Union Equity Savings Fund Direct Growth

Fund Overview

Fund Size

₹393 Cr

Expense Ratio

1.43%

ISIN

INF582M01EC1

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

06 Aug 2018

About this fund

Union Equity Savings Fund Direct Growth is a Equity Savings mutual fund schemes offered by Union Mutual Fund. This fund has been in existence for 6 years, 7 months and 22 days, having been launched on 06-Aug-18.
As of 27-Mar-25, it has a Net Asset Value (NAV) of ₹16.89, Assets Under Management (AUM) of 393.07 Crores, and an expense ratio of 1.43%.

Union Equity Savings Fund Direct Growth has given a CAGR return of 8.21% since inception.
The fund's asset allocation comprises around -10.08% in equities, 7.71% in debts, and 102.36% in cash & cash equivalents.
You can start investing in Union Equity Savings Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+6.16%

+6.29% (Cat Avg.)

3 Years

+7.94%

+8.51% (Cat Avg.)

5 Years

+10.88%

+12.34% (Cat Avg.)

Since Inception

+8.21%

— (Cat Avg.)

Portfolio Summaryas of 28th February 2025

Equity	₹-39.61 Cr	-10.08%
Debt	₹30.32 Cr	7.71%
Others	₹402.36 Cr	102.36%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Cash Offset For Derivatives	Cash - General Offset	₹102.32 Cr	78.00%
Derivatives Total	Equity - Future	₹-51.16 Cr	39.00%
Treps	Cash - Repurchase Agreement	₹14.95 Cr	11.40%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹4.99 Cr	3.80%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹4.98 Cr	3.80%
182 DTB 10042025	Bond - Gov't/Treasury	₹4.97 Cr	3.78%
91 DTB 17042025	Bond - Gov't/Treasury	₹4.96 Cr	3.78%
182 DTB 08052025	Bond - Gov't/Treasury	₹4.94 Cr	3.77%
Reliance Industries Ltd	Equity	₹4.34 Cr	3.31%
HDFC Bank Ltd	Equity	₹4.22 Cr	3.22%
Indus Towers Ltd. 27-Mar-25	Equity - Future	₹-3.76 Cr	2.87%
Indus Towers Ltd Ordinary Shares	Equity	₹3.74 Cr	2.85%
Bharti Airtel Ltd	Equity	₹3.68 Cr	2.80%
InterGlobe Aviation Ltd	Equity	₹3.23 Cr	2.46%
Kotak Mahindra Bank Ltd	Equity	₹3.04 Cr	2.32%
Future on Bharat Petroleum Corp Ltd	Equity - Future	₹-3.01 Cr	2.29%
Bharat Petroleum Corp Ltd	Equity	₹2.99 Cr	2.28%
Axis Bank Ltd	Equity	₹2.77 Cr	2.11%
Future on IndusInd Bank Ltd	Equity - Future	₹-2.74 Cr	2.08%
IndusInd Bank Ltd	Equity	₹2.72 Cr	2.08%
Tata Consultancy Services Ltd	Equity	₹2.59 Cr	1.97%
HCL Technologies Ltd	Equity	₹2.53 Cr	1.93%
ICICI Bank Ltd	Equity	₹2.5 Cr	1.91%
Future on Reliance Industries Ltd	Equity - Future	₹-2.47 Cr	1.89%
Future on Kotak Mahindra Bank Ltd	Equity - Future	₹-2.45 Cr	1.87%
Infosys Ltd	Equity	₹2.34 Cr	1.78%
Future on Axis Bank Ltd	Equity - Future	₹-2.17 Cr	1.65%
Future on InterGlobe Aviation Ltd	Equity - Future	₹-2.15 Cr	1.64%
Net Receivable / Payable	Cash - Collateral	₹2.15 Cr	1.64%
Zomato Ltd	Equity	₹2 Cr	1.52%
Future on Bharti Airtel Ltd	Equity - Future	₹-1.95 Cr	1.49%
Future on Tata Consultancy Services Ltd	Equity - Future	₹-1.9 Cr	1.45%
Larsen & Toubro Ltd	Equity	₹1.87 Cr	1.43%
Future on Titan Co Ltd	Equity - Future	₹-1.84 Cr	1.40%
Titan Co Ltd	Equity	₹1.83 Cr	1.40%
Future on HCL Technologies Ltd	Equity - Future	₹-1.83 Cr	1.39%
Future on Grasim Industries Ltd	Equity - Future	₹-1.8 Cr	1.37%
The Indian Hotels Company Ltd. 27-Mar-25	Equity - Future	₹-1.79 Cr	1.37%
Indian Hotels Co Ltd	Equity	₹1.79 Cr	1.36%
Grasim Industries Ltd	Equity	₹1.79 Cr	1.36%
Hindustan Unilever Ltd	Equity	₹1.76 Cr	1.34%
Future on Tata Power Co Ltd	Equity - Future	₹-1.61 Cr	1.23%
Future on Zomato Ltd	Equity - Future	₹-1.6 Cr	1.22%
Tata Power Co Ltd	Equity	₹1.6 Cr	1.22%
Future on DLF Ltd	Equity - Future	₹-1.58 Cr	1.20%
DLF Ltd	Equity	₹1.57 Cr	1.20%
Future on SBI Life Insurance Co Ltd	Equity - Future	₹-1.56 Cr	1.19%
SBI Life Insurance Co Ltd	Equity	₹1.56 Cr	1.19%
Mahindra & Mahindra Ltd	Equity	₹1.53 Cr	1.16%
Future on Vedanta Ltd	Equity - Future	₹-1.46 Cr	1.11%
Vedanta Ltd	Equity	₹1.45 Cr	1.11%
Future on United Spirits Ltd	Equity - Future	₹-1.35 Cr	1.03%
United Spirits Ltd	Equity	₹1.35 Cr	1.03%
Future on HDFC Bank Ltd	Equity - Future	₹-1.34 Cr	1.02%
National Stock Exchange Of India Ltd. 27-Mar-25	Equity Index - Future	₹1.34 Cr	1.02%
Future on Oil & Natural Gas Corp Ltd	Equity - Future	₹-1.22 Cr	0.93%
Oil & Natural Gas Corp Ltd	Equity	₹1.21 Cr	0.93%
Eicher Motors Ltd	Equity	₹1.21 Cr	0.92%
ITC Ltd	Equity	₹1.2 Cr	0.92%
Future on Mahindra & Mahindra Ltd	Equity - Future	₹-1.18 Cr	0.90%
Future on Adani Enterprises Ltd	Equity - Future	₹-1.07 Cr	0.82%
Adani Enterprises Ltd	Equity	₹1.07 Cr	0.81%
Hindalco Industries Ltd	Equity	₹1.02 Cr	0.78%
Future on Coforge Ltd	Equity - Future	₹-1 Cr	0.76%
Coforge Ltd	Equity	₹0.99 Cr	0.76%
Future on Vodafone Idea Ltd	Equity - Future	₹-0.97 Cr	0.74%
Vodafone Idea Ltd	Equity	₹0.97 Cr	0.74%
Future on Infosys Ltd	Equity - Future	₹-0.95 Cr	0.72%
Future on Adani Ports & Special Economic Zone Ltd	Equity - Future	₹-0.94 Cr	0.72%
Adani Ports & Special Economic Zone Ltd	Equity	₹0.94 Cr	0.72%
Future on Hindustan Unilever Ltd	Equity - Future	₹-0.93 Cr	0.71%
Future on Eicher Motors Ltd	Equity - Future	₹-0.92 Cr	0.70%
Sun Pharmaceuticals Industries Ltd	Equity	₹0.9 Cr	0.69%
Future on Bajaj Auto Ltd	Equity - Future	₹-0.89 Cr	0.68%
Bajaj Auto Ltd	Equity	₹0.89 Cr	0.68%
Future on Larsen & Toubro Ltd	Equity - Future	₹-0.86 Cr	0.65%
Future on Hindalco Industries Ltd	Equity - Future	₹-0.8 Cr	0.61%
Lupin Ltd	Equity	₹0.76 Cr	0.58%
Coromandel International Ltd	Equity	₹0.73 Cr	0.55%
State Bank of India	Equity	₹0.72 Cr	0.55%
Awfis Space Solutions Ltd	Equity	₹0.65 Cr	0.50%
Krishna Institute of Medical Sciences Ltd	Equity	₹0.63 Cr	0.48%
Varun Beverages Ltd	Equity	₹0.54 Cr	0.41%
Bharat Electronics Ltd	Equity	₹0.52 Cr	0.39%
Bajaj Finance Ltd	Equity	₹0.51 Cr	0.39%
Gokaldas Exports Ltd	Equity	₹0.5 Cr	0.38%
Shriram Finance Ltd	Equity	₹0.49 Cr	0.38%
Aadhar Housing Finance Ltd	Equity	₹0.49 Cr	0.37%
Dixon Technologies (India) Ltd	Equity	₹0.48 Cr	0.37%
TVS Motor Co Ltd	Equity	₹0.48 Cr	0.37%
Maruti Suzuki India Ltd	Equity	₹0.46 Cr	0.35%
Abbott India Ltd	Equity	₹0.45 Cr	0.34%
Solar Industries India Ltd	Equity	₹0.44 Cr	0.33%
UltraTech Cement Ltd	Equity	₹0.41 Cr	0.31%
JK Cement Ltd	Equity	₹0.4 Cr	0.31%
Future on Syngene International Ltd	Equity - Future	₹-0.39 Cr	0.30%
Syngene International Ltd	Equity	₹0.39 Cr	0.30%
JSW Energy Ltd	Equity	₹0.39 Cr	0.30%
Max Financial Services Ltd	Equity	₹0.37 Cr	0.28%
Quess Corp Ltd	Equity	₹0.37 Cr	0.28%
Blue Star Ltd	Equity	₹0.36 Cr	0.28%
Max Healthcare Institute Ltd Ordinary Shares	Equity	₹0.36 Cr	0.28%
CG Power & Industrial Solutions Ltd	Equity	₹0.36 Cr	0.28%
NTPC Green Energy Ltd	Equity	₹0.36 Cr	0.27%
Pidilite Industries Ltd	Equity	₹0.35 Cr	0.27%
Gabriel India Ltd	Equity	₹0.34 Cr	0.26%
Cipla Ltd	Equity	₹0.34 Cr	0.26%
Trent Ltd	Equity	₹0.33 Cr	0.25%
LTIMindtree Ltd	Equity	₹0.32 Cr	0.24%
Mphasis Ltd	Equity	₹0.32 Cr	0.24%
Crompton Greaves Consumer Electricals Ltd	Equity	₹0.31 Cr	0.24%
Tata Steel Ltd	Equity	₹0.29 Cr	0.22%
Voltas Ltd	Equity	₹0.24 Cr	0.18%
Cummins India Ltd	Equity	₹0.22 Cr	0.17%
Birlasoft Ltd	Equity	₹0.22 Cr	0.17%
Jio Financial Services Ltd	Equity	₹0.22 Cr	0.17%
Alivus Life Sciences Ltd	Equity	₹0.21 Cr	0.16%
Karur Vysya Bank Ltd	Equity	₹0.2 Cr	0.15%
Ethos Ltd	Equity	₹0.2 Cr	0.15%
Techno Electric & Engineering Co Ltd	Equity	₹0.2 Cr	0.15%
Persistent Systems Ltd	Equity	₹0.19 Cr	0.15%
Nippon Life India Asset Management Ltd Ordinary Shares	Equity	₹0.18 Cr	0.14%
Power Grid Corp Of India Ltd	Equity	₹0.17 Cr	0.13%
Suzlon Energy Ltd	Equity	₹0.17 Cr	0.13%
182 DTB 05062025	Bond - Gov't/Treasury	₹0.15 Cr	0.11%
Kirloskar Oil Engines Ltd	Equity	₹0.12 Cr	0.09%
REC Ltd	Equity	₹0.11 Cr	0.09%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹20.12 Cr	15.33%
Consumer Cyclical	₹12.11 Cr	9.23%
Technology	₹9.98 Cr	7.61%
Energy	₹9.62 Cr	7.33%
Industrials	₹9.03 Cr	6.88%
Communication Services	₹8.38 Cr	6.39%
Basic Materials	₹6.87 Cr	5.24%
Consumer Defensive	₹4.85 Cr	3.70%
Healthcare	₹4.04 Cr	3.08%
Utilities	₹2.53 Cr	1.93%
Real Estate	₹1.57 Cr	1.20%

Risk & Performance Ratios

Fund Managers

Parijat Agrawal

Since August 2018

Sanjay Bembalkar

Since January 2023

Gaurav Chopra

Since November 2024

Additional Scheme Detailsas of 28th February 2025

ISIN

INF582M01EC1

Expense Ratio

1.43%

Exit Load

1.00%

Fund Size

₹393 Cr

Age

6 years 7 months

Lumpsum Minimum

₹1,000

Fund Status

Open Ended Investment Company

Benchmark

Crisil Equity Savings Index TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Equity Savings Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Kotak Equity Savings Fund Direct Growth Moderate Risk	0.7%	1.0%	₹7897.27 Cr	7.8%
Kotak Equity Savings Fund Regular Growth Moderate Risk	1.8%	1.0%	₹7897.27 Cr	6.6%
Edelweiss Equity Savings Fund Regular Growth Moderate Risk	1.6%	0.0%	₹568.54 Cr	9.7%
Edelweiss Equity Savings Fund Direct Growth Moderate Risk	0.6%	0.0%	₹568.54 Cr	10.8%
Baroda BNP Paribas Equity Savings Fund Regular Growth Moderately High risk	2.5%	1.0%	₹677.47 Cr	7.1%
Baroda BNP Paribas Equity Savings Fund Direct Growth Moderately High risk	1.3%	1.0%	₹677.47 Cr	8.4%
Tata Equity Savings Fund Regular Growth Low to Moderate Risk	1.1%	0.0%	₹249.88 Cr	9.3%
Bandhan Equity Savings Fund Regular Growth Low to Moderate Risk	1.1%	0.0%	₹254.67 Cr	6.9%
PGIM India Equity Savings Fund Regular Growth Low to Moderate Risk	1.3%	0.0%	₹68.41 Cr	6.5%
Sundaram Equity Savings Fund Regular Growth Moderate Risk	2.2%	0.0%	₹1032.94 Cr	9.0%

About the AMC

Union Mutual Fund

+91 022 67483333

https://www.unionmf.com/

Total AUM

₹22,892 Cr

Address

Unit 802, 8th Floor, Tower ‘A’, Mumbai, 400013

Other Funds by Union Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Union Children's Fund Direct Growth Very High Risk	1.1%	0.0%	₹56.70 Cr	10.0%
Union Innovation & Opportunities Fund Direct Growth Very High Risk	0.9%	1.0%	₹791.61 Cr	15.3%
Union Fixed Maturity Plan 1114 Days Series 13 Direct Growth Moderate Risk	-	0.0%	₹25.17 Cr	7.7%
Union Small Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹5311.92 Cr	8.1%
Union Hybrid Equity Fund Direct Growth Very High Risk	0.9%	1.0%	₹575.71 Cr	7.5%
Union Medium Duration Fund Direct Growth Moderate Risk	0.6%	1.0%	₹80.25 Cr	8.2%
Union Value Discovery Fund Direct Growth Very High Risk	1.1%	1.0%	₹268.43 Cr	8.3%
Union Multicap Fund Direct Growth Very High Risk	1.0%	1.0%	₹959.13 Cr	9.9%
Union Balanced Advantage Fund Direct Growth Very High Risk	1.0%	1.0%	₹1318.79 Cr	6.9%
Union Equity Savings Fund Direct Growth Moderate Risk	1.4%	1.0%	₹393.07 Cr	6.2%
Union Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹231.08 Cr	7.7%
Union Tax Saver (ELSS) Fund Direct Growth Very High Risk	1.5%	0.0%	₹800.30 Cr	6.8%
Union Dynamic Bond Fund Direct Growth Moderate Risk	1.2%	1.0%	₹78.06 Cr	8.8%
Union Flexi Cap Fund Direct Growth Very High Risk	1.0%	1.0%	₹1994.95 Cr	6.1%
Union Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹5287.85 Cr	7.4%
Union Midcap Fund Direct Growth Very High Risk	0.7%	1.0%	₹1195.82 Cr	12.1%
Union Gilt Fund Direct Growth Moderate Risk	0.7%	0.0%	₹111.74 Cr	9.2%
Union Largecap Fund Direct Growth Very High Risk	1.4%	1.0%	₹401.13 Cr	4.4%
Union Retirement Fund Direct Growth Very High Risk	0.9%	0.0%	₹141.93 Cr	8.1%
Union Corporate Bond Fund Direct Growth Moderate Risk	0.4%	1.0%	₹328.33 Cr	8.6%
Union Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹194.50 Cr	6.6%
Union Focused Fund Direct Growth Very High Risk	1.4%	1.0%	₹363.49 Cr	4.8%
Union Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹197.96 Cr	7.5%
Union Large & Midcap Fund Direct Growth Very High Risk	1.1%	1.0%	₹17818.19 Cr	8.6%

Risk Level

Your principal amount will be at Moderate Risk

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What is the current NAV of Union Equity Savings Fund Direct Growth?

The NAV of Union Equity Savings Fund Direct Growth, as of 27-Mar-2025, is ₹16.89.

What are the returns of Union Equity Savings Fund Direct Growth?

The fund has generated 6.16% over the last 1 year and 7.94% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Union Equity Savings Fund Direct Growth?

The fund's allocation of assets is distributed as -10.08% in equities, 7.71% in bonds, and 102.36% in cash and cash equivalents.

Who manages the Union Equity Savings Fund Direct Growth?

The fund managers responsible for Union Equity Savings Fund Direct Growth are:-

Parijat Agrawal
Sanjay Bembalkar
Gaurav Chopra

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹393 Cr

Expense Ratio

1.43%

ISIN

INF582M01EC1

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

06 Aug 2018

Risk Level

Your principal amount will be at Moderate Risk