Should I invest in Union Flexi Cap Fund?

We don't give personal investment advice. Union Flexi Cap 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: 18.9%. 5-year CAGR: 12.41%.

Union

Union Flexi Cap Fund - Direct Plan - IDCW Option

Latest NAV

₹48.1000

As of

3 Jun 2026

3,299 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	+0.15%	-0.75%	+0.90	33 / 105	Q2
1W	-1.87%	-1.81%	-0.06	86 / 104	Q4
2W	-0.10%	-1.11%	+1.01	58 / 104	Q3
1M	-1.69%	-1.16%	-0.53	84 / 104	Q4
3M	-2.07%	+1.00%	-3.07	74 / 103	Q3
6M	-5.21%	+1.92%	-7.13	67 / 100	Q3
YTD	-5.51%	-1.23%	-4.28	67 / 98	Q3
1Y	-1.09%	+9.43%	-10.52	60 / 88	Q3
2Y	+2.55%	+5.85%	-3.29	50 / 82	Q3
3Y	+13.09%	+10.05%	+3.04	30 / 71	Q2
4Y	+13.46%	+9.63%	+3.84	13 / 39	Q2
5Y	+12.41%	+8.82%	+3.59	11 / 34	Q2
7Y	+14.72%	+10.71%	+4.02	3 / 27	Q1
10Y	+12.11%	+8.89%	+3.22	3 / 17	Q1
Inception	+11.66%	+8.04%	+3.62	33 / 105	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	-5.51%	-6.20%	+0.69	23 / 46
2025	+3.71%	+1.97%	+1.74	18 / 43
2024	+18.16%	+18.83%	-0.67	17 / 42
2023	+28.26%	+26.32%	+1.93	15 / 36
2022	+0.03%	-2.27%	+2.30	19 / 36
2021	+37.93%	+23.11%	+14.81	5 / 50
2020	+21.63%	+11.58%	+10.05	7 / 56
2019	+6.32%	+5.80%	+0.52	34 / 68
2018	-10.05%	-11.53%	+1.48	14 / 33
2017	+27.33%	+29.49%	-2.16	15 / 30
2016	+1.57%	-0.10%	+1.67	10 / 30

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

+14.67%

152 windows

min -24.0% · max 81.8%

76% positive

3-Year rolling

+12.52%

127 windows

min -8.3% · max 29.5%

96% positive

5-Year rolling

+12.39%

103 windows

min -4.4% · max 24.5%

98% positive

7-Year rolling

+11.84%

79 windows

min 4.0% · max 16.7%

100% 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

13.85%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

0.73

Downside-only deviation

Max drawdown

-17.30%

Sep 2024 → Feb 2025

% positive months

75.0%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹58.6919	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹48.1000
2 Jun 2026	₹48.1800
1 Jun 2026	₹48.1100
29 May 2026	₹48.7300
27 May 2026	₹49.3200
26 May 2026	₹49.1000
25 May 2026	₹49.1000
22 May 2026	₹48.4800
21 May 2026	₹48.4000
20 May 2026	₹48.3400

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 Flexi Cap Fund - Direct Plan - IDCW Option is ₹48.1000. It's a Flexi Cap Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Flexi Cap Fund - Direct Plan - IDCW Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 Flexi Cap Fund - Direct Plan - IDCW Option is managed by Union. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Flexi Cap Fund - Direct Plan - IDCW Option has delivered a absolute return of -1.09% — -10.52 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #60 of 88 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union Flexi Cap Fund - Direct Plan - IDCW Option has delivered a CAGR of 13.09% — +3.04 pp ahead of the Flexi Cap Fund category average of 10.05%. The fund ranks #30 of 71 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Flexi Cap Fund - Direct Plan - IDCW Option has delivered a CAGR of 12.41% — +3.59 pp ahead of the Flexi Cap Fund category average of 8.82%. The fund ranks #11 of 34 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Flexi Cap Fund - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹313,671 today — a multiplier of 3.14×, based on the 10-year CAGR of 12.11%. The category average over the same window would have grown ₹1 lakh to ₹234,455.

A ₹10,000 monthly SIP in Union Flexi Cap Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹766,369 today. That's an XIRR (money-weighted annualised return) of 9.72%.

A ₹10,000 monthly SIP for 10 years in Union Flexi Cap Fund - Direct Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,355,681 (multiplier 1.96×). XIRR: 12.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Union Flexi Cap Fund - Direct Plan - IDCW Option ranks #11 out of 34 funds in the Flexi Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.82%; this fund delivered 12.41%.

The worst peak-to-trough decline Union Flexi Cap Fund - Direct Plan - IDCW Option has experienced over the last 5-year window is 18.92% — its NAV fell from a high on 17 Jan 2022 to a low on 20 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 Flexi Cap Fund - Direct Plan - IDCW Option averaged 12.39% (best 24.53%, worst -4.41%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2025, Union Flexi Cap Fund - Direct Plan - IDCW Option returned 3.71% — beating the Flexi Cap Fund category average of 1.97% by 1.74 pp. It ranked #18 of 43 in its category that year.

Union Flexi Cap 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 Flexi Cap 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: 18.9%. 5-year CAGR: 12.41%.

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