Union Mutual Fund offers one of India's most trusted and diversified investment platforms, with 154 active schemes spanning Equity, Debt, Hybrid categories - making it a strong fit for retirement-focused investors at every stage of their journey. The...
Union Mutual Fund offers one of India's most trusted and diversified investment platforms, with 154 active schemes spanning Equity, Debt, Hybrid categories - making it a strong fit for retirement-focused investors at every stage of their journey. The Union Liquid Fund Direct-Growth leads the fund house with the highest AUM at ₹5,755.60 Cr, a testament to the scale of investor confidence it commands. For those building a retirement corpus, Union Small Cap Fund Direct-Growth stands out with 5-year returns of 19.22% and a long-term track record of 17.37% over 10 years - well-suited for wealth preservation goals. The Union Small Cap Fund Direct-Growth, with AUM of ₹5,755.60 Cr and 10-year returns of 17.37%, is specifically designed for post-retirement income needs. With an average expense ratio of 1.20% across all schemes, Union Mutual Fund balances cost efficiency with consistent performance - a key consideration for long-term retirement savers.
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The core objective of
Union Mutual Fund
is to provide professionally managed investment avenues tailored to help investors achieve their financial goals.
By offering a comprehensive suite of
Equity, Debt, Hybrid
schemes, the fund house focuses on optimizing the risk-reward ratio to deliver consistent long-term capital appreciation and wealth creation.
Union Mutual Fund
features a diverse lineup of
154
active schemes spanning equity, debt, hybrid, and index fund categories.
This broad selection allows investors to easily align their choices with their individual risk tolerances and financial timelines.
The flagship scheme commanding the largest market share for the fund house is
Union Liquid Fund Direct-Growth,
which leads with Assets Under Management (AUM) of
₹5,755.60 Cr.
This serves as a strong indicator of sustained investor trust and market participation.
For short-term financial horizons of up to a year, the top-performing schemes from
Union Mutual Fund
based on historical returns include:
Union Small Cap Fund Direct-Growth
: Delivered
9.49%
returns over a 3-month period.
Union Gold ETF-Growth
: Achieved
22.80%
returns over a 6-month horizon.
Union Gold ETF-Growth
: Recorded
61.25%
returns over a 1-year timeline.
For investment horizons spanning 2 to 5 years, the highest-performing mid-term schemes within the
Union Mutual Fund
portfolio are:
Union Small Cap Fund Direct-Growth
: Generated
12.14%
returns over a 2-year period.
Union Small Cap Fund Direct-Growth
: Posted
21.18%
returns over a 3-year horizon.
Union Small Cap Fund Direct-Growth
: Registered
19.22%
returns over a 5-year period.
For long-term wealth accumulation over a 7 to 20-year horizon, the top-performing funds from
Union Mutual Fund
include:
Union Small Cap Fund Direct-Growth
: Delivered
22.75%
returns over 7 years.
Union Small Cap Fund Direct-Growth
: Achieved
17.37%
returns over a 10-year horizon.
Across the active lineup of
Union Mutual Fund,
the cost structure varies significantly depending on the scheme category:
Highest Expense Ratio:
Union Business Cycle Fund Regular-Growth
features an expense ratio of
2.58%.
Lowest Expense Ratio:
Union Overnight Fund Direct-Growth
offers a lower expense ratio of
0.06%.
Estimated breakdown of Monthly expenses
Feel free to adjust as you wish
Current household spend would be used to estimate the monthly expense post retirement..
Understanding the calculations
Children's education
Did you know that IIM Ahmedabad fees has increased from 15.5 L in 2015
to 27.5 L in 2025 - 5.4% annualised change!
We have assumed 6% increase in fees every year
Children's wedding
The big Fat Indian wedding is constantly evolving with newer themes and
a shift towards more experiential weddings
We have assumed 10% increase in wedding expense every year
Travel the world
International getaways are getting common but they don't come cheap!
We have assumed 6% inflation rate on travel
House
Real estate has been a key interest area for many investors which has
led to sharp rise in prices in the recent times
We have assumed 8% annual increase in real estate prices
Emergency funds
Cost of medical treatment and healthcare services is rising at a rapid
pace with advancement in medical technology
We have assumed 12% annual increase for any medical emergencies
Others
Did you know a Honda city costed 8 Lakhs in 2002 is now priced at 18 L
(~4% annualised change)!
We have assumed a 5% annual inflation on these spends, you may want to
buy a new car or plan a holiday etc.
Inflation
Inflation is how prices of goods and services rise over time, meaning your money buys less than before.
Simply put, things get more expensive each year
Change the inflation rate if you want
5 %
2%8%
India's inflation trend for past few years
Your savings amount
₹
These savings will become
On retirement @7% growth rate
/month invested for next
years @12% CAGR would yield
Your current savings saved for next years @ % would yield
