Mutual Funds
AMC
Union Balanced Advantage Fund (IDCW)

Union Balanced Advantage Fund (IDCW)

Dynamic Asset Allocation or Balanced Advantage

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NAV
20.35(-0.15%)
Fund Size (CR)
₹1,373.97
Expense Ratio
2.15
Scheme Type
Active Fund
Value Research

Min. investment
₹1,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
1%
Return Since Launch
9.69%

Absolute Return: 1.24%

Annualized Return: 0%

Basic Details

Scheme Manager

Parijat Agrawal

Bench Mark

Nifty 50 Hybrid Composite Debt 50:50 Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	4 November 2025	10034.47	0.34%	-	0.33%	73/147
1 Month	10 October 2025	10118.05	1.18%	-	1.36%	96/147
3 Month	12 August 2025	10351.85	3.52%	-	3.71%	95/147
6 Month	12 May 2025	10472.16	4.72%	-	4.82%	70/147
1 Year	12 November 2024	10704.75	7.05%	7.05%	6.34%	67/145
3 Year	11 November 2022	13492.45	34.92%	10.48%	12.56%	99/115
5 Year	12 November 2020	15917.36	59.17%	9.74%	12.52%	77/87
Since Inception	29 December 2017	20724.40	107.24%	9.69%	10.89%	100/147

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	2 December 2024	1,20,000	126297.78	5.25%	5.25%
3 Year	1 December 2022	3,60,000	415450.30	15.40%	4.89%
5 Year	1 December 2020	6,00,000	757108.23	26.18%	4.76%
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

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Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

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Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.89%

Standard Deviation

0.53%

Beta

0.65%

Sharpe Ratio

-0.03%

Treynor's Ratio

1.01%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	5.46%	759584	74.99	Equity	Banks
Reliance Industr	3.90%	360580	53.60	Equity	Refineries
Bharti Airtel	3.50%	234302	48.14	Equity	Telecom-Service
ICICI Bank	3.35%	342000	46.01	Equity	Banks
Larsen & Toubro	2.21%	75200	30.31	Equity	Infrastructure Developers & Operators
Eternal Ltd	2.19%	946850	30.09	Equity	E-Commerce/App based Aggregator
SBI	2.01%	294508	27.60	Equity	Banks
Kotak Mah. Bank	1.82%	119200	25.06	Equity	Banks
Infosys	1.75%	162044	24.02	Equity	IT - Software
M & M	1.72%	67699	23.61	Equity	Automobile

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Pru Balanced Advantage Fund - Dir (IDCW)	68449.94	1.26%	4.75%	6.20%	11.40%	14.01%
ICICI Pru Balanced Advantage Fund - Dir (IDCW-M)	68449.94	1.26%	4.75%	6.20%	11.40%	14.13%
ICICI Pru Balanced Advantage Fund - Dir (G)	68449.94	1.26%	4.74%	6.21%	11.39%	14.01%
WhiteOak Capital Balanced Advantage Fund - Dir (G)	2015.14	1.76%	4.14%	5.67%	10.77%	-
Baroda BNP Paribas Balanced Advantage Fund-Dir (G)	4544.91	2.53%	5.55%	7.98%	10.27%	15.51%

List of Schemes under Union Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Union Small Cap Fund	Equity	Very High	0%	2	₹1,671.86
Union Flexi Cap Fund	Equity	Very High	0.47%	3	₹2,401.11
Union Retirement Fund	Solution Oriented	Very High	0.57%	0	₹177.36
Union Children's Fund	Solution Oriented	Very High	3.37%	0	₹72.46
Union Arbitrage Fund	Hybrid	Low	7.33%	2	₹334.66
Union Value Fund	Equity	Very High	-0.3%	2	₹333.24
Union Largecap Fund	Equity	Very High	-2.04%	2	₹465.30
Union Large & Midcap Fund	Equity	Very High	0.19%	2	₹905.87
Union Focused Fund	Equity	Very High	1.1%	2	₹426.93
Union ELSS Tax Saver Fund	Equity	Very High	0.04%	3	₹927.40
Union Balanced Advantage Fund	Hybrid	High	2.32%	3	₹1,395.31
Union Overnight Fund	Debt	Low	6.28%	4	₹362.16
Union Aggressive Hybrid Fund	Hybrid	Very High	3.01%	2	₹669.76
Union Corporate Bond Fund	Debt	Moderate	9.57%	2	₹442.88
Union Midcap Fund	Equity	Very High	0.36%	3	₹1,519.88
Union Low Duration Fund	Debt	Moderately Low	0%	0	₹0.00
Union Money Market Fund	Debt	Moderately Low	7.82%	1	₹207.45
Union Gold ETF Fund of Fund	Other	High	0%	0	₹66.78
Union Liquid Fund	Debt	Moderately Low	7.15%	4	₹4,514.61
Union Income Plus Arbitrage Active FOF	Other	Moderate	0%	0	₹184.70
Union Business Cycle Fund	Equity	Very High	-4.13%	0	₹591.18
Union Active Momentum Fund	Equity	Very High	0%	0	₹476.48
Union Innovation & Opportunities Fund	Equity	Very High	5.85%	0	₹998.13
Union Short Duration Fund	Debt	Moderate	0%	0	₹715.40
Union Multicap Fund	Equity	Very High	0.12%	0	₹1,173.54
Union Multi Asset Allocation Fund	Hybrid	Very High	0%	0	₹798.02
Union Dynamic Bond Fund	Debt	Moderate	7.72%	1	₹107.43
Union FMP - Series 13	Debt	Moderately Low	7.61%	0	₹26.23
Union Gilt Fund	Debt	Moderate	7.28%	2	₹133.17
Union Equity Savings Fund	Hybrid	Moderate	3.5%	1	₹139.17

News

Union Mutual Fund announces Income Distribution cum capital withdrawal (IDCW)
Union Mutual Fund has announced 28 October 2025 as the record date for declaration of IDCW Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The quantum of dividend (Rs per unit) on the face value of Rs 10 per unit will be:
Union Balanced Advantage Fund ' Regular Plan ' IDCW Option: 0.17
Union Balanced Advantage Fund ' Direct Plan ' IDCW Option: 0.17
Union Aggressive Hybrid Fund ' Regular Plan ' IDCW Option: 0.15
Union Aggressive Hybrid Fund ' Direct Plan ' IDCW Option: 0.15
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Union Mutual Fund announces change in Key Personnel
Union Mutual Fund has announced Mr. Jitark Shah has been appointed as a 'Research Analyst' of the Union Asset Management Company Private Limited (AMC) with effect from October 14, 2025.
Details of Mr. Jitark Shah
Designation: Research Analyst
Qualification: Master of Financial Analysis
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Union Mutual Fund announces change in Key Personnel
Union Mutual Fund has announced the Mr. Ashwani Sindhwani has been appointed as an Independent Director on the Board of the AMC w.e.f. October 01, 2025.
Details of Mr. Ashwani Sindhwani
Age: 64 years
Designation: Independent Director
Qualification: ' M.Sc (Chemistry) from M.D. University in 1981
' Certified Associate of Indian Institute of Bankers by Indian Institute of Bankers (presently Indian Institute of Banking and Finance) in 1993
' Certified Financial Risk Manager (FRM) by The Global Association of Risk Professionals (GARP) in 2003
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Fund House Details & Investment Objective

Date of Incorporation

7 December 2017

Total AUM (Cr)

₹1373.97

Union Balanced Advantage Fund (IDCW) is an Dynamic Asset Allocation or Balanced Advantage-oriented fund from the renowned AMC, Union Mutual Fund. Launched in 7 December 2017, this fund is managed by Parijat Agrawal. With assets under management (AUM) worth ₹1,373.97 (Cr), as of 13 November 2025, Union Balanced Advantage Fund (IDCW) is categorized as a Dynamic Asset Allocation or Balanced Advantage within its segment. The fund has generated a return of 9.69% since its launch.
The current NAV of Union Balanced Advantage Fund (IDCW) is ₹20.35, as on 13 November 2025. The fund's benchmark index is Nifty 50 Hybrid Composite Debt 50:50 Index. You can invest in Union Balanced Advantage Fund (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹1,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter. The fund has generated 10.48% and 9.74% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 70.65% in Equity, 27.15% in Debt and 2.20% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 30.74% in Debt, 13.57% in Banks, 4.89% in IT-Software, 4.79% in Automobiles, 3.99% in Finance