Should I invest in Union Small Cap Fund?

We don't give personal investment advice. Union Small Cap Fund - Regular 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: 26.4%. 5-year CAGR: 17.33%.

Union

Union Small Cap Fund - Regular Plan - Growth Option

Latest NAV

₹53.1600

As of

3 Jun 2026

2,940 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	+0.40%	+0.48%	-0.08	19 / 27	Q3
1W	-2.17%	-0.69%	-1.48	26 / 27	Q4
2W	+0.38%	+1.47%	-1.10	22 / 27	Q4
1M	-0.04%	+1.02%	-1.05	16 / 27	Q3
3M	+9.07%	+10.12%	-1.06	13 / 25	Q3
6M	+7.31%	+3.06%	+4.25	4 / 24	Q1
YTD	+8.51%	+3.98%	+4.53	4 / 24	Q1
1Y	+14.13%	+4.95%	+9.18	2 / 23	Q1
2Y	+8.96%	+6.32%	+2.64	6 / 20	Q2
3Y	+18.94%	+17.81%	+1.14	6 / 16	Q2
4Y	+18.22%	+17.92%	+0.29	6 / 13	Q2
5Y	+17.33%	+16.41%	+0.92	5 / 13	Q2
7Y	+21.27%	+20.78%	+0.49	3 / 9	Q2
10Y	+16.07%	+17.10%	-1.03	4 / 4	Q4
Inception	+14.93%	+15.19%	-0.26	16 / 27	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	+8.51%	+3.98%	+4.53	4 / 24
2025	-5.74%	-5.58%	-0.16	12 / 21
2024	+23.32%	+28.55%	-5.23	16 / 19
2023	+41.38%	+39.81%	+1.57	7 / 15
2022	-1.01%	+0.62%	-1.64	9 / 13
2021	+60.73%	+57.64%	+3.09	6 / 12
2020	+29.71%	+32.44%	-2.74	6 / 9
2019	+2.34%	+5.44%	-3.11	5 / 7
2018	-20.27%	-18.51%	-1.76	3 / 4
2017	+40.85%	+49.46%	-8.61	3 / 4
2016	-4.22%	+2.96%	-7.19	4 / 4

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

+16.78%

134 windows

min -24.8% · max 104.0%

75% positive

3-Year rolling

+16.17%

110 windows

min -9.5% · max 39.7%

92% positive

5-Year rolling

+16.57%

85 windows

min -3.7% · max 31.9%

98% positive

7-Year rolling

+16.29%

61 windows

min 11.0% · max 21.5%

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

19.46%

3-year · annualised

Sharpe ratio

0.66

vs risk-free 6.5%

Sortino ratio

1.05

Downside-only deviation

Max drawdown

-26.43%

Dec 2024 → Mar 2025

% positive months

66.7%

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
SBI Small Cap Fund - Regular Plan - Growth	SBI	₹168.3911	3 Jun 2026
Invesco India Smallcap Fund - Regular Plan - Growth	Invesco	₹42.9700	3 Jun 2026
BANDHAN SMALL CAP FUND - REGULAR PLAN GROWTH	Bandhan	₹47.7120	3 Jun 2026
QUANTUM SMALL CAP FUND - REGULAR PLAN GROWTH OPTION	Quantum	₹12.8000	3 Jun 2026
Motilal Oswal Small Cap Fund - Regular - Growth	Motilal Oswal	₹15.0859	3 Jun 2026
Mirae Asset Small Cap Fund - Regular Plan - Growth	Mirae Asset	₹11.3500	3 Jun 2026
Edelweiss Small Cap Fund - Regular Plan - Growth	Edelweiss	₹43.9560	3 Jun 2026
DSP BlackRock Micro Cap Fund - Regular - Growth	DSP BlackRock	₹207.4660	3 Jun 2026
HSBC Small Cap Fund - Regular Growth	HSBC	₹81.8992	3 Jun 2026
Baroda BNP Paribas Small Cap Fund - Regular Plan - Growth option	Baroda BNP Paribas	₹13.1378	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹53.1600
2 Jun 2026	₹53.1600
1 Jun 2026	₹52.9500
29 May 2026	₹54.0300
27 May 2026	₹54.4200
26 May 2026	₹54.3400
25 May 2026	₹54.2200
22 May 2026	₹53.6200
21 May 2026	₹53.7700
20 May 2026	₹53.2100

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 03 Jun 2026, the NAV of Union Small Cap Fund - Regular Plan - Growth Option is ₹53.1600. It's a Small Cap Fund from Union, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Union Small Cap Fund - Regular Plan - Growth Option has NAV history starting from 17 Jun 2014, a track record of about 11 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 Small Cap Fund - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 14.13% — +9.18 pp ahead of the Small Cap Fund category average of 4.95%. The fund ranks #2 of 23 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Union Small Cap Fund - Regular Plan - Growth Option has delivered a CAGR of 18.94% — +1.14 pp ahead of the Small Cap Fund category average of 17.81%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Small Cap Fund - Regular Plan - Growth Option has delivered a CAGR of 17.33% — +0.92 pp ahead of the Small Cap Fund category average of 16.41%. The fund ranks #5 of 13 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Small Cap Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹443,740 today — a multiplier of 4.44×, based on the 10-year CAGR of 16.07%. The category average over the same window would have grown ₹1 lakh to ₹484,774.

A ₹10,000 monthly SIP in Union Small Cap Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹879,031 today. That's an XIRR (money-weighted annualised return) of 15.25%.

A ₹10,000 monthly SIP for 10 years in Union Small Cap Fund - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹3,106,024 (multiplier 2.59×). XIRR: 18.08%. 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 - Regular Plan - Growth Option ranks #5 out of 13 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 16.41%; this fund delivered 17.33%.

The worst peak-to-trough decline Union Small Cap Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 26.43% — 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 - Regular Plan - Growth Option averaged 16.57% (best 31.90%, worst -3.72%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.63 — reasonable risk-adjusted performance.

In calendar year 2025, Union Small Cap Fund - Regular Plan - Growth Option returned -5.74% — lagging the Small Cap Fund category average of -5.58% by 0.16 pp. It ranked #12 of 21 in its category that year.

Union Small Cap Fund - Regular 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 - Regular 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: 26.4%. 5-year CAGR: 17.33%.

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