Union

Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years

Latest NAV

₹1,000.0000

As of

30 Nov 2021

1,163 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	+0.00%	-0.84%	+0.84	108 / 117	Q4
1W	+0.00%	-1.30%	+1.30	105 / 116	Q4
2W	+0.00%	-1.26%	+1.26	98 / 116	Q4
1M	+0.00%	-1.18%	+1.18	99 / 115	Q4
3M	+0.00%	-0.77%	+0.77	103 / 115	Q4
6M	+0.00%	-0.25%	+0.25	103 / 116	Q4
YTD	+0.00%	-0.28%	+0.28	99 / 116	Q4
1Y	+0.00%	+0.81%	-0.81	99 / 115	Q4
2Y	+0.00%	+1.09%	-1.09	92 / 111	Q4
3Y	+0.67%	+1.15%	-0.48	45 / 101	Q2
4Y	+0.00%	+1.01%	-1.01	73 / 92	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.00%	+1.27%	-1.27	101 / 114	Q4

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
2021 YTD	+0.00%	+1.01%	-1.01	65 / 80
2020	+0.00%	+0.34%	-0.34	66 / 87
2019	+1.47%	+2.59%	-1.12	37 / 87
2018	—	—	—	—

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

+0.21%

36 windows

min -1.2% · max 3.0%

17% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.23%

11 windows

min 0.0% · max 1.0%

27% positive

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

5-Year rolling

—

Insufficient history

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

0.56%

3-year · annualised

Sharpe ratio

-10.35

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.24%

Mar 2019 → Mar 2020

% positive months

11.1%

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 Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund-Dividend - Daily	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,017.6155	3 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹189.7289	3 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	3 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7935	3 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	3 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	3 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	3 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	3 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	3 Jun 2026

Recent NAVs

Date	NAV
30 Nov 2021	₹1,000.0000
29 Nov 2021	₹1,000.0000
28 Nov 2021	₹1,000.0000
27 Nov 2021	₹1,000.0000
25 Nov 2021	₹1,000.0000
24 Nov 2021	₹1,000.0000
23 Nov 2021	₹1,000.0000
22 Nov 2021	₹1,000.0000
21 Nov 2021	₹1,000.0000
19 Nov 2021	₹1,000.0000

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 30 Nov 2021, the NAV of Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years is ₹1,000.0000. It's a Liquid Fund from Union, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years has NAV history starting from 19 Jan 2018, a track record of about 8 years 4 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 Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years is managed by Union. It's classified by AMFI under the 'Liquid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years has delivered a absolute return of 0.00% — -0.81 pp behind the Liquid Fund category average of 0.81%. The fund ranks #99 of 115 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years has delivered a CAGR of 0.67% — -0.48 pp behind the Liquid Fund category average of 1.15%. The fund ranks #45 of 101 in its category — the second (Q2) quartile.

Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years exactly 3 years ago would be worth approximately ₹102,017 today — a multiplier of 1.02×, based on the 3-year CAGR of 0.67%. The category average over the same window would have grown ₹1 lakh to ₹103,490.

A ₹10,000 monthly SIP in Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years over the last 3 years — total invested ₹360,000 — would be worth ₹360,497 today. That's an XIRR (money-weighted annualised return) of 0.09%.

Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹360,497 — XIRR 0.09%.

On a 3-year basis, Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years ranks #45 out of 101 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.15%; this fund delivered 0.67%.

The worst peak-to-trough decline Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years has experienced over the last 3-year window is 0.24% — its NAV fell from a high on 24 Mar 2019 to a low on 24 Mar 2020. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years averaged 0.23% (best 1.04%, worst 0.00%). 27% of rolling windows ended positive. The 3-year Sharpe ratio is -10.35 — negative risk-adjusted performance.

In calendar year 2020, Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years returned 0.00% — lagging the Liquid Fund category average of 0.34% by 0.34 pp. It ranked #66 of 87 in its category that year.

Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding.

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