Should I invest in Union Large & Midcap Fund?

We don't give personal investment advice. Union Large & Midcap 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: 19.6%. 5-year CAGR: 13.93%.

Union

Union Large & Midcap Fund - Direct Plan - IDCW Option

Latest NAV

₹28.9800

As of

17 Jul 2026

1,625 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	-0.14%	+0.15%	-0.29	32 / 36	Q4
1W	+0.14%	-0.20%	+0.34	6 / 36	Q1
2W	+0.94%	+0.24%	+0.70	4 / 36	Q1
1M	+2.26%	+1.73%	+0.53	16 / 36	Q2
3M	+4.89%	+3.75%	+1.13	8 / 36	Q1
6M	+4.77%	+0.56%	+4.21	5 / 36	Q1
YTD	+2.55%	-1.67%	+4.22	5 / 36	Q1
1Y	+5.04%	-0.06%	+5.10	7 / 36	Q1
2Y	+4.12%	-0.46%	+4.58	2 / 34	Q1
3Y	+14.27%	+11.48%	+2.79	13 / 31	Q2
4Y	+15.97%	+13.30%	+2.67	11 / 31	Q2
5Y	+13.93%	+10.82%	+3.11	7 / 31	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+17.45%	+10.89%	+6.56	1 / 36	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	+2.55%	-1.67%	+4.22	5 / 36
2025	+3.00%	+1.18%	+1.82	11 / 35
2024	+22.26%	+19.71%	+2.54	8 / 31
2023	+27.89%	+26.16%	+1.73	14 / 31
2022	-1.87%	+0.59%	-2.46	21 / 31
2021	+39.83%	+33.41%	+6.42	7 / 31
2020	+25.35%	+14.39%	+10.96	4 / 30
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

+22.03%

69 windows

min -3.8% · max 62.4%

96% positive

3-Year rolling

+19.64%

44 windows

min 14.2% · max 31.5%

100% positive

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

5-Year rolling

+19.69%

20 windows

min 13.9% · max 27.6%

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

13.90%

3-year · annualised

Sharpe ratio

0.57

vs risk-free 6.5%

Sortino ratio

0.92

Downside-only deviation

Max drawdown

-18.73%

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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large and Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹47.7870	17 Jul 2026
NIPPON INDIA VISION LARGE & MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹70.7641	17 Jul 2026
SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹373.6439	17 Jul 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - IDCW	ICICI Prudential	₹54.4600	17 Jul 2026
Invesco India Large & Mid Cap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹55.8900	17 Jul 2026
Bandhan Large & Mid Cap Fund - Direct Plan - IDCW	Bandhan	₹36.7850	17 Jul 2026
quant Large & Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹64.5206	17 Jul 2026
Aditya Birla Sun Life Large & Mid Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹210.4900	17 Jul 2026
Motilal Oswal Large and Midcap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹27.8134	17 Jul 2026
Franklin India Large & Mid cap Fund - Direct - IDCW	Franklin India	₹22.8896	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹28.9800
16 Jul 2026	₹29.0200
15 Jul 2026	₹29.0100
14 Jul 2026	₹28.8100
13 Jul 2026	₹28.9900
10 Jul 2026	₹28.9400
9 Jul 2026	₹28.5400
8 Jul 2026	₹28.2300
7 Jul 2026	₹28.7800
6 Jul 2026	₹28.9000

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 17 Jul 2026, the NAV of Union Large & Midcap Fund - Direct Plan - IDCW Option is ₹28.9800. It's a Large & Mid Cap Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Large & Midcap Fund - Direct Plan - IDCW Option has NAV history starting from 13 Dec 2019, a track record of about 6 years 7 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 Large & Midcap Fund - Direct Plan - IDCW Option is managed by Union. It's classified by AMFI under the 'Large & Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Large & Midcap Fund - Direct Plan - IDCW Option has delivered a absolute return of 5.04% — +5.1 pp ahead of the Large & Mid Cap Fund category average of -0.06%. The fund ranks #7 of 36 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Union Large & Midcap Fund - Direct Plan - IDCW Option has delivered a CAGR of 14.27% — +2.79 pp ahead of the Large & Mid Cap Fund category average of 11.48%. The fund ranks #13 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Large & Midcap Fund - Direct Plan - IDCW Option has delivered a CAGR of 13.93% — +3.11 pp ahead of the Large & Mid Cap Fund category average of 10.82%. The fund ranks #7 of 31 in its category — the top (Q1) quartile.

₹1 lakh invested in Union Large & Midcap Fund - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹191,921 today — a multiplier of 1.92×, based on the 5-year CAGR of 13.93%. The category average over the same window would have grown ₹1 lakh to ₹167,152.

A ₹10,000 monthly SIP in Union Large & Midcap Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹830,870 today. That's an XIRR (money-weighted annualised return) of 12.98%.

Union Large & Midcap 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 ₹830,870 — XIRR 12.98%.

On a 5-year basis, Union Large & Midcap Fund - Direct Plan - IDCW Option ranks #7 out of 31 funds in the Large & Mid Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.82%; this fund delivered 13.93%.

The worst peak-to-trough decline Union Large & Midcap Fund - Direct Plan - IDCW Option has experienced over the last 5-year window is 19.59% — 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 Large & Midcap Fund - Direct Plan - IDCW Option averaged 19.69% (best 27.63%, worst 13.93%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — reasonable risk-adjusted performance.

In calendar year 2025, Union Large & Midcap Fund - Direct Plan - IDCW Option returned 3.00% — beating the Large & Mid Cap Fund category average of 1.18% by 1.82 pp. It ranked #11 of 35 in its category that year.

Union Large & Midcap 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 Large & Midcap 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: 19.6%. 5-year CAGR: 13.93%.

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