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Home Mf Research Union Liquid Fund Growth
Union Mutual Fund

Union Liquid Fund - Growth

Debt Debt Liquid
Fund House : Union Mutual Fund
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-22)
2,509.31 0.02%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
0.17%
Expense Ratio (Direct)
0.07%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-15 ₹1,000.00 ₹1,001.08
0.11 %
Two Week 2025-06-07 ₹1,000.00 ₹1,002.25
0.22 %
One Month 2025-05-23 ₹1,000.00 ₹1,005.16
0.52 %
Three Months 2025-03-24 ₹3,000.00 ₹3,032.96
1.10 %
Six Months 2024-12-24 ₹6,000.00 ₹6,120.44
2.01 %
One Year 2024-06-22 ₹12,000.00 ₹12,466.22
3.89 %
Three Year 2022-06-23 ₹36,000.00 ₹40,189.78
11.64 %
Five Year 2020-06-23 ₹60,000.00 ₹70,716.06
17.86 %
Ten Year 2015-06-25 ₹120,000.00 ₹161,489.46
34.57 %
Since Inception 2011-10-02 ₹168,000.00 ₹258,750.33
54.02 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
Alembic Pharmaceuticals Ltd. - Debt 3.53
Indian Oil Corporation Ltd. - Debt 0.59
Reliance Jio Infocomm Ltd. - Debt 0.59
ICICI Home Finance Co. Ltd. - Debt 1.17
Redington Ltd. - Debt 2.37
Reliance Industries Ltd. - Debt 2.37
PNB Housing Finance Ltd. - Debt 2.34
Infina Finance Pvt. Ltd. - Debt 1.19
HDB Financial Services Ltd. - Debt 1.78
SBICAP Securities Ltd. - Debt 1.78
Aditya Birla Capital Ltd. - Debt 1.17
Axis Finance Ltd. - Debt 1.76
BOBCARD Ltd. - Debt 1.76
National Bank for Agriculture and Rural Development - Debt 0.59
Kotak Securities Ltd. - Debt 1.18
HDFC Securities Ltd. - Debt 0.59
Godrej Agrovet Ltd. - Debt 1.18
NTPC Ltd. - Debt 1.18
SBI Cards & Payment Services Ltd. - Debt 1.17
ICICI Securities Ltd. - Debt 0.59
Small Industries Development Bank of India - Debt 0.59
Indian Bank - Debt 1.17
Axis Bank Ltd. - Debt 0.59
UCO Bank - Debt 2.36
Punjab National Bank - Debt 1.17
Kotak Mahindra Bank Ltd. - Debt 1.78
Bank of India - Debt 1.78
HDFC Bank Ltd. - Debt 1.18
Canara Bank - Debt 1.17
IDFC First Bank Ltd. - Debt 1.18
Bank of Baroda - Debt 1.17
91 Day Treasury Bills - Debt 0.01
364 Day Treasury Bills - Debt 0.59
182 Day Treasury Bills - Debt 0.59
Corporate Debt Mkt Devp. Fund-A2 Alternative Investment Fund Debt 0.23
Net Receivable / Payable - Debt -2.96
GRAND TOTAL (AUM) - - 100.00
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
46 Days
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) : Devesh Thacker (Over 24 years), Parijat Agrawal (Over 28 years),
  • Expense ration regular : 0.17
  • Expense ration direct : 0.07
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹500.00
  • Type : debt
Exit load
[{"day":1,"exit_load":"0.0070%"},{"day":2,"exit_load":"0.0065%"},{"day":3,"exit_load":"0.0060%"},{"day":4,"exit_load":"0.0055%"},{"day":5,"exit_load":"0.0050%"},{"day":6,"exit_load":"0.0045%"},{"day":7,"exit_load":"0.0000%"}]

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