Union Gilt Fund
Union Mutual Fund · Gilt · Direct plan, growth option
NAV (₹), 2 Oct 2026
12.3565
1-day change
-0.14%
1Y return
0.0%
3Y CAGR
4.9%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 17 Aug 2022 to 1 Oct 2026
Returns vs Gilt median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.7% | -0.5% |
| 3 months | -2.2% | -0.8% |
| 6 months | 4.0% | 3.8% |
| Year to date | 0.0% | 1.9% |
| 1 year | 0.0% | 2.3% |
| 3 years (CAGR) | 4.9% | 6.2% |
| 5 years (CAGR) | n/a | 5.6% |
| 7 years (CAGR) | n/a | 6.1% |
| 10 years (CAGR) | n/a | 6.8% |
| Since first NAV (CAGR) | 5.1% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.0% | 7.5% |
| 3Y rolling median | 6.0% | 7.5% |
| 3Y rolling worst | 4.4% | 4.1% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 7.7% |
| 5Y rolling worst | n/a | 5.3% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 5.2% | 3.9% |
| Sharpe ratio | -0.30 | -0.06 |
| Sortino ratio | -0.38 | -0.08 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −6.5% | −8.0% |
| Maximum drawdown, last 10Y | n/a | −4.9% |
| Maximum drawdown, last 5Y | n/a | −3.6% |
| Current drawdown | −2.6% | −1.6% |
| Recovery time of worst fall | 89 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.0% | n/a | – |
| 2025 | 3.5% | n/a | – |
| 2024 | 9.3% | n/a | – |
| 2023 | 7.3% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,732 | 1.1% |
| 3 years | ₹3,60,000 | ₹3,75,770 | 2.8% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: Union Mutual Fund
Category: Gilt
Plan / option: Direct · Growth
AMFI scheme code: 150407
ISIN: INF582M01HW2
First NAV in MFIC data: 17 Aug 2022
History: 4.1 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Union Dynamic Term Fund | Dynamic Bond | 0.99 | 5.0% |
| Aditya Birla Sun Life Gilt Fund | Gilt | 0.99 | 5.5% |
| LIC MF Gilt Fund | Gilt | 0.98 | 5.5% |
| DSP Gilt Fund | Gilt | 0.98 | 6.7% |
| HDFC Gilt Fund | Gilt | 0.98 | 6.2% |
| Nippon India Gilt Fund | Gilt | 0.97 | 6.3% |
Questions about Union Gilt Fund
- What is the latest NAV of Union Gilt Fund?
- The NAV of the Direct plan (growth option) was ₹12.3565 on 2 Oct 2026, as published by AMFI.
- Which category is Union Gilt Fund in?
- It is classified as Gilt in AMFI's daily NAV file. MFIC compares it with 24 Gilt schemes (Direct plans).
- What returns has Union Gilt Fund delivered?
- Over one year the NAV changed by 0.0%. The 3-year CAGR is 4.9% (category median 6.2%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 6.0%, the lowest was 4.4%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Union Gilt Fund's NAV?
- The largest peak-to-trough fall in its available history was 6.5%.
- How volatile is Union Gilt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 5.2%, which is above the Gilt category median of 3.9%.
- What would a monthly SIP in Union Gilt Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,75,770 on 2 Oct 2026, an annualised return (XIRR) of 2.8%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 0.0% and the Regular plan's by -0.5%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.