MonitorPlan n/a · Option n/aWatch before adding
Union Liquid Fund - Unclaimed Amounts Plan - Redemption Beyond 3 years
- NAV
- 1,000.00
- 30 Nov 2021
- 1Y
- 0.0%
- Trailing CAGR
- AUM
- ₹7,564.22 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Nov 2021
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer BANDHAN LIQUID Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
8.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -3.3%. 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
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
Pass
Top 10 holdings ≈ 30.9% 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
- 1Y0.0%
- 3Y+0.7%
- 5Yn/a
- 10Yn/a
- SI0.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.0%
- 3Y+0.1%
- 5Yn/a
- 10Yn/a
- Since inception
- 0.0%
- Calendar-day CAGR
- Excess 1Y
- -4.5%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 17
- Vs comparable share classes
- SIP 3Y XIRR
- +0.1%
- Simulated monthly SIP
- Worst rolling 3Y
- -0.0%
- 316 daily-ending windows
- Median rolling 3Y
- 0.0%
- 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
- -3.3%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +15%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 33 days
- 6 recovered episodes
- Longest recovery
- 187 days
- Trough to prior peak
13 Sept 2018 – 24 Mar 2019
Trough 18 Sept 2018 · recovered in 187 days
-3.3%
17 Mar 2020 – 27 Mar 2020
Trough 24 Mar 2020 · recovered in 3 days
-0.2%
10 Jan 2021 – 12 Jan 2021
Trough 11 Jan 2021 · recovered in 1 days
-0.0%
27 Apr 2020 – 30 Apr 2020
Trough 28 Apr 2020 · recovered in 2 days
-0.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
17
Vs category
22
Consistency
0
Risk-adjusted
0
Drawdown
92
Mean
26
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
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- Three-year return sits below the 25th percentile of comparable share classes.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 73 holdings · top 10 are 30.9%.
- Top 5
- 19.1%
- Top 10
- 30.9%
- Largest holding
- n/a
- Effective holdings
- n/a
Asset mix
Debt
98.8%
Cash
1.2%
Sectors
Financial
83.7%
Healthcare
3.5%
Construction
2.5%
Others
2.1%
Energy
2.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BANDHAN LIQUID Fund
Bandhan Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -5.85
- 3Y win
- +19%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
BANDHAN LIQUID Fund - Unclaimed Less than 3 years
Bandhan Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -9.77
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Franklin India Liquid Fund
Franklin Templeton Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -4.45
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Franklin India Liquid Fund - Institution
Franklin Templeton Asset Management (India) Private Limited
- 1Y
- +5.3%
- 3Y
- +6.3%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -0.53
- 3Y win
- +20%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Liquid Fund
ICICI Prudential Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -5.48
- 3Y win
- +23%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns