MonitorDirect · GrowthWatch before adding
Union Medium Duration Fund
Union Mutual FundDebt Scheme - Medium Duration Fund6.2 years
- NAV
- 12.5851
- 29 Jan 2025
- 1Y
- +8.0%
- Trailing CAGR
- AUM
- ₹58.87 L
- 31 Mar 2025
- Volatility
- Low
- 1.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Jan 2025
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 Kotak Medium Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
6.2 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.63% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -2.8%. 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
n/a
Holdings weights not on file for this scheme yet.
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+8.0%
- 3Y+5.7%
- 5Yn/a
- 10Yn/a
- SI+5.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+8.0%
- 3Y+7.2%
- 5Yn/a
- 10Yn/a
- Since inception
- +5.4%
- Calendar-day CAGR
- Excess 1Y
- +3.1%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +7.2%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.8%
- 327 daily-ending windows
- Median rolling 3Y
- +4.9%
- 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
- -2.8%
- Worst peak-to-trough
- Current
- -0.0%
- Below last peak
- Current spell
- 1 days
- Days below latest peak
- Time below peak
- +63%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 108 recovered episodes
- Longest recovery
- 189 days
- Trough to prior peak
31 Mar 2022 – 11 Nov 2022
Trough 6 May 2022 · recovered in 189 days
-2.8%
8 Jan 2021 – 7 May 2021
Trough 18 Mar 2021 · recovered in 50 days
-2.5%
14 Jun 2021 – 20 Jul 2021
Trough 6 Jul 2021 · recovered in 14 days
-0.7%
14 Dec 2021 – 10 Feb 2022
Trough 2 Feb 2022 · recovered in 8 days
-0.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
70
Consistency
3
Risk-adjusted
11
Drawdown
93
Mean
35
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
- Three-year return sits below the 25th percentile of comparable share classes.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Medium Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +5.1%
- 3Y
- +8.6%
- Vol
- 2.0%
- Max DD
- -5.2%
- Sharpe
- 1.23
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Tata Medium Term Fund
Tata Mutual Fund
- 1Y
- +2.6%
- 3Y
- +7.4%
- Vol
- 5.3%
- Max DD
- -15.0%
- Sharpe
- 0.12
- 3Y win
- +14%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
UTI - Medium Term Fund (Segregated - 17022020)
UTI Mutual Fund
- 1Y
- +339.1%
- 3Y
- n/a
- Vol
- n/a
- Max DD
- -24.2%
- Sharpe
- n/a
- 3Y win
- n/a
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
Franklin India Income Opportunities Fund (no. of segregated portfolios- 2)
Franklin Templeton Mutual Fund
- 1Y
- +15.8%
- 3Y
- +5.4%
- Vol
- 4.2%
- Max DD
- -13.7%
- Sharpe
- 0.61
- 3Y win
- +86%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns