Union Balanced Advantage Fund - Regular Plan - Growth
Hybrid
Hybrid Balanced Hybrid
Fund House : Union Mutual Fund
-
-
- 1W
- 2W
- 1M
- 3M
- 6M
- 1Y
- 3Y
- 5Y
- SI
NAV (as on
2025-06-20)
20.02 0.75%
Fund Size (Total
Assets)
-
Expense Ratio
(Regular)
2.11%
Expense Ratio
(Direct)
0.91%
SIP Returns
| Period Invested for | ₹1000 SIP Started on | Investments | Latest Value | Abs. Returns |
|---|---|---|---|---|
| One Week | 2025-06-13 | ₹1,000.00 | ₹1,005.02 |
0.50 %
|
| Two Week | 2025-06-05 | ₹1,000.00 | ₹1,003.01 |
0.30 %
|
| One Month | 2025-05-22 | ₹1,000.00 | ₹1,010.60 |
1.06 %
|
| Three Months | 2025-03-24 | ₹3,000.00 | ₹3,060.66 |
2.02 %
|
| Six Months | 2024-12-23 | ₹6,000.00 | ₹6,218.77 |
3.65 %
|
| One Year | 2024-06-20 | ₹12,000.00 | ₹12,386.13 |
3.22 %
|
| Three Year | 2022-06-21 | ₹36,000.00 | ₹42,186.75 |
17.19 %
|
| Five Year | 2020-06-22 | ₹60,000.00 | ₹77,066.43 |
28.44 %
|
| Since Inception | 2017-12-29 | ₹92,000.00 | ₹137,304.97 |
49.24 %
|
Portfolio Summary
| Company Name | Sector | Sector Type | Nav(in %) |
|---|---|---|---|
| HDFC Bank Ltd. | Short | Equity | 41.75 |
| ICICI Bank Ltd. | Banks | Equity | 4.42 |
| Reliance Industries Ltd. | Short | Equity | 159.92 |
| Bharti Airtel Ltd. | Short | Equity | 244.26 |
| Infosys Ltd. | Short | Equity | 165.32 |
| Larsen & Toubro Ltd. | Construction | Equity | 2.00 |
| Hindustan Unilever Ltd. | Short | Equity | 129.85 |
| Tata Consultancy Services Ltd. | Short | Equity | 63.35 |
| Mahindra & Mahindra Ltd. | Short | Equity | 146.53 |
| State Bank of India | Short | Equity | 149.50 |
| Eternal Ltd. | Short | Equity | 280.27 |
| Bajaj Finance Ltd. | Short | Equity | 81.53 |
| Interglobe Aviation Ltd. | Short | Equity | 164.40 |
| Titan Company Ltd. | Short | Equity | 307.67 |
| ITC Ltd. | Diversified FMCG | Equity | 1.20 |
| Bharat Electronics Ltd. | Aerospace & Defense | Equity | 1.20 |
| TVS Motor Company Ltd. | Automobiles | Equity | 1.19 |
| Kotak Mahindra Bank Ltd. | Banks | Equity | 1.17 |
| Axis Bank Ltd. | Banks | Equity | 1.14 |
| Tata Power Company Ltd. | Short | Equity | 315.12 |
| Jio Financial Services Ltd. | Finance | Equity | 0.93 |
| Varun Beverages Ltd. | Beverages | Equity | 0.83 |
| Adani Ports and Special Economic Zone Ltd. | Transport Infrastructure | Equity | 0.83 |
| Oil & Natural Gas Corporation Ltd. | Short | Equity | 132.61 |
| Lupin Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.82 |
| Solar Industries India Ltd. | Chemicals & Petrochemicals | Equity | 0.82 |
| Sun Pharmaceutical Industries Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.79 |
| Coromandel International Ltd. | Fertilizers & Agrochemicals | Equity | 0.74 |
| Max Financial Services Ltd. | Insurance | Equity | 0.74 |
| REC Ltd. | Short | Equity | 279.28 |
| Max Healthcare Institute Ltd. | Healthcare Services | Equity | 0.73 |
| Shriram Finance Ltd. | Finance | Equity | 0.72 |
| JK Cement Ltd. | Cement & Cement Products | Equity | 0.70 |
| Dixon Technologies (India) Ltd. | Consumer Durables | Equity | 0.70 |
| NTPC Green Energy Ltd. | Power | Equity | 0.68 |
| Maruti Suzuki India Ltd. | Automobiles | Equity | 0.66 |
| Ultratech Cement Ltd. | Cement & Cement Products | Equity | 0.65 |
| Gabriel India Ltd. | Auto Components | Equity | 0.64 |
| Gokaldas Exports Ltd. | Textiles & Apparels | Equity | 0.63 |
| Aadhar Housing Finance Ltd. | Finance | Equity | 0.61 |
| Krishna Institute of Medical Sciences Ltd. | Healthcare Services | Equity | 0.59 |
| Jindal Steel & Power Ltd. | Short | Equity | 48.94 |
| Pidilite Industries Ltd. | Chemicals & Petrochemicals | Equity | 0.58 |
| Tata Steel Ltd. | Ferrous Metals | Equity | 0.57 |
| NTPC Ltd. | Power | Equity | 0.55 |
| HCL Technologies Ltd. | IT - Software | Equity | 0.52 |
| Ajanta Pharma Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.49 |
| Mphasis Ltd. | IT - Software | Equity | 0.48 |
| Ethos Ltd. | Consumer Durables | Equity | 0.48 |
| CG Power and Industrial Solutions Ltd. | Electrical Equipment | Equity | 0.47 |
| Awfis Space Solutions Ltd. | Commercial Services & Supplies | Equity | 0.47 |
| Grasim Industries Ltd. | Short | Equity | 98.09 |
| Eicher Motors Ltd. | Short | Equity | 97.86 |
| JSW Energy Ltd. | Power | Equity | 0.40 |
| Tata Consumer Products Ltd. | Short | Equity | 93.99 |
| Cummins India Ltd. | Industrial Products | Equity | 0.38 |
| Hindalco Industries Ltd. | Non - Ferrous Metals | Equity | 0.38 |
| Trent Ltd. | Retailing | Equity | 0.37 |
| IPCA Laboratories Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.36 |
| Cipla Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.34 |
| Coforge Ltd. | IT - Software | Equity | 0.34 |
| Hitachi Energy India Ltd. | Electrical Equipment | Equity | 0.32 |
| Hindustan Aeronautics Ltd. | Aerospace & Defense | Equity | 0.31 |
| Birlasoft Ltd. | IT - Software | Equity | 0.30 |
| Nippon Life India Asset Management Ltd. | Capital Markets | Equity | 0.29 |
| Blue Star Ltd. | Consumer Durables | Equity | 0.29 |
| Power Grid Corporation of India Ltd. | Power | Equity | 0.28 |
| Techno Electric & Engineering Company Ltd. | Construction | Equity | 0.28 |
| Adani Enterprises Ltd. | Short | Equity | 113.00 |
| Persistent Systems Ltd. | IT - Software | Equity | 0.26 |
| Mahindra & Mahindra Financial Services Ltd. | Finance | Equity | 0.26 |
| Ambuja Cements Ltd. | Short | Equity | 74.16 |
| Indian Oil Corporation Ltd. | Short | Equity | 68.41 |
| LTIMindtree Ltd. | IT - Software | Equity | 0.24 |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Durables | Equity | 0.24 |
| Quess Corp Ltd. | Commercial Services & Supplies | Equity | 0.20 |
| Voltas Ltd. | Consumer Durables | Equity | 0.20 |
| Computer Age Management Services Ltd. | Short | Equity | 52.67 |
| Inventurus Knowledge Solutions Ltd. | IT - Services | Equity | 0.14 |
| Tech Mahindra Ltd. | Short | Equity | 29.06 |
| Bluspring Enterprises Ltd. | Commercial Services & Supplies | Equity | 0.11 |
| Digitide Solutions Ltd. | IT - Services | Equity | 0.09 |
| The Indian Hotels Company Ltd. | Short | Equity | 25.20 |
| United Spirits Ltd. | Short | Equity | 14.20 |
| Titan Company Ltd. 26-JUN-25 | Consumer Durables | Debt | -1.26 |
| Tata Power Company Ltd. 26-JUN-25 | Power | Debt | -1.09 |
| Bharti Airtel Ltd. 26-JUN-25 | Telecom - Services | Debt | -1.00 |
| Adani Ports and Special Economic Zone Ltd. 26-JUN-25 | Transport Infrastructure | Debt | -0.83 |
| Eternal Ltd. 26-JUN-25 | Retailing | Debt | -0.77 |
| REC Ltd. 26-JUN-25 | Finance | Debt | -0.73 |
| Infosys Ltd. 26-JUN-25 | IT - Software | Debt | -0.68 |
| Reliance Industries Ltd. 26-JUN-25 | Petroleum Products | Debt | -0.66 |
| Interglobe Aviation Ltd. 26-JUN-25 | Transport Services | Debt | -0.62 |
| State Bank of India 26-JUN-25 | Banks | Debt | -0.61 |
| Hindustan Unilever Ltd. 26-JUN-25 | Diversified FMCG | Debt | -0.53 |
| Mahindra & Mahindra Ltd. 26-JUN-25 | Automobiles | Debt | -0.53 |
| Oil & Natural Gas Corporation Ltd. 26-JUN-25 | Oil | Debt | -0.46 |
| Grasim Industries Ltd. 26-JUN-25 | Cement & Cement Products | Debt | -0.40 |
| Eicher Motors Ltd. 26-JUN-25 | Automobiles | Debt | -0.40 |
| Tata Consumer Products Ltd. 26-JUN-25 | Agricultural Food & other Products | Debt | -0.39 |
| Bajaj Finance Ltd. 26-JUN-25 | Finance | Debt | -0.33 |
| Adani Enterprises Ltd. 26-JUN-25 | Metals & Minerals Trading | Debt | -0.28 |
| Mahindra & Mahindra Financial Services Ltd. 26-JUN-25 | Finance | Debt | -0.26 |
| Tata Consultancy Services Ltd. 26-JUN-25 | IT - Software | Debt | -0.26 |
| Ambuja Cements Ltd. 26-JUN-25 | Cement & Cement Products | Debt | -0.26 |
| Indian Oil Corporation Ltd. 26-JUN-25 | Petroleum Products | Debt | -0.25 |
| Jindal Steel & Power Ltd. 26-JUN-25 | Ferrous Metals | Debt | -0.17 |
| HDFC Bank Ltd. 26-JUN-25 | Banks | Debt | -0.17 |
| Computer Age Management Services Ltd. 26-JUN-25 | Capital Markets | Debt | -0.15 |
| Tech Mahindra Ltd. 26-JUN-25 | IT - Software | Debt | -0.12 |
| The Indian Hotels Company Ltd. 26-JUN-25 | Leisure Services | Debt | -0.08 |
| United Spirits Ltd. 26-JUN-25 | Beverages | Debt | -0.06 |
| Derivatives Total | - | Debt | -13.35 |
| Indian Railway Finance Corporation Ltd. | - | Debt | 0.75 |
| National Bank for Agriculture and Rural Development | - | Debt | 1.11 |
| Power Grid Corporation of India Ltd. | - | Debt | 1.13 |
| Small Industries Development Bank of India | - | Debt | 1.11 |
| REC Ltd. | - | Debt | 0.77 |
| Power Finance Corporation Ltd. | - | Debt | 0.75 |
| GOI 6.92% 2039 | - | Debt | 2.27 |
| 91 Day Treasury Bills | - | Debt | 1.43 |
| 182 Day Treasury Bills | - | Debt | 0.10 |
| 364 Day Treasury Bills | - | Debt | 0.07 |
| TREPS | - | Debt | 6.59 |
| Net Receivable / Payable | - | - | 2.20 |
| GRAND TOTAL (AUM) | - | - | 100.00 |
| Adani Ports & Special Economic Zone Ltd. | Short | Equity | 274.75 |
| Mahindra & Mahindra Financial Serv Ltd. | Short | Equity | 73.12 |
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
- Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
- High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
- Low beta = Less sensitive to market changes → Great for investors with less market exposure.
- High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
- A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
- Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:
India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.
Lock-in times for various investment types
- Most ELSS mutual fund holders hold for 3 years.
- Tax savings FDs lock in for 5 years.
- The lock-in period for 8% Government of India bond investment is 6 years.
- ULIPs must be locked in for 5 years.
- The average hedge fund holding period is 30-90 days.
- The average PPF investor holds onto their money for 15 years.
Residual Maturity:
Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.
There are two different types of residual maturity.
- Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
- Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
- Fund manager(s) : Hardick Bora (Over 16 years), Sanjay Bembalkar (Over 17 years), Parijat Agrawal (Over 28 years),
- Expense ration regular : 2.11
- Expense ration direct : 0.91
- Launch date : -
- Benchmark : -
- Min SIP amount : -
- Max SIP amount : -
- Min investment amount (one time- first time) : ₹100.00
- Type : hybrid
Exit load
1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter.
FAQs
Is a Mutual Fund with a Lower NAV Better?
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