Should I invest in Union Flexi Cap Fund?

We don't give personal investment advice. Union Flexi Cap Fund - 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: 19.4%. 5-year CAGR: 11.17%.

Union

Union Flexi Cap Fund - IDCW Option

Latest NAV

₹30.9400

As of

3 Jun 2026

3,678 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	+0.13%	-1.56%	+1.69	5 / 53	Q1
1W	-1.90%	-2.17%	+0.27	45 / 52	Q4
2W	-0.13%	-2.38%	+2.25	25 / 52	Q2
1M	-1.78%	-2.00%	+0.22	39 / 52	Q3
3M	-2.33%	+2.39%	-4.72	40 / 51	Q4
6M	-5.72%	+7.23%	-12.95	41 / 49	Q4
YTD	-5.92%	+2.33%	-8.25	39 / 47	Q4
1Y	-2.15%	+17.89%	-20.04	34 / 40	Q4
2Y	+1.43%	+9.71%	-8.28	27 / 35	Q4
3Y	+11.81%	+8.52%	+3.29	13 / 28	Q2
4Y	+12.18%	+2.71%	+9.47	2 / 9	Q1
5Y	+11.17%	+5.29%	+5.88	2 / 7	Q2
7Y	+13.57%	+12.06%	+1.51	1 / 2	Q2
10Y	+9.13%	+9.65%	-0.51	2 / 2	Q4
Inception	+7.84%	+5.50%	+2.34	21 / 53	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	-5.92%	-8.17%	+2.25	2 / 3
2025	+2.56%	+3.71%	-1.15	2 / 3
2024	+16.79%	+18.11%	-1.32	2 / 3
2023	+26.82%	+25.97%	+0.85	2 / 3
2022	-1.15%	-5.08%	+3.93	4 / 8
2021	+36.78%	+17.55%	+19.23	3 / 22
2020	+20.78%	+9.99%	+10.78	4 / 26
2019	+2.59%	+3.34%	-0.75	25 / 39
2018	-10.13%	-13.78%	+3.65	6 / 12
2017	+17.67%	+25.93%	-8.26	11 / 12
2016	-7.28%	-3.21%	-4.06	9 / 12

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

+10.59%

171 windows

min -29.5% · max 80.3%

71% positive

3-Year rolling

+9.52%

146 windows

min -11.8% · max 28.2%

76% positive

5-Year rolling

+8.45%

122 windows

min -9.8% · max 23.2%

84% positive

7-Year rolling

+7.31%

98 windows

min -1.4% · max 15.1%

98% 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

0.41

vs risk-free 6.5%

Sortino ratio

0.60

Downside-only deviation

Max drawdown

-17.71%

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	₹30.9400
2 Jun 2026	₹30.9900
1 Jun 2026	₹30.9500
29 May 2026	₹31.3400
27 May 2026	₹31.7300
26 May 2026	₹31.5900
25 May 2026	₹31.5900
22 May 2026	₹31.1900
21 May 2026	₹31.1400
20 May 2026	₹31.1000

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 - IDCW Option is ₹30.9400. It's a Flexi Cap Fund from Union, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Flexi Cap Fund - IDCW Option has NAV history starting from 17 Jun 2011, a track record of about 14 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 Flexi Cap Fund - 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 - IDCW Option has delivered a absolute return of -2.15% — -20.04 pp behind the Flexi Cap Fund category average of 17.89%. The fund ranks #34 of 40 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Flexi Cap Fund - IDCW Option has delivered a CAGR of 11.81% — +3.29 pp ahead of the Flexi Cap Fund category average of 8.52%. The fund ranks #13 of 28 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Flexi Cap Fund - IDCW Option has delivered a CAGR of 11.17% — +5.88 pp ahead of the Flexi Cap Fund category average of 5.29%. The fund ranks #2 of 7 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Flexi Cap Fund - IDCW Option exactly 10 years ago would be worth approximately ₹239,676 today — a multiplier of 2.40×, based on the 10-year CAGR of 9.13%. The category average over the same window would have grown ₹1 lakh to ₹251,184.

A ₹10,000 monthly SIP in Union Flexi Cap Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹742,475 today. That's an XIRR (money-weighted annualised return) of 8.45%.

A ₹10,000 monthly SIP for 10 years in Union Flexi Cap Fund - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,154,838 (multiplier 1.80×). XIRR: 11.26%. 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 - IDCW Option ranks #2 out of 7 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 5.29%; this fund delivered 11.17%.

The worst peak-to-trough decline Union Flexi Cap Fund - IDCW Option has experienced over the last 5-year window is 19.42% — 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 - IDCW Option averaged 8.45% (best 23.22%, worst -9.82%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is 0.38 — weak risk-adjusted performance.

In calendar year 2025, Union Flexi Cap Fund - IDCW Option returned 2.56% — lagging the Flexi Cap Fund category average of 3.71% by 1.15 pp. It ranked #2 of 3 in its category that year.

Union Flexi Cap Fund - 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 - 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: 19.4%. 5-year CAGR: 11.17%.

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