Should I invest in Union Small Cap Fund?

We don't give personal investment advice. Union Small Cap 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: 26.2%. 5-year CAGR: 14.24%.

Union

Union Small Cap Fund - Direct Plan - IDCW Option

Latest NAV

₹41.8900

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%	-0.57%	-0.24	32 / 35	Q4
1W	-1.11%	-0.78%	-0.33	26 / 35	Q3
2W	+0.92%	+0.24%	+0.68	4 / 35	Q1
1M	-9.86%	+2.49%	-12.35	35 / 35	Q4
3M	-1.16%	+9.82%	-10.98	35 / 35	Q4
6M	+6.35%	+11.04%	-4.70	25 / 34	Q3
YTD	+2.92%	+7.75%	-4.82	24 / 33	Q3
1Y	+1.11%	+2.05%	-0.94	17 / 31	Q3
2Y	+2.94%	+0.72%	+2.22	7 / 28	Q1
3Y	+14.48%	+13.37%	+1.11	9 / 25	Q2
4Y	+16.89%	+16.28%	+0.61	10 / 22	Q2
5Y	+14.24%	+12.69%	+1.55	10 / 22	Q2
7Y	+22.92%	+19.45%	+3.47	4 / 18	Q1
10Y	+12.64%	+12.48%	+0.16	6 / 12	Q2
Inception	+12.52%	+16.03%	-3.51	26 / 35	Q3

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	+2.92%	+7.75%	-4.82	24 / 33
2025	-4.66%	-7.90%	+3.24	7 / 29
2024	+24.85%	+24.76%	+0.09	15 / 27
2023	+43.01%	+37.24%	+5.78	6 / 24
2022	+0.00%	-0.11%	+0.11	11 / 22
2021	+61.96%	+55.27%	+6.69	7 / 21
2020	+30.49%	+29.60%	+0.89	6 / 18
2019	+3.00%	-1.92%	+4.92	8 / 15
2018	-35.67%	-22.11%	-13.55	10 / 12
2017	+32.88%	+42.66%	-9.79	10 / 12
2016	-3.07%	+2.55%	-5.62	10 / 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

+15.65%

136 windows

min -39.1% · max 107.5%

73% positive

3-Year rolling

+14.32%

111 windows

min -15.7% · max 40.5%

68% positive

5-Year rolling

+14.45%

87 windows

min -6.8% · max 35.3%

84% positive

7-Year rolling

+14.14%

63 windows

min 8.0% · max 23.9%

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

19.83%

3-year · annualised

Sharpe ratio

0.45

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-26.24%

Dec 2024 → Mar 2025

% positive months

69.4%

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 - IDCW Option - Direct Plan	HDFC	₹64.9880	17 Jul 2026
NIPPON INDIA SMALL CAP FUND - Direct Plan - IDCW Option	Nippon India	₹108.2762	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹142.5935	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - IDCW	ICICI Prudential	₹69.5500	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹39.1700	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN IDCW	Bandhan	₹38.6450	17 Jul 2026
quant Small Cap Fund - IDCW Option - Direct Plan	Quant	₹245.0357	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹76.8382	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct IDCW	Motilal Oswal	₹16.8394	17 Jul 2026
Franklin India Small Cap Fund - Direct - IDCW	Franklin India	₹52.9724	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹41.8900
16 Jul 2026	₹42.2300
15 Jul 2026	₹42.4100
14 Jul 2026	₹41.9600
13 Jul 2026	₹42.2300
10 Jul 2026	₹42.3600
9 Jul 2026	₹41.8100
8 Jul 2026	₹40.9000
7 Jul 2026	₹41.4600
6 Jul 2026	₹41.8400

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 - IDCW Option is ₹41.8900. It's a Small Cap Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Small Cap Fund - Direct Plan - IDCW 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 - IDCW 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 - IDCW Option has delivered a absolute return of 1.11% — -0.94 pp behind the Small Cap Fund category average of 2.05%. The fund ranks #17 of 31 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union Small Cap Fund - Direct Plan - IDCW Option has delivered a CAGR of 14.48% — +1.11 pp ahead of the Small Cap Fund category average of 13.37%. The fund ranks #9 of 25 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Small Cap Fund - Direct Plan - IDCW Option has delivered a CAGR of 14.24% — +1.55 pp ahead of the Small Cap Fund category average of 12.69%. The fund ranks #10 of 22 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Small Cap Fund - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹328,808 today — a multiplier of 3.29×, based on the 10-year CAGR of 12.64%. The category average over the same window would have grown ₹1 lakh to ₹324,109.

A ₹10,000 monthly SIP in Union Small Cap Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹839,309 today. That's an XIRR (money-weighted annualised return) of 13.39%.

A ₹10,000 monthly SIP for 10 years in Union Small Cap Fund - Direct Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,875,947 (multiplier 2.40×). XIRR: 16.66%. 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 - IDCW Option ranks #10 out of 22 funds in the Small Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.69%; this fund delivered 14.24%.

The worst peak-to-trough decline Union Small Cap Fund - Direct Plan - IDCW 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 - IDCW Option averaged 14.45% (best 35.25%, worst -6.77%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, Union Small Cap Fund - Direct Plan - IDCW Option returned -4.66% — beating the Small Cap Fund category average of -7.90% by 3.24 pp. It ranked #7 of 29 in its category that year.

Union Small Cap 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 Small Cap 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: 26.2%. 5-year CAGR: 14.24%.

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