Union Balanced Advantage Fund - Direct (IDCW)

Dynamic Asset Allocation or Balanced Advantage

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NAV
21.71(-0.14%)
Fund Size (CR)
₹1,301.37
Expense Ratio
1.04
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%
Return Since Launch
10.56%

Absolute Return: -1.54%

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 February 2026	10102.25	1.02%	-	0.80%	25/147
1 Month	9 January 2026	10192.99	1.93%	-	0.91%	5/147
3 Month	11 November 2025	10122.88	1.23%	-	0.48%	47/147
6 Month	11 August 2025	10450.90	4.51%	-	3.73%	65/147
1 Year	11 February 2025	11190.74	11.91%	11.91%	9.89%	39/145
3 Year	10 February 2023	14031.84	40.32%	11.93%	12.80%	77/117
5 Year	11 February 2021	15741.85	57.42%	9.49%	10.48%	64/91
Since Inception	29 December 2017	22605.30	126.05%	10.56%	10.39%	67/147

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 March 2025	1,20,000	126889.72	5.74%	5.74%
3 Year	1 March 2023	3,60,000	416014.80	15.56%	4.94%
5 Year	1 March 2021	6,00,000	770729.74	28.45%	5.14%
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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Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

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

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.91%

Standard Deviation

0.57%

Beta

0.85%

Sharpe Ratio

0.03%

Treynor's Ratio

2.12%

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	5.42%	759584	70.58	Equity	Banks
Reliance Industr	3.87%	360580	50.32	Equity	Refineries
ICICI Bank	3.56%	342000	46.34	Equity	Banks
Bharti Airtel	3.54%	234302	46.13	Equity	Telecom-Service
SBI	2.44%	294508	31.72	Equity	Banks
Larsen & Toubro	2.27%	75200	29.57	Equity	Infrastructure Developers & Operators
Infosys	2.23%	176714	29.00	Equity	IT - Software
Kotak Mah. Bank	1.87%	596000	24.32	Equity	Banks
Federal Bank	1.69%	765000	22.01	Equity	Banks
TVS Motor Co.	1.67%	59256	21.79	Equity	Automobile

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Union Balanced Advantage Fund - Direct (IDCW)	1301.37	1.93%	1.23%	4.51%	11.91%	11.93%
Baroda BNP Paribas Balanced Advantage Fund-Dir (G)	4672.21	2.50%	1.48%	6.57%	15.82%	15.84%
Baroda BNP Paribas Balanced Advantage Fund-Dir (IDCW)	4672.21	2.49%	1.48%	6.57%	15.82%	15.84%
ICICI Pru Balanced Advantage Fund - Dir (IDCW-M)	70343.40	1.32%	2.51%	7.01%	14.91%	14.80%
ICICI Pru Balanced Advantage Fund - Dir (G)	70343.40	1.31%	2.50%	7.02%	14.89%	14.67%
ICICI Pru Balanced Advantage Fund - Dir (IDCW)	70343.40	1.29%	2.52%	7.02%	14.89%	14.67%

List of Schemes under Union Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Union Multicap Fund	Equity	Very High	16.34%	0	₹1,289.64
Union Largecap Fund	Equity	Very High	12.79%	3	₹457.60
Union Large & Midcap Fund	Equity	Very High	16.78%	2	₹913.94
Union Midcap Fund	Equity	Very High	20.8%	3	₹1,598.18
Union Small Cap Fund	Equity	Very High	17.86%	2	₹1,697.19
Union Value Fund	Equity	Very High	17.76%	2	₹367.23
Union Focused Fund	Equity	Very High	12.82%	2	₹408.60
Union Innovation & Opportunities Fund	Equity	Very High	12.63%	0	₹1,048.95
Union Business Cycle Fund	Equity	Very High	14.84%	0	₹519.33
Union Active Momentum Fund	Equity	Very High	6.07%	0	₹436.13
Union Consumption Fund	Equity	Very High	0%	0	₹321.74
Union ELSS Tax Saver Fund	Equity	Very High	14.82%	3	₹869.66
Union Overnight Fund	Debt	Low	5.64%	4	₹393.88
Union Liquid Fund	Debt	Moderately Low	6.47%	3	₹7,388.78
Union Low Duration Fund	Debt	Moderately Low	0%	0	₹1,077.66
Union Money Market Fund	Debt	Moderately Low	7.08%	1	₹155.33
Union Short Duration Fund	Debt	Moderate	7.14%	0	₹192.64
Union Dynamic Bond Fund	Debt	Moderate	2.56%	1	₹101.77
Union Corporate Bond Fund	Debt	Moderate	7.05%	2	₹596.46
Union Gilt Fund	Debt	Moderate	1.55%	2	₹104.81
Union Aggressive Hybrid Fund	Hybrid	Very High	13.74%	2	₹683.35
Union Balanced Advantage Fund	Hybrid	High	11.88%	3	₹1,301.37
Union Multi Asset Allocation Fund	Hybrid	Very High	29.36%	0	₹908.54
Union Arbitrage Fund	Hybrid	Low	6.53%	2	₹289.52
Union Equity Savings Fund	Hybrid	Moderate	7.86%	1	₹142.72
Union Retirement Fund	Solution Oriented	Very High	17.7%	3	₹190.10
Union Children's Fund	Solution Oriented	Very High	16.21%	0	₹79.70
Union Gold ETF Fund of Fund	Other	High	0%	0	₹163.31
Union Income Plus Arbitrage Active FOF	Other	Moderate	0%	0	₹100.86
Union Diversified Equity All Cap Active FOF	Other	Very High	0%	0	₹189.82
Union Flexi Cap Fund	Equity	Very High	14.31%	3	₹2,320.45

News

Union MF announces change in benchmark under its scheme

Union Mutual Fund has announced change in the benchmark of Union Multi Asset Allocation Fund. with effect from, January 20, 2026

Change in name of Benchmark of Union Multi Asset Allocation Fund

Scheme Name	Existing Benchmark	Revised Benchmark
Union Multi Asset Allocation Fund	65% NIFTY 50 TRI + 20% NIFTY Composite Debt Index + 15% Domestic prices of Gold	65% Nifty 50 TRI + 20% Nifty Composite Debt Index + 10% Domestic Prices of Gold + 5% Domestic Prices of Silver

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Union Mutual Fund announces Income Distribution cum capital withdrawal (IDCW)
Union Mutual Fund has announced 26 November 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 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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Fund House Details & Investment Objective

Date of Incorporation

7 December 2017

Total AUM (Cr)

₹1301.37

Union Balanced Advantage Fund - Direct (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 ₹1,301.37 (Cr), as of 12 February 2026, Union Balanced Advantage Fund - Direct (IDCW) is categorized as a Dynamic Asset Allocation or Balanced Advantage within its segment. The fund has generated a return of 10.56% since its launch.
The current NAV of Union Balanced Advantage Fund - Direct (IDCW) is ₹21.71, as on 12 February 2026. The fund's benchmark index is Nifty 50 Hybrid Composite Debt 50:50 Index. You can invest in Union Balanced Advantage Fund - Direct (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:
The fund has generated 11.93% and 9.49% 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 69.96% in Equity, 27.46% in Debt and 2.58% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 26.66% in Debt, 16.39% in Banks, 4.60% in Automobiles, 4.32% in Finance, 4.28% in IT-Software