MonitorDirect · GrowthWatch before adding
Union Diversified Equity All Cap Active FOF
- NAV
- 10.4174
- 29 Oct 2026
- 1Y
- +3.1%
- Trailing CAGR
- AUM
- ₹194.74 Cr
- 30 Sept 2026
- Volatility
- Medium
- 15.1% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 71% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer ICICI Prudential Dynamic Asset Allocation Active FOF- Dividend if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
1.1 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.57% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.1%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
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 ≈ 100.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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+3.1%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+5.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.0%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +5.0%
- Calendar-day CAGR
- Excess 1Y
- -0.8%
- 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
- -12.1%
- Worst peak-to-trough
- Current
- -6.8%
- Below last peak
- Current spell
- 59 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 17 recovered episodes
- Longest recovery
- 44 days
- Trough to prior peak
3 Nov 2025 – 6 May 2026
Trough 23 Mar 2026 · recovered in 44 days
-12.1%
31 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-9.9%
7 May 2026 – 17 Jun 2026
Trough 18 May 2026 · recovered in 30 days
-3.7%
24 Sept 2025 – 7 Oct 2025
Trough 30 Sept 2025 · recovered in 7 days
-2.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
29
Vs category
45
Consistency
71
Risk-adjusted
26
Drawdown
70
Mean
48
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 71% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 6 holdings · top 10 are 100.0%.
- Top 5
- 98.2%
- Top 10
- 100.0%
- Largest holding
- 55.4%
- Effective holdings
- 2.8
Union Multicap Fund Direct - Growth
Unspecified
55.4%
Union Small and Midcap Fund Direct-Growth
Unspecified
16.9%
Union Midcap Fund Direct - Growth
Unspecified
11.9%
Union Large & Midcap Fund Direct - Growth
Unspecified
9.6%
Union Largecap Fund Direct - Growth
Unspecified
4.4%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Dynamic Asset Allocation Active FOF- Dividend
ICICI Prudential Mutual Fund
- 1Y
- -2.1%
- 3Y
- +10.0%
- Vol
- 9.1%
- Max DD
- -26.4%
- Sharpe
- 0.66
- 3Y win
- +85%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Kotak Multi Asset Omni FOF
Kotak Mahindra Mutual Fund
- 1Y
- -2.1%
- 3Y
- +13.7%
- Vol
- 10.3%
- Max DD
- -22.8%
- Sharpe
- 0.85
- 3Y win
- +98%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Aditya Birla Sun Life Income Plus Arbitrage Active FOF
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.1%
- Vol
- 4.7%
- Max DD
- -10.1%
- Sharpe
- 0.37
- 3Y win
- +11%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Bandhan Conservative Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -0.5%
- 3Y
- +7.0%
- Vol
- 3.5%
- Max DD
- -9.8%
- Sharpe
- 0.66
- 3Y win
- +26%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
BHARAT Bond ETF FOF - April 2033
Edelweiss Mutual Fund
- 1Y
- +0.9%
- 3Y
- +6.7%
- Vol
- 4.4%
- Max DD
- -4.3%
- Sharpe
- 0.19
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns