Can I invest in SIP and Lumpsum in Union Business Cycle Fund - Regular (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in Union Business Cycle Fund - Regular (IDCW). Minimum lumpsum investment Union Business Cycle Fund - Regular (IDCW) is ₹1,000 and minimum SIP amount is ₹100 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Union Business Cycle Fund - Regular (IDCW) Direct Growth?

The latest NAV ( Net Asset Value ) of Union Business Cycle Fund - Regular (IDCW) is Union Business Cycle Fund - Regular (IDCW) is ₹11.21 as on 2025-07-10.

Which are the biggest stock holdings of Union Business Cycle Fund - Regular (IDCW)?

The 5 biggest stock holdings of Union Business Cycle Fund - Regular (IDCW) are: HDFC Bank (8.07%), ICICI Bank (6.70%), Bharti Airtel (5.47%), Infosys (3.81%), Reliance Industr (3.56%)

What are the top sectors Union Business Cycle Fund - Regular (IDCW) invests in?

A majority of Union Business Cycle Fund - Regular (IDCW) 's AUM worth ₹591.18 (Cr) is invested in these 3 top sectors: Banks : 20.67% Finance : 8.01% Telecom-Services : 5.58%

Mutual Funds
AMC
Union Business Cycle Fund - Regular (IDCW)

Union Business Cycle Fund - Regular (IDCW)

Sectoral / Thematic

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NAV
11.21(-0.53%)
Fund Size (CR)
₹574.07
Expense Ratio
2.35
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
9.29%

Absolute Return: 12.21%

Annualized Return: 0%

Basic Details

Scheme Manager

Harshad Patwardhan

Bench Mark

Nifty 500 TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	2 July 2025	10000.00	0%	-	0.34%	673/880
1 Month	9 June 2025	10116.70	1.17%	-	1.42%	525/876
3 Month	9 April 2025	11464.90	14.65%	-	16.39%	550/860
6 Month	9 January 2025	10377.53	3.78%	-	4.53%	435/820
1 Year	9 July 2024	9757.58	-2.42%	-2.42%	3.44%	523/705
3 Year	-	-	0%	-	23.29%	-/-
5 Year	-	-	0%	-	24.70%	-/-
Since Inception	5 March 2024	11270.00	12.70%	9.29%	14.74%	689/878

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 August 2024	1,20,000	123029.79	2.52%	2.52%
3 Year	-	-	-	-	-
5 Year	-	-	-	-	-
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%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

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

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

4.48%

Standard Deviation

0.96%

Beta

0.26%

Sharpe Ratio

-0.02%

Treynor's Ratio

-3.98%

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	8.07%	238246	46.34	Equity	Banks
ICICI Bank	6.70%	266100	38.47	Equity	Banks
Bharti Airtel	5.47%	169099	31.39	Equity	Telecomm-Service
Infosys	3.81%	139798	21.85	Equity	IT - Software
Reliance Industr	3.56%	143972	20.46	Equity	Refineries
Solar Industries	3.16%	11256	18.13	Equity	Aerospace & Defence
Bharat Electron	2.79%	416198	16.01	Equity	Aerospace & Defence
Larsen & Toubro	2.74%	42731	15.70	Equity	Infrastructure Developers & Operators
St Bk of India	2.59%	183307	14.89	Equity	Banks
UltraTech Cem.	2.53%	12964	14.53	Equity	Cement

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Aditya Birla SL International Equity Fund - Direct (IDCW)	206.77	2.46%	19.27%	19.48%	26.79%	14.76%
Aditya Birla SL International Equity Fund - Direct (G)	206.77	2.46%	19.27%	19.48%	26.79%	14.76%
HDFC Pharma and Healthcare Fund - Direct (G)	1704.87	4.21%	14.23%	2.32%	26.68%	-
HDFC Pharma and Healthcare Fund - Direct (IDCW)	1704.87	4.21%	14.23%	2.32%	26.68%	-
WhiteOak Capital Pharma and Healthcare Fund-Dir (G)	331.66	3.44%	13.79%	0.79%	26.44%	-

List of Schemes under Union Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Union Large & Midcap Fund	Equity	Very High	3.36%	2	₹905.87
Union Midcap Fund	Equity	Very High	4.36%	2	₹1,519.88
Union Small Cap Fund	Equity	Very High	2.98%	2	₹1,671.86
Union Aggressive Hybrid Fund	Hybrid	Very High	6.64%	2	₹669.76
Union Gold ETF Fund of Fund	Other	High	0%	0	₹66.78
Union Liquid Fund	Debt	Moderately Low	7.25%	4	₹3,359.47
Union Income Plus Arbitrage Active FOF	Other	Moderate	0%	0	₹184.70
Union Low Duration Fund	Debt	Moderately Low	0%	0	₹0.00
Union Corporate Bond Fund	Debt	Moderate	9.92%	2	₹426.27
Union Money Market Fund	Debt	Moderately Low	7.91%	1	₹182.37
Union Largecap Fund	Equity	Very High	1.4%	2	₹465.30
Union Retirement Fund	Solution Oriented	Very High	4.38%	0	₹177.36
Union Value Fund	Equity	Very High	4.92%	2	₹333.24
Union Flexi Cap Fund	Equity	Very High	4.8%	3	₹2,401.11
Union Children's Fund	Solution Oriented	Very High	7.52%	0	₹72.46
Union ELSS Tax Saver Fund	Equity	Very High	4.56%	3	₹927.40
Union Focused Fund	Equity	Very High	2.57%	2	₹426.93
Union Overnight Fund	Debt	Low	6.36%	3	₹103.86
Union Multicap Fund	Equity	Very High	4.27%	0	₹1,173.54
Union Multi Asset Allocation Fund	Hybrid	Very High	0%	0	₹798.02
Union Innovation & Opportunities Fund	Equity	Very High	6.31%	0	₹998.13
Union Balanced Advantage Fund	Hybrid	High	4.97%	3	₹1,395.31
Union Business Cycle Fund	Equity	Very High	-0.95%	0	₹591.18
Union Active Momentum Fund	Equity	Very High	0%	0	₹476.48
Union Short Duration Fund	Debt	Moderate	0%	0	₹579.25
Union Arbitrage Fund	Hybrid	Low	7.34%	2	₹334.66
Union Dynamic Bond Fund	Debt	Moderate	8.23%	1	₹107.75
Union FMP - Series 13	Debt	Moderately Low	7.88%	0	₹26.17
Union Gilt Fund	Debt	Moderate	7.67%	2	₹141.40
Union Equity Savings Fund	Hybrid	Moderate	4.9%	1	₹139.17

News

Union Mutual Fund announces change in fund manager under its schemes

Union Mutual Fund has announced change in fund manager under the following schemes, With effect from 01 July 2025

Change in Fund Manager:

Name of the Scheme(s)	Names of the existing Fund Manager(s)	Names of the new Fund Manager(s)
Union Largecap Fund	Mr. Vinod Malviya and Mr. Sanjay Bembalkar	Mr. Pratik Dharmshi and Mr. Sanjay Bembalkar
Union Retirement Fund	Mr. Pratik Dharmshi and Mr. Vinod Malviya	Mr. Pratik Dharmshi and Mr. Pratit Vajani

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Union Low Duration Fund announces Extension of NFO period
Union Mutual Fund has announced that New Fund Offer (NFO) Period of the Scheme has been modified as follows:

Name of the Scheme Existing closing date of NFO Revised closing date of NFO

Union Low Duration Fund July 03, 2025 July 10, 2025

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Name of the Scheme	Existing closing date of NFO	Revised closing date of NFO
Union Low Duration Fund	July 03, 2025	July 10, 2025

Union Mutual Fund announces change in Exit Load Structure

Union Mutual Fund has announced change in exit load structure under following scheme stands revised with effect from 26 May 2025

Change in Exit Load:

Name of the Scheme	Existing Exit Load	Revised Exit Load
Union Corporate Bond Fund :	1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter	Nil
Union Dynamic Bond Fund :	1 % if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter.	Nil
Union Short Duration Fund :	' 1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment of units. ' Nil if redeemed or switched out after completion of 15 days from the date of allotment of units.	Nil

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Fund House Details & Investment Objective

Date of Incorporation

13 February 2024

Total AUM (Cr)

₹591.18

Union Business Cycle Fund - Regular (IDCW) is an Sectoral / Thematic-oriented fund from the renowned AMC, Union Mutual Fund. Launched in 13 February 2024, this fund is managed by Harshad Patwardhan. With assets under management (AUM) worth ₹591.18 (Cr), as of 10 July 2025, Union Business Cycle Fund - Regular (IDCW) is categorized as a Sectoral / Thematic within its segment. The fund has generated a return of 9.29% since its launch.
The current NAV of Union Business Cycle Fund - Regular (IDCW) is ₹11.21, as on 10 July 2025. The fund's benchmark index is Nifty 500 TRI. You can invest in Union Business Cycle Fund - Regular (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/switched out on or before completion of 1 year from the date of allotment. Nil if redeemed or Switched out after completion of 1 year from the date of allotment of units. The fund has generated undefined% and undefined% 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 97.14% in Equity, 2.98% in Debt and -0.12% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 20.67% in Banks, 8.01% in Finance, 5.58% in Telecom-Services, 5.15% in Pharmaceuticals & Biotech, 4.87% in Consumer Durables

FAQs

How to Invest in Union Business Cycle Fund - Regular (IDCW) Direct Growth?

Union Business Cycle Fund - Regular (IDCW) is a popular fund in the Sectoral / Thematic segment. The fund has generated a return of 9.29% since inception. Looking to invest in Union Business Cycle Fund - Regular (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in Union Business Cycle Fund - Regular (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Union Business Cycle Fund - Regular (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Union Business Cycle Fund - Regular (IDCW) today and reap the benefits of this Sectoral / Thematic fund!

How much returns has Union Business Cycle Fund - Regular (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, Union Business Cycle Fund - Regular (IDCW) has generated annualised return of -2.42%. In the long-term, the fund has generated undefined% and - in 3 and 5 years respectively. Since its inception, the fund has generated 9.29% returns.

What is the expense ratio of Union Business Cycle Fund - Regular (IDCW) Direct Growth?

The expense ratio of Union Business Cycle Fund - Regular (IDCW) Direct Growth is 2.35%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Union Business Cycle Fund - Regular (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of Union Business Cycle Fund - Regular (IDCW) is ₹591.18 (Cr) as of 2025-07-10 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Union Business Cycle Fund - Regular (IDCW) Direct Growth?

Redeeming or selling units of Union Business Cycle Fund - Regular (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Union Business Cycle Fund - Regular (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Union Business Cycle Fund - Regular (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).