Union Overnight Fund - Regular Plan - IDCW - Daily

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Overnight Fund

Fund House : Union Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 1001.262 0%
(as on 26th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 412.23 Cr

(0.36% of Investment in Category)

Expense Ratio

: 0.17%

(0.16% Category average)

Risk-O-Meter

Low Risk

Overnight Fund :Overnight Fund : The fund has 3.63% investment in Debt, of which 3.63% in Government securities.

Suitable For : Investors who want to invest for very short term and are looking for alternative to bank accounts/deposits.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

CRISIL Liquid Overnight Index

0.45%

1.36%

2.73%

5.95%

6.35%

5.42%

5.86%
NA
0.44%

1.33%

2.67%

5.84%

6.23%

5.28%

5.3%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 26th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	19-Nov-25	10000.00	-	-	0.10%	27/37
1 Month	26-Oct-25	10012.20	0.12%	-	0.44%	24/37
3 Month	26-Aug-25	10081.20	0.81%	-	1.33%	24/37
6 Month	26-May-25	10185.50	1.85%	-	2.67%	24/36
YTD	01-Jan-25	10389.60	3.90%	-	5.18%	24/36
1 Year	26-Nov-24	10452.30	4.52%	4.52%	5.84%	25/36
2 Year	26-Nov-23	11114.30	11.14%	5.42%	6.23%	22/35
3 Year	26-Nov-22	11702.40	17.02%	5.37%	6.32%	22/32
5 Year	26-Nov-20	12449.70	24.50%	4.48%	5.28%	21/28
Since Inception	27-Mar-19	13109.60	31.10%	4.14%	5.30%	29/37

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 26th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	26-Nov-24	12000	12258.39	2.15 %	3.99 %
2 Year	26-Nov-23	24000	25224.29	5.1 %	4.84 %
3 Year	26-Nov-22	36000	38970.08	8.25 %	5.2 %
5 Year	26-Nov-20	60000	68001.48	13.34 %	4.94 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 31st Oct,2025)

No of Debt Holding 3 (Category Avg - 2.34) | Modified Duration 0.01 Years (Category Avg - 0.01)| Yield to Maturity 5.64% (Category Avg - 5.47%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	0.06%
CD	0.00%	0.01%
T-Bills	3.63%	2.90%
CP	0.00%	0.61%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	3.63%	2.96%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Reverse Repo	Reverse Repo	86.19%
TREPS	TREPS	10.02%
Net Receivables	Net Receivables	0.16%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.03vs0.07

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.99vs0.7

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

17.68vs12.7

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-0.13vs0.05

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Overnight Fund - Regular Plan - Growth	NA	54.06	0.46	1.38	2.77	6.03	6.50
Axis Overnight Fund - Regular Plan - Growth	NA	9963.35	0.45	1.35	2.72	5.95	6.42
Franklin India Overnight Fund - Regular Plan - Growth	NA	615.46	0.45	1.35	2.72	5.91	6.34
Bajaj Finserv Overnight Fund - Regular Plan - Growth	NA	610.24	0.45	1.35	2.71	5.91	0.00
UTI Overnight Fund - Growth	NA	5069.38	0.45	1.34	2.70	5.90	6.38
Nippon India Overnight Fund - Regular Plan - Growth	NA	9364.94	0.45	1.34	2.69	5.90	6.36
Invesco India Overnight Fund - Regular Plan - Growth	NA	331.39	0.44	1.34	2.70	5.88	6.37
Baroda BNP Paribas Overnight Fund - Regular Plan - Growth	NA	843.29	0.45	1.34	2.69	5.88	6.36
Mirae Asset Overnight Fund - Regular Plan - Growth	NA	1570.29	0.45	1.35	2.70	5.88	6.36
Kotak Overnight Fund - Regular Plan - Growth	NA	8499.22	0.44	1.34	2.69	5.88	6.34