Should I invest in Union Focused Fund?

We don't give personal investment advice. Union Focused 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: 18.4%. 5-year CAGR: 11.62%.

Union

Union Focused Fund - Direct Plan - IDCW Option

Latest NAV

₹29.1900

As of

17 Jul 2026

1,705 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	-0.41%	+0.35%	-0.76	28 / 29	Q4
1W	-0.27%	-0.02%	-0.25	22 / 29	Q4
2W	+0.72%	+0.35%	+0.37	7 / 29	Q1
1M	+1.71%	+1.88%	-0.18	20 / 29	Q3
3M	+6.38%	+3.92%	+2.46	5 / 29	Q1
6M	+10.82%	-1.14%	+11.96	2 / 29	Q1
YTD	+9.00%	-2.65%	+11.65	2 / 29	Q1
1Y	+7.83%	-1.46%	+9.29	5 / 29	Q1
2Y	+4.91%	-0.81%	+5.72	4 / 29	Q1
3Y	+12.37%	+9.65%	+2.72	9 / 28	Q2
4Y	+13.99%	+11.29%	+2.69	11 / 26	Q2
5Y	+11.62%	+9.28%	+2.34	10 / 23	Q2
7Y	+16.50%	+11.75%	+4.75	5 / 16	Q2
10Y	—	—	—	—	—
Inception	+16.68%	+11.41%	+5.27	3 / 29	Q1

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	+9.00%	-2.65%	+11.65	2 / 29
2025	-1.33%	+1.64%	-2.97	21 / 29
2024	+17.72%	+16.89%	+0.83	13 / 28
2023	+21.21%	+23.20%	-1.99	16 / 26
2022	+0.86%	-1.34%	+2.20	13 / 24
2021	+35.25%	+29.51%	+5.73	8 / 21
2020	+21.38%	+13.97%	+7.41	4 / 18
2019	—	—	—	—

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

+19.11%

73 windows

min -2.6% · max 63.9%

92% positive

3-Year rolling

+17.12%

49 windows

min 10.5% · max 30.0%

100% positive

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

5-Year rolling

+17.45%

24 windows

min 11.4% · max 24.3%

100% positive

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

7-Year rolling

—

Insufficient history

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

12.26%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

0.82

Downside-only deviation

Max drawdown

-17.00%

Sep 2024 → Feb 2025

% positive months

63.9%

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 Focused Fund

Scheme	Fund house	NAV	As of
HDFC Focused Fund - IDCW Option - Direct Plan	HDFC	₹31.8880	17 Jul 2026
NIPPON INDIA FOCUSED FUND - DIRECT Plan - IDCW Option	Nippon India	₹45.4917	17 Jul 2026
SBI Focused Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹108.5791	17 Jul 2026
ICICI Prudential Focused Equity Fund - Direct Plan - IDCW	ICICI Prudential	₹64.7800	17 Jul 2026
Invesco India Focused Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹23.1300	17 Jul 2026
Bandhan Focused Fund - Direct Plan - IDCW	Bandhan	₹33.7900	17 Jul 2026
quant Focused Fund - IDCW Option - Direct Plan	Quant	₹61.8201	17 Jul 2026
Aditya Birla Sun Life Focused Fund -Direct - IDCW	Aditya Birla Sun Life	₹59.6604	17 Jul 2026
Motilal Oswal Focused Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹24.0610	17 Jul 2026
Franklin India Focused Equity Fund - Direct - IDCW	Franklin India	₹40.5792	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹29.1900
16 Jul 2026	₹29.3100
15 Jul 2026	₹29.4200
14 Jul 2026	₹29.1000
13 Jul 2026	₹29.2400
10 Jul 2026	₹29.2700
9 Jul 2026	₹28.9500
8 Jul 2026	₹28.5900
7 Jul 2026	₹29.0800
6 Jul 2026	₹29.2700

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 Focused Fund - Direct Plan - IDCW Option is ₹29.1900. It's a Focused Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Focused Fund - Direct Plan - IDCW Option has NAV history starting from 13 Aug 2019, a track record of about 6 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 Focused Fund - Direct Plan - IDCW Option is managed by Union. It's classified by AMFI under the 'Focused Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Focused Fund - Direct Plan - IDCW Option has delivered a absolute return of 7.83% — +9.29 pp ahead of the Focused Fund category average of -1.46%. The fund ranks #5 of 29 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Union Focused Fund - Direct Plan - IDCW Option has delivered a CAGR of 12.37% — +2.72 pp ahead of the Focused Fund category average of 9.65%. The fund ranks #9 of 28 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Focused Fund - Direct Plan - IDCW Option has delivered a CAGR of 11.62% — +2.34 pp ahead of the Focused Fund category average of 9.28%. The fund ranks #10 of 23 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Focused Fund - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹173,234 today — a multiplier of 1.73×, based on the 5-year CAGR of 11.62%. The category average over the same window would have grown ₹1 lakh to ₹155,818.

A ₹10,000 monthly SIP in Union Focused Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹806,009 today. That's an XIRR (money-weighted annualised return) of 11.75%.

Union Focused Fund - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹806,009 — XIRR 11.75%.

On a 5-year basis, Union Focused Fund - Direct Plan - IDCW Option ranks #10 out of 23 funds in the Focused Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 9.28%; this fund delivered 11.62%.

The worst peak-to-trough decline Union Focused Fund - Direct Plan - IDCW Option has experienced over the last 5-year window is 18.36% — 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 Focused Fund - Direct Plan - IDCW Option averaged 17.45% (best 24.33%, worst 11.36%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2025, Union Focused Fund - Direct Plan - IDCW Option returned -1.33% — lagging the Focused Fund category average of 1.64% by 2.97 pp. It ranked #21 of 29 in its category that year.

Union Focused 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 Focused 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: 18.4%. 5-year CAGR: 11.62%.

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