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Union Multi Asset Allocation Fund - Regular Plan - IDCW

NAVs of 6 Nov 2026

Union Mutual Fund · Hybrid fund · Regular plan · IDCW

Multi Asset AllocationRegular · IDCWRisk: Very High
NAV · 5 Nov 2026
₹11.2100 ▲ 1.45%
Union Mutual Fund
Fund size₹1,004 crJuly - September 2026
1-month range₹10.59 – 11.21
1 year-1.75%
3 years–a year
5 years–a year

What the fund does

The Scheme seeks to generate long-term capital appreciation by investing in a diversified portfolio of Equity and Equity Related Instruments, Debt and Money Market Instruments, units of Gold Exchange Traded Funds (ETFs) and / or Silver ETFs and units of REITs & InvITs as per the asset allocation pattern of the Scheme. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.

Benchmark65% Nifty 50 TRI + 20% Nifty Composite Debt Index + 10% Domestic Prices of Gold + 5% Domestic Prices of Silver NIFTY Benchmark Disclaimer: The Product(s) are not sponsored, endorsed, sold or promoted by NSE INDICES LIMITED (formerly known as India Index Services & Products Limited ("IISL")). NSE INDICES LIMITED does not make any representation or warranty, express or implied, to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s) particularly or the ability of the NIFTY 50 Index to track general stock market performance in India. The relationship of NSE INDICES LIMITED to the Issuer is only in respect of the licensing of the Indices and certain trademarks and trade names associated with such Indices which is determined, composed and calculated by NSE INDICES LIMITED without regard to the Issuer or the Product(s). NSE INDICES LIMITED does not have any obligation to take the needs of the Issuer or the owners of the Product(s) into consideration in determining, composing or calculating the NIFTY 50 Index. NSE INDICES LIMITED is not responsible for or has participated in the determination of the timing of, prices at, or quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into cash. NSE INDICES LIMITED has no obligation or liability in connection with the administration, marketing or trading of the Product(s). NSE INDICES LIMITED do not guarantee the accuracy and/or the completeness of the NIFTY 50 Index or any data included therein and NSE INDICES LIMITED shall have not have any responsibility or liability for any errors, omissions, or interruptions therein. NSE INDICES LIMITED does not make any warranty, express or implied, as to results to be obtained by the Issuer, owners of the product(s), or any other person or entity from the use of the NIFTY 50 Index or any data included therein. NSE INDICES LIMITED makes no express or implied warranties, and expressly disclaim all warranties of merchantability or fitness for a particular purpose or use with respect to the index or any data included therein. Without limiting any of the foregoing, NSE INDICES LIMITED expressly disclaim any and all liability for any claims ,damages or losses arising out of or related to the Products, including any and all direct, special, punitive, indirect, or consequential damages (including lost profits), even if notified of the possibility of such damages.
Launched10 Sept 2024
Fund houseUnion Mutual Fund
Fund managersFM 1 - Mr. Sanjay BembalkarFM 2 - Mr. Vinod MalviyaFM 3 - Mr. Anindya Sarkar

NAV history

111212 2026-08-112026-08-242026-09-042026-09-182026-10-012026-10-152026-10-29

Returns

1 week
+3.60%avg 3.3%
1 month
+1.45%avg 1.4%
3 months
-9.01%avg -1.9%
6 months
-7.51%avg -0.3%
This year
-5.80%avg 1.3%
1 year
-1.75%avg 4.7%

Bars: this plan; the thin mark is the Multi Asset Allocation average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024+0.6
2025-2.0-3.7+5.8+2.5+2.2+2.3-0.5-0.4+3.5+4.1+1.5+2.5
2026+3.5+0.4-9.3+6.5-0.5+1.2+0.9+1.7-11.2-1.8+4.1

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 31 Oct 2026

Stocks held7791 lines in all
Top 10 stocks26.5%of the fund
Short positions-2.1%sold through derivatives
Net equity67.4%long stocks and derivatives minus shorts

Where the money is

Equity 69.5%Debt 5.9%Money market 2.8%Cash & others 21.8%Short -2.1%

Sectors (stocks held)

Banks
18.2%
Construction
4.0%
Pharmaceuticals & Biotechnology
3.2%
IT - Software
3.1%
Auto Components
3.1%
Telecom - Services
3.1%
Retailing
2.6%
Petroleum Products
2.4%

Credit quality (debt and money market)

AAA
5.9%
A1+
2.5%
Sovereign
0.3%

Changes since 30 Sept 2026

Share of fund31 Oct 202630 Sept 2026Change
Stocks held69.5%67.1%+2.46
Short positions-2.1%-2.1%+0.02
Debt5.9%8.4%-2.43
Money market2.8%3.0%-0.22
Cash & others21.8%21.6%+0.19
Top 10 stocks26.5%24.6%+1.90
Number of stocks77770
New stocks 1
  • Honasa Consumer Ltd.0.55%
Stocks sold off 1
  • Patanjali Foods Ltd.was 0.37%
Bought more 5
  • Cemindia Projects Ltd.+0.75
  • HDFC Bank Ltd.+0.59
  • Bharti Airtel Ltd.+0.38
  • ICICI Bank Ltd.+0.35
  • Infosys Ltd.+0.27

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 77

HoldingSector / type% of fund
ICICI Bank Ltd.
INE090A01021		Banks4.84%
HDFC Bank Ltd.
INE040A01034		Banks4.78%
Bharti Airtel Ltd.
INE397D01024		Telecom - Services3.05%
Axis Bank Ltd.
INE238A01034		Banks2.49%
Reliance Industries Ltd.
INE002A01018		Petroleum Products2.44%
State Bank of India
INE062A01020		Banks2.39%
Kotak Mahindra Bank Ltd.
INE237A01036		Banks1.69%
Bajaj Finance Ltd.
INE296A01032		Finance1.68%
Larsen & Toubro Ltd.
INE018A01030		Construction1.61%
Infosys Ltd.
INE009A01021		IT - Software1.56%
Cemindia Projects Ltd.
INE686A01026		Construction1.33%
Eternal Ltd.
INE758T01015		Retailing1.27%
Gabriel India Ltd.
INE524A01029		Auto Components1.25%
Karur Vysya Bank Ltd.
INE036D01028		Banks1.15%
Engineers India Ltd.
INE510A01028		Construction1.09%
Maruti Suzuki India Ltd.
INE585B01010		Automobiles1.08%
Ather Energy Ltd.
INE0LEZ01016		Automobiles1.05%
Dhoot Transmission Ltd.
INE01NH01023		Auto Components1.05%
LG Electronics India Ltd.
INE324D01010		Consumer Durables1.05%
Clean Max Enviro Energy Solutions Ltd.
INE647U01026		Power1.02%
Tata Consumer Products Ltd.
INE192A01025		Agricultural Food & other Products0.96%
Divi's Laboratories Ltd.
INE361B01024		Pharmaceuticals & Biotechnology0.96%
Dr. Lal Path labs Ltd.
INE600L01024		Healthcare Services0.95%
Inventurus Knowledge Solutions Ltd.
INE115Q01022		IT - Services0.91%
Tata Motors Ltd.
INE1TAE01010		Agricultural, Commercial & Construction Vehicles0.86%
Kirloskar Oil Engines Ltd.
INE146L01010		Industrial Products0.86%
Ajanta Pharma Ltd.
INE031B01049		Pharmaceuticals & Biotechnology0.81%
Shadowfax Technologies Ltd.
INE12UN01015		Transport Services0.81%
ZF Commercial Vehicle Control Systems India Ltd.
INE342J01019		Auto Components0.80%
Ultratech Cement Ltd.
INE481G01011		Cement & Cement Products0.74%
ICICI Prudential Asset Management Company Ltd.
INE346A01027		Capital Markets0.73%
JSW Infrastructure Ltd.
INE880J01026		Transport Infrastructure0.72%
Trent Ltd.
INE849A01020		Retailing0.70%
Tata Consultancy Services Ltd.
INE467B01029		IT - Software0.70%
NTPC Ltd.
INE733E01010		Power0.68%
GE Vernova T&D India Ltd.
INE200A01026		Electrical Equipment0.66%
Billionbrains Garage Ventures Ltd.
INE0HOQ01053		Capital Markets0.63%
CG Power and Industrial Solutions Ltd.
INE067A01029		Electrical Equipment0.63%
JSW Energy Ltd.
INE121E01018		Power0.63%
FSN E-Commerce Ventures Ltd.
INE388Y01029		Retailing0.63%
Oil India Ltd.
INE274J01014		Oil0.61%
HDFC Life Insurance Company Ltd.
INE795G01014		Insurance0.60%
One 97 Communications Ltd.
INE982J01020		Financial Technology (Fintech)0.59%
Solar Industries India Ltd.
INE343H01029		Chemicals & Petrochemicals0.58%
The Phoenix Mills Ltd.
INE211B01039		Realty0.58%
Glaxosmithkline Pharmaceuticals Ltd.
INE159A01016		Pharmaceuticals & Biotechnology0.55%
Shiprocket Ltd.
INE0FOO01011		Transport Services0.55%
Aarti Industries Ltd.
INE769A01020		Chemicals & Petrochemicals0.55%
Honasa Consumer Ltd.
INE0J5401028		Personal Products0.55%
KRN Heat Exchanger and Refrigeration Ltd.
INE0Q3J01015		Industrial Products0.54%
Godrej Properties Ltd.
INE484J01027		Realty0.52%
Shriram Finance Ltd.
INE721A01047		Finance0.51%
Manipal Health Enterprises Ltd
INE459N01021		Healthcare Services0.50%
Bharat Heavy Electricals Ltd.
INE257A01026		Electrical Equipment0.50%
Amber Enterprises India Ltd.
INE371P01015		Consumer Durables0.50%
Delhivery Ltd.
INE148O01028		Transport Services0.50%
Bharat Electronics Ltd.
INE263A01024		Aerospace & Defense0.50%
Titan Company Ltd.
INE280A01028		Consumer Durables0.48%
Cyient Ltd.
INE136B01020		IT - Services0.47%
RBL Bank Ltd.
INE976G01028		Banks0.46%
Gokaldas Exports Ltd.
INE887G01027		Textiles & Apparels0.45%
Hindustan Unilever Ltd.
INE030A01027		Diversified FMCG0.45%
Nippon Life India Asset Management Ltd.
INE298J01013		Capital Markets0.44%
Oil & Natural Gas Corporation Ltd.
INE213A01029		Oil0.42%
Ujjivan Small Finance Bank Ltd.
INE551W01018		Banks0.41%
Pidilite Industries Ltd.
INE318A01026		Chemicals & Petrochemicals0.39%
E2E Networks Ltd.
INE255Z01027		IT - Services0.38%
LTM Ltd.
INE214T01019		IT - Software0.35%
Sai Life Sciences Ltd.
INE570L01029		Pharmaceuticals & Biotechnology0.35%
HCL Technologies Ltd.
INE860A01027		IT - Software0.33%
Sun Pharmaceutical Industries Ltd.
INE044A01036		Pharmaceuticals & Biotechnology0.33%
National Stock Exchange of India Ltd.
INE721I01024		Capital Markets0.30%
Greenply Industries Ltd.
INE461C01038		Consumer Durables0.30%
Jindal Steel Ltd.
INE749A01030		Ferrous Metals0.24%
Varun Beverages Ltd.
INE200M01039		Beverages0.17%
Wockhardt Ltd.
INE049B01025		Pharmaceuticals & Biotechnology0.16%
Persistent Systems Ltd.
INE262H01021		IT - Software0.16%

Short positions 5

HoldingSector / type% of fund
HDFC Bank Ltd. 23.11.2026Banks-0.60%
Bharti Airtel Ltd. 23.11.2026Telecom - Services-0.56%
Larsen & Toubro Ltd. 23.11.2026Construction-0.52%
ICICI Bank Ltd. 23.11.2026Banks-0.21%
Oil & Natural Gas Corporation Ltd. 23.11.2026Oil-0.19%

Derivatives, debt, money market and cash 9

HoldingSector / type% of fund
Union Gold ETF
INF582M01KS4		Capital Markets11.27%
TREPS–6.44%
ICICI Prudential Silver ETF
INF109KC1Y56		Capital Markets3.33%
National Bank for Agriculture and Rural Development**
INE261F08ET6		CRISIL AAA2.51%
Canara Bank
INE476A16H84		CRISIL A1+2.51%
REC Ltd.
INE020B08GF9		CRISIL AAA2.47%
Power Finance Corporation Ltd.**
INE134E08NE1		CRISIL AAA0.94%
Net Receivable / Payable–0.73%
91 Day Treasury Bills
IN002026X255		Sovereign0.29%

From the fund house's monthly portfolio (unionmf.com), as on 31 Oct 2026. Percentages are of the fund's net assets; short positions are negative. Published about ten days after each month ends.

Risk

Volatility15.7%yearly, from daily NAVs
Worst fall-16.42%29 Jan 2026 → 23 Oct 2026
RiskometerVery HighVery High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 13 Sept 2024).

Where it can invest (limits from the scheme document)

Equity and Equity Related Instruments
65–80%
of total assets, Debt and Money Market Instruments including units of debt oriented mutual fund schemes
10–25%
assets, Units of Gold / Silver /Commodity ETFs, ETCDs and any other mode of investment in commodities as permitted by SEBI from time to time
10–25%
of total assets and Units issued by InvITs
0–10%

The ranges the fund is allowed to hold, not what it holds today.

Fund details

Fund size (average AUM, July - September 2026)₹1,004 cr across all plans · this plan ₹0.97 cr
Fund houseUnion Mutual Fund
CategoryHybrid · Multi Asset Allocation
PlanRegular
OptionIDCW
Exit load1% if units are redeemed/switched out on or before completion of 15 days from the date of allotment. Nil if redeemed or switched out after completion of 15 days from the date of allotment of units.
Minimum investment₹1,000 · additional ₹1,000
Scheme code (AMFI)152785
ISININF582M01JV0
NAV date5 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Direct · Growth₹12.4000+7.17%
Direct · IDCW₹11.5200-0.43%
Regular · Growth₹12.1000+6.05%

Top Multi Asset Allocation funds (regular plans)

Fund1 year3 years (a year)
Quant Multi Asset Allocation Fund+10.34%+20.37%
Nippon India Multi Asset Allocation Fund+6.16%+17.14%
DSP Multi Asset Allocation Fund+7.65%+16.76%
Kotak Multi Asset Allocation Fund+7.73%+15.69%
WhiteOak Capital Multi Asset Allocation Fund+7.74%+15.34%
Aditya Birla Sun Life Multi Asset Allocation Fund+7.58%+15.22%
Axis Multi Asset Allocation Fund+5.51%+13.68%
UTI Multi Asset Allocation Fund+1.15%+13.65%

All Multi Asset Allocation funds ranked › · Compare with others ›

← All mutual funds

Information only, not investment advice.

What is the NAV of Union Multi Asset Allocation Fund - Regular Plan - IDCW today?

₹11.2100 as of 5 Nov 2026, from AMFI's official NAV data.

What are the returns of Union Multi Asset Allocation Fund - Regular Plan - IDCW?

1 year: -1.75%

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.