Union Business Cycle Fund

Sectoral / ThematicEquity SEBI-regulated

NAV (Direct-Growth)

₹12.1300

As of 3 Jul 2026 · AMFI

AUM

₹511.53 Cr

Expense ratio

1.03%

1Y returns

+6.18%

3Y CAGR

—

5Y CAGR

—

Std deviation 3Y

—

In plain English

Union Business Cycle Fund is a Sectoral / Thematic scheme from Union. The portfolio is ~96% in equities. Worst historical drawdown: -20% in Feb 2025 — ongoing. Wrong fit if you need this money in less than 7 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

Showing Direct · Growth · INF582M01JQ0

NAV (Direct-Growth)

₹12.1300

Last 1Y

+5.75%

Jul 25Min ₹10.31 · Max ₹12.14 · 244 ptsJul 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Feb 2025 — ongoing

-19.9%

Peak ₹12.16 on 23 Sept 2024 → trough ₹9.74 on 28 Feb 2025 (5 months down).

Not yet recovered

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

3 / 5

Watch a few items. Read the signal detail before investing.

Expense ratio
1.03% — above the typical 1% for equity.
AUM size
₹512 Cr.
Sector concentration
Top 3 sectors = 68.6% — fairly concentrated.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	+0.09%	+0.61%n=443	83/ 147
1M	+5.45%	+7.16%n=443	37/ 138
3M	+16.41%	+8.51%n=430	52/ 138
6M	+3.39%	+0.25%n=421	46/ 131
YTD	-0.86%	+0.78%n=428	64/ 135
1Y	+8.75%	+7.70%n=397	60/ 118
2Y	+5.73%	+6.68%n=322	47/ 73

Portfolio composition

Asset allocation

Equity95.76%
Cash4.21%

By market cap

Large cap41.35%
Mid cap25.16%
Small cap15.05%
Others18.44%

Concentration

Holdings

Avg market cap

₹1.01 L Cr

Top 10 stocks

33.01%

Top 5 stocks

19.95%

Top 3 sectors

68.62%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
ICICI Bank Ltd
—6.93%
1
ICICI Bank Ltd
—4.57%
2
Reliance Industries Ltd
—4.17%
2
Axis Bank Ltd
—4.09%
3
Treps
—3.65%
3
Treps
—3.62%
4
State Bank of India
—3.28%
5
Axis Bank Ltd
—3.25%
6
Bharat Electronics Ltd
—3.22%
4
Bharat Electronics Ltd
—3.12%
7
Bharti Airtel Ltd
—3.11%
8
UltraTech Cement Ltd
—3.05%
5
Cummins India Ltd
—2.94%
6
Bharat Heavy Electricals Ltd
—2.88%
9
Shriram Finance Ltd
—2.85%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio30.7928.47+2.32
P/B ratio3.504.25-0.75
Price / Sales2.843.21-0.37
Price / Cash Flow19.5519.97-0.42
Dividend yield0.64%1.23%-0.59
Return on equity (ROE)17.79%18.47%-0.68

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
15.39—————
Sharpe ratio
Risk-adjusted return — higher is better.
0.06—————
Sortino ratio
Like Sharpe but only counts downside volatility.
0.08—————
Beta
1 = moves with the market. <1 = less volatile.
——————

Peers in Sectoral / Thematic

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN

Click a plan to see its NAV and chart above. Direct plans have lower expense ratios than Regular — same portfolio, more of the return stays with you.

NEW

See your SIP through Indian market history

Pick a fund and a start year — get a 60-second cinematic replay of every crash, boom, and headline with your money in it. Real NAV data, no “assumed 12%” lies.

Try Wealth Time Machine

AI · Free

Find what's really inside your funds

Upload your CAS PDF — get instant stock concentration, hidden fund overlap, sector risk, and 3 specific actions, written by AI in plain English.

Run Portfolio X-Ray