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Union Gilt Fund - Direct Plan - Half-yearly IDCW Option
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 49/100 · Weak
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)3.97%
- Expense ratio (20%)0.32%
- AUM (15%)₹172 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Union Mutual Fund · Commodities · Gold
₹17.25
AUM: ₹171 Cr
NAV updated 11 days ago
Plan
Direct
Option
Idcw
Expense Ratio
0.32%
Exit Load
Exit load of 1%, if redeemed within 1 year.
Fund Manager
Vinod Malviya
Inception
Feb 2025
Benchmark
Domestic Price of Gold
Sharpe Ratio
-1.5
Std Dev (1Y)
5.82%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.11%
3m
+0.82%
6m
-1.26%
1y
+34.9%
3y
+3.97%
5y
—
10y
—
since inception
+4.51%
TopFund's Take on Union Gilt Fund - Direct Plan - Half-yearly IDCW Option
Union Gilt Fund - Direct Plan - Half-yearly IDCW Option lags behind most of its peers in the Gold category, currently carrying a 2-star rating. Returns have been soft relative to what the category has offered — worth checking if this is a temporary phase or a longer pattern. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 49/100.
Cost: At 0.32%, the expense ratio runs 68% above the Gold category average of 0.19%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.5 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 5.82% is on the lower side for a Gold fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Commodities fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about Union Gilt Fund - Direct Plan - Half-yearly IDCW Option
The current NAV (Net Asset Value) of Union Gilt Fund - Direct Plan - Half-yearly IDCW Option is ₹17.25. NAV is updated every business day after market close by AMFI.
1Y: 34.9% · 3Y CAGR: 3.97%
The expense ratio of Union Gilt Fund - Direct Plan - Half-yearly IDCW Option is 0.32% per annum. This is the annual fee charged by the fund to manage your investment.
Union Gilt Fund - Direct Plan - Half-yearly IDCW Option is managed by Vinod Malviya at Union Mutual Fund.
Union Gilt Fund - Direct Plan - Half-yearly IDCW Option is classified as a Gold risk fund. It is suitable for investors with a moderate risk appetite.
Union Gilt Fund - Direct Plan - Half-yearly IDCW Option is a Gold fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Union Gilt Fund - Direct Plan - Half-yearly IDCW Option with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of Union Gilt Fund - Direct Plan - Half-yearly IDCW Option is ₹172 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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