Union Flexi Cap Fund Regular IDCW NAV today
AMFI: 115290ISIN: INF582M01120MUTF_IN: UNIO_FLEX_CAP_1OYIM4DUnion Mutual FundFlexi Cap funds
NAV ₹27.1800
NAV for 23 Oct 2026. Declared once a day.
- Fund sizeAssets under management. The money the fund manages for all its investors, across every plan, at the end of the month.
- ₹2,320 CrSep 2026
- Expense ratioTotal expense ratio. What the fund charges each year as a share of the money invested, taken out of the NAV every day, so the returns shown are already after it.
- 2.54%18 Oct 2026
- Exit loadExit load. A charge, as a share of the amount redeemed, on units sold before a set period has passed since they were bought.
- 1%if sold within 15 days
- P/EP/E. What the fund pays for each rupee of yearly profit its companies earn: the total value of its shares divided by those companies' last four quarters of profit, each in proportion to what the fund holds. The profit leaves out one-off items (exceptional items and businesses sold or demerged), so one company's one-off gain cannot make the fund look cheap. A loss-making company lowers the profit. Shown when at least 80% of the fund's shares are counted.
- 28.530 Sep 2026
- Risk levelRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Very HighAug 2026
- HoldingsHoldings. The number of different securities in the fund's latest monthly portfolio: shares, bonds, money market paper and units of other funds, not cash, overnight lending or futures.
- 7530 Sep 2026
- LaunchedLaunch date. The day the fund first allotted units to investors, at the close of its new fund offer.
- 10 Jun 2011
Union Flexi Cap Fund returns
Read from the regular plan's growth option: an IDCW plan's NAV falls by every payout, so it carries no return of its own
Over each window to 23 Oct 2026
| Over | ReturnTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back. | Rank in categoryRank in category. The fund's place among the funds of its category with a return over the same window, highest return first. | Category medianCategory median. The middle return of the funds in the category over the same window: half returned more, half less. | Middle halfMiddle half of the category. The returns of the fund a quarter of the way down the category and the fund a quarter of the way up, over the same window: half the category's funds returned between the two. |
|---|---|---|---|---|---|
| 1 week | −4.47% | – | – | – | – |
| 1 month | −7.05% | – | 26 of 47 | −6.79% | −8.2% to −6.0% |
| 3 months | −4.84% | – | 18 of 44 | −5.32% | −6.5% to −4.0% |
| 6 months | −2.46% | – | 21 of 44 | −2.55% | −5.5% to −0.6% |
| 1 year | −6.91% | −2.33%to 30 Sep 2026 | 19 of 42 | −7.24% | −9.4% to −4.5% |
| 3 years | +8.48% | +9.19%to 30 Sep 2026 | 26 of 37 | +9.64% | +7.8% to +12.9% |
| 5 years | +7.13% | +8.90%to 30 Sep 2026 | 17 of 27 | +7.64% | +6.7% to +9.7% |
| 10 years | +11.46% | +12.78%to 30 Sep 2026 | 11 of 19 | +11.57% | +10.6% to +12.4% |
₹10,000 put in on 17 Jun 2011 is ₹48,711 at the NAV of 23 Oct 2026Growth of ₹10,000. What ₹10,000 put in at the NAV of the first day would be worth at the latest NAV, after the fund's expenses and before tax and any exit load.Over a year and longer, a return is the yearly rate. Benchmark: BSE 500 TRI, over the same days as the fund, or to the month end its cell names. Rank, median and middle half among the Regular plans of Flexi Cap funds, each fund's return to its latest NAV on or before 25 Oct 2026.
At the month end, 30 Sep 2026
| Over | FundTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark return. The change in the benchmark index's total return level over the same dates as the fund's return, as a yearly rate over a year and longer. |
|---|---|---|
| 1 year | +0.26% | −2.33% |
| 3 years | +9.10% | +9.19% |
| 5 years | +8.48% | +8.90% |
| 10 years | +12.09% | +12.78% |
| Since launch | +11.16% | +12.29% |
Benchmark: BSE 500 TRI. Both as the fund house states them for the month.
Return in each calendar year
- Fund, Regular GrowthCalendar year return. The change in NAV from the last NAV of one year to the last NAV of the next.
- Loss
Highest year to Dec 2014, +40.1%; lowest year to Dec 2015, −7.6%
Union Flexi Cap Fund SIP returns
₹10,000 on the 1st of every month, valued at the NAV of 23 Oct 2026
| Period | InvestedAmount invested. ₹10,000 on the 1st of every month, or the next day the fund priced, added up over the period. | Value todayValue today. What the units bought by every instalment are worth at the latest NAV. | Invested against value today | SIP returnSIP return (XIRR). The yearly rate that, applied to each monthly instalment from the day it was invested, gives the value of all the units today. | After stamp dutySIP return after stamp duty. The same SIP return with stamp duty of 0.005% taken from every instalment since 1 Jul 2020, so ₹10,000 buys ₹9,999.50 of units. | Stamp dutyStamp duty paid. The stamp duty on all the instalments, in rupees: 0.005% of each purchase made since 1 Jul 2020. |
|---|---|---|---|---|---|---|
| 1 year12 instalments | ₹1,20,000 | ₹1,15,282₹1,15,276 after stamp duty | −7.51% | −7.52% | ₹6 | |
| 3 years36 instalments | ₹3,60,000 | ₹3,62,081₹3,62,063 after stamp duty | +0.38% | +0.38% | ₹18 | |
| 5 years60 instalments | ₹6,00,000 | ₹7,07,976₹7,07,940 after stamp duty | +6.61% | +6.61% | ₹30 | |
| 10 years120 instalments | ₹12,00,000 | ₹21,94,230₹21,94,179 after stamp duty | +11.65% | +11.65% | ₹38 | |
| Since Jun 2011184 instalments | ₹18,40,000 | ₹48,00,369₹48,00,318 after stamp duty | +11.60% | +11.60% | ₹38 |
From the Regular Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Rolling returns
Per cent a year, every window from 17 Jun 2011 to 23 Oct 2026
Lowest to highestAverage
LowestLowest rolling return. The worst yearly return of any window of this length in the fund's history, one window starting on each day it priced.AverageAverage rolling return. The average of the yearly returns of every window of this length in the fund's history.HighestHighest rolling return. The best yearly return of any window of this length in the fund's history.Ended higherWindows that ended higher. The share of all the windows of this length in which the NAV ended above where it started.
1 year3,532 windows−27.9%+13.8%+94.4%80.0%
3 years3,040 windows−5.8%+13.6%+32.1%98.6%
5 years2,551 windows−3.4%+13.0%+27.3%99.3%
10 years1,320 windows+9.7%+12.9%+15.3%100.0%
Every 10-year window ended higher than it started.From the Regular Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Union Flexi Cap Fund expense ratio and exit load
Per cent of the money invested, a year. Each month shows its last day filed; the parts were redefined from Apr 2026.
- Regular over directDirect and regular plan cost gap. The regular plan's expense ratio less the direct plan's: what buying through a distributor costs each year, since both plans own the same portfolio.
- 1.04 ptsA year, on 18 Oct 2026
- Direct, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 1.52%Over the last 30 days filed
- Regular, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 2.56%Over the last 30 days filed
Total expense ratio, month by month
- Regular plan
- Direct plan
Direct plan highest 2.05%, Jan 2021.Direct plan lowest 0.83%, Jul 2024.
What the expense ratio is made of
| Part | Direct | Regular |
|---|---|---|
| Base expense ratioBase expense ratio. The part of the expense ratio that pays the fund house and the distributor, before brokerage, transaction costs, levies and GST. | 0.84% | 1.72% |
| Brokerage | 0.15% | 0.15% |
| Transaction costs | 0.01% | 0.01% |
| Statutory levies | 0.50% | 0.66% |
Per cent of assets a year, filed for 18 Oct 2026. The parts add up to that day's total.
Exit load, in the fund house's words
1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter.
Buying and selling
- Lump-sum purchases
- Accepted
- Minimum investmentMinimum investment. The smallest amount the plan accepts for a first purchase.
- ₹1,000
- Minimum top-up
- ₹1,000
- Minimum redemption
- ₹1,000
- SIP
- Accepted
- SIP instalments, at least
- 6 instalments for all frequencies
- STP, transfers to another fund
- Not accepted
- SWP, regular withdrawals
- Accepted
- Switches
- Accepted
- Lock-inLock-in. The time after each purchase during which those units cannot be sold.
- None
- SIP dates
- Daily (only business days) for Daily frequency, any date of the month for weekly, fortnightly and monthly frequency
As listed for this plan on 24 Oct 2026.
Union Flexi Cap Fund AUM
₹ crore, every plan of the fund together.
- Average assetsAverage assets under management. The money the fund managed, averaged over every day of the quarter, added up across its plans.
- ₹2,404 CrQuarter to Sep 2026
- In the direct plansShare of assets in the direct plans. The direct plans' average assets for the quarter as a percentage of the fund's total; the rest is in the regular plans, bought through distributors.
- 3.8%Of the quarter's average
Average assets by quarter, by plan
- Regular plans
- Direct plans
The latest quarter is the largest since the quarter to Jun 2011.
Assets at each month end
Highest ₹2,452 Cr, Aug 2026.Lowest ₹235 Cr, Feb 2019.
Union Flexi Cap Fund portfolio
Portfolio disclosed for 30 Sep 2026.
Holdings on 30 Sep 2026
| Large, mid and small cap. Companies ranked by average market value over six months: the first 100 are large cap, the next 150 mid cap, the rest small cap, by the list in force for the portfolio's month. | Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | Held since. The first month end of the fund's current run of holding this position; marked "or earlier" where that month is the fund's first portfolio on record or the first after a gap in its portfolios. | ||||
|---|---|---|---|---|---|---|
| ICICI BankBanks | Shares | Large cap5th | 6.32% | 146.71 | 11,10,000 | Aug 2021or earlier |
| HDFC BankBanks | Shares | Large cap2nd | 4.51% | 104.53 | 14,75,000 | Aug 2021or earlier |
| Axis BankBanks | Shares | Large cap15th | 3.65% | 84.59 | 6,90,000 | May 2024 |
| State Bank of IndiaBanks | Shares | Large cap4th | 3.35% | 77.72 | 8,10,000 | Aug 2021or earlier |
| Bharti AirtelTelecom - Services | Shares | Large cap3rd | 2.61% | 60.62 | 3,45,000 | Aug 2021or earlier |
| Divi's LaboratoriesPharmaceuticals & Biotechnology | Shares | Large cap50th | 2.28% | 52.96 | 57,000 | Jul 2026 |
| EternalRetailing | Shares | Large cap37th | 2.21% | 51.20 | 16,00,000 | Jul 2025 |
| Bajaj FinanceFinance | Shares | Large cap7th | 2.19% | 50.85 | 5,30,000 | Sep 2024 |
| Gabriel IndiaAuto Components | Shares | Small cap446th | 1.97% | 45.62 | 3,40,000 | Jul 2025 |
| Sai Life SciencesPharmaceuticals & Biotechnology | Shares | Small cap329th | 1.97% | 45.74 | 3,00,000 | May 2026 |
| Ujjivan Small Finance BankBanks | Shares | Small cap522nd | 1.92% | 44.55 | 66,00,000 | Oct 2025 |
| Shadowfax TechnologiesTransport Services | Shares | Small cap589th | 1.83% | 42.53 | 15,17,689 | Jul 2026 |
| Ajanta PharmaPharmaceuticals & Biotechnology | Shares | Mid cap236th | 1.75% | 40.70 | 1,12,404 | Dec 2025 |
| Cemindia ProjectsConstruction | Shares | Small cap472nd | 1.70% | 39.34 | 3,30,000 | Apr 2026 |
| TrentRetailing | Shares | Large cap60th | 1.70% | 39.32 | 1,50,000 | May 2024 |
Weight is per cent of the fund's net assets; value in ₹ crore.
Cash and receivables on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | ||
|---|---|---|
| TREPS | 5.09% | 118.07 |
| Net Receivable / Payable | −0.22% | −5.38 |
Weight is per cent of the fund's net assets; value in ₹ crore.
- Largest holdingLargest holding. The share of the fund in its single largest position, cash and futures not counted as positions.
- 6.32%ICICI Bank
- Top 5 holdingsTop 5 holdings. The share of the fund held in its five largest positions.
- 20.44%
- Top 10 holdingsTop 10 holdings. The share of the fund held in its ten largest positions.
- 31.06%
- Effective holdingsEffective number of holdings. The number of equal-sized positions that would be as concentrated as the fund's actual weights.
- 48.1Taken over 95.13% of the fund
Asset allocation
Asset allocation. What the fund owns, by kind of asset, each as a share of its net assets; futures and options are shown beside it, not in it, since they are contracts rather than assets bought.- Indian shares95.02%
- Bonds and bills0.11%
- Cash and receivables4.87%
Per cent of the fund's net assets.
Large, mid and small cap
Large, mid and small cap. Companies ranked by average market value over six months: the first 100 are large cap, the next 150 mid cap, the rest small cap, by the list in force for the portfolio's month.- Large cap54.40%Category 53.86%
- Mid cap13.17%Category 20.36%
- Small cap27.73%Category 24.06%
Per cent of the fund's Indian shares. By the list for the six months to Jun 2026. Shares not on the list: 4.47% of the fund. Category is the average of 47 Flexi Cap funds.
Sector allocation
Sector weight. The fund's shares grouped by the business each company is in, less the futures sold on them, each group as a share of the fund's net assets.17sectors
- Financial Services31.88%Category 27.83%
- Healthcare12.86%Category 9.56%
- Information Technology6.98%Category 4.76%
- Automobile And Auto Components6.50%Category 8.98%
- Capital Goods5.87%Category 8.85%
- Services4.90%Category 2.68%
- Consumer Services3.91%Category 5.16%
- Construction3.26%Category 2.23%
- Fast Moving Consumer Goods3.20%Category 4.15%
- Chemicals2.88%Category 2.59%
- Consumer Durables2.66%Category 3.60%
- Telecommunication2.61%Category 2.94%
- Oil Gas & Consumable Fuels1.97%Category 3.17%
- Power1.95%Category 2.10%
- Metals & Mining1.51%Category 2.60%
- Realty1.37%Category 0.93%
- Textiles0.71%Category 0.76%
Per cent of the fund's net assets, less the futures sold on its shares, Sep 2026. Category is the average of 47 Flexi Cap funds. Category average. The sector's weight, less the futures sold on it, averaged over the 47 Flexi Cap funds that disclosed a portfolio for Sep 2026. A fund holding none of the sector counts as 0.
Sector allocation month by month
| 13 months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Financial Services15 companies | 31.88% | 31.80% | 32.46% | 30.64% | 25.58% | 30.83% | 31.41% | 33.59% | 33.04% | 33.55% | 34.11% | 32.74% | |
| Healthcare9 companies | 12.86% | 12.19% | 12.64% | 10.07% | 9.30% | 5.56% | 6.62% | 5.06% | 4.57% | 4.50% | 4.43% | 4.31% | |
| Information Technology8 companies | 6.98% | 6.25% | 6.24% | 4.64% | 5.27% | 4.83% | 6.20% | 6.92% | 8.85% | 8.37% | 8.36% | 7.62% | |
| Automobile And Auto Components5 companies | 6.50% | 8.56% | 7.92% | 8.44% | 7.27% | 8.25% | 7.73% | 8.54% | 9.17% | 8.14% | 7.62% | 8.07% | |
| Capital Goods7 companies | 5.87% | 7.15% | 6.50% | 7.58% | 10.77% | 9.32% | 10.16% | 9.08% | 6.80% | 5.85% | 7.56% | 7.39% | |
| Services4 companies | 4.90% | 4.66% | 3.71% | 4.66% | 1.98% | 1.78% | 1.39% | 0.87% | 0.84% | 0.89% | 1.21% | 1.25% | |
| Consumer Services2 companies | 3.91% | 5.25% | 5.24% | 4.33% | 3.08% | 3.76% | 2.70% | 3.12% | 4.25% | 4.39% | 4.42% | 5.19% | |
| Construction3 companies | 3.26% | 2.14% | 2.04% | 3.41% | 3.87% | 3.70% | 3.24% | 4.97% | 4.79% | 4.00% | 3.04% | 2.59% | |
| Fast Moving Consumer Goods4 companies | 3.20% | 2.89% | 3.35% | 4.70% | 5.89% | 4.01% | 3.66% | 3.44% | 3.52% | 4.81% | 4.68% | 3.87% | |
| Chemicals3 companies | 2.88% | 3.78% | 3.94% | 3.96% | 3.66% | 3.74% | 3.75% | 2.20% | 1.52% | 2.10% | 2.09% | 2.88% | |
| Consumer Durables3 companies | 2.66% | 2.68% | 2.36% | 1.77% | 1.46% | 2.47% | 2.38% | 2.29% | 2.07% | 2.24% | 2.34% | 2.28% | |
| Telecommunication1 company | 2.61% | 2.55% | 2.50% | 2.14% | 2.84% | 3.45% | 3.60% | 3.36% | 3.73% | 4.21% | 4.18% | 3.62% |
Per cent of the fund's net assets, less the futures sold on its shares, at each month end, Oct 2025 to Sep 2026; the line runs from Sep 2025.
Bought and sold
Sep 2026 against Aug 2026, position by position.
Positions changed, month by month
- New
- Added
- Trimmed
- Sold out
- New positionsNew positions. Holdings in this month's portfolio that were not in the month before.
- 64.23% of the fund
- Sold outSold out. Holdings in last month's portfolio that are gone from this one, other than a bond or deposit repaid on its due date.
- 42.81% of the fund before
- MaturedMatured. Bonds and deposits whose repayment date fell between the two portfolios, so they were repaid rather than sold. One sold in its last days reads the same.
- 1
- Added toAdded to. Holdings with more units than the month before. Where the fund states no units, a weight that rose by more than a tenth.
- 4
- TrimmedTrimmed. Holdings with fewer units than the month before. Where the fund states no units, a weight that fell by more than a tenth.
- 12
- UnchangedUnchanged. Holdings with the same number of units as the month before. Their weight can still move with the price.
- 53
- Traded at leastTraded at least. The smaller of the weight bought in new positions and the weight sold out of old ones, cash left out: the least the fund must have bought and sold in the month.
- 2.81%
- Weight that movedWeight that moved. Half the sum of every position's change in weight between the two month ends, new and sold positions included; price moves alone raise it.
- 9.73%
Changes in Sep 2026
| What changed. New: not held the month before. Added or trimmed: more or fewer units than the month before, or, where no units are stated, a weight that moved by more than a tenth. Sold out: held the month before, gone now. Matured: a bond or deposit whose repayment date fell between the two portfolios, so it was repaid rather than sold (one sold in its last days reads the same). | Change in weight. The holding's weight this month less its weight the month before, in percentage points; a price move alone changes it. | ||||
|---|---|---|---|---|---|
| HDFC Life Insurance Company | New | 1.24% | 0.00% | +1.24 pts | +5,50,000 |
| Ather Energy | Trimmed | 1.11% | 2.30% | −1.19 pts | −1,48,000 |
| Engineers India | New | 1.07% | 0.00% | +1.07 pts | +8,00,000 |
| One 97 Communications | Trimmed | 1.09% | 2.10% | −1.01 pts | −1,50,000 |
| National Stock Exchange of India | New | 0.89% | 0.00% | +0.89 pts | +1,17,306 |
| FSN E-Commerce Ventures | Sold out | – | 0.87% | −0.87 pts | −6,10,000 |
| Solar Industries India | Sold out | – | 0.82% | −0.82 pts | −10,000 |
| HDFC Bank | Added | 4.51% | 3.76% | +0.75 pts | +1,75,000 |
| Max Financial Services | Sold out | – | 0.64% | −0.64 pts | −1,00,000 |
| Cyient | New | 0.59% | 0.00% | +0.59 pts | +1,25,000 |
| Maruti Suzuki India | Trimmed | 0.72% | 1.31% | −0.59 pts | −9,711 |
| Data Patterns (India) | Trimmed | 0.55% | 1.05% | −0.50 pts | −27,000 |
| Polycab India | Trimmed | 0.69% | 1.19% | −0.50 pts | −11,000 |
| Swiggy | Sold out | – | 0.48% | −0.48 pts | −4,18,000 |
| Cholamandalam Investment and Finance Company | Trimmed | 1.61% | 2.01% | −0.40 pts | −35,000 |
Weights are per cent of the fund's net assets; a change in weight is in percentage points.
Holdings month by month
| Holding | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 ICICI Bank | 4.41%Cut | 4.09%Cut | 3.97% | 3.91%Cut | 3.93% | 3.89% | 3.69% | 4.39%Added | 6.05%Added | 6.63%Added | 6.58% | 6.32% |
 HDFC Bank | 7.65% | 7.10%Cut | 7.02% | 6.24%Cut | 5.41%Cut | 4.26%Cut | 4.07% | 3.94% | 4.91%Added | 4.55% | 3.76%Cut | 4.51%Added |
 Axis Bank | 0.81% | 0.84% | 0.84% | 1.87%Added | 1.86% | 1.77% | 2.30%Added | 2.73%Added | 3.85%Added | 3.94%Added | 3.66%Cut | 3.65% |
 State Bank of India | 2.49%Added | 3.01%Added | 3.03% | 3.44% | 4.56%Added | 4.20% | 4.49%Added | 2.55%Cut | 3.16%Added | 3.46%Added | 3.50% | 3.35% |
 Bharti Airtel | 3.62% | 4.18%Added | 4.21% | 3.73%Cut | 3.36%Cut | 3.60% | 3.45% | 2.84%Cut | 2.14%Cut | 2.50%Added | 2.55%Added | 2.61% |
 Divi's Laboratories | – | – | – | – | – | – | – | – | – | 1.73%Bought again | 1.99% | 2.28%Added |
 Eternal | 1.88% | 1.78% | 1.77%Added | 1.80% | 1.38%Cut | 0.99%Cut | 1.94%Added | 1.26%Cut | 1.78%Added | 2.01% | 2.14% | 2.21% |
 Bajaj Finance | 2.42%Added | 2.41% | 2.30% | 1.48%Cut | 1.57% | 1.08%Cut | 1.51%Added | 1.47% | 1.56% | 2.52%Added | 2.28% | 2.19% |
 Gabriel India | 1.32% | 1.07% | 1.05% | 1.01% | 1.06% | 1.08%Added | 1.52%Added | 1.63% | 1.77% | 2.04% | 1.99% | 1.97% |
 Sai Life Sciences | – | – | – | – | – | – | – | 0.56%Bought | 1.56%Added | 1.64% | 1.79% | 1.97% |
 Ujjivan Small Finance Bank | 0.99%Bought | 1.49%Added | 1.46% | 1.86% | 1.63% | 1.60% | 1.64% | 1.57% | 1.64% | 1.97% | 1.86% | 1.92% |
 Shadowfax Technologies | – | – | – | – | – | – | – | – | – | 1.23%Bought | 1.60%Added | 1.83% |
 Ajanta Pharma | – | – | 0.74%Bought again | 0.77% | 0.82% | 0.86% | 0.79% | 1.46%Added | 1.67%Added | 1.62%Cut | 1.65% | 1.75% |
 Cemindia Projects | – | – | – | – | – | – | 0.36%Bought again | 1.22%Added | 0.81%Cut | 0.48%Cut | 1.65%Added | 1.70% |
 Trent | 0.49% | 0.44% | 0.45% | 0.41% | 0.70%Added | 0.67% | 0.76% | 1.25%Added | 1.75%Added | 1.88%Added | 1.76% | 1.70% |
Per cent of the fund's net assets at each month end, Oct 2025 to Sep 2026. Under it, the change on the fund's previous month. "After a gap" is a holding after a month with no portfolio on record, so when it was bought is not known; "Not filed" is one gone across such a gap.
Portfolio turnover, per cent of assets a year
- TurnoverPortfolio turnover. How much of the portfolio the fund bought or sold over the last year, as a share of its assets, as the fund house states it.
Highest 192.0% in Aug 2024
Risk ratios
NAV to 23 Oct 2026
Each bar runs from the lowest to the highest figure among the Regular plans of Flexi Cap funds (37 funds) over the same 3 years; the tick is their average and the dot this fund.
How much the NAV moves
Standard deviationStandard deviation. How far the fund's monthly returns spread around their average, stated as a yearly figure: the wider the spread, the more the NAV moves.15.22%
10.08%Lowest15.85%Average19.50%Highest
Downside deviationDownside deviation. Standard deviation counting only the months in which the fund lost money, stated as a yearly figure.10.38%
5.70%Lowest10.37%Average15.68%Highest
Sharpe ratioSharpe ratio. The monthly return above the 91-day Treasury bill yield, divided by its standard deviation and stated for a year: the extra return for each unit of movement in the NAV.0.26
−0.46Lowest0.33Average0.62Highest
Sortino ratioSortino ratio. The monthly return above the 91-day Treasury bill yield, divided by how far it fell below that yield and stated for a year: the extra return for each unit of movement on the way down.0.36
−0.54Lowest0.48Average0.98Highest
From the Regular Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Against BSE 500 TRI
BetaBeta. How much the fund's monthly return moved for each 1% move in its benchmark: 1 moves with it, below 1 moves less.0.94
0.59Lowest0.96Average1.11Highest
R-squaredR-squared. The share of the fund's monthly movement that its benchmark's movement explains, from 0 to 100.93.9
72.5Lowest90.4Average97.9Highest
CorrelationCorrelation. How closely the fund's monthly returns moved in step with its benchmark's, from minus 1 (always opposite) to 1 (always together).0.97
0.85Lowest0.95Average0.99Highest
Upside captureUpside capture. The fund's return in the months its benchmark rose, as a percentage of the benchmark's return in those months.95.3%
71.0%Lowest100.5%Average126.1%Highest
Downside captureDownside capture. The fund's return in the months its benchmark fell, as a percentage of the benchmark's fall in those months.86.8%
45.1%Lowest93.3%Average140.0%Highest
Information ratioInformation ratio. The fund's return above its benchmark, divided by how much that difference varied, as stated by the fund house.To 30 Sep 2026−0.03
Largest falls
| Largest over | FallLargest fall. The biggest drop in NAV from a high to the low that followed, before the NAV went back above that high. | High on | Low on | Back at the highBack at the high. The first day the NAV closed at or above the high it had fallen from. |
|---|---|---|---|---|
| 1 year | −14.45% | 29 Oct 2025 | 30 Mar 2026 | 3 Aug 2026 |
| 3 years | −17.69% | 24 Sep 2024 | 28 Feb 2025 | 3 Aug 2026 |
| 5 years | −19.33% | 17 Jan 2022 | 20 Jun 2022 | 7 Jun 2023 |
| 10 years and since Jun 2011 | −35.43% | 19 Feb 2020 | 23 Mar 2020 | 8 Oct 2020 |
Risk level by month
| Months | FundRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month. | BenchmarkBenchmark's risk level. The riskometer level of the fund's benchmark index for the same month, on the same six-step scale as the fund's own. |
|---|---|---|
| Oct 2021 to Aug 202659 months | Very High | Very HighBSE 500 TRI |
The riskometer at each month end, the fund's and its benchmark's. A month with none on record is left out.
Union Flexi Cap Fund managers
Managers now
| Manager | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | Portfolio changed after the handover. How much of the portfolio was different three months after the manager took over: half the sum of every holding's change in weight, with each side's holdings scaled to add up to 100 so a move into cash does not count. | Portfolio changed before the handover. The same measure over the three months before the manager took over, since portfolios change anyway. | Assets the manager runs. The latest monthly size of every fund the manager runs now, added up; a fund run with others counts in full for each of its managers, and the line under it counts only the funds they run alone. | ||
|---|---|---|---|---|---|---|---|---|
| Sanjay BembalkarCo-manage | Jan 2023 | +12.32%a year | – | – | 29.0% | 4.7% | 11 | ₹10,216 Cr |
| Vinod MalviyaCo-manage | Nov 2024 | +1.75%a year | – | – | 23.6% | 27.5% | 9 | ₹7,042 Cr |
Returns are the regular plan's growth NAV, from the day each took over to the latest NAV, beside the benchmark over the same days.
Other funds they run
| Fund | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | ||
|---|---|---|---|---|---|
| Union Multicap FundSanjay Bembalkar | Dec 2022 | +15.74%a year | +14.01% | +1.73 pts | ₹1,516 Cr |
| Union Innovation & Opportunities FundSanjay Bembalkar | Sep 2023 | +15.37%a year | +9.07% | +6.31 pts | ₹1,307 Cr |
| Union Balanced Advantage FundSanjay Bembalkar | Jan 2023 | +7.54%a year | – | – | ₹1,158 Cr |
| Union Multi Asset Allocation FundSanjay Bembalkar | Sep 2024 | +8.18%a year | – | – | ₹989 Cr |
| Union ELSS Tax Saver FundSanjay Bembalkar | Jun 2021 | +11.19%a year | – | – | ₹821 Cr |
| Union Aggressive Hybrid FundSanjay Bembalkar | Jan 2023 | +10.58%a year | – | – | ₹727 Cr |
| Union Active Momentum FundSanjay Bembalkar | Dec 2024 | −1.33%a year | +0.65% | −1.98 pts | ₹543 Cr |
| Union Largecap FundSanjay Bembalkar | Jun 2021 | +7.97%a year | – | – | ₹408 Cr |
| Union Consumption FundSanjay Bembalkar | Dec 2025 | −4.20%over 294 days | −8.97% | +4.77 pts | ₹314 Cr |
| Union Equity Savings FundSanjay Bembalkar | Jan 2023 | +6.88%a year | – | – | ₹114 Cr |
Up to ten funds a manager, largest first. Returns are the regular plan's.
Portfolio overlap
Funds holding the most of the same securities, by weight.
Closest funds in the category
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | Shared holdings. The number of securities both funds hold, cash and futures left out. | |
|---|---|---|
| Mahindra Manulife Flexi Cap FundMahindra Manulife Mutual Fund | 43.42% | 29 |
| PGIM India Flexi Cap FundPGIM India Mutual Fund | 41.93% | 33 |
| Canara Robeco Flexi Cap FundCanara Robeco Mutual Fund | 41.88% | 29 |
| Nippon India Flexi Cap FundNippon India Mutual Fund | 40.11% | 28 |
| Edelweiss Flexi Cap FundEdelweiss Mutual Fund | 39.67% | 36 |
| Mirae Asset Flexi Cap FundMirae Asset Mutual Fund | 39.22% | 30 |
| Helios Flexi Cap FundHelios Mutual Fund | 37.99% | 27 |
| ITI Flexi Cap FundITI Mutual Fund | 36.44% | 28 |
| JM Flexi Cap FundJM Financial Mutual Fund | 35.90% | 26 |
| WhiteOak Capital Flexi Cap FundWhiteOak Capital Mutual Fund | 34.32% | 34 |
Portfolios for Sep 2026. Overlap is per cent of the portfolio the two funds hold in common.
Overlap with the fund house's other funds
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | |
|---|---|
| Union ELSS Tax Saver FundUnion Mutual Fund | 54.68% |
| Union Large & Midcap FundUnion Mutual Fund | 50.35% |
| Union Largecap FundUnion Mutual Fund | 44.77% |
| Union Value FundUnion Mutual Fund | 43.44% |
| Union Business Cycle FundUnion Mutual Fund | 40.68% |
| Union Multicap FundUnion Mutual Fund | 40.44% |
| Union Focused FundUnion Mutual Fund | 33.31% |
| Union Midcap FundUnion Mutual Fund | 29.62% |
| Union Consumption FundUnion Mutual Fund | 23.21% |
| Union Innovation & Opportunities FundUnion Mutual Fund | 22.98% |
As the fund house states it, for Sep 2026.
Union Flexi Cap Fund dividend history
IDCW (income distribution cum capital withdrawal), once called a dividend: rupees per unit, paid to holders on the record date and taken out of the NAV.
Paid per unit, the latest payouts
- Paid per unitIDCW payout. Rupees paid out per unit to holders on the record date; the money comes out of the fund, so the plan's NAV falls by the same amount.
Largest ₹3.80 a unit, Jun 2026.
Every payout
| IDCW payout. Rupees paid out per unit to holders on the record date; the money comes out of the fund, so the plan's NAV falls by the same amount. | IDCW yield. A payout as a share of the plan's NAV on the record date, before the NAV fell by the amount paid. | NAV before | NAV after | |
|---|---|---|---|---|
| 19 Jun 2026 | ₹3.80 | 11.76% | ₹32.3000 | ₹28.6400 |
| 5 Feb 2019 | ₹0.885409 | 7.01% | ₹12.6300 | ₹11.7400 |
| 22 Mar 2018 | ₹1.00 | 7.43% | ₹13.4600 | ₹12.3100 |
| 28 Sep 2017 | ₹1.00 | 7.09% | ₹14.1000 | ₹13.2400 |
| 20 Dec 2016 | ₹1.00 | 7.81% | ₹12.8100 | ₹11.8000 |
| 22 Dec 2015 | ₹1.00 | 7.31% | ₹13.6800 | ₹12.7900 |
| 25 Aug 2014 | ₹1.00 | 6.76% | ₹14.8000 | ₹13.7600 |
All 7 payouts since 25 Aug 2014.
Changes to the fund
Newest first.
2026
- 1 AprExpenseExpense ratio stated under the new rules: a base ratio, with brokerage, levies and GST on top
Fund details
Objective
The investment objective of the Scheme is to achieve long-term capital appreciation by investing substantially in a portfolio consisting of equity and equity related securities across market capitalisation. However, there can be no assurance that the investment objective of the scheme will be achieved.
Asset allocation
- Equity & Equity related instruments: 65%- 100% of net assets, Money Market Instruments, Other Liquid Instruments and other assets as permitted by SEBI: 0%- 35% of net assets, Units issued by InvITs, 0% to 10% of net assets. Please refer the Scheme Information Document for complete details.
Type of scheme
An open-ended dynamic equity scheme investing across large cap, mid cap, small cap stocks.
- BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back.
- BSE 500 Index (TRI)
- Risk level at launchRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Very High Risk
- New fund offer
- 20 May 2011 to 3 Jun 2011
- Units first allotted
- 10 Jun 2011
- Open for sale again
- 17 Jun 2011
- Price at the offer
- ₹10 a unit
- Minimum at the offer
- ₹1,000
Plans and codes
| Plan | AMFI code | ISIN | ISIN, reinvestment | MUTF_IN | First NAV |
|---|---|---|---|---|---|
| Direct Growth | 119292 | INF582M01633 | UNIO_FLEX_CAP_H01FBY | 2 Jan 2013 | |
| Regular Growth | 115270 | INF582M01104 | UNIO_FLEX_CAP_K7IHSC | 17 Jun 2011 | |
| Direct IDCW | 119293 | INF582M01658 | INF582M01641 | UNIO_FLEX_CAP_GYN50N | 2 Jan 2013 |
| Regular IDCW | 115290 | INF582M01120 | INF582M01112 | UNIO_FLEX_CAP_1OYIM4D | 17 Jun 2011 |
This fund
- Scheme information document (opens in a new tab)The fund's objective, terms, costs and risks in full
Factsheet
- September 2026 (opens in a new tab)Union Mutual Fund, Sep 2026
Statement of additional information
- SAI Union Mutual Fund (opens in a new tab)Union Mutual Fund, Oct 2026
Annual report
- Debt including Fixed Maturity Plan (FMP) Abridged Report - Annual Report - FY 2025-26 (opens in a new tab)Union Mutual Fund, Mar 2026
- Annual Report - FY 2025-26 (opens in a new tab)Union Mutual Fund, Mar 2026
Riskometer disclosure
- Disclosure Of Risk-O-Meter Levels FY 2025-26 (opens in a new tab)Union Mutual Fund, Mar 2026
Portfolio overlap disclosure
- Portfolio Overlap - 30Sep2026 (opens in a new tab)Union Mutual Fund, Sep 2026