Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option
Get the latest NAV of Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.
₹11.31
1D
NAV as on 11 Jul 2025
9.55%/per year
Since Inception
▲▼
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option Performance vs. Nifty 500
Fund returns vs Benchmark returns vs Category Average returns as on (11-Jul-25)
The fund has underperformed the benchmark (Nifty 500) over the last 1Y, 3Y, 5Y time periods.
Peer comparison
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option Asset Allocation
See fund asset allocation details as on (14-Jun-25)
Fund Distribution
as on (14-Jun-25)
Equity 95.1%
Debt & Cash 4.9%
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option Sector Allocation
See fund sector allocation details as on (14-Jun-25)
Sector Allocation
Equity 95.1%
Debt & Cash 4.9%
Top 3 Sectors in May were Financial Services, Industrial & Basic Materials
Financial Services
31%
Industrial
17%
Basic Materials
11%
Financial Services
33%
Industrial
14%
Basic Materials
11%
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option Holdings Details
as on (30-Jun-25)
Equity
Debt & Cash
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 0.78% |
Benchmark | Nifty 500 TR INR |
| AUM | ₹574 Cr |
| Inception Date | 5 March, 2024 |
| Min Lumpsum/SIP | ₹1000/₹500 |
Exit Load | 1.0% |
| Lock In | No Lock-in |
TurnOver | 0.2% |
| STCG | Selling mutual fund before 1 year, returns taxed at 20%. |
| LTCG | After 1 year, 12.5% tax on returns over ₹1.25 lakh/year. |
| Risk |   Very High Risk |
About Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option is an equity fund. This fund was started on 5 March, 2024. The fund is managed by Pratik Dharmshi, Harshad Patwardhan. The fund could potentially beat inflation in the long-run.
Key Parameters
- Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option has ₹574 Cr worth of assets under management (AUM) as on Jun 2025 and is more than category average.
- The fund has an expense ratio 0.8.
Returns
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option has given a CAGR return of 9.55% since inception. Over the last 1 year the fund has given a CAGR return of -2.08%.
Holdings
Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option has allocated its funds majorly in Cash Equivalent, Financial Services, Industrial, Consumer Cyclical, Basic Materials, Tech, Communication, Energy, Health, Real Estate, Government, Consumer Defensive, Utilities. Its top holdings are HDFC Bank Ltd, ICICI Bank Ltd, Bharti Airtel Ltd, Infosys Ltd, Reliance Industries Ltd
Taxation
As it is a equity - other mutual fund the taxation is as follows:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitDividends will always be taxed at slab rate. Long term gains upto Rs 1 lakh are exempt capital gains tax.
Investment objective of Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option
The investment objective of the Scheme is to generate long-term capital appreciation by investing with a focus on riding business cycles through allocation between sectors and stocks at different stages of business cycles in the economy. However, there is no assurance that the investment objective of the Scheme will be achieved.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 1000.00 and for SIP is INR 500.00. Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option has no lock in period.
Fund Manager
Pratik Dharmshi
Fund Manager of Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option, since 9 December 2024
Harshad Patwardhan
Fund Manager of Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option, since 1 November 2024
- AUM of the fund stands at 574.1 Cr as of May'25
- AUM increased by 10.2 Cr between May'25 and Apr'25
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Frequently Asked Questions for Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option
How do I invest in Union Business Cycle Fund Direct Payout of Income Distribution cum capital withdrawal option?
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