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Union Balanced Advantage Fund - Regular Plan - Growth Option is a hybrid scheme managed by Union Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 9.87%, with the bottom and top quartiles at 9.01% and 10.58% respectively. It has ranked in the top half of its category for 2 of the last 7 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 2.15% on assets of ₹1,241Cr. The fund is currently managed by Vishal Thakker, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 100% of its portfolio classified as of 2026-04-30.
| Holding | Sector |
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| Window | Min | P25 | Median |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| Scheme | AMC | AUM | TER | 3Y |
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| Bajaj Finance Limited | Financial Services | 2.07% |
| Punjab National Bank | Financial Services | 1.90% |
| Canara Bank | Financial Services | 1.29% |
| Shriram Finance Limited | Financial Services | 1.17% |
| Kotak Mahindra Bank Limited | Financial Services | 1.10% |
| Krishna Institute Of Medical Sciences Limited | Healthcare | 0.97% |
| REC Ltd. | Financial Services | 0.81% |
| Indian Railway Finance Corporation Ltd. | Financial Services | 0.78% |
| Bank Of Baroda | Financial Services | 0.76% |
| Clean Max Enviro Energy Solutions Ltd | Utilities | 0.61% |
| Tata Motors Limited | Consumer Cyclical | 0.61% |
| Power Finance Corporation Ltd. | Financial Services | 0.39% |
| Persistent Systems Ltd | Technology | 0.21% |
| LG Electronics India Limited | Technology | 0.13% |
| Sector | Holdings | Weight |
|---|---|---|
| Banks | 1 | 14.81% |
| Finance | 2 | 4.64% |
| Petroleum Products | 1 | 4.16% |
| Automobiles | 5 | 3.98% |
| Telecom - Services | 1 | 3.50% |
| IT - Software | 1 | 2.91% |
| Construction | 3 | 2.36% |
| Pharmaceuticals & Biotechnology | 4 | 2.35% |
| Power | 1 | 2.21% |
| Auto Components | 2 | 2.11% |
| Agricultural Food & other Products | 2 | 1.86% |
| Healthcare Services | 1 | 1.68% |
| Retailing | 2 | 1.66% |
| Electrical Equipment | 2 | 1.64% |
| Chemicals & Petrochemicals | 3 | 1.60% |
| Ferrous Metals | 2 | 1.52% |
| Cement & Cement Products | 2 | 1.44% |
| Insurance | 1 | 1.30% |
| Diversified FMCG | 1 | 1.14% |
| Aerospace & Defense | 1 | 1.08% |
| Consumer Durables | 1 | 1.02% |
| Capital Markets | 1 | 1.02% |
| Industrial Products | 1 | 1.00% |
| Realty | 2 | 0.96% |
| IT - Services | 1 | 0.95% |
| Oil | 2 | 0.87% |
| Household Products | 1 | 0.83% |
| Fertilizers & Agrochemicals | 1 | 0.72% |
| Transport Infrastructure | 1 | 0.62% |
| Agricultural Commercial & Construction Vehicles | 1 | 0.61% |
| Textiles & Apparels | 1 | 0.50% |
| Financial Technology (Fintech) | 1 | 0.44% |
| Leisure Services | 1 | 0.36% |
Active bets vs the average Hybrid fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -1.61% | 3.33% | 7.31% | 16.51% | 34.39% | 95.7% |
| 3Y | 7.41% | 9.01% | 9.87% | 10.58% | 14.28% | 100.0% |
| 5Y | 6.28% | 7.70% | 9.25% | 10.90% | 13.35% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 11.5% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Hybrid.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 4 data points.
| 5Y |
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| Star |
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