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Union Multi Cap Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.39 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.07 Lakh

Analyst's Choice?

Suitability:

When you invest for five years or above, you can expect gains that comfortably beat the inflation rate and are also higher than fixed income options. But be prepared for ups and downs in your investment value along the way.

This is a multi cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending upon where it expects maximum gains. This versatility makes multi cap funds most suitable for equity fund investors as the job of stock selection is completely left to the fund manager, which is the very idea of investing in a mutual fund.

Like all equity funds, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other multi cap fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends paid by the mutual fund scheme are taxed at the rate of 10% (effectively 11.648%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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(₹)
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Trailing Returns (%)

YTD 1 Month 3 Months 1 Years 3 Years 5 Years 10 Years
Fund 11.56 1.22 8.87 12.03 11.57 6.23 --
S&P BSE 500 TRI 7.97 1.57 8.28 9.13 13.06 9.29 --
Equity: Multi Cap 9.83 1.35 8.54 10.97 12.46 9.68 --
Rank within category 20 35 30 21 27 34 --
Number of funds in category 49 58 58 49 41 37 1

As on 13-Dec-2019

Best & Worst Performance

Best (Period) Worst (Period)
Month 18.80 (07-May-2014 - 06-Jun-2014) -12.90 (07-Aug-2015 - 07-Sep-2015)
Quarter 23.08 (10-Mar-2014 - 09-Jun-2014) -15.01 (30-Nov-2015 - 29-Feb-2016)
Year 58.53 (03-Sep-2013 - 03-Sep-2014) -24.26 (27-Feb-2015 - 29-Feb-2016)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 11.18 11.56 0.47 0.75 0.85 -0.84
S&P BSE 500 TRI 13.11 13.17 0.56 0.86 -- --
Equity: Multi Cap 12.41 13.53 0.49 0.75 0.95 -0.37
Rank within category 29 3 23 20 5 26
Number of funds in category 42 42 42 42 42 42

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Nov-2019

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 58
Top 10 Stocks (%) 49.45
Top 5 Stocks (%) 33.15
Top 3 Sectors (%) 58.76
Portfolio P/B Ratio 3.48
Portfolio P/E Ratio 25.97

Portfolio Aggregates

Fund Benchmark Category
Average Mkt Cap (Rs Cr) 1,35,048 2,78,517 1,02,715
Giant (%) 63.77 59.50 53.71
Large (%) 11.75 18.52 15.51
Mid (%) 15.95 16.63 23.22
Small (%) 8.52 5.32 8.92
Tiny (%) -- 0.01 0.33

Value Research Fund Style

Sector Allocation vis-à-vis Benchmark

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HDFC Bank Financial 29.57 9.89 7.84 9.61
equal Reliance Industries Energy 23.90 8.15 0.00 8.15
equal ICICI Bank Financial 67.66 5.47 0.00 5.47
equal Tata Consultancy Services Technology 23.99 6.16 0.00 5.27
equal Infosys Technology 19.54 7.37 2.14 4.65
equal HDFC Financial 33.50 8.33 0.00 3.57
equal Bajaj Finance Financial 49.61 3.58 0.00 3.42
equal Kotak Mahindra Bank Financial 39.32 4.44 2.32 3.35
equal Larsen & Toubro Construction 19.37 6.10 3.11 3.31
equal State Bank of India Financial 29.35 3.05 0.00 2.65
equal Axis Bank Financial 47.71 4.36 0.00 2.45
down ITC FMCG 21.38 6.06 0.00 2.36
equal BPCL Energy 16.82 1.64 0.00 1.58
equal Maruti Suzuki India Automobile 35.88 6.55 1.54 1.57
equal Power Grid Corporation Energy 6.24 2.11 0.00 1.56
down Nestle India FMCG 75.07 2.22 0.00 1.48
equal NTPC Energy 9.75 1.54 0.00 1.45
equal The Ramco Cements Construction 29.17 2.02 1.00 1.43
equal Abbott India Healthcare 52.46 1.40 0.00 1.40
equal SBI Life Insurance Company Financial 79.64 1.40 0.00 1.34
down Bajaj Auto Automobile 18.11 1.74 0.00 1.22
equal AU Small Finance Bank Financial 40.53 1.19 0.00 1.19
up Bharti Airtel Communication 1.80 0.00 1.18
equal Torrent Pharmaceuticals Healthcare 56.99 1.49 0.00 1.14
up PI Industries Chemicals 44.90 1.83 0.00 1.07

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Nov-2019

Fund Manager

— Vinay Paharia since 03-Apr-2018

Education: Mr. Paharia holds a B.Com degree from Narsee Monjee College and an M.M.S. degree from Welingkar Institute of Management, Mumbai.

Experience: Prior to joining Union Mutual Fund he was associated with Invesco Asset Management Company, L&T Mutual Fund, K R Choksey Shares and Securities Pvt Ltd (Jan 2004-Jan 2006), First Global Stock broking Pvt. Ltd (Jun 2002-Jan 2004).

Interviews:

Funds Managed:


0.89%

Change from previous, NAV as on 13-Dec-2019

Growth: ₹ 21.6100

Dividend: ₹ 18.8800


Investment Strategy

The scheme seeks to achieve long-term capital appreciation by investing substantially in a portfolio consisting of equity and equity related securities.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 2,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1
Exit Load 1% for redemption within 365 days

Basic Details

Fund House: Union Mutual Fund
Launch Date: 01-Jan-2013
Benchmark: S&P BSE 500 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 310 Cr (As on 30-Nov-2019)
Expense: 1.70% (As on 30-Nov-2019)
Risk Grade: Average
Return Grade: Low
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend05-Feb-20190.7969

 22-Mar-20181.5000

Contact Information

AMC: Union Asset Management Company Pvt.Ltd.

Address: Unit 503, 5th Floor, Leela Business Park, Andheri Kurla Road, Andheri (East) Mumbai - 400059

Phone: 022-67483300 / 1800-200-2268

Fax: 022-67483400/3401/3402

Email: [email protected]

Website: www.unionmf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

Upcoming Video

Investors' Hangout

Why you should ditch dividend plans

dateFriday, 20-Dec-2019
time12:30 PM - 01:00 PM