Union Bank SIP Plan
A Union Bank of India SIP Plan allows you to invest a fixed amount regularly in mutual fund schemes offered through Union Mutual Fund. This SIP is suitable for long-term investors, beginners, and goal-based planners who want disciplined investing, rupee-cost averaging, and the power of compounding to achieve financial goals in 2026 and beyond.
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List of Best Union Bank SIP Plans to Invest in 2026
Here are some of the best SIP plans in 2026 offered by the Union Bank Mutual Fund House:
| Fund Name | AUM | Return 3 Years | Return 5 Years | Return 10 Years | Minimum Investment | Return Since Launch |
|---|---|---|---|---|---|---|
| Union Midcap Fund Regular-Growth | ₹1,846.92 Crs | 17.92% | 16.14% | N/A | ₹1,000 | 29.92% |
| Union Multicap Fund Regular-Growth | ₹1,420.10 Crs | 15.72% | N/A | N/A | ₹1,000 | 17.05% |
| Union Small Cap Fund Regular-Growth | ₹2,267.79 Crs | 18.45% | 17.95% | 16.46% | ₹1,000 | 15.88% |
| Union Value Fund Regular-Growth | ₹393.65 Crs | 13.2% | 13.45% | N/A | ₹1,000 | 14.94% |
| Union Retirement Fund Regular-Growth | ₹206.31 Crs | 13.87% | N/A | N/A | ₹1,000 | 14.24% |
| Union Large & Midcap Fund Regular-Growth | ₹965.21 Crs | 13.39% | 12.56% | N/A | ₹1,000 | 16.32% |
| Union Flexi Cap Fund-Growth | ₹2,375.89 Crs | 11.84% | 10.98% | 12.7% | ₹1,000 | 11.62% |
| Union ELSS Tax Saver Fund-Growth | ₹856.82 Crs | 11.6% | 11.46% | 12.49% | ₹500 | 13.83% |
| Union Aggressive Hybrid Fund Regular-Growth | ₹736.85 Crs | 10.79% | 9.29% | N/A | ₹1,000 | 11.77% |
| Union Largecap Fund Regular-Growth | ₹436.67 Crs | 8.88% | 8.56% | N/A | ₹1,000 | 9.6% |
Details of Union Bank Of India SIP Plans
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Union Midcap Fund Regular - Growth
The fund seeks to achieve long-term capital appreciation by investing predominantly in mid-cap equity and equity-related instruments. It focuses on identifying fundamentally strong mid-sized companies with scalable business models, while maintaining sectoral diversification to manage volatility over the long term.
Parameters Details Fund Name Union Midcap Fund Regular-Growth NAV AUM ₹1,846.92 Crs Expense Ratio 2.4% Return 5 Years 16.14% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 23rd March, 2020 Asset Allocation Equity: 98.9%, Debt: 0.04%, Others: 1.06% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - The Federal Bank Ltd
- Repo
- Max Financial Services Ltd
- Indian Bank
- L&T Finance Holdings Ltd
- Fortis Healthcare Ltd
- Shriram Transport Finance Company Ltd
- Nippon Life India Asset Management Ltd
- Kei Industries Ltd
- Mphasis Ltd
Fund Managers - Gaurav Chopra
- Pratik Dharmshi
Fund Type Open-ended -
Union Multicap Fund Regular – Growth
The fund aims to generate long-term capital appreciation by investing across large-cap, mid-cap, and small-cap equities. It follows a flexible allocation strategy, allowing the fund manager to adjust exposure across market segments based on valuations and market conditions to balance growth and stability.
Parameters Details Fund Name Union Multicap Fund Regular-Growth NAV AUM ₹1,420.10 Crs Expense Ratio 2.58% Return 5 Years N/A Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 19th December, 2022 Asset Allocation Equity: 97.31%, Debt: 0.05%, Others: 2.64% Top Sectors - Consumer Staples
- Consumer Discretionary
- Industrials
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Repo
- HDFC Bank Ltd
- ICICI Bank Ltd
- Larsen & Toubro Ltd
- Bharti Airtel Ltd
- Reliance Industries Ltd
- Cummins India Ltd
- State Bank of India
- Shriram Transport Finance Company Ltd
- Multi Commodity Exchange Of India Ltd
Fund Managers - Harshad Patwardhan
- Sanjay Bembalkar
Fund Type Open-ended -
Union Small Cap Fund Regular – Growth
This fund seeks long-term capital growth through investments primarily in small-cap equity and equity-related securities. It targets emerging companies with high growth potential and accepts higher short-term volatility in pursuit of superior long-term returns.
Parameters Details Fund Name Union Small Cap Fund Regular-Growth NAV AUM ₹2,267.79 Crs Expense Ratio 2.19% Return 5 Years 17.95% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 10th June, 2014 Asset Allocation Equity: 99.03%, Debt: 0.05%, Others: 0.92% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Ami Organics Ltd
- Karur Vysya Bank Ltd
- Gabriel India Ltd
- GE T&D India Ltd
- Navin Fluorine International Ltd
- Kirloskar Oil Engines Ltd
- Multi Commodity Exchange Of India Ltd
- Eureka Forbes Ltd
- Amber Enterprises India Ltd
- S.J.S Enterprises Ltd
Fund Managers - Pratik Dharmshi
- Gaurav Chopra
Fund Type Open-ended -
Union Value Fund Regular – Growth
The fund aims to achieve long-term capital appreciation by investing in undervalued stocks across market capitalisations. It follows a value-investing approach, selecting companies trading below their intrinsic value and holding them until market re-rating occurs.
Parameters Details Fund Name Union Value Fund Regular-Growth NAV AUM ₹393.65 Crs Expense Ratio 2.73% Return 5 Years 13.45% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 5th December, 2018 Asset Allocation Equity: 97.61%, Debt: 0.07%, Others: 2.32% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - HDFC Bank Ltd
- Reliance Industries Ltd
- ICICI Bank Ltd
- Repo
- State Bank of India
- NTPC Ltd
- Bharti Airtel Ltd
- Shriram Transport Finance Company Ltd
- Infosys Ltd
- Gabriel India Ltd
Fund Managers - Vinod Malviya
- Gaurav Chopra
Fund Type Open-ended -
Union Retirement Fund Regular – Growth
Designed as a retirement-oriented solution, the fund seeks to generate long-term capital appreciation through a diversified allocation to equity, equity-related instruments, and debt securities. It focuses on building a retirement corpus by balancing growth potential with relative stability over an extended investment horizon.
Parameters Details Fund Name Union Retirement Fund Regular-Growth NAV AUM ₹206.31 Crs Expense Ratio 2.69% Return 5 Years N/A Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 22nd September, 2022 Asset Allocation Equity: 98.77%, Debt: 0.07%, Others: 1.16% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - HDFC Bank Ltd
- ICICI Bank Ltd
- Reliance Industries Ltd
- State Bank of India
- Ami Organics Ltd
- Multi Commodity Exchange Of India Ltd
- Repo
- Infosys Ltd
- Bharti Airtel Ltd
- Larsen & Toubro Ltd
Fund Managers - Pratik Dharmshi
- Pratit Vajani
Fund Type Open-ended -
Union Large & Midcap Fund Regular – Growth
The fund pursues long-term capital growth by investing predominantly in large-cap and mid-cap equities. The strategy combines the stability of established large-cap companies with the growth potential of mid-cap stocks to deliver balanced, risk-adjusted returns.
Parameters Details Fund Name Union Large & Midcap Fund Regular-Growth NAV AUM ₹965.21 Crs Expense Ratio 2.55% Return 5 Years 12.56% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 6th December, 2019 Asset Allocation Equity: 98.23%, Debt: 0.03%, Others: 1.74% Top Sectors - Financial
- Healthcare
- Materials
- Real Estate
- Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Technology
Top Holdings - HDFC Bank Ltd
- Repo
- Reliance Industries Ltd
- ICICI Bank Ltd
- Bharti Airtel Ltd
- The Federal Bank Ltd
- Shriram Transport Finance Company Ltd
- State Bank of India
- Larsen & Toubro Ltd
- Max Financial Services Ltd
Fund Managers - Vinod Malviya
- Pratik Dharmshi
Fund Type Open-ended -
Union Flexi Cap Fund – Growth
The fund aims to achieve capital appreciation by investing flexibly across large-cap, mid-cap, and small-cap equities. It has no rigid allocation limits, enabling dynamic portfolio adjustments based on market cycles, valuations, and opportunities.
Parameters Details Fund Name Union Flexi Cap Fund-Growth NAV AUM ₹2,375.89 Crs Expense Ratio 2.59% Return 5 Years 10.98% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 10th June, 2011 Asset Allocation Equity: 96%, Debt: 0.05%, Others: 3.95% Top Sectors - Real Estate
- Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - HDFC Bank Ltd
- ICICI Bank Ltd
- Repo
- State Bank of India
- Reliance Industries Ltd
- Larsen & Toubro Ltd
- Bharti Airtel Ltd
- Axis Bank Ltd
- Maruti Suzuki India Ltd
- Infosys Ltd
Fund Managers - Sanjay Bembalkar
- Vinod Malviya
Fund Type Open-ended -
Union ELSS Tax Saver Fund – Growth
The fund seeks long-term capital growth by investing primarily in equities while providing tax benefits under Section 80C of the Income Tax Act, subject to a mandatory 3-year lock-in period. It is designed for investors looking to combine tax savings with long-term equity exposure.
Parameters Details Fund Name Union ELSS Tax Saver Fund-Growth NAV AUM ₹856.82 Crs Expense Ratio 2.62% Return 5 Years 11.46% Minimum Investment SIP ₹1000 & Lumpsum ₹500 Risk Level Principal at very high risk Launch Date 23rd December, 2011 Asset Allocation Equity: 98.34%, Debt: 0.05%, Others: 1.61% Top Sectors - Real Estate
- Diversified
- Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - HDFC Bank Ltd
- ICICI Bank Ltd
- Reliance Industries Ltd
- Bharti Airtel Ltd
- State Bank of India
- Larsen & Toubro Ltd
- Gabriel India Ltd
- Infosys Ltd
- Kotak Mahindra Bank Ltd
- Axis Bank Ltd
Fund Managers - Sanjay Bembalkar
- Vinod Malviya
Fund Type Open-ended -
Union Aggressive Hybrid Fund Regular – Growth
The fund aims for long-term capital appreciation by investing at least 65% of its assets in equities, with the remaining portion allocated to debt and money market instruments. It offers equity-oriented growth with comparatively lower volatility than pure equity funds.
Parameters Details Fund Name Union Aggressive Hybrid Fund Regular-Growth NAV AUM ₹736.85 Crs Expense Ratio 2.79% Return 5 Years 9.29% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 18th December, 2020 Asset Allocation Equity: 77.09%, Debt: 19.25%, Others: 3.66% Top Sectors - Real Estate
- Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Repo
- HDFC Bank Ltd
- ICICI Bank Ltd
- Reliance Industries Ltd
- POWER FINANCE CORPORATION LTD. SR BS221B 7.59 BD 17JN28 FVRS10LAC
- REC LIMITED SR 236-A 7.45 BD 31AG35 FVRS1LAC
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25D 7.40 BD 29AP30 FVRS1LAC
- Axis Bank Ltd
- State Bank of India
- Bharti Airtel Ltd
Fund Managers - Vinod Malviya
- Parijat Agrawal
- Sanjay Bembalkar
Fund Type Open-ended -
Union Largecap Fund Regular – Growth
The fund focuses on generating long-term capital appreciation by investing predominantly in large-cap equity stocks. It targets well-established, blue-chip companies to deliver relatively stable performance with lower volatility over long investment horizons.
Parameters Details Fund Name Union Largecap Fund Regular-Growth NAV AUM ₹436.67 Crs Expense Ratio 2.56% Return 5 Years 8.56% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 11th May, 2017 Asset Allocation Equity: 99.07%, Debt: 0.07%, Others: 0.86% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - HDFC Bank Ltd
- ICICI Bank Ltd
- Reliance Industries Ltd
- State Bank of India
- Infosys Ltd
- Bharti Airtel Ltd
- Larsen & Toubro Ltd
- Axis Bank Ltd
- Solar Industries India Ltd
- Mahindra & Mahindra Ltd
Fund Managers - Sanjay Bembalkar
- Pratik Dharmshi
Fund Type Open-ended
How a Union SIP Plan Works?
Let us understand how an SIP offered by Union Bank can help create long-term wealth through a simple calculation.
- Monthly SIP Amount: ₹5,000
- Investment Duration: 10 years (120 months)
- Expected Annual Return: 12% per annum
The SIP Calculator will display the following results:
- Total Investment: ₹5,000 × 120 months = ₹6 lakh
- Wealth Gained = ₹5.2 lakh
- Total Wealth = ₹11.2 lakh
By investing just ₹5,000 monthly SIP, an investor can potentially grow ₹6 lakh into over ₹11.2 lakh in 10 years, mainly due to compounding and disciplined investing, assuming long-term equity-oriented returns.
Why Invest in Union Bank SIP Investment Plans?
The key benefits of investing in the SIP plans in Union Bank of India are listed below:
- Disciplined investing: You invest a fixed amount every month, which builds a regular saving habit.
- Benefit of rupee-cost averaging: You buy more units when prices are low and fewer when prices are high, which helps balance your overall cost.
- Power of compounding: The returns you earn also start earning returns with the compounding effect, helping your money grow faster over time.
- Flexible investment: You can start small and increase your amount whenever you’re comfortable.
- Multiple fund options: Union Bank offers a variety of mutual fund schemes like equity, debt, and hybrid. This helps you choose the best investment plan that matches your goals and risk level.
- Convenient Online Access: Set up and manage SIPs easily through Union Bank’s portal or partner platforms with auto-debit options.
- Low Expense Ratio: Ranges between 0.8% and 1.3%, making these funds cost-effective compared to peers.
Who Should Invest in Union Bank SIP Plan?
- Beginners starting with small monthly investments
- Long-term planners aiming for wealth creation over 5–15 years
- Tax-saving investors using ELSS SIPs
- Moderate to aggressive investors willing to stay invested through market cycles
- Retirement and goal-driven investors seeking disciplined accumulation
Conclusion
Union Bank SIP Plans make it easy to invest regularly, stay disciplined, and grow your money steadily over time. They offer flexibility, simplicity, and the long-term benefits of compounding — helping you achieve your financial goals with ease. You can also use the Union Bank SIP Calculator to estimate your returns and plan your investments smartly for a secure financial future.
