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Union Small Cap Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.14 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.70 Lakh

Analyst's Choice?

Suitability:

When you invest for seven years or above, you can expect gains that comfortably beat the inflation rate and are also higher than fixed income options.

This is a fund that invests in smaller companies. Compared to those that invest in larger companies, such funds tend to fall more when stock prices fall. Therefore, you can expect higher returns in the long-term, but more severe ups and downs along the way.

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 small cap fund, if you need to redeem your investment in less than seven 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 fund 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-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 5.42 -2.95 -5.80 -3.46 6.41 19.39 15.56 4.40 3.52 -- --
S&P BSE 250 SmallCap TRI -0.35 -3.79 -6.87 -7.29 -0.45 6.84 -1.89 -1.53 2.47 -- --
Equity: Small Cap 2.70 -2.97 -5.49 -4.56 3.36 11.77 7.12 3.77 6.93 -- --
Rank within category 6 12 15 9 6 3 7 6 11 -- --
Number of funds in category 22 24 23 22 22 21 20 13 13 8 7

As on 28-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 7.25 (19-Sep-2019 - 26-Sep-2019) -9.15 (08-Nov-2016 - 15-Nov-2016)
Month 12.79 (23-Aug-2019 - 24-Sep-2019) -16.96 (07-Sep-2018 - 09-Oct-2018)
Quarter 18.14 (29-Feb-2016 - 30-May-2016) -17.77 (30-Nov-2015 - 29-Feb-2016)
Year 47.55 (26-Dec-2016 - 26-Dec-2017) -25.16 (14-Feb-2018 - 14-Feb-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.83 17.18 0.13 0.17 0.82 2.65
S&P BSE 250 SmallCap TRI 5.08 19.97 -0.03 -0.04 -- --
Equity: Small Cap 7.60 17.26 0.11 0.17 0.81 2.40
Rank within category 8 7 8 8 7 8
Number of funds in category 14 14 14 14 14 14

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

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 49
Top 10 Stocks (%) 34.58
Top 5 Stocks (%) 18.29
Top 3 Sectors (%) 44.34
Portfolio P/B Ratio 3.71
Portfolio P/E Ratio 22.10

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 5,895 5,931
Giant (%) -- 6.19
Large (%) -- 2.13
Mid (%) 40.03 27.38
Small (%) 58.70 67.90
Tiny (%) 1.27 2.07

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up Nesco Diversified 21.93 3.87 0.00 3.87
up Fine Organic Industries Chemicals 41.68 3.78 0.00 3.78
up KNR Constructions Construction 12.86 3.58 0.00 3.58
up TCI Express Ltd. Services 35.37 3.55 0.00 3.55
up V-Mart Retail Services 71.23 3.51 0.00 3.51
up Rites Construction 15.06 3.46 0.00 3.46
up TeamLease Services Services 43.96 3.38 0.00 3.38
up Avanti Feeds FMCG 19.27 3.25 0.00 3.25
up Indiamart Intermesh Services 52.99 3.19 0.00 3.19
down AU Small Finance Bank Financial 52.68 3.01 0.00 3.01
down PVR Services 66.91 3.48 0.00 2.89
up Heritage Foods FMCG 23.73 3.26 1.31 2.82
up Lumax Industries Automobile 16.42 3.15 0.00 2.76
equal Wonderla Holidays Services 17.76 3.38 0.00 2.75
down Cholamandalam Invest. & Fin. Financial 18.96 3.35 0.89 2.65
up Multi Commodity Exchange India Financial 28.14 3.77 0.00 2.57
up Tata Metaliks Metals 10.90 3.42 0.00 2.53
down PI Industries Chemicals 44.71 2.88 0.00 2.44
down NIIT Technologies Technology 24.29 2.44 0.00 2.41
down Abbott India Healthcare 56.09 3.36 0.00 2.36
up Neogen Chemicals Chemicals 38.40 2.25 0.00 2.25
up Orient Electric Engineering 68.32 3.67 0.00 2.04
down City Union Bank Financial 21.22 3.07 0.00 2.01
down Varun Beverages FMCG 49.66 2.26 0.00 1.92
up Carborundum Universal Metals 25.66 3.18 0.00 1.83

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 31-Jan-2020

Fund Manager

— Hardick Bora since 25-Oct-2016

Education: Mr. Bora is a CFA charterholder with the CFA Institute, USA and Bachelors in Banking and Insurance from University of Mumbai.

Experience: He has been with Union KBC Mutual Fund since Sep10, 2014 to Oct 24, 2016 as Research Analyst. Nov 2012 to Sep 2014 with Motilal Oswal Securities Ltd. as Sr. Manager - Institutional Research, Oct 2011 to Nov 2012 with Dolat Capital Markets Pvt Ltd. as Research Associate, Feb 2011 to Oct with Khandwala Securities Ltd. as Research Associate, Jul 2010 to Nov 2010 with Yen Management Consultants Pvt. Ltd. as Consultant, Jan 2008 to Jan 2010 with Yen Management Consultants Pvt. Ltd. as Assistant Manager and Apr 2006 to Jul 2006 with 3 Global Services Pvt. Ltd. as Customer Care Advisor.

Funds Managed:

— 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:


-2.95%

Change from previous, NAV as on 28-Feb-2020

Growth: ₹ 14.7800

Dividend: ₹ 12.8400


Investment Strategy

The scheme seeks to achieve long term capital appreciation by investing in a portfolio consisting of equity and equity related securities, predominantly of small cap companies.

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: 10-Jun-2014
Return Since Launch: 7.06%
Benchmark: NIFTY Smallcap 100 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 352 Cr (As on 31-Jan-2020)
Expense: 2.62% (As on 31-Jan-2020)
Risk Grade: Average
Return Grade: Below Average
Turnover: 59.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend22-Mar-20181.0000

 28-Sep-20171.0000

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

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