.45%. The category average over the same window would have grown ₹1 lakh to ₹145,571.

A ₹10,000 monthly SIP in Union Dynamic Bond Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹678,481 today. That's an XIRR (money-weighted annualised return) of 4.86%.

A ₹10,000 monthly SIP for 10 years in Union Dynamic Bond Fund - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,501,143 (multiplier 1.25×). XIRR: 4.38%. 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 - IDCW Option ranks #17 out of 27 funds in the Dynamic Bond Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.00%; this fund delivered 4.47%.

The worst peak-to-trough decline Union Dynamic Bond Fund - IDCW 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 - IDCW Option averaged 1.96% (best 6.18%, worst -2.20%). 64% of rolling windows ended positive. The 5-year Sharpe ratio is -0.69 — negative risk-adjusted performance.

In calendar year 2025, Union Dynamic Bond Fund - IDCW Option returned 4.15% — beating the Dynamic Bond Fund category average of 3.45% by 0.70 pp. It ranked #9 of 18 in its category that year.

Union Dynamic Bond Fund - 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 - 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: 5.2%. 5-year CAGR: 4.47%.

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