Should I invest in Union Equity Savings Fund?

We don't give personal investment advice. Union Equity Savings Fund - Regular 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: 6.1%. 5-year CAGR: 5.89%.

Union

Union Equity Savings Fund - Regular Plan - IDCW Option

Latest NAV

₹16.8800

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

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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	-0.06%	0.00%	-0.06	24 / 31	Q4
1W	-0.59%	-0.52%	-0.06	20 / 31	Q3
2W	-0.06%	-0.20%	+0.14	8 / 31	Q2
1M	-1.00%	-0.36%	-0.63	28 / 31	Q4
3M	-1.11%	-0.98%	-0.14	17 / 31	Q3
6M	-1.52%	-2.07%	+0.56	17 / 31	Q3
YTD	-1.57%	-2.02%	+0.44	13 / 31	Q2
1Y	+1.44%	+0.21%	+1.23	16 / 30	Q3
2Y	+3.20%	+1.92%	+1.28	13 / 29	Q2
3Y	+6.79%	+4.84%	+1.95	12 / 28	Q2
4Y	+6.87%	+4.52%	+2.35	10 / 24	Q2
5Y	+5.89%	+3.63%	+2.26	10 / 24	Q2
7Y	+6.84%	+4.64%	+2.20	9 / 24	Q2
10Y	—	—	—	—	—
Inception	+6.90%	+4.74%	+2.16	11 / 31	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	-1.57%	-2.62%	+1.05	11 / 29
2025	+4.64%	+1.74%	+2.90	10 / 27
2024	+8.35%	+7.43%	+0.92	15 / 28
2023	+11.53%	+8.86%	+2.67	10 / 26
2022	+1.66%	-1.13%	+2.79	8 / 24
2021	+8.76%	+8.85%	-0.10	14 / 25
2020	+10.99%	+9.17%	+1.82	8 / 25
2019	+8.06%	+4.21%	+3.85	6 / 23
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

+7.69%

83 windows

min -6.1% · max 26.4%

95% positive

3-Year rolling

+7.98%

59 windows

min 6.3% · max 10.5%

100% positive

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

5-Year rolling

+8.05%

35 windows

min 5.9% · max 9.7%

100% positive

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

7-Year rolling

+7.47%

10 windows

min 6.8% · 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

4.41%

3-year · annualised

Sharpe ratio

0.04

vs risk-free 6.5%

Sortino ratio

0.07

Downside-only deviation

Max drawdown

-4.58%

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
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5225	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.2477	3 Jun 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.3290	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.3253	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0500	3 Jun 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.2450	3 Jun 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹19.6748	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.1949	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹11.9260	3 Jun 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.3237	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.8800
2 Jun 2026	₹16.8800
1 Jun 2026	₹16.8900
29 May 2026	₹16.9400
27 May 2026	₹17.0100
26 May 2026	₹16.9800
25 May 2026	₹16.9800
22 May 2026	₹16.8900
21 May 2026	₹16.9100
20 May 2026	₹16.9000

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 - Regular Plan - IDCW Option is ₹16.8800. It's a Equity Savings Fund from Union, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Equity Savings Fund - Regular Plan - IDCW 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 - Regular 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 - Regular Plan - IDCW Option has delivered a absolute return of 1.44% — +1.23 pp ahead of the Equity Savings Fund category average of 0.21%. The fund ranks #16 of 30 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union Equity Savings Fund - Regular Plan - IDCW Option has delivered a CAGR of 6.79% — +1.95 pp ahead of the Equity Savings Fund category average of 4.84%. The fund ranks #12 of 28 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Equity Savings Fund - Regular Plan - IDCW Option has delivered a CAGR of 5.89% — +2.26 pp ahead of the Equity Savings Fund category average of 3.63%. The fund ranks #10 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Equity Savings Fund - Regular Plan - IDCW Option exactly 5 years ago would be worth approximately ₹133,123 today — a multiplier of 1.33×, based on the 5-year CAGR of 5.89%. The category average over the same window would have grown ₹1 lakh to ₹119,495.

A ₹10,000 monthly SIP in Union Equity Savings Fund - Regular Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹688,689 today. That's an XIRR (money-weighted annualised return) of 5.45%.

Union Equity Savings Fund - Regular 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 ₹1,052,018 — XIRR 6.33%.

On a 5-year basis, Union Equity Savings Fund - Regular Plan - IDCW Option ranks #10 out of 24 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 3.63%; this fund delivered 5.89%.

The worst peak-to-trough decline Union Equity Savings Fund - Regular Plan - IDCW 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 - IDCW Option averaged 8.05% (best 9.70%, worst 5.89%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.13 — negative risk-adjusted performance.

In calendar year 2025, Union Equity Savings Fund - Regular Plan - IDCW Option returned 4.64% — beating the Equity Savings Fund category average of 1.74% by 2.90 pp. It ranked #10 of 27 in its category that year.

Union Equity Savings Fund - Regular 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 - Regular 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: 6.1%. 5-year CAGR: 5.89%.

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 - 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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