Can I invest in SIP and Lumpsum in Union Liquid Fund - Direct (IDCW-D) Direct Growth?

Yes, you can invest both lumpsum and SIP in Union Liquid Fund - Direct (IDCW-D). Minimum lumpsum investment Union Liquid Fund - Direct (IDCW-D) is ₹5,000 and minimum SIP amount is ₹100 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Union Liquid Fund - Direct (IDCW-D) Direct Growth?

The latest NAV (Net Asset Value) of Union Liquid Fund - Direct (IDCW-D) is Union Liquid Fund - Direct (IDCW-D) is ₹1000.79 as on 2025-01-01.

Which are the biggest stock holdings of Union Liquid Fund - Direct (IDCW-D)?

The 5 biggest stock holdings of Union Liquid Fund - Direct (IDCW-D) are: TBILL-91D (3.33%), TBILL-91D (2.78%), TBILL-182D (2.21%), TBILL-91D (2.00%), TBILL-91D (1.67%)

What are the top sectors Union Liquid Fund - Direct (IDCW-D) invests in?

A majority of Union Liquid Fund - Direct (IDCW-D) 's AUM worth ₹4,472.93 (Cr) is invested in these 3 top sectors: There is no data for Top 3 sector holdings in the portfolio!

Mutual Funds
Union Liquid Fund - Direct (IDCW-D)

Union Liquid Fund - Direct (IDCW-D)

Liquid Fund

Invest Now

NAV
1000.79(0.00%)
Fund Size (CR)
₹4,336.59
Expense Ratio
0.07
Scheme Type
Active Fund
Value Research
-

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
7.16%

Absolute Return: 0%

Annualized Return: 0%

Basic Details

Scheme Manager

Devesh Thacker

Bench Mark

CRISIL Liquid Debt A-I Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	23 December 2024	10012.66	0.13%	-	0.15%	37/377
1 Month	30 November 2024	10055.25	0.55%	-	0.61%	62/377
3 Month	30 September 2024	10171.67	1.72%	-	1.71%	80/375
6 Month	30 June 2024	10347.47	3.47%	-	3.42%	189/375
1 Year	30 December 2023	10720.46	7.20%	7.20%	7.02%	240/375
3 Year	30 December 2021	12054.46	20.54%	6.43%	6.15%	110/351
5 Year	30 December 2019	13451.97	34.52%	6.11%	5.12%	9/336
Since Inception	1 January 2013	22937.16	129.37%	7.16%	6.30%	39/377

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 January 2024	1,30,000	298233.00	129.41%	129.41%
3 Year	1 January 2022	3,70,000	848817.00	129.41%	31.89%
5 Year	1 January 2020	6,10,000	1399402.11	129.41%	18.07%
10 Year	1 January 2015	12,10,000	2778284.52	129.61%	8.67%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

0.11%

Standard Deviation

0.01%

Beta

-1.55%

Sharpe Ratio

Treynor's Ratio

-0.63%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
TBILL-91D	3.33%	1500000000	148.80	T Bills	T Bills
TBILL-91D	2.78%	1250000000	124.15	T Bills	T Bills
TBILL-182D	2.21%	1000000000	98.84	T Bills	T Bills
TBILL-91D	2.00%	900000000	89.50	T Bills	T Bills
TBILL-91D	1.67%	750000000	74.76	T Bills	T Bills
TBILL-364D	1.11%	500000000	49.54	T Bills	T Bills
TBILL-364D	0.59%	265000000	26.42	T Bills	T Bills
TBILL-364D	0.56%	250000000	24.86	T Bills	T Bills
TBILL-364D	0.56%	250000000	24.95	T Bills	T Bills
TBILL-182D	0.56%	250000000	24.99	T Bills	T Bills

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Union Liquid Fund - Direct (IDCW-D)	4336.59	0.55%	1.72%	3.47%	7.20%	6.43%
TRUSTMF Liquid Fund - Direct (IDCW-D) RI	280.91	0.85%	2.34%	4.75%	9.77%	8.61%
Bandhan Liquid Fund - Direct (IDCW-D)	13773.88	0.69%	2.22%	4.52%	9.69%	8.43%
Aditya Birla SL Liquid Fund - Direct (IDCW-W)	44520.60	0.43%	1.60%	3.45%	8.89%	6.33%
TRUSTMF Liquid Fund - Direct (IDCW-W)	280.91	0.66%	1.96%	3.92%	8.30%	7.61%
Groww Liquid Fund - Direct (IDCW-Frt)	154.05	0.56%	1.72%	3.55%	8.01%	6.21%

News

Union Mutual Fund announces merger of Union Medium Duration Fund Merger into Union Corporate Bond Fund
Union Mutual Fund has approved the merger of Union Medium Duration Fund Merger into Union Corporate Bond Fund, with effect from 29 January 2025.
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Union MF announces change in Fund Manager of the following schemes

Union Mutual Fund has announced change in Fund Managers of the following schemes with effect from: 09 December 2024

Change in Fund Managers of the Schemes:

Name of the Scheme	Names of the existing Fund Manager(s)/ Head-Equity/Chief Investment Officer	Names of the new Fund Manager(s)/ Head-Equity/Chief Investment Officer^
Union Small Cap Fund	Mr. Sanjay Bembalkar and Mr. Gaurav Chopra	Mr. Pratik Dharmshi and Mr. Gaurav Chopra
Union Focused Fund	Mr. Sanjay Bembalkar and Mr. Vinod Malviya	Mr. Pratik Dharmshi and Mr. Vinod Malviya
Union Retirement Fund	Mr. Sanjay Bembalkar and Mr. Vinod Malviya	Mr. Pratik Dharmshi and Mr. Vinod Malviya
Union Large & Midcap Fund	Mr. Vinod Malviya and Mr. Sanjay Bembalkar	Mr. Vinod Malviya and Mr. Pratik Dharmshi
Union Midcap Fund	Mr. Gaurav Chopra and Mr. Sanjay Bembalkar	Mr. Gaurav Chopra and Mr. Pratik Dharmshi
Union Business Cycle Fund	Mr. Harshad Patwardhan and Mr. Sanjay Bembalkar	Mr. Harshad Patwardhan and Mr. Pratik Dharmshi

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Union MF announces change in benchmark index under its scheme

Union Mutual Fund has announced change in the benchmark of Union Multi Asset Allocation Fund with effect from November 01, 2024

Change in name of Benchmark of Union Multi Asset Allocation Fund

Scheme Name	Existing Benchmark	Revised Benchmark
Union Multi Asset Allocation Fund	65% NIFTY 50 TRI + 20% CRISIL Short Term Bond Fund Index + 15% Domestic price of Gold	65% NIFTY 50 TRI + 20% NIFTY Composite Debt Index + 15% Domestic prices of Gold

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Fund House Details & Investment Objective

Date of Incorporation

1 January 2013

Total AUM (Cr)

₹4472.93

Union Liquid Fund - Direct (IDCW-D) is an Liquid Fund-oriented fund from the renowned AMC, Union Mutual Fund. Launched in 1 January 2013, this fund is managed by Devesh Thacker. With assets under management (AUM) worth ₹4,472.93 (Cr), as of 1 January 2025, Union Liquid Fund - Direct (IDCW-D) is categorized as a Liquid Fund within its segment. The fund has generated a return of 7.16% since its launch.
The current NAV of Union Liquid Fund - Direct (IDCW-D) is ₹1,000.79, as on 1 January 2025. The fund's benchmark index is CRISIL Liquid Debt A-I Index. You can invest in Union Liquid Fund - Direct (IDCW-D) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
0.0070% - If redemption/switch out within 1 days from the date of allotment. 0.0065% - If redemption/switch out within 2 days from the date of allotment. 0.0060% - If redemption/switch out within 3 days from the date of allotment. 0.0055% - If redemption/switch out within 4 days from the date of allotment. 0.0050% - If redemption/switch out within 5 days from the date of allotment. 0.0045% - If redemption/switch out within 6 days from the date of allotment. Nil - If redemption/switch out within 7 days from the date of allotment. The fund has generated 6.43% and 6.11% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 99.81% in Debt and 0.19% in cash and cash equivalents.

FAQs

How to Invest in Union Liquid Fund - Direct (IDCW-D) Direct Growth?

Union Liquid Fund - Direct (IDCW-D) is a popular fund in the Liquid Fund segment. The fund has generated a return of 7.16% since inception. Looking to invest in Union Liquid Fund - Direct (IDCW-D) How about earning 1% extra return? All this is possible with m.Stock! Investing in Union Liquid Fund - Direct (IDCW-D) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Union Liquid Fund - Direct (IDCW-D)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Union Liquid Fund - Direct (IDCW-D) today and reap the benefits of this Liquid Fund fund!

How much returns has Union Liquid Fund - Direct (IDCW-D) Direct Growth generated?

In the short term, i.e., 1 year, Union Liquid Fund - Direct (IDCW-D) has generated annualised return of 7.20%. In the long-term, the fund has generated 6.43% and 6.11% in 3 and 5 years respectively. Since its inception, the fund has generated 7.16% returns.

What is the expense ratio of Union Liquid Fund - Direct (IDCW-D) Direct Growth?

The expense ratio of Union Liquid Fund - Direct (IDCW-D) Direct Growth is 0.07%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Union Liquid Fund - Direct (IDCW-D) Fund Direct Growth?

The Assets Under Management (AUM) of Union Liquid Fund - Direct (IDCW-D) is ₹4,472.93 (Cr) as of 2025-01-01 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Union Liquid Fund - Direct (IDCW-D) Direct Growth?

Redeeming or selling units of Union Liquid Fund - Direct (IDCW-D) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Union Liquid Fund - Direct (IDCW-D):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Union Liquid Fund - Direct (IDCW-D)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).