MonitorDirect · Growth
Union Liquid Fund
Union Mutual FundDebt Scheme - Liquid Fund13.7 years
The scheme seeks to provide reasonable returns commensurate with lower risk and high level of liquidity through a portfolio of money market and debt securities.
- NAV
- 2,741.7502
- 15 Sept 2026
- 1Y
- +6.5%
- Trailing CAGR
- AUM
- ₹7,577.89 Cr
- 31 Aug 2026
- Volatility
- Low
- 0.6% annualized
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+6.5%
- 3Y+7.0%
- 5Y+6.4%
- 10Y+5.7%
- SI+6.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.7%
- 3Y+6.8%
- 5Y+6.8%
- 10Y+6.0%
- Since inception
- +6.5%
- Calendar-day CAGR
- Excess 1Y
- +0.0%
- Category median, same plan and option
- 3Y win rate
- +39%
- Windows beating the median
- 3Y percentile
- 53
- Vs comparable share classes
- Worst rolling 3Y
- +3.9%
- 3907 daily-ending windows
- Median rolling 3Y
- +5.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 3177 daily-ending windows
- SIP 3Y XIRR
- +6.8%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 14 days
- 14 recovered episodes
- Longest recovery
- 176 days
- Trough to prior peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +4%
- NAV observations
13 Sept 2018 – 13 Mar 2019
Trough 18 Sept 2018 · recovered in 176 days
-3.3%
17 Mar 2020 – 27 Mar 2020
Trough 24 Mar 2020 · recovered in 3 days
-0.2%
15 Jul 2013 – 21 Jul 2013
Trough 16 Jul 2013 · recovered in 5 days
-0.1%
23 Jul 2013 – 28 Jul 2013
Trough 24 Jul 2013 · recovered in 4 days
-0.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
53
Vs category
50
Consistency
43
Risk-adjusted
0
Drawdown
92
Mean
48
Portfolio
31 Aug 2026 · 90 holdings · top 10 are 29.3%.
- Top 5
- 18.4%
- Top 10
- 29.3%
- Largest holding
- 6.1%
- Effective holdings
- 56.6
Reverse Repo
Unspecified
6.1%
91 Days Tbill (MD 17/09/2026)
Financial
3.5%
Axis Bank Limited (16/09/2026) **
Financial
3.3%
GOVERNMENT OF INDIA 37861 091 DAYS TBILL 27NV26 FV RS 100
Financial
2.9%
INDIAN BANK CD 07SEP26
Financial
2.6%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
Why this status
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Liquid Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.6%
- 3Y
- +7.0%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -2.11
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Franklin India Liquid Fund
Franklin Templeton Mutual Fund
- 1Y
- +6.6%
- 3Y
- +7.0%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -1.61
- 3Y win
- +84%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
PGIM India Liquid Fund
PGIM India Mutual Fund
- 1Y
- +6.5%
- 3Y
- +7.0%
- Vol
- 0.1%
- Max DD
- -0.1%
- Sharpe
- -6.19
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Aditya Birla Sun Life Liquid Fund- Discipline Advantage Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.6%
- 3Y
- +7.2%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +96%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
BANDHAN LIQUID Fund - Unclaimed Less than 3 years
Bandhan Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -7.14
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns