Union Aggressive Hybrid Fund
Union Mutual Fund · Aggressive Hybrid · Regular plan, growth option
NAV (₹), 1 Oct 2026
17.9800
1-day change
-0.50%
1Y return
0.1%
3Y CAGR
8.4%
5Y CAGR
7.3%
Max drawdown, 5Y
−15.5%
NAV history month-end NAV, ₹ · 28 Dec 2020 to 1 Oct 2026
Returns vs Aggressive Hybrid median (31 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -4.0% | -4.5% |
| 3 months | -2.1% | -3.3% |
| 6 months | 6.6% | 4.3% |
| Year to date | -2.5% | -4.8% |
| 1 year | 0.1% | -2.3% |
| 3 years (CAGR) | 8.4% | 8.7% |
| 5 years (CAGR) | 7.3% | 7.9% |
| 7 years (CAGR) | n/a | 11.7% |
| 10 years (CAGR) | n/a | 10.8% |
| Since first NAV (CAGR) | 10.6% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.7% | 9.5% |
| 3Y rolling median | 12.7% | 12.7% |
| 3Y rolling worst | 8.3% | -4.1% |
| 3Y periods positive | 100% | 98% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.8% | 12.5% |
| 5Y rolling worst | 7.3% | 1.4% |
| 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.) | 11.8% | 11.7% |
| Sharpe ratio | 0.23 | 0.25 |
| Sortino ratio | 0.32 | 0.35 |
| 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 | −15.5% | −31.6% |
| Maximum drawdown, last 10Y | n/a | −29.1% |
| Maximum drawdown, last 5Y | −15.5% | −15.1% |
| Current drawdown | −4.8% | −6.4% |
| Recovery time of worst fall | 355 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.82% a year and the Direct plan's 1.59%, a gap of 1.23%; over the last 3 years the Direct plan returned 1.29 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹25,73,264.
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 2.85% to 2.82% (AMFI TER disclosure)
- 26 Sep 2026: TER reduced from 2.86% to 2.85% (AMFI TER disclosure)
- 24 Sep 2026: TER increased from 2.85% to 2.86% (AMFI TER disclosure)
- 18 Sep 2026: TER reduced from 2.87% to 2.85% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 2.85% to 2.87% (AMFI TER disclosure)
- 11 Sep 2026: TER increased from 2.83% to 2.85% (AMFI TER disclosure)
- 4 Sep 2026: TER increased from 2.81% to 2.83% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Sanjay Bembalkar | comanage | 25 Jan 2023 |
| Vinod Malviya | comanage | 1 Nov 2024 |
| Parijat Agrawal | comanage | 18 Dec 2020 |
Objective: The investment objective of the Scheme is to achieve long term capital growth and generate income from a portfolio, predominantly of equity and equity related securities. The scheme will also invest in debt & money market instruments. However, there is no assurance that the Investment Objective of the Scheme will be achieved.
Stated asset allocation: Equity and Equity related instruments: 65% - 80% of net assets; Debt, Money Market Instruments and other assets as permitted by SEBI: 20%-35% of net assets; Units issued by InvITs: 0% to 10% of net assets. Please refer the Scheme Information Document for complete details.
Benchmark (tier 1): CRISIL Hybrid 35+65 Aggressive Index (TRI)# #CRISIL Benchmark Disclaimer: CRISIL Indices are the sole property of CRISIL Limited (CRISIL). CRISIL Indices shall not be copied, transmitted or distributed in any manner for any commercial use. CRISIL has taken due care and caution in computation of the Indices, based on the data obtained from sources, which it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or completeness of the Indices and is not responsible for any errors or for the results obtained from the use of the Indices. CRISIL especially states that it has no financial liability whatsoever to the users of CRISIL Indices.
Exit load: 1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter
Minimum application: ₹1,000
Allotment date: 18 Dec 2020
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), Regular plan | 2.82% | 2.19% |
| AUM, whole scheme (₹ crore) | 727 | 2,798 |
| 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) | 1.2% | -0.9% TRI |
| Return, 3 years (AMFI) | 8.6% | 8.1% TRI |
| Return, 5 years (AMFI) | 7.4% | 7.6% TRI |
| Month-ends above category median (3Y CAGR) | 0% | 52% median |
| Month-ends in category top quartile (3Y) | 0% | 16% median |
Official benchmark: CRISIL Hybrid 35+65 - Aggressive Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Aggressive Hybrid Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -2.5% | n/a | – |
| 2025 | 5.5% | n/a | – |
| 2024 | 14.5% | n/a | – |
| 2023 | 20.0% | n/a | – |
| 2022 | -0.7% | n/a | – |
| 2021 | 26.9% | 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 | ₹1,19,076 | -1.4% |
| 3 years | ₹3,60,000 | ₹3,79,950 | 3.5% |
| 5 years | ₹6,00,000 | ₹7,21,957 | 7.3% |
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: Aggressive Hybrid
Plan / option: Regular · Growth
AMFI scheme code: 148591
ISIN: INF582M01HC4
First NAV in MFIC data: 28 Dec 2020
History: 5.8 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 |
|---|---|---|---|
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.98 | n/a |
| Sundaram Aggressive Hybrid Fund (Formerly Known as Principal Hybrid Equity Fund) | Aggressive Hybrid | 0.98 | 6.9% |
| WhiteOak Capital Balanced Hybrid Fund | Balanced Hybrid | 0.98 | n/a |
| Canara Robeco Aggressive Hybrid Fund | Aggressive Hybrid | 0.98 | 8.5% |
| WhiteOak Capital Balanced Advantage Fund | Balanced Advantage | 0.98 | 9.3% |
| Mirae Asset Balanced Advantage Fund | Balanced Advantage | 0.98 | 8.1% |
Questions about Union Aggressive Hybrid Fund
- What is the latest NAV of Union Aggressive Hybrid Fund?
- The NAV of the Regular plan (growth option) was ₹17.9800 on 1 Oct 2026, as published by AMFI.
- Which category is Union Aggressive Hybrid Fund in?
- It is classified as Aggressive Hybrid in AMFI's daily NAV file; a Aggressive Hybrid scheme holds 65% to 80% in equities and the rest mainly in debt. MFIC compares it with 31 Aggressive Hybrid schemes (Regular plans).
- What returns has Union Aggressive Hybrid Fund delivered?
- Over one year the NAV changed by 0.1%. The 3-year CAGR is 8.4% (category median 8.7%) and the 5-year CAGR is 7.3% (category median 7.9%). 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 12.7%, the lowest was 8.3%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Union Aggressive Hybrid Fund's NAV?
- The largest peak-to-trough fall in its available history was 15.5%; within the last five years it was 15.5% (category median 15.1%).
- How volatile is Union Aggressive Hybrid Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 11.8%, which is above the Aggressive Hybrid category median of 11.7%.
- What would a monthly SIP in Union Aggressive Hybrid Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,21,957 on 1 Oct 2026, an annualised return (XIRR) of 7.3%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Union Aggressive Hybrid Fund?
- The total expense ratio of the Regular plan is 2.82% a year, as disclosed to AMFI (median of Aggressive Hybrid Regular plans: 2.19%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Union Aggressive Hybrid Fund?
- Assets under management of the whole scheme were ₹727 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Union Aggressive Hybrid Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Union Aggressive Hybrid Fund and how has it compared?
- Its official benchmark is the CRISIL Hybrid 35+65 - Aggressive Index. Over 3 years AMFI reports a return of 8.6% for this plan against 8.1% for the benchmark total return index; over 5 years 7.4% against 7.6%. Past performance does not indicate future results.
- How often has Union Aggressive Hybrid Fund beaten its category?
- At 0% of the 34 month-ends compared over the last 10 years, its 3-year return was above the median of Aggressive Hybrid schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- Who manages Union Aggressive Hybrid Fund?
- According to its Scheme Summary Document, Union Aggressive Hybrid Fund is managed by Sanjay Bembalkar (since 25 Jan 2023), Vinod Malviya (since 1 Nov 2024), Parijat Agrawal (since 18 Dec 2020).
- What is the exit load of Union Aggressive Hybrid Fund?
- As stated in its scheme documents: 1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Union Aggressive Hybrid Fund?
- The minimum application amount is ₹1,000. SIP details: SIP - Rs. 100 for daily SIP, Rs. 500 for weekly SIP, Rs. 500 for fortnightly SIP, Rs. 500 for monthly SIP, 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 1.2% and the Regular plan's by 0.1%. 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.
Follow Union Aggressive Hybrid Fund by email
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.
Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular 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.