Should I invest in Union Equity Savings Fund?

We don't give personal investment advice. Union Equity Savings Fund - Direct Plan - Growth Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.8%. 5-year CAGR: 6.46%.

Union

Union Equity Savings Fund - Direct Plan - Growth Option

Latest NAV

₹17.6200

As of

3 Jun 2026

1,913 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	-0.06%	+9.02%	-9.07	24 / 28	Q4
1W	-0.56%	+8.52%	-9.09	20 / 28	Q3
2W	-0.06%	+8.91%	-8.97	10 / 28	Q2
1M	-0.96%	+8.72%	-9.68	27 / 28	Q4
3M	-0.96%	+9.08%	-10.03	22 / 28	Q4
6M	-1.23%	+8.96%	-10.19	25 / 28	Q4
YTD	-1.34%	+8.58%	-9.92	22 / 28	Q4
1Y	+2.03%	+13.09%	-11.06	24 / 27	Q4
2Y	+3.75%	+9.64%	-5.90	25 / 25	Q4
3Y	+7.35%	+11.18%	-3.83	24 / 25	Q4
4Y	+7.42%	+10.46%	-3.04	22 / 23	Q4
5Y	+6.46%	+9.26%	-2.79	22 / 22	Q4
7Y	+7.41%	+8.67%	-1.26	17 / 20	Q4
10Y	—	—	—	—	—
Inception	+7.50%	+9.17%	-1.67	23 / 28	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%	-0.46%	-0.89	20 / 26
2025	+5.24%	+16.65%	-11.41	23 / 25
2024	+8.87%	+10.84%	-1.97	19 / 25
2023	+11.94%	+12.95%	-1.01	18 / 24
2022	+2.36%	+3.90%	-1.54	18 / 23
2021	+9.35%	+11.99%	-2.63	19 / 22
2020	+11.51%	+8.57%	+2.94	8 / 22
2019	+8.81%	+7.11%	+1.71	7 / 18
2018	—	—	—	—

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

+8.28%

83 windows

min -5.6% · max 27.1%

98% positive

3-Year rolling

+8.55%

59 windows

min 6.9% · max 11.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+8.63%

35 windows

min 6.5% · max 10.3%

100% positive

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

7-Year rolling

+8.06%

10 windows

min 7.4% · max 8.4%

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

4.43%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.28

Downside-only deviation

Max drawdown

-4.50%

Feb 2026 → Mar 2026

% positive months

77.8%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - Growth Option - Direct Plan	HDFC	₹74.6780	3 Jun 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹26.9209	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹24.6300	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.3233	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹35.5890	3 Jun 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.4797	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.3700	3 Jun 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.3345	3 Jun 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.3420	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.6200
2 Jun 2026	₹17.6300
1 Jun 2026	₹17.6400
29 May 2026	₹17.6900
27 May 2026	₹17.7600
26 May 2026	₹17.7300
25 May 2026	₹17.7200
22 May 2026	₹17.6300
21 May 2026	₹17.6500
20 May 2026	₹17.6500

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 Equity Savings Fund - Direct Plan - Growth Option is ₹17.6200. It's a Equity Savings Fund from Union, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Union Equity Savings Fund - Direct Plan - Growth Option has NAV history starting from 17 Aug 2018, a track record of about 7 years 9 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 Equity Savings Fund - Direct Plan - Growth Option is managed by Union. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Equity Savings Fund - Direct Plan - Growth Option has delivered a absolute return of 2.03% — -11.06 pp behind the Equity Savings Fund category average of 13.09%. The fund ranks #24 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Equity Savings Fund - Direct Plan - Growth Option has delivered a CAGR of 7.35% — -3.83 pp behind the Equity Savings Fund category average of 11.18%. The fund ranks #24 of 25 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Union Equity Savings Fund - Direct Plan - Growth Option has delivered a CAGR of 6.46% — -2.79 pp behind the Equity Savings Fund category average of 9.26%. The fund ranks #22 of 22 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Union Equity Savings Fund - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹136,773 today — a multiplier of 1.37×, based on the 5-year CAGR of 6.46%. The category average over the same window would have grown ₹1 lakh to ₹155,686.

A ₹10,000 monthly SIP in Union Equity Savings Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹698,405 today. That's an XIRR (money-weighted annualised return) of 6.01%.

Union Equity Savings Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,073,600 — XIRR 6.90%.

On a 5-year basis, Union Equity Savings Fund - Direct Plan - Growth Option ranks #22 out of 22 funds in the Equity Savings Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.26%; this fund delivered 6.46%.

The worst peak-to-trough decline Union Equity Savings Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 5.83% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. 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 Equity Savings Fund - Direct Plan - Growth Option averaged 8.63% (best 10.27%, worst 6.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.01 — negative risk-adjusted performance.

In calendar year 2025, Union Equity Savings Fund - Direct Plan - Growth Option returned 5.24% — lagging the Equity Savings Fund category average of 16.65% by 11.41 pp. It ranked #23 of 25 in its category that year.

Union Equity Savings Fund - Direct Plan - Growth Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

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

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.8%. 5-year CAGR: 6.46%.

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

Union Equity Savings 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 Equity Savings Fund

Recent NAVs

Frequently asked questions

More from Union