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Union Multicap Fund - Regular Plan - Growth Option is an equity scheme managed by Union Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 17.81%, with the bottom and top quartiles at 16.86% and 18.42% respectively. It has ranked in the top half of its category for 1 of the last 3 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 2.75% on assets of ₹1,329Cr. The fund is currently managed by Sanjay Bembalkar, appointed within the last year.
Lower is better.
This scheme classifies as Large-Growth on the 3x3 equity style box, with 81% of its portfolio classified as of 2026-05-29.
| Holding | Sector |
|---|
| Window | Min | P25 | Median |
|---|
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 |
|---|
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 |
|---|
| ICICI BANK LIMITED | Financial Services | 2.61% |
| HDFC BANK LIMITED | Financial Services | 2.30% |
| BHARAT ELECTRONICS LIMITED | Industrials | 2.28% |
| DATA PATTERNS (INDIA) LIMITED | Industrials | 2.18% |
| MAX FINANCIAL SERVICES LIMITED | Financial Services | 2.18% |
| CUMMINS INDIA LIMITED | Industrials | 2.14% |
| STATE BANK OF INDIA | Financial Services | 1.97% |
| BHARTI AIRTEL LIMITED | Communication Services | 1.96% |
| BHARAT HEAVY ELECTRICALS LIMITED | Industrials | 1.95% |
| LARSEN AND TOUBRO LIMITED | Industrials | 1.93% |
| S.J.S. ENTERPRISES LIMITED | Consumer Cyclical | 1.84% |
| AXIS BANK LIMITED | Financial Services | 1.82% |
| RELIANCE INDUSTRIES LIMITED | Energy | 1.75% |
| GABRIEL INDIA LIMITED | Consumer Cyclical | 1.73% |
| RADICO KHAITAN LIMITED | Consumer Defensive | 1.70% |
| SCHNEIDER ELECTRIC INFRASTRUCTURE LIMITED | Industrials | 1.70% |
| ULTRATECH CEMENT LIMITED | Basic Materials | 1.66% |
| SOLAR INDUSTRIES INDIA LIMITED | Basic Materials | 1.64% |
| UJJIVAN SMALL FINANCE BANK LIMITED | Financial Services | 1.64% |
| KSB Limited | Industrials | 1.59% |
| HITACHI ENERGY INDIA LIMITED | Industrials | 1.58% |
| TATA STEEL LIMITED | Basic Materials | 1.49% |
| THE PHOENIX MILLS LIMITED | Real Estate | 1.47% |
| NAVIN FLUORINE INTERNATIONAL LTD | Basic Materials | 1.45% |
| THE FEDERAL BANK LIMITED | Financial Services | 1.43% |
| Sector | Holdings | Weight |
|---|---|---|
| Financial Services | 15 | 29.39% |
| Capital Goods | — | 18.62% |
| Automobile and Auto Components | — | 10.94% |
| Healthcare | 4 | 5.48% |
| Fast Moving Consumer Goods | — | 4.31% |
| Information Technology | — | 3.88% |
| Metals & Mining | — | 3.68% |
| Chemicals | — | 3.09% |
| Construction | — | 2.90% |
| Telecommunication | — | 1.96% |
Active bets vs the average Equity 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 | -5.82% | 4.08% | 10.75% | 36.28% | 45.40% | 90.3% |
| 3Y | 15.26% | 16.86% | 17.81% | 18.42% | 19.87% | 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 21.5% 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: Equity.
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 = 2 data points.
| 5Y |
|---|
| Star |
|---|
| Kotak Multicap Fund-Regular Plan-Growth | Kotak Mahindra Mutual Fund | ₹25,769 Cr | 1.60% | +19.91% | — | 5★ |
| HSBC Multi Cap Fund - Regular - Growth | HSBC Mutual Fund | ₹5,500 Cr | 2.22% | +19.65% | — | 5★ |
| Bank of India Multi Cap Fund Regular Plan - Growth | Bank of India Mutual Fund | ₹1,074 Cr | 2.24% | +19.56% | — | 5★ |
| Axis Multicap Fund - Regular Plan - Growth | Axis Mutual Fund | ₹9,727 Cr | 2.29% | +19.03% | — | 5★ |
| Mahindra Manulife Multi Cap Fund - Regular Plan - Growth | Mahindra Manulife Mutual Fund | ₹6,439 Cr | 2.91% | +18.63% | +16.06% | 4★ |
| ITI Multi Cap Fund - Regular Plan - Growth Option | ITI Mutual Fund | ₹1,365 Cr | 2.44% | +18.16% | +11.67% | 4★ |
| LIC MF Multi Cap Fund-Regular Plan-Growth | LIC Mutual Fund | ₹1,849 Cr | 3.13% | +17.76% | — | 4★ |
| Baroda BNP Paribas MULTI CAP FUND - Regular Plan - Growth Option | Baroda BNP Paribas Mutual Fund | ₹3,219 Cr | 1.96% | +15.88% | +15.02% | 4★ |
| Aditya Birla Sun Life Multi-Cap Fund-Regular Growth | Aditya Birla Sun Life Mutual Fund | ₹6,641 Cr | 1.79% | +14.45% | +13.21% | 3★ |
| SBI Multicap Fund- Regular Plan- Growth Option | SBI Mutual Fund | ₹23,119 Cr | 1.62% | +14.20% | — | 3★ |