Should I invest in Union Equity Savings Fund?

We don't give personal investment advice. Union Equity Savings Fund - Regular 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: 6.1%. 5-year CAGR: 6.39%.

Union

Union Equity Savings Fund - Regular Plan - Growth Option

Latest NAV

₹17.4200

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%	+0.14%	+0.03	10 / 17	Q3
1W	-0.06%	+0.13%	-0.18	14 / 17	Q4
2W	+0.23%	+0.29%	-0.06	9 / 17	Q3
1M	+1.28%	+1.10%	+0.18	5 / 17	Q2
3M	+2.11%	+1.97%	+0.14	6 / 17	Q2
6M	+2.17%	+2.15%	+0.02	4 / 17	Q1
YTD	+1.57%	+1.76%	-0.19	8 / 17	Q2
1Y	+3.32%	+4.35%	-1.03	13 / 17	Q4
2Y	+3.63%	+4.91%	-1.27	13 / 14	Q4
3Y	+6.90%	+8.81%	-1.91	14 / 14	Q4
4Y	+7.69%	+9.35%	-1.66	12 / 12	Q4
5Y	+6.39%	+7.86%	-1.47	12 / 12	Q4
7Y	+7.43%	+8.96%	-1.53	11 / 12	Q4
10Y	—	—	—	—	—
Inception	+7.22%	+8.39%	-1.17	16 / 17	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	+1.57%	+1.76%	-0.19	8 / 17
2025	+4.64%	+5.91%	-1.27	12 / 14
2024	+8.35%	+11.76%	-3.41	12 / 14
2023	+11.53%	+14.19%	-2.66	12 / 13
2022	+1.66%	+2.56%	-0.91	9 / 12
2021	+8.76%	+12.08%	-3.32	11 / 12
2020	+10.99%	+11.06%	-0.07	7 / 12
2019	+8.06%	+7.86%	+0.19	5 / 10
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

+7.73%

85 windows

min -3.8% · max 22.2%

96% positive

3-Year rolling

+8.09%

61 windows

min 6.7% · max 11.2%

100% positive

5-Year rolling

+8.03%

36 windows

min 6.0% · max 10.7%

100% positive

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

7-Year rolling

+7.52%

12 windows

min 7.0% · max 7.9%

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

4.26%

3-year · annualised

Sharpe ratio

0.07

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-4.58%

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
SBI Equity Savings Fund - Regular Plan - Growth	SBI	₹24.7231	17 Jul 2026
Invesco India Equity Savings Fund - Regular Plan - Growth	Invesco	₹16.7139	17 Jul 2026
quant Equity Savings Fund - Growth Option - Regular Plan	Quant	₹10.7660	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹23.2700	17 Jul 2026
Mirae Asset Equity Savings Fund- Regular Plan- Growth	Mirae Asset	₹21.2310	17 Jul 2026
Kotak Equity Savings Fund - Regular - Growth	Kotak	₹27.4040	17 Jul 2026
Edelweiss Equity Savings Fund - Regular Plan - Growth Option	Edelweiss	₹26.9866	17 Jul 2026
DSP Equity Savings Fund - Regular Plan - Growth	DSP	₹22.3950	17 Jul 2026
HSBC Equity Savings Fund - Regular Growth	HSBC	₹36.6803	17 Jul 2026
Baroda BNP Paribas Equity Savings Fund - Regular Plan - Growth	Baroda BNP Paribas	₹17.2643	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.4200
16 Jul 2026	₹17.3900
15 Jul 2026	₹17.4000
14 Jul 2026	₹17.3800
13 Jul 2026	₹17.4300
10 Jul 2026	₹17.4300
9 Jul 2026	₹17.3400
8 Jul 2026	₹17.2700
7 Jul 2026	₹17.4100
6 Jul 2026	₹17.4300

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 - Regular Plan - Growth Option is ₹17.4200. It's a Equity Savings Fund from Union, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Union Equity Savings Fund - Regular Plan - Growth 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 3.32% — -1.03 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #13 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Equity Savings Fund - Regular Plan - Growth Option has delivered a CAGR of 6.90% — -1.91 pp behind the Equity Savings Fund category average of 8.81%. The fund ranks #14 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Union Equity Savings Fund - Regular Plan - Growth Option has delivered a CAGR of 6.39% — -1.47 pp behind the Equity Savings Fund category average of 7.86%. The fund ranks #12 of 12 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Union Equity Savings Fund - Regular Plan - Growth Option exactly 5 years ago would be worth approximately ₹136,306 today — a multiplier of 1.36×, based on the 5-year CAGR of 6.39%. The category average over the same window would have grown ₹1 lakh to ₹146,005.

A ₹10,000 monthly SIP in Union Equity Savings Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹705,212 today. That's an XIRR (money-weighted annualised return) of 6.40%.

Union Equity Savings Fund - Regular 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 ₹1,076,416 — XIRR 6.97%.

On a 5-year basis, Union Equity Savings Fund - Regular Plan - Growth Option ranks #12 out of 12 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 7.86%; this fund delivered 6.39%.

The worst peak-to-trough decline Union Equity Savings Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 6.10% — 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 - Regular Plan - Growth Option averaged 8.03% (best 10.69%, worst 6.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.05 — negative risk-adjusted performance.

In calendar year 2025, Union Equity Savings Fund - Regular Plan - Growth Option returned 4.64% — lagging the Equity Savings Fund category average of 5.91% by 1.27 pp. It ranked #12 of 14 in its category that year.

Union Equity Savings Fund - Regular 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 - Regular 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: 6.1%. 5-year CAGR: 6.39%.

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

Union Equity Savings Fund - Regular 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

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