HealthyDirect · GrowthFit for a long SIP
UNIFI DYNAMIC ASSET ALLOCATION FUND
Unifi Mutual FundHybrid Scheme - Dynamic Asset Allocation or Balanced Advantage1.6 years
The scheme seeks to generate income and/or capital appreciation by investing in a dynamically managed portfolio of fixed income instruments, equity & equity derivatives and other permissible equity/hybrid instruments.
- NAV
- 11.3845
- 29 Oct 2026
- 1Y
- +8.3%
- Trailing CAGR
- AUM
- ₹1,477.6 Cr
- 30 Sept 2026
- Volatility
- Low
- 0.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 99% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Fail
1.6 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.40% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.2%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Aejas Lakhani · 1.7 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 71.3% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 0%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+8.3%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+8.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+8.4%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +8.3%
- Calendar-day CAGR
- Excess 1Y
- +11.2%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.2%
- Worst peak-to-trough
- Current
- -0.0%
- Below last peak
- Current spell
- 1 days
- Days below latest peak
- Time below peak
- +32%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 2 days
- 67 recovered episodes
- Longest recovery
- 14 days
- Trough to prior peak
10 Sept 2026 – 18 Sept 2026
Trough 15 Sept 2026 · recovered in 3 days
-0.2%
23 Sept 2026 – 30 Sept 2026
Trough 29 Sept 2026 · recovered in 1 days
-0.2%
18 Mar 2026 – 7 Apr 2026
Trough 24 Mar 2026 · recovered in 14 days
-0.1%
4 Aug 2026 – 10 Aug 2026
Trough 6 Aug 2026 · recovered in 4 days
-0.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
41
Vs category
100
Consistency
99
Risk-adjusted
100
Drawdown
100
Mean
88
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 99% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 138 holdings · top 10 are 71.3%.
- Top 5
- 57.0%
- Top 10
- 71.3%
- Largest holding
- 33.4%
- Effective holdings
- 7.1
Cash Margin
Unspecified
33.4%
Net Current Assets
Unspecified
11.9%
VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC
Materials
4.1%
SHREM INFRA INVEST PRIVATE LIMITED SR SIPLNCD2028 9.75 LOA 15MY28 FVRS1LAC
Industrials
3.8%
GOVERNMENT OF INDIA 32829 GOI 10AP28 7.06 FV RS 100
Entities
3.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
quant Dynamic Asset Allocation Fund
quant Mutual Fund
- 1Y
- -5.9%
- 3Y
- +12.8%
- Vol
- 13.8%
- Max DD
- -18.4%
- Sharpe
- 0.69
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Aditya Birla Sun Life Balanced Advantage Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +2.2%
- 3Y
- +11.7%
- Vol
- 9.8%
- Max DD
- -26.4%
- Sharpe
- 0.54
- 3Y win
- +77%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANDHAN Balanced Advantage Fund
Bandhan Mutual Fund
- 1Y
- +0.6%
- 3Y
- +9.5%
- Vol
- 8.6%
- Max DD
- -25.9%
- Sharpe
- 0.40
- 3Y win
- +19%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANK OF INDIA BALANCED ADVANTAGE FUND
Bank of India Mutual Fund
- 1Y
- -0.7%
- 3Y
- +9.4%
- Vol
- 8.8%
- Max DD
- -17.8%
- Sharpe
- 0.31
- 3Y win
- +18%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
DSP Dynamic Asset Allocation Fund
DSP Mutual Fund
- 1Y
- +0.1%
- 3Y
- +10.2%
- Vol
- 7.0%
- Max DD
- -19.3%
- Sharpe
- 0.55
- 3Y win
- +32%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown