Should I invest in Union Equity Savings Fund?

We don't give personal investment advice. Union Equity Savings Fund - Direct Plan - IDCW 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: 6.96%.

Union

Union Equity Savings Fund - Direct Plan - IDCW Option

Latest NAV

₹18.2000

As of

17 Jul 2026

1,944 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	+0.17%	+0.13%	+0.04	29 / 49	Q3
1W	-0.05%	+0.17%	-0.23	44 / 49	Q4
2W	+0.22%	+0.27%	-0.05	26 / 49	Q3
1M	+1.34%	+0.53%	+0.81	6 / 48	Q1
3M	+2.25%	+1.21%	+1.04	8 / 48	Q1
6M	+2.42%	+0.35%	+2.07	9 / 48	Q1
YTD	+1.85%	-0.31%	+2.15	10 / 48	Q1
1Y	+3.88%	+1.63%	+2.25	18 / 48	Q2
2Y	+4.18%	+2.39%	+1.79	22 / 47	Q2
3Y	+7.43%	+5.05%	+2.38	17 / 45	Q2
4Y	+8.24%	+5.30%	+2.94	14 / 40	Q2
5Y	+6.96%	+4.35%	+2.61	14 / 39	Q2
7Y	+7.98%	+5.64%	+2.34	11 / 38	Q2
10Y	—	—	—	—	—
Inception	+7.81%	+5.34%	+2.47	13 / 47	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	+1.85%	-0.62%	+2.47	7 / 43
2025	+5.24%	+2.35%	+2.90	15 / 42
2024	+8.87%	+8.05%	+0.82	20 / 42
2023	+11.94%	+9.20%	+2.74	14 / 40
2022	+2.36%	+0.46%	+1.90	14 / 40
2021	+9.35%	+9.45%	-0.10	20 / 40
2020	+11.51%	+7.78%	+3.73	9 / 40
2019	+8.81%	+4.12%	+4.70	7 / 37
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

+8.32%

85 windows

min -3.2% · max 23.0%

96% positive

3-Year rolling

+8.67%

61 windows

min 7.2% · max 11.9%

100% positive

5-Year rolling

+8.61%

36 windows

min 6.6% · max 11.3%

100% positive

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

7-Year rolling

+8.11%

12 windows

min 7.5% · max 8.5%

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

4.29%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.36

Downside-only deviation

Max drawdown

-4.50%

Feb 2026 → Mar 2026

% positive months

66.7%

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 - IDCW Option - Direct Plan	HDFC	₹15.0960	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.0945	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.7100	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.8261	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.3190	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.9221	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4800	17 Jul 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹15.2612	17 Jul 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.7290	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹18.2000
16 Jul 2026	₹18.1700
15 Jul 2026	₹18.1800
14 Jul 2026	₹18.1500
13 Jul 2026	₹18.2100
10 Jul 2026	₹18.2100
9 Jul 2026	₹18.1100
8 Jul 2026	₹18.0400
7 Jul 2026	₹18.1900
6 Jul 2026	₹18.2100

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 Equity Savings Fund - Direct Plan - IDCW Option is ₹18.2000. It's a Equity Savings Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Equity Savings Fund - Direct Plan - IDCW Option has NAV history starting from 17 Aug 2018, a track record of about 7 years 11 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 - IDCW 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 - IDCW Option has delivered a absolute return of 3.88% — +2.25 pp ahead of the Equity Savings Fund category average of 1.63%. The fund ranks #18 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Union Equity Savings Fund - Direct Plan - IDCW Option has delivered a CAGR of 7.43% — +2.38 pp ahead of the Equity Savings Fund category average of 5.05%. The fund ranks #17 of 45 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Equity Savings Fund - Direct Plan - IDCW Option has delivered a CAGR of 6.96% — +2.61 pp ahead of the Equity Savings Fund category average of 4.35%. The fund ranks #14 of 39 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Equity Savings Fund - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹140,000 today — a multiplier of 1.40×, based on the 5-year CAGR of 6.96%. The category average over the same window would have grown ₹1 lakh to ₹123,719.

A ₹10,000 monthly SIP in Union Equity Savings Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹714,912 today. That's an XIRR (money-weighted annualised return) of 6.94%.

Union Equity Savings Fund - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,098,095 — XIRR 7.53%.

On a 5-year basis, Union Equity Savings Fund - Direct Plan - IDCW Option ranks #14 out of 39 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 4.35%; this fund delivered 6.96%.

The worst peak-to-trough decline Union Equity Savings Fund - Direct Plan - IDCW 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 - IDCW Option averaged 8.61% (best 11.28%, worst 6.61%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.07 — weak risk-adjusted performance.

In calendar year 2025, Union Equity Savings Fund - Direct Plan - IDCW Option returned 5.24% — beating the Equity Savings Fund category average of 2.35% by 2.90 pp. It ranked #15 of 42 in its category that year.

Union Equity Savings Fund - Direct Plan - IDCW 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 - IDCW 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: 6.96%.

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 - IDCW 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

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