HybridEquity SavingsDirect · Growth
Union Equity Savings Fund - Direct Plan - Growth Option
Union · Scheme 144312
₹18.30▼ 0.05%NAV · 2026-09-18
Average FundScore
AUM
₹115 cr
Expense ratio
2.14%
3Y CAGR
7.7%
Risk level
Moderate
Min SIP
₹500
Benchmark
Nifty Equity Savings Index
Fund manager: Parijat Agrawal, Vinay Paharia, Hardick BoraExit load: Exit load of 1%, if redeemed within 15 days.
Average · 47/100
Middle-of-the-pack — compare it against better-scored peers.
🎯 A middle-ground option — some growth with a cushion, good for moderate risk appetite.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 14%.
- ✓Low volatility (6% a year) — a steady, low-drama ride.
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
- ✓Return stability: rolling-return std 0.9%
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.24) — took on risk without enough payoff.
- •Pricey — 2.14% expense ratio quietly eats into long-term returns.
- •3Y CAGR: +7.7%
- •3Y CAGR vs category: -1.4% vs category avg
FundScore breakdown
47/100 · Average
Returns
Weak
Consistency
Decent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Weak
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.