Best Union Mutual Funds in 2025
What are Union Mutual Fund funds?
Union Mutual Fund is a mutual fund Asset Management Company (AMC) that pools money from many different investors and invests them.
| Funds Included | All Fund Returns (3Y annualised) |
Top 5 fund Returns (3Y annualised) |
|---|---|---|
| 31 | 12.07% | 18.34% |
Trailing returns for Union Mutual Fund funds
These are average returns over the indicated period.
Monthly trailing returns:| Dec-2025 | Nov-2025 | Oct-2025 | Sep-2025 | Aug-2025 | Jul-2025 |
|---|---|---|---|---|---|
| -0.44% | 0.51% | 2.56% | 1.87% | -0.56% | -0.56% |
Quarterly trailing returns:
| 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 | 2024Q3 |
|---|---|---|---|---|---|
| 2.75% | 0.81% | 7.53% | -4.71% | -1.76% | 5.55% |
Yearly trailing returns:
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| 3.90% | 16.45% | 20.37% | 2.08% | 24.67% | 16.10% |
Fundwise SIP, Lumpsum and SWP returns
Rolling SIP returns (less than 1 year)
| Fund | Any 1M SIP | Any 3M SIP | Any 6M SIP |
|---|---|---|---|
| Union Childrens Fund | 20.37% | 17.99% | 19.16% |
| Union ELSS Tax Saver Fund | -6.43% | 6.35% | 8.53% |
| Union Retirement Fund | 2.19% | 10.66% | 10.34% |
| Union Midcap Fund | -12.17% | 2.59% | 7.17% |
| Union Corporate Bond Fund | 5.29% | 7.18% | 5.59% |
| Union Flexi Cap Fund | -8.3% | 4.25% | 5.83% |
| Union Money Market Fund | 6.46% | 6.2% | 6.13% |
| Union Low Duration Fund | 6.51% | 6.67% | 0% |
| Union Gold ETF Fund | 43.95% | 58.44% | 77.64% |
| Union Equity Savings Fund | 3.45% | 7.44% | 6.39% |
| Union Aggressive Hybrid Fund | 1.24% | 9.3% | 8.08% |
| Union Business Cycle Fund | 18.65% | 14.55% | 11.53% |
| Union Value Fund | -0.97% | 12.23% | 10.19% |
| Union Income Plus Arbitrage Active FOF Fund | 3.83% | 4.87% | 0% |
| Union Innovation Opportunities Fund | 14.7% | 31.64% | 26.95% |
| Union Multicap Fund | -12.78% | 8.24% | 11.53% |
| Union Multi Asset Allocation Fund | 16.7% | 21.68% | 23.68% |
| Union Overnight Fund | 5.51% | 5.49% | 5.48% |
| Union Arbitrage Fund | 6.86% | 6.41% | 6.1% |
| Union Focused Fund | -31.34% | -11.36% | -3.09% |
| Union Large Midcap Fund | -9.39% | 2.45% | 6.92% |
| Union Balanced Advantage Fund | 1.9% | 8.99% | 8.43% |
| Union Gold ETF Fund | 41.69% | 53.62% | 77.66% |
| Union Active Momentum Fund | 2.79% | 3.9% | 9.17% |
| Union Liquid Fund | 6.09% | 6.03% | 5.99% |
| Union Dynamic Bond Fund | -4.37% | 0.35% | -1.63% |
| Union Diversified Equity All Cap Active FOF Fund | 7.31% | 0% | 0% |
| Union Small Cap Fund | -23.04% | -5.78% | 5.1% |
| Union Gilt Fund | -8.28% | -2.64% | -3.89% |
| Union Largecap Fund | 0.0% | 10.88% | 9.21% |
| Union Short Duration Fund | 7.64% | 7.49% | 6.63% |
Note: Returns for less than one year are annualised. However, given the nature of the calculation, XIRR for such periods are not meaningful.
Rolling SIP returns (1 year or more):
| Fund | Any 1Y SIP | Any 3Y SIP | Any 5Y SIP |
|---|---|---|---|
| Union Childrens Fund | 9.38% | 0% | 0% |
| Union ELSS Tax Saver Fund | 13.59% | 13.46% | 16.58% |
| Union Retirement Fund | 16.2% | 16.17% | 0% |
| Union Midcap Fund | 14.07% | 19.31% | 19.57% |
| Union Corporate Bond Fund | 5.03% | 4.6% | 5.34% |
| Union Flexi Cap Fund | 13.3% | 13.82% | 16.7% |
| Union Money Market Fund | 7.1% | 7.27% | 0% |
| Union Low Duration Fund | 0% | 0% | 0% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Equity Savings Fund | 7.21% | 8.19% | 8.02% |
| Union Aggressive Hybrid Fund | 11.63% | 13.44% | 0% |
| Union Business Cycle Fund | 5.17% | 0% | 0% |
| Union Value Fund | 15.74% | 20.63% | 17.51% |
| Union Income Plus Arbitrage Active FOF Fund | 0% | 0% | 0% |
| Union Innovation Opportunities Fund | 11.39% | 0% | 0% |
| Union Multicap Fund | 18.63% | 0% | 0% |
| Union Multi Asset Allocation Fund | 23.51% | 0% | 0% |
| Union Overnight Fund | 3.38% | 6.26% | 5.99% |
| Union Arbitrage Fund | 6.34% | 7.28% | 6.84% |
| Union Focused Fund | 19.39% | 15.73% | 11.54% |
| Union Large Midcap Fund | 13.54% | 16.68% | 16.45% |
| Union Balanced Advantage Fund | 9.32% | 12.51% | 10.97% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Active Momentum Fund | 0% | 0% | 0% |
| Union Liquid Fund | 6.73% | 5.36% | 5.31% |
| Union Dynamic Bond Fund | 6.49% | 7.18% | 6.39% |
| Union Diversified Equity All Cap Active FOF Fund | 0% | 0% | 0% |
| Union Small Cap Fund | 11.16% | 17.6% | 21.36% |
| Union Gilt Fund | 6.72% | 5.07% | 0% |
| Union Largecap Fund | 10.49% | 14.33% | 14.26% |
| Union Short Duration Fund | 0% | 0% | 0% |
Rolling Lumpsum returns
| Fund | Any 1Y | Any 3Y | Any 5Y |
|---|---|---|---|
| Union Childrens Fund | 7.95% | 0% | 0% |
| Union ELSS Tax Saver Fund | 10.37% | 13.51% | 13.85% |
| Union Retirement Fund | 7.7% | 17.77% | 0% |
| Union Midcap Fund | 5.09% | 21.0% | 24.12% |
| Union Corporate Bond Fund | 5.05% | 5.82% | 5.76% |
| Union Flexi Cap Fund | 10.99% | 13.06% | 13.97% |
| Union Money Market Fund | 7.29% | 7.27% | 0% |
| Union Low Duration Fund | 0% | 0% | 0% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Equity Savings Fund | 7.52% | 8.5% | 8.19% |
| Union Aggressive Hybrid Fund | 7.13% | 13.76% | 0% |
| Union Business Cycle Fund | 0.38% | 0% | 0% |
| Union Value Fund | 10.68% | 19.66% | 20.43% |
| Union Income Plus Arbitrage Active FOF Fund | 0% | 0% | 0% |
| Union Innovation Opportunities Fund | 10.92% | 0% | 0% |
| Union Multicap Fund | 25.32% | 0% | 0% |
| Union Multi Asset Allocation Fund | 16.07% | 0% | 0% |
| Union Overnight Fund | 3.74% | 6.43% | 5.38% |
| Union Arbitrage Fund | 6.69% | 6.72% | 6.13% |
| Union Focused Fund | 14.68% | 21.89% | 15.56% |
| Union Large Midcap Fund | 9.85% | 20.12% | 19.12% |
| Union Balanced Advantage Fund | 8.28% | 13.13% | 10.6% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Active Momentum Fund | 0% | 0% | 0% |
| Union Liquid Fund | 6.75% | 5.71% | 5.86% |
| Union Dynamic Bond Fund | 6.45% | 6.95% | 7.0% |
| Union Diversified Equity All Cap Active FOF Fund | 0% | 0% | 0% |
| Union Small Cap Fund | 8.04% | 18.13% | 18.17% |
| Union Gilt Fund | 6.36% | 6.27% | 0% |
| Union Largecap Fund | 5.24% | 13.6% | 15.77% |
| Union Short Duration Fund | 0% | 0% | 0% |
Rolling SWP returns
| Fund | Any 1Y SWP | Any 3Y SWP | Any 5Y SWP |
|---|---|---|---|
| Union Childrens Fund | 8.06% | 0% | 0% |
| Union ELSS Tax Saver Fund | 10.92% | 14.69% | 11.12% |
| Union Retirement Fund | -0.26% | 19.83% | 0% |
| Union Midcap Fund | -2.09% | 23.07% | 30.95% |
| Union Corporate Bond Fund | 5.22% | 6.63% | 6.2% |
| Union Flexi Cap Fund | 10.35% | 14.8% | 11.94% |
| Union Money Market Fund | 7.27% | 7.24% | 0% |
| Union Low Duration Fund | 0% | 0% | 0% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Equity Savings Fund | 5.79% | 8.68% | 8.15% |
| Union Aggressive Hybrid Fund | 1.03% | 14.34% | 0% |
| Union Business Cycle Fund | -4.18% | 0% | 0% |
| Union Value Fund | 9.29% | 17.24% | 24.6% |
| Union Income Plus Arbitrage Active FOF Fund | 0% | 0% | 0% |
| Union Innovation Opportunities Fund | 31.92% | 0% | 0% |
| Union Multicap Fund | 29.49% | 0% | 0% |
| Union Multi Asset Allocation Fund | 8.03% | 0% | 0% |
| Union Overnight Fund | 3.72% | 6.61% | 4.7% |
| Union Arbitrage Fund | 6.98% | 7.81% | 5.32% |
| Union Focused Fund | 11.84% | 24.09% | 20.88% |
| Union Large Midcap Fund | 14.5% | 18.05% | 22.88% |
| Union Balanced Advantage Fund | 5.98% | 12.51% | 10.11% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Active Momentum Fund | 0% | 0% | 0% |
| Union Liquid Fund | 6.74% | 6.03% | 6.46% |
| Union Dynamic Bond Fund | 6.05% | 7.16% | 7.24% |
| Union Diversified Equity All Cap Active FOF Fund | 0% | 0% | 0% |
| Union Small Cap Fund | 7.68% | 13.78% | 7.74% |
| Union Gilt Fund | 5.82% | 7.65% | 0% |
| Union Largecap Fund | 5.35% | 11.74% | 14.09% |
| Union Short Duration Fund | 0% | 0% | 0% |
SIP and SWP returns with step-up
Rolling SIP returns with 10% step-up
| Fund | Any 1Y SIP | Any 3Y 目↑ SIP | Any 5Y 目↑ SIP |
|---|---|---|---|
| Union Childrens Fund | 9.38% | 0% | 0% |
| Union ELSS Tax Saver Fund | 13.59% | 14.28% | 15.25% |
| Union Retirement Fund | 16.2% | 15.95% | 0% |
| Union Midcap Fund | 14.07% | 18.54% | 19.42% |
| Union Corporate Bond Fund | 5.03% | 8.08% | 7.14% |
| Union Flexi Cap Fund | 13.3% | 13.8% | 14.79% |
| Union Money Market Fund | 7.1% | 7.27% | 0% |
| Union Low Duration Fund | 0% | 0% | 0% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Equity Savings Fund | 7.21% | 8.04% | 7.91% |
| Union Aggressive Hybrid Fund | 11.63% | 13.16% | 0% |
| Union Business Cycle Fund | 5.17% | 0% | 0% |
| Union Value Fund | 15.74% | 16.16% | 17.36% |
| Union Income Plus Arbitrage Active FOF Fund | 0% | 0% | 0% |
| Union Innovation Opportunities Fund | 11.39% | 0% | 0% |
| Union Multicap Fund | 18.63% | 0% | 0% |
| Union Multi Asset Allocation Fund | 23.51% | 0% | 0% |
| Union Overnight Fund | 3.38% | 6.24% | 6.01% |
| Union Arbitrage Fund | 6.34% | 7.24% | 6.87% |
| Union Focused Fund | 19.39% | 9.79% | 11.34% |
| Union Large Midcap Fund | 13.54% | 14.89% | 15.62% |
| Union Balanced Advantage Fund | 9.32% | 10.75% | 10.56% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Active Momentum Fund | 0% | 0% | 0% |
| Union Liquid Fund | 6.73% | 6.96% | 6.63% |
| Union Dynamic Bond Fund | 6.49% | 5.54% | 5.36% |
| Union Diversified Equity All Cap Active FOF Fund | 0% | 0% | 0% |
| Union Small Cap Fund | 11.16% | 14.91% | 17.53% |
| Union Gilt Fund | 6.72% | 4.94% | 0% |
| Union Largecap Fund | 10.49% | 12.09% | 12.62% |
| Union Short Duration Fund | 0% | 0% | 0% |
Rolling SWP returns with 10% step-up
| Fund | Any 1Y SWP | Any 3Y 目↑ SWP | Any 5Y 目↑ SWP |
|---|---|---|---|
| Union Childrens Fund | 8.06% | 0% | 0% |
| Union ELSS Tax Saver Fund | 10.92% | 17.03% | 23.09% |
| Union Retirement Fund | -0.26% | 19.93% | 0% |
| Union Midcap Fund | -2.09% | 23.25% | 30.12% |
| Union Corporate Bond Fund | 5.22% | 7.48% | 4.56% |
| Union Flexi Cap Fund | 10.35% | 17.67% | 22.76% |
| Union Money Market Fund | 7.27% | 7.26% | 0% |
| Union Low Duration Fund | 0% | 0% | 0% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Equity Savings Fund | 5.79% | 9.14% | 8.14% |
| Union Aggressive Hybrid Fund | 1.03% | 14.46% | 0% |
| Union Business Cycle Fund | -4.18% | 0% | 0% |
| Union Value Fund | 9.29% | 20.95% | 24.16% |
| Union Income Plus Arbitrage Active FOF Fund | 0% | 0% | 0% |
| Union Innovation Opportunities Fund | 31.92% | 0% | 0% |
| Union Multicap Fund | 29.49% | 0% | 0% |
| Union Multi Asset Allocation Fund | 8.03% | 0% | 0% |
| Union Overnight Fund | 3.72% | 6.6% | 4.78% |
| Union Arbitrage Fund | 6.98% | 7.87% | 5.44% |
| Union Focused Fund | 11.84% | 13.21% | 20.27% |
| Union Large Midcap Fund | 14.5% | 18.1% | 22.34% |
| Union Balanced Advantage Fund | 5.98% | 12.23% | 10.6% |
| Union Gold ETF Fund | 0% | 0% | 0% |
| Union Active Momentum Fund | 0% | 0% | 0% |
| Union Liquid Fund | 6.74% | 7.23% | 5.13% |
| Union Dynamic Bond Fund | 6.05% | 7.32% | 3.53% |
| Union Diversified Equity All Cap Active FOF Fund | 0% | 0% | 0% |
| Union Small Cap Fund | 7.68% | 23.47% | 34.21% |
| Union Gilt Fund | 5.82% | 7.67% | 0% |
| Union Largecap Fund | 5.35% | 14.21% | 18.51% |
| Union Short Duration Fund | 0% | 0% | 0% |
Note:N.A. in returns indicate that the fund does not have sufficient history.
Tables have been updated on 14-Dec-2025
Frequently Asked Questions (FAQs) regarding Union Mutual Fund
What is Union Mutual Fund?
Union Mutual Fund is a mutual fund Asset Management Company (AMC) which is a company that pools money from many different investors and invests them in stocks, bonds, cash and metals (like gold) to generate returns.
How big is Union Mutual Fund?
Union Mutual Fund offers 31 funds in total across various categories.
How safe are mutual funds offered by Union Mutual Fund?
Mutual Funds from Union Mutual Fund are regulated by the Securities and Exchange Board of India (SEBI), which ensures that certain rules apply to how the company operates its funds. However, mutual fund investments are subject to market risks (i.e. they go up and down in value) and there is no guarantee of any returns.
What returns are given by the mutual funds offered by Union Mutual Fund?
Mutual Funds from Union Mutual Fund have given an average 12.07% return in the last 3 years for a lump sum investment. Past returns do not guarantee returns in the future.
How much returns are given by the best mutual funds offered by Union Mutual Fund?
The five best mutual Funds from Union Mutual Fund have given an average 18.34% return in the last 3 years for a lump sum investment. Past returns do not guarantee returns in the future.
How much SIP returns are given by the best mutual funds offered by Union Mutual Fund?
The five best mutual Funds from Union Mutual Fund have given an average 15.73% return in the last 3 years for a monthly SIP investment. Past returns do not guarantee returns in the future.
How much SWP returns are given by the best mutual funds offered by Union Mutual Fund?
The five best mutual Funds from Union Mutual Fund have given an average 21.63% return pre-tax in the last 3 years for a monthly withdrawal via SWP. Past returns do not guarantee returns in the future.
How can I invest in Union Mutual Fund mutual funds?
You can invest in Union Mutual Fund mutual funds online through their official website, mobile app, or via third-party platforms like MFCentral and distributors. You may also invest offline by submitting a physical application form through an authorised mutual fund distributor.
How can I redeem my investments from Union Mutual Fund?
Redemption of Union Mutual Fund mutual funds can be done online through the AMC's website, MFCentral website, or through your distributor. The redemption amount is typically credited to your registered bank account within 1-3 business days, depending on the fund type.
Does Union Mutual Fund charge any fees or expenses?
Yes. Mutual funds managed by Union Mutual Fund charge an expense ratio, which covers management fees and operational costs. Additionally, some schemes may have exit loads if you redeem units before a specific period.
Is a PAN and KYC mandatory to invest in Union Mutual Fund mutual funds?
Yes. As per SEBI regulations, investors must have a valid PAN and complete the KYC process before investing in any mutual fund offered by Union Mutual Fund.
Where can I view the performance and NAV of Union Mutual Fund funds?
You can check the latest NAVs and performance data of all Union Mutual Fund mutual funds on their official website, AMFI's portal, or financial websites like Arthgyaan.
Does Union Mutual Fund offer SIP (Systematic Investment Plan) options?
Yes. Union Mutual Fund allows investors to invest through SIPs, which enable disciplined investing by allowing them to contribute a fixed amount at regular intervals. You can see the SIP performance of their funds on this page.
Does Union Mutual Fund offer SWP (Systematic Withdrawal Plan) options?
Yes. Union Mutual Fund allows investors to withdraw through SWPs, where you can withdraw a fixed amount at regular intervals like monthly. You can see the pre-tax SWP performance of their funds on this page.
What is the minimum investment amount in Union Mutual Fund mutual funds?
The minimum investment amount in Union Mutual Fund mutual funds varies by fund and plan. Typically, SIPs can start from ₹500 per month, while lump sum investments usually begin at ₹5,000.
How are mutual fund returns from Union Mutual Fund taxed?
Taxation of funds from Union Mutual Fund depends on the type of fund and the holding period. Equity and debt funds are taxed differently under capital gains rules as defined by the Income Tax Act.
How can I contact Union Mutual Fund for support or queries?
You can reach Union Mutual Fund through their customer care email, toll-free number, or by visiting their nearest branch office. Contact details are available on their official website.
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Equity Scheme funds Debt Scheme funds Hybrid Scheme funds Solution Oriented Schemes – Funds for Retirement and Children Other Schemes – ETFs and Fund of Funds Commodity Schemes – Funds Investing in Gold, Silver or BothDisclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
Note: NAVs and returns updated on 14-Dec-2025.
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