Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
Union Gilt Fund - Regular Plan - Half-yearly IDCW Option
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 1/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 41/100 · Weak
How this score is calculated
- Star rating (35%)1/5
- 3Y CAGR (30%)4.98%
- Expense ratio (20%)0.65%
- AUM (15%)₹81 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Union Mutual Fund · Debt · Gilt
₹12.39
AUM: ₹81 Cr
NAV updated 11 days ago
Plan
Regular
Option
Idcw
Risk
Moderate to High
Expense Ratio
0.65%
Exit Load
Nil
Fund Manager
Anindya Sarkar
Inception
Aug 2022
Benchmark
CRISIL Dynamic Gilt Index
Sharpe Ratio
-1.58
Std Dev (1Y)
5.86%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-2.38%
3m
+0.52%
6m
+1.56%
1y
+1.13%
3y
+4.98%
5y
—
10y
—
since inception
+3.99%
TopFund's Take on Union Gilt Fund - Regular Plan - Half-yearly IDCW Option
Union Gilt Fund - Regular Plan - Half-yearly IDCW Option lags behind most of its peers in the Gilt category, currently carrying a 1-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 41/100.
Cost: At 0.65%, the expense ratio runs 33% above the Gilt category average of 0.49%. 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 -1.58 — 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 5.86% is on the lower side for a Gilt fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
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 - Regular Plan - Half-yearly IDCW Option
The current NAV (Net Asset Value) of Union Gilt Fund - Regular Plan - Half-yearly IDCW Option is ₹12.39. NAV is updated every business day after market close by AMFI.
1Y: 1.13% · 3Y CAGR: 4.98%
The expense ratio of Union Gilt Fund - Regular Plan - Half-yearly IDCW Option is 0.65% per annum. This is the annual fee charged by the fund to manage your investment.
Union Gilt Fund - Regular Plan - Half-yearly IDCW Option is managed by Anindya Sarkar at Union Mutual Fund.
Union Gilt Fund - Regular Plan - Half-yearly IDCW Option is classified as a Moderate to High risk fund. It is suitable for investors with a moderate risk appetite.
Union Gilt Fund - Regular Plan - Half-yearly IDCW Option is a Gilt fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Union Gilt Fund - Regular 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 - Regular Plan - Half-yearly IDCW Option is ₹81 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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