Union Balanced Advantage Fund - Regular Plan - Growth Option
Beginner-friendly💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Strong capital defense: downside capture of 51% limits losses during market corrections.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +5.51% | +5.51% | 0.00% |
| 3 Months | +1.35% | +1.29% | +0.06% |
| 6 Months | +5.24% | +5.25% | -0.01% |
| 1 Year | +2.08% | +2.38% | -0.30% |
| 3 Years CAGR | +8.33% | +9.06% | -0.73% |
| 5 Years CAGR | +6.85% | +7.86% | -1.01% |
| 7 Years CAGR | +9.53% | +9.53% | 0.00% |
| Since Inception | +8.76% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Union Balanced Advantage Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.89% | +1.91% | -0.02% |
| 2025 | +5.78% | +5.68% | +0.10% |
| 2024 | +10.02% | +12.82% | -2.80% |
| 2023 | +15.54% | +18.07% | -2.53% |
| 2022 | +2.53% | +2.58% | -0.05% |
| 2021 | +9.41% | +13.27% | -3.86% |
| 2020 | +21.98% | +13.64% | +8.34% |
| 2019 | +9.98% | +8.79% | +1.19% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -17.21% | +9.74% | +7.42% | +61.20% | 92.6% | 31.6% |
| 3-Year Rolling | +5.98% | +10.83% | +10.68% | +20.64% | 100.0% | 3.1% |
| 5-Year Rolling | +5.15% | +10.33% | +10.64% | +17.22% | 100.0% | 1.1% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-01-17 | 2020-03-23 | -23.8% | 2 months | 3 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and Equity related instruments* | 65%- 100% of net assets; * Out of which, Equity Derivatives: 0% - 45% of net assets; Debt, Money Market Instruments and other assets as permitted by SEBI: 0% - 35%. Please refer the Scheme Information Document for complete details. |
Investment Objective & Strategy
To achieve long term capital appreciation and generate income through an equity portfolio by using long equities, equity derivatives and arbitrage opportunities available. However, there is no assurance that the Investment Objective of the scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,202 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Balanced Advantage schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Balanced Advantage Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| BANK OF INDIA BALANCED ADVANTAGE FUND | 3.9 | +9.06% | 2.67% | 57.2% | Rs 183 cr | Compare → |
| LIC MF Balanced Advantage Fund | 3.4 | +7.75% | 2.91% | 53.3% | Rs 672 cr | Compare → |
| Invesco India Balanced Advantage Fund | 3.5 | +8.89% | 2.40% | 57.0% | Rs 952 cr | Compare → |
| Sundaram Dynamic Asset Allocation Fund | 3.4 | +7.64% | 2.54% | 60.8% | Rs 1,660 cr | Compare → |
| UTI Balanced Advantage Fund | 5.0 | +8.80% | 1.99% | 58.1% | Rs 3,041 cr | Compare → |
Frequently Asked Questions about Union Balanced Advantage Fund
What is the expense ratio of Union Balanced Advantage Fund?
Union Balanced Advantage Fund has a total expense ratio (TER) of 2.5% with a base expense ratio of 1.87%, compared to the Balanced Advantage category median of 2.40%.
Who manages Union Balanced Advantage Fund?
Union Balanced Advantage Fund is managed by Sanjay Bembalkar.
What are the historical returns of Union Balanced Advantage Fund?
Union Balanced Advantage Fund delivered a 3-year CAGR of 8.33% and a 5-year CAGR of 6.85%. Its 1-year return stands at +2.08%.
How large is Union Balanced Advantage Fund?
Union Balanced Advantage Fund manages assets of Rs 1,202 cr, placing it in the 'comfortable' size band relative to Balanced Advantage peers.
How is Union Balanced Advantage Fund scored on MFIQ?
Union Balanced Advantage Fund holds an MFIQ Score of 3.7/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Union Balanced Advantage Fund?
Union Balanced Advantage Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 8.82% with a maximum historical drawdown of -23.77%.