Should I invest in Union Flexi Cap Fund?

We don't give personal investment advice. Union Flexi Cap Fund - 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: 19.4%. 5-year CAGR: 11.14%.

Union

Union Flexi Cap Fund - Growth Option

Latest NAV

₹52.1900

As of

17 Jul 2026

3,709 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	+0.37%	+0.13%	+0.23	17 / 75	Q1
1W	+0.21%	+0.04%	+0.17	24 / 74	Q2
2W	+0.42%	-0.03%	+0.46	19 / 73	Q2
1M	+3.10%	+1.15%	+1.95	12 / 72	Q1
3M	+4.36%	+4.98%	-0.62	32 / 71	Q2
6M	+2.17%	+8.01%	-5.84	44 / 71	Q3
YTD	+0.06%	+3.91%	-3.85	42 / 71	Q3
1Y	+1.05%	+15.10%	-14.05	44 / 65	Q3
2Y	+1.92%	+7.99%	-6.07	39 / 61	Q3
3Y	+11.44%	+11.25%	+0.19	29 / 55	Q3
4Y	+13.89%	+11.82%	+2.08	11 / 35	Q2
5Y	+11.14%	+10.79%	+0.35	15 / 33	Q2
7Y	+15.49%	+12.57%	+2.92	7 / 28	Q1
10Y	+12.89%	+10.43%	+2.47	10 / 28	Q2
Inception	+11.56%	+9.06%	+2.50	29 / 75	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	+0.06%	-1.05%	+1.10	13 / 27
2025	+2.56%	+2.13%	+0.43	13 / 27
2024	+16.78%	+17.60%	-0.82	14 / 27
2023	+26.82%	+25.30%	+1.52	11 / 27
2022	-1.17%	+0.84%	-2.00	18 / 32
2021	+36.73%	+25.14%	+11.59	6 / 46
2020	+20.74%	+13.07%	+7.67	9 / 50
2019	+11.34%	+4.14%	+7.20	9 / 61
2018	-2.83%	-7.56%	+4.72	6 / 36
2017	+26.64%	+31.98%	-5.33	25 / 36
2016	+0.60%	+1.09%	-0.49	18 / 38

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

+14.21%

172 windows

min -19.9% · max 65.1%

81% positive

3-Year rolling

+13.79%

148 windows

min -2.1% · max 30.0%

99% positive

5-Year rolling

+13.11%

123 windows

min -0.8% · max 25.9%

99% positive

7-Year rolling

+12.44%

99 windows

min 5.7% · max 17.0%

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

12.73%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.63

Downside-only deviation

Max drawdown

-17.69%

Sep 2024 → Feb 2025

% 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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Equity Fund - Dividend Option	HDFC	₹73.8450	17 Jul 2026
SBI Magnum Multicap Fund - Dividend Option	SBI	₹48.2854	17 Jul 2026
ICICI Prudential Flexicap Fund - Growth	ICICI Prudential	₹19.9500	17 Jul 2026
Franklin India Prima Plus-Dividend	Franklin Templeton	₹62.3718	17 Jul 2026
Kotak Flexicap Fund - Growth	Kotak	₹85.9620	17 Jul 2026
HSBC India Opportunities Fund - Dividend	HSBC	₹42.2405	17 Jul 2026
Canara Robeco Equity Diversified-Growth	Canara Robeco	₹342.0300	17 Jul 2026
UTI - Equity Fund-Growth Option	UTI	₹318.2605	17 Jul 2026
Birla Sun Life Equity Fund-Plan A(Dividend)	Birla Sun Life	₹165.6000	17 Jul 2026
Escorts Power & Energy Fund - Dividend Option	Escorts	₹77.6979	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹52.1900
16 Jul 2026	₹52.0000
15 Jul 2026	₹52.0800
14 Jul 2026	₹51.7800
13 Jul 2026	₹52.1300
10 Jul 2026	₹52.0800
9 Jul 2026	₹51.4100
8 Jul 2026	₹50.9300
7 Jul 2026	₹51.9000
6 Jul 2026	₹52.2400

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 Flexi Cap Fund - Growth Option is ₹52.1900. It's a Flexi Cap Fund from Union, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Union Flexi Cap Fund - Growth Option has NAV history starting from 17 Jun 2011, a track record of about 15 years 1 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Union Flexi Cap Fund - Growth 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 - Growth Option has delivered a absolute return of 1.05% — -14.05 pp behind the Flexi Cap Fund category average of 15.10%. The fund ranks #44 of 65 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union Flexi Cap Fund - Growth Option has delivered a CAGR of 11.44% — +0.19 pp ahead of the Flexi Cap Fund category average of 11.25%. The fund ranks #29 of 55 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Union Flexi Cap Fund - Growth Option has delivered a CAGR of 11.14% — +0.35 pp ahead of the Flexi Cap Fund category average of 10.79%. The fund ranks #15 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Flexi Cap Fund - Growth Option exactly 10 years ago would be worth approximately ₹336,277 today — a multiplier of 3.36×, based on the 10-year CAGR of 12.89%. The category average over the same window would have grown ₹1 lakh to ₹269,598.

A ₹10,000 monthly SIP in Union Flexi Cap Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹777,824 today. That's an XIRR (money-weighted annualised return) of 10.32%.

A ₹10,000 monthly SIP for 10 years in Union Flexi Cap Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,427,808 (multiplier 2.02×). XIRR: 13.50%. 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 - Growth Option ranks #15 out of 33 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 10.79%; this fund delivered 11.14%.

The worst peak-to-trough decline Union Flexi Cap Fund - Growth Option has experienced over the last 5-year window is 19.40% — its NAV fell from a high on 18 Oct 2021 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 - Growth Option averaged 13.11% (best 25.89%, worst -0.79%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2025, Union Flexi Cap Fund - Growth Option returned 2.56% — beating the Flexi Cap Fund category average of 2.13% by 0.43 pp. It ranked #13 of 27 in its category that year.

Union Flexi Cap Fund - 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 Flexi Cap Fund - 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: 19.4%. 5-year CAGR: 11.14%.

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