HealthyDirect · GrowthFit for a long SIP
Union Aggressive Hybrid Fund
Union Mutual FundHybrid Scheme - Aggressive Hybrid Fund5.8 years
The scheme seeks to achieve long term capital growth and generate income from a portfolio, predominantly of equity and equity related securities. The scheme will also invest in debt & money market instruments.
- NAV
- 19.18
- 30 Oct 2026
- 1Y
- -1.9%
- Trailing CAGR
- AUM
- ₹727.42 Cr
- 30 Sept 2026
- Volatility
- Medium
- 10.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 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 · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
5.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Watch
1.59% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -15.1%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Vinod Malviya · 2.0 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
Pass
Top 10 holdings ≈ 34.4% 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 15%. 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-1.9%
- 3Y+10.3%
- 5Y+8.3%
- 10Yn/a
- SI+11.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.3%
- 3Y+4.3%
- 5Y+8.5%
- 10Yn/a
- Since inception
- +11.7%
- Calendar-day CAGR
- Excess 1Y
- +2.2%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +4.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +9.2%
- 700 daily-ending windows
- Median rolling 3Y
- +13.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 208 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -15.1%
- Worst peak-to-trough
- Current
- -4.8%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +84%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 76 recovered episodes
- Longest recovery
- 167 days
- Trough to prior peak
17 Jan 2022 – 1 Dec 2022
Trough 17 Jun 2022 · recovered in 167 days
-15.1%
26 Sept 2024 – 26 Jun 2025
Trough 28 Feb 2025 · recovered in 118 days
-13.7%
5 Jan 2026 – 6 Jul 2026
Trough 30 Mar 2026 · recovered in 98 days
-10.3%
1 Dec 2022 – 30 May 2023
Trough 28 Mar 2023 · recovered in 63 days
-7.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
64
Consistency
19
Risk-adjusted
53
Drawdown
62
Mean
50
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
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 83 holdings · top 10 are 34.4%.
- Top 5
- 21.1%
- Top 10
- 34.4%
- Largest holding
- 6.3%
- Effective holdings
- 49.6
Repo
Unspecified
6.3%
HDFC Bank Ltd
Financial
4.6%
POWER FINANCE CORPORATION LTD. SR BS221B 7.59 BD 17JN28 FVRS10LAC
Financial
3.4%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC
Financial
3.4%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25D 7.40 BD 29AP30 FVRS1LAC
Financial
3.4%
What changed
DECISION
Status moved from MONITOR to HEALTHY.
15 Sept 2026
DECISION
Status moved from MONITOR to HEALTHY.
11 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Sundaram Aggressive Hybrid Fund (Formerly Known as Principal Hybrid Equity Fund)
Sundaram Mutual Fund
- 1Y
- -6.7%
- 3Y
- +8.6%
- Vol
- 10.2%
- Max DD
- -13.1%
- Sharpe
- 0.20
- 3Y win
- +0%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Bandhan Aggressive Hybrid Fund
Bandhan Mutual Fund
- 1Y
- +1.7%
- 3Y
- +14.5%
- Vol
- 12.4%
- Max DD
- -31.5%
- Sharpe
- 0.53
- 3Y win
- +63%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Edelweiss Aggressive Hybrid Fund
Edelweiss Mutual Fund
- 1Y
- -2.0%
- 3Y
- +12.8%
- Vol
- 12.5%
- Max DD
- -28.6%
- Sharpe
- 0.62
- 3Y win
- +71%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Kotak Aggressive Hybrid Fund
Kotak Mahindra Mutual Fund
- 1Y
- -2.8%
- 3Y
- +12.3%
- Vol
- 15.5%
- Max DD
- -47.4%
- Sharpe
- 0.02
- 3Y win
- +49%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Navi Aggressive Hybrid Fund
Navi Mutual Fund
- 1Y
- +3.3%
- 3Y
- +12.0%
- Vol
- 13.0%
- Max DD
- -30.7%
- Sharpe
- 0.45
- 3Y win
- +16%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown