Union Multi Asset Allocation Fund
Union Mutual Fund · Multi Asset Allocation · Direct plan, growth option
NAV (₹), 1 Oct 2026
12.0700
1-day change
-0.49%
1Y return
6.8%
3Y CAGR
n/a
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 13 Sep 2024 to 1 Oct 2026
Returns vs Multi Asset Allocation median (37 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -3.7% | -3.9% |
| 3 months | -2.2% | -1.8% |
| 6 months | 3.7% | 4.0% |
| Year to date | -0.2% | 0.1% |
| 1 year | 6.8% | 6.4% |
| 3 years (CAGR) | n/a | 14.0% |
| 5 years (CAGR) | n/a | 12.7% |
| 7 years (CAGR) | n/a | 13.8% |
| 10 years (CAGR) | n/a | 11.6% |
| Since first NAV (CAGR) | 9.2% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 16.7% | 12.5% |
| 3Y rolling median | n/a | 17.0% |
| 3Y rolling worst | n/a | 4.4% |
| 3Y periods positive | n/a | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 13.8% |
| 5Y rolling worst | n/a | 1.9% |
| 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.) | n/a | 9.9% |
| Sharpe ratio | n/a | 0.76 |
| Sortino ratio | n/a | 1.10 |
| 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 | −12.4% | −12.0% |
| Maximum drawdown, last 10Y | n/a | −27.2% |
| Maximum drawdown, last 5Y | n/a | −10.5% |
| Current drawdown | −6.3% | −5.8% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
22,421.95 −0.88%
NSE close, 1 Oct 2026
- P/E 19.2: higher than 0% of days since 2023 (median 22.1)
- 1Y −9.0% · 3Y +5.4% p.a. · 5Y +5.9% p.a. (index fund NAV, after costs)
- −14.8% from its 52-week high
1,48,138.00 +0.17%
IBJA close, 1 Oct 2026 · ₹ per 10 g (999)
- 1Y +25.6% · 3Y +35.9% p.a. · 5Y +25.2% p.a. (index fund NAV, after costs)
- −15.0% from its 52-week high (proxy NAV)
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.41% a year and the Direct plan's 1.29%, a gap of 1.12%. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹24,52,503.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER reduced from 1.30% to 1.29% (AMFI TER disclosure)
- 28 Sep 2026: TER increased from 1.29% to 1.30% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Sanjay Bembalkar | Co-manage | 10 Sep 2024 |
| Vinod Malviya | Co-manage | 1 Nov 2024 |
| Anindya Sarkar | Co-manage | 10 Sep 2024 |
Objective: The Scheme seeks to generate long-term capital appreciation by investing in a diversified portfolio of Equity and Equity Related Instruments, Debt and Money Market Instruments, units of Gold Exchange Traded Funds (ETFs) and / or Silver ETFs and units of REITs & InvITs as per the asset allocation pattern of the Scheme. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.
Stated asset allocation: Equity and Equity Related Instruments : 65% - 80% of total assets, Debt and Money Market Instruments including units of debt oriented mutual fund schemes: 10% - 25% of total assets, Units of Gold / Silver /Commodity ETFs, ETCDs and any other mode of investment in commodities as permitted by SEBI from time to time: 10% - 25% of total assets and Units issued by InvITs: 0% - 10% of total assets. Please refer the Scheme Information Document for more details.
Benchmark (tier 1): 65% Nifty 50 TRI + 20% Nifty Composite Debt Index + 10% Domestic Prices of Gold + 5% Domestic Prices of Silver NIFTY Benchmark Disclaimer: The Product(s) are not sponsored, endorsed, sold or promoted by NSE INDICES LIMITED (formerly known as India Index Services & Products Limited ("IISL")). NSE INDICES LIMITED does not make any representation or warranty, express or implied, to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s) particularly or the ability of the NIFTY 50 Index to track general stock market performance in India. The relationship of NSE INDICES LIMITED to the Issuer is only in respect of the licensing of the Indices and certain trademarks and trade names associated with such Indices which is determined, composed and calculated by NSE INDICES LIMITED without regard to the Issuer or the Product(s). NSE INDICES LIMITED does not have any obligation to take the needs of the Issuer or the owners of the Product(s) into consideration in determining, composing or calculating the NIFTY 50 Index. NSE INDICES LIMITED is not responsible for or has participated in the determination of the timing of, prices at, or quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into cash. NSE INDICES LIMITED has no obligation or liability in connection with the administration, marketing or trading of the Product(s). NSE INDICES LIMITED do not guarantee the accuracy and/or the completeness of the NIFTY 50 Index or any data included therein and NSE INDICES LIMITED shall have not have any responsibility or liability for any errors, omissions, or interruptions therein. NSE INDICES LIMITED does not make any warranty, express or implied, as to results to be obtained by the Issuer, owners of the product(s), or any other person or entity from the use of the NIFTY 50 Index or any data included therein. NSE INDICES LIMITED makes no express or implied warranties, and expressly disclaim all warranties of merchantability or fitness for a particular purpose or use with respect to the index or any data included therein. Without limiting any of the foregoing, NSE INDICES LIMITED expressly disclaim any and all liability for any claims ,damages or losses arising out of or related to the Products, including any and all direct, special, punitive, indirect, or consequential damages (including lost profits), even if notified of the possibility of such damages.
Exit load: 1% if units are redeemed/switched out on or before completion of 15 days from the date of allotment. Nil if redeemed or switched out after completion of 15 days from the date of allotment of units.
Minimum application: ₹1,000
Allotment date: 10 Sep 2024
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 1.29% | 0.85% |
| AUM, whole scheme (₹ crore) | 989 | 1,913 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 8.5% | 1.4% TRI |
Official benchmark: 65% Nifty 50 TRI + 20% Nifty Composite Debt Index + 10% Domestic Prices of Gold + 5% Domestic Prices of Silver (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Multi Asset Allocation Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -0.2% | n/a | – |
| 2025 | 20.4% | 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 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,015 | 0.0% |
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: Multi Asset Allocation
Plan / option: Direct · Growth
AMFI scheme code: 152787
ISIN: INF582M01JY4
First NAV in MFIC data: 13 Sep 2024
History: 2.0 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Axis Multi Asset Allocation Fund | Multi Asset Allocation | 0.98 | 13.0% |
| Aditya Birla Sun Life Multi Asset Allocation Fund | Multi Asset Allocation | 0.98 | 15.1% |
| Mirae Asset Multi Asset Allocation Fund | Multi Asset Allocation | 0.97 | n/a |
| SBI MULTI ASSET ALLOCATION FUND | Multi Asset Allocation | 0.97 | 14.2% |
| Nippon India Multi Asset Allocation Fund | Multi Asset Allocation | 0.96 | 18.1% |
| Mahindra Manulife Multi Asset Allocation Fund | Multi Asset Allocation | 0.96 | n/a |
Questions about Union Multi Asset Allocation Fund
- What is the latest NAV of Union Multi Asset Allocation Fund?
- The NAV of the Direct plan (growth option) was ₹12.0700 on 1 Oct 2026, as published by AMFI.
- Which category is Union Multi Asset Allocation Fund in?
- It is classified as Multi Asset Allocation in AMFI's daily NAV file. MFIC compares it with 37 Multi Asset Allocation schemes (Direct plans).
- What was the largest fall in Union Multi Asset Allocation Fund's NAV?
- The largest peak-to-trough fall in its available history was 12.4%.
- What is the expense ratio (TER) of Union Multi Asset Allocation Fund?
- The total expense ratio of the Direct plan is 1.29% a year, as disclosed to AMFI (median of Multi Asset Allocation Direct plans: 0.85%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Union Multi Asset Allocation Fund?
- Assets under management of the whole scheme were ₹989 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Union Multi Asset Allocation Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- Who manages Union Multi Asset Allocation Fund?
- According to its Scheme Summary Document, Union Multi Asset Allocation Fund is managed by Sanjay Bembalkar (since 10 Sep 2024), Vinod Malviya (since 1 Nov 2024), Anindya Sarkar (since 10 Sep 2024).
- What is the exit load of Union Multi Asset Allocation Fund?
- As stated in its scheme documents: 1% if units are redeemed/switched out on or before completion of 15 days from the date of allotment. Nil if redeemed or switched out after completion of 15 days from the date of allotment of units. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Union Multi Asset Allocation Fund?
- The minimum application amount is ₹1,000. SIP details: SIP - Rs. 100 for daily frequency, Rs. 500 for weekly, fortnightly and monthly frequency, SWP - Rs. 500 for all frequencies , STP - Rs. 100 for all frequencies.
- 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 6.8% and the Regular plan's by 5.6%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 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.