Should I invest in Union Small Cap Fund?

We don't give personal investment advice. Union Small Cap Fund - Direct Plan - 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: 26.2%. 5-year CAGR: 17.21%.

Union

Union Small Cap Fund - Direct Plan - Growth Option

Latest NAV

₹63.6500

As of

17 Jul 2026

2,971 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	-0.81%	-0.55%	-0.26	34 / 36	Q4
1W	-1.13%	-0.78%	-0.36	27 / 36	Q3
2W	+0.90%	+0.21%	+0.69	4 / 36	Q1
1M	+2.53%	+2.84%	-0.31	22 / 36	Q3
3M	+12.42%	+10.77%	+1.65	10 / 36	Q2
6M	+20.94%	+14.16%	+6.78	5 / 34	Q1
YTD	+17.05%	+10.96%	+6.09	6 / 33	Q1
1Y	+15.00%	+6.25%	+8.74	3 / 32	Q1
2Y	+9.78%	+4.89%	+4.90	3 / 29	Q1
3Y	+19.51%	+18.29%	+1.22	7 / 25	Q2
4Y	+20.70%	+21.13%	-0.43	12 / 22	Q3
5Y	+17.21%	+17.21%	+0.01	12 / 22	Q3
7Y	+25.19%	+24.32%	+0.86	7 / 18	Q2
10Y	+17.45%	+18.28%	-0.83	8 / 13	Q3
Inception	+16.48%	+19.38%	-2.90	28 / 36	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
2026 YTD	+17.05%	+10.96%	+6.09	6 / 33
2025	-4.65%	-4.11%	-0.54	17 / 30
2024	+24.82%	+27.89%	-3.07	19 / 28
2023	+43.04%	+43.05%	-0.01	13 / 24
2022	-0.03%	+2.92%	-2.95	16 / 22
2021	+61.94%	+63.14%	-1.20	11 / 21
2020	+30.57%	+32.77%	-2.20	8 / 18
2019	+2.88%	+0.57%	+2.31	8 / 16
2018	-19.68%	-16.20%	-3.49	9 / 13
2017	+42.18%	+49.31%	-7.13	11 / 13
2016	-3.07%	+6.15%	-9.23	13 / 13

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

+18.11%

136 windows

min -23.9% · max 107.4%

77% positive

3-Year rolling

+17.58%

111 windows

min -7.1% · max 40.4%

94% positive

5-Year rolling

+17.69%

87 windows

min -1.2% · max 35.3%

98% positive

7-Year rolling

+17.53%

63 windows

min 12.6% · max 25.2%

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

18.72%

3-year · annualised

Sharpe ratio

0.70

vs risk-free 6.5%

Sortino ratio

1.04

Downside-only deviation

Max drawdown

-26.24%

Dec 2024 → Mar 2025

% positive months

72.2%

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 Small Cap Fund

Scheme	Fund house	NAV	As of
HDFC Small Cap Fund - Growth Option - Direct Plan	HDFC	₹160.5300	17 Jul 2026
Nippon India Small Cap Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹203.5938	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Growth	SBI	₹208.9152	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - Growth	ICICI Prudential	₹100.5000	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - Growth	Invesco	₹52.7200	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN GROWTH	Bandhan	₹55.5270	17 Jul 2026
quant Small Cap Fund - Growth Option - Direct Plan	Quant	₹313.4689	17 Jul 2026
QUANTUM SMALL CAP FUND - DIRECT PLAN GROWTH OPTION	Quantum	₹13.9100	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹109.4685	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct - Growth	Motilal Oswal	₹16.8394	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹63.6500
16 Jul 2026	₹64.1700
15 Jul 2026	₹64.4500
14 Jul 2026	₹63.7600
13 Jul 2026	₹64.1800
10 Jul 2026	₹64.3800
9 Jul 2026	₹63.5300
8 Jul 2026	₹62.1600
7 Jul 2026	₹63.0000
6 Jul 2026	₹63.5900

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 Small Cap Fund - Direct Plan - Growth Option is ₹63.6500. It's a Small Cap Fund from Union, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Union Small Cap Fund - Direct Plan - Growth Option has NAV history starting from 17 Jun 2014, a track record of about 12 years 1 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 Small Cap Fund - Direct Plan - Growth Option is managed by Union. It's classified by AMFI under the 'Small Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union Small Cap Fund - Direct Plan - Growth Option has delivered a absolute return of 15.00% — +8.74 pp ahead of the Small Cap Fund category average of 6.25%. The fund ranks #3 of 32 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Union Small Cap Fund - Direct Plan - Growth Option has delivered a CAGR of 19.51% — +1.22 pp ahead of the Small Cap Fund category average of 18.29%. The fund ranks #7 of 25 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Small Cap Fund - Direct Plan - Growth Option has delivered a CAGR of 17.21% — +0.01 pp ahead of the Small Cap Fund category average of 17.21%. The fund ranks #12 of 22 in its category — the third (Q3) quartile.

₹1 lakh invested in Union Small Cap Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹499,609 today — a multiplier of 5.00×, based on the 10-year CAGR of 17.45%. The category average over the same window would have grown ₹1 lakh to ₹536,108.

A ₹10,000 monthly SIP in Union Small Cap Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹954,547 today. That's an XIRR (money-weighted annualised return) of 18.63%.

A ₹10,000 monthly SIP for 10 years in Union Small Cap Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹3,490,119 (multiplier 2.91×). XIRR: 20.24%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Union Small Cap Fund - Direct Plan - Growth Option ranks #12 out of 22 funds in the Small Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 17.21%; this fund delivered 17.21%.

The worst peak-to-trough decline Union Small Cap Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 26.24% — its NAV fell from a high on 11 Dec 2024 to a low on 03 Mar 2025. 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 Small Cap Fund - Direct Plan - Growth Option averaged 17.69% (best 35.25%, worst -1.21%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.60 — reasonable risk-adjusted performance.

In calendar year 2025, Union Small Cap Fund - Direct Plan - Growth Option returned -4.65% — lagging the Small Cap Fund category average of -4.11% by 0.54 pp. It ranked #17 of 30 in its category that year.

Union Small Cap Fund - Direct Plan - 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 Small Cap Fund - Direct Plan - 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: 26.2%. 5-year CAGR: 17.21%.

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