Union Multi Asset Allocation Fund - Direct Plan - Growth

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 : Multi Asset Allocation

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

: ₹ 11.77 0%
(as on 28th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 808.16 Cr

(0.5% of Investment in Category)

Expense Ratio

: 0.97%

(0.53% Category average)

Risk-O-Meter

Very High Risk

Multi Asset Allocation :Multi Asset Allocation : The fund has 68.55% investment in domestic equities of which 34.68% is in Large Cap stocks, 9.06% is in Mid Cap stocks, 7.36% in Small Cap stocks.The fund has 8.33% investment in Debt, of which 0.83% in Government securities, 7.5% is in Low Risk securities.

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This Scheme

VS

65% NIFTY 50 TRI + 20% NIFTY Composite Debt Index + 15% Domestic prices of Gold

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NA
1.94%

8.14%

10%

15.37%

19.37%

19.09%

14.22%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 28th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	21-Nov-25	10120.40	1.20%	-	0.99%	8/31
1 Month	28-Oct-25	10172.90	1.73%	-	1.94%	19/31
3 Month	28-Aug-25	10969.20	9.69%	-	8.14%	6/30
6 Month	28-May-25	11135.30	11.35%	-	10.00%	8/27
YTD	01-Jan-25	11665.00	16.65%	-	15.68%	11/26
1 Year	28-Nov-24	11864.90	18.65%	18.65%	15.37%	6/24
Since Inception	13-Sep-24	11688.20	16.88%	13.78%	14.22%	13/24

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 28th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	28-Nov-24	12000	13594.79	13.29 %	25.39 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Oct,2025)

Portfolio Turnover Ratio : 125.00% | Category average turnover ratio is 291.65%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 68.55% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 68.55%

No of Stocks : 67 (Category Avg - 68.00) | Large Cap Investments : 34.68%| Mid Cap Investments : 9.06% | Small Cap Investments : 7.36% | Other : 17.45%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	489	6.05%	0.75%	6.05% (Oct 2025)	3.7% (Jan 2025)	4.95 L	61.60 k
ICICI Bank Ltd.	Private sector bank	340.4	4.21%	0.27%	4.36% (Jul 2025)	3.26% (Nov 2024)	2.53 L	25.90 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	285.2	3.53%	0.18%	3.58% (Mar 2025)	2.39% (Aug 2025)	1.39 L	0.00
Reliance Industries Ltd.	Refineries & marketing	280.3	3.47%	0.16%	3.55% (Jun 2025)	2.47% (Mar 2025)	1.89 L	0.00
State Bank Of India	Public sector bank	270.4	3.35%	0.11%	3.35% (Oct 2025)	1.37% (Dec 2024)	2.89 L	0.00
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	212.9	2.63%	0.66%	2.63% (Oct 2025)	0.41% (Nov 2024)	13.15 k	3.60 k
Infosys Ltd.	Computers - software & consulting	177	2.19%	-0.02%	2.85% (Jan 2025)	2.19% (Oct 2025)	1.19 L	0.00
ITC Limited	Diversified fmcg	146.7	1.82%	0.02%	2.54% (Dec 2024)	1.8% (Sep 2025)	3.49 L	0.00
TVS Motor Company Ltd.	2/3 wheelers	138.6	1.71%	-0.04%	1.75% (Sep 2025)	0.58% (Dec 2024)	39.50 k	0.00
Axis Bank Ltd.	Private sector bank	138.2	1.71%	0.08%	2.33% (Nov 2024)	1.53% (Aug 2025)	1.12 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 6 (Category Avg - 17.77) | Modified Duration 3.16 Years (Category Avg - 2.55)| Yield to Maturity 6.28% (Category Avg - 6.49%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	7.12%
CD	0.00%	0.81%
T-Bills	0.83%	0.72%
CP	0.00%	0.48%
NCD & Bonds	7.50%	8.20%
PTC	0.00%	0.09%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.83%	7.84%
Low Risk	7.50%	9.40%
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 (%)
MF Units	MF Units	9.55%
TREPS	TREPS	6.35%
MF Units	MF Units	4.74%
MF Units	MF Units	1.79%
Net Receivables	Net Receivables	0.69%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Mahindra Manulife Multi Asset Allocation Fund - Direct Plan - Growth	NA	764.15	1.85	10.49	13.21	20.48	0.00
DSP Multi Asset Allocation Fund - Direct Plan - Growth	NA	4985.07	1.73	10.24	12.66	19.95	0.00
Sundaram Multi Asset Allocation Fund - Direct Plan - Growth	NA	2925.07	2.54	9.66	10.76	19.75	0.00
Nippon India Multi Asset Allocation Fund - Direct Plan - Growth	NA	8722.27	1.62	8.59	11.93	18.73	21.44
WhiteOak Capital Multi Asset Allocation Fund - Direct Plan - Growth	NA	4530.34	1.50	6.41	9.21	18.73	0.00
Aditya Birla Sun Life Multi Asset Allocation Fund - Direct Plan - Growth	NA	4973.93	2.71	8.41	11.06	17.40	0.00
Mirae Asset Multi Asset Allocation Fund - Direct Plan - Growth	NA	2514.99	2.21	7.97	9.71	17.33	0.00
ICICI Prudential Multi-Asset Fund - Direct Plan - Growth	4	71900.48	1.47	7.16	8.98	17.25	20.15
SBI Multi Asset Allocation Fund - Direct Plan - Growth	NA	11306.23	2.29	8.74	10.76	16.85	18.56
Bandhan Multi Asset Allocation Fund - Direct Plan - Growth	NA	2396.69	1.82	7.52	11.20	16.67	0.00

Detailed Comparison

More Funds from Union Mutual Fund

Out of 32 mutual fund schemes offered by this AMC, 1 is/are ranked 4 * , 8 is/are ranked 3 * , 6 is/are ranked 2 * , and 17 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Union Liquid Fund - Direct Plan - Growth	4	6375.82	0.50	1.48	3.00	6.72	7.10
Union Flexi Cap Fund - Direct Plan - Growth	3	2414.49	-0.80	4.63	4.96	5.98	15.96
Union Flexi Cap Fund - Direct Plan - Growth	3	2414.49	-0.80	4.63	4.96	5.98	15.96
Union Small Cap Fund - Direct Plan - Growth	2	1790.18	-1.36	3.99	8.99	-0.41	19.52
Union Midcap Fund - Direct Plan - Growth	3	1620.01	-0.09	4.50	7.64	7.95	21.22
Union Balanced Advantage Fund - Direct Plan - Growth	NA	1373.97	0.22	4.26	5.04	8.07	11.72
Union Multicap Fund - Direct Plan - Growth	NA	1335.77	-0.18	6.23	7.97	6.36	0.00
Union Innovation & Opportunities Fund - Direct Plan - Growth	NA	1130.77	-3.05	3.40	9.30	1.98	0.00
Union Large and Mid Cap Fund - Direct Plan - Growth	3	945.26	-0.46	4.09	6.60	6.64	16.75
Union ELSS Tax Saver Fund - Direct Plan - Growth	3	921.54	-0.14	4.82	6.71	6.21	15.94