Union Bank SIP Plan

Key Information About Union Mutual Fund

Here is the key information about the Union Mutual Fund based on the latest 2025 data:

List of Best Union Bank SIP Plans to Invest in 2025

Here are some of the best SIP plans in 2025 offered by the Union Bank Mutual Fund House:

Details of Union Bank Of India SIP Plans

1. Union Midcap Fund Direct Growth

   This fund invests mainly in mid-sized companies with strong growth potential. It aims to earn higher returns by focusing on businesses in their expansion stage. It offers a balance between growth opportunities and moderate risk, making it ideal for medium to long-term investors.

   Parameters	Details
   Fund Name	Union Midcap Fund Direct - Growth
   NAV	₹ 52.34 (as on 15th December, 2025)
   AUM	₹1,502.53 Crs
   Expense Ratio	0.73%
   Return 5 Years	26.88%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	23rd March, 2020
   Asset Allocation	Equity: 97.89%, Debt: 0.1%, Others: 2.01%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo The Federal Bank Ltd Max Financial Services Ltd Nippon Life India Asset Management Ltd Fortis Healthcare Ltd Dixon Technologies (India) Ltd Kei Industries Ltd Cummins India Ltd Phoenix Mills Ltd L&T Finance Holdings Ltd
   Fund Managers	Gaurav Chopra Pratik Dharmshi
   Fund Type	Open-ended

2. Union Value Fund Direct Growth

   The Union Value Fund invests in companies that are currently undervalued but have strong fundamentals. The fund aims for long-term capital appreciation as these companies’ market values increase over time. It suits investors looking for steady long-term growth through value investing.

   Parameters	Details
   Fund Name	Union Value Fund Direct - Growth
   NAV	₹ 30.84 (as on 15th December, 2025)
   AUM	₹333.36 Crs
   Expense Ratio	1.32%
   Return 5 Years	22.42%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	5th December, 2018
   Asset Allocation	Equity: 97.36%, Debt: 0.16%, Others: 2.48%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Reliance Industries Ltd Repo Bharti Airtel Ltd ICICI Bank Ltd Infosys Ltd NTPC Ltd Gabriel India Ltd State Bank of India Larsen & Toubro Ltd
   Fund Managers	Vinod Malviya Gaurav Chopra
   Fund Type	Open-ended

3. Union Small Cap Fund Direct Growth

   This fund focuses on small-sized companies with high growth potential. It aims to generate strong long-term returns by identifying emerging businesses that can grow rapidly. However, it carries higher risk compared to large-cap funds, so it’s suitable for aggressive investors.

   Parameters	Details
   Fund Name	Union Small Cap Fund Direct-Growth
   NAV	₹ 53.73 (as on 15th December, 2025)
   AUM	₹1,681.61 Crs
   Expense Ratio	0.94%
   Return 5 Years	26.82%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	10th June, 2014
   Asset Allocation	Equity: 98.95%, Debt: 0.12%, Others: 0.93%
   Top Sectors	Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate
   Top Holdings	Gabriel India Ltd Ami Organics Ltd Karur Vysya Bank Ltd Eureka Forbes Ltd Amber Enterprises India Ltd Kaynes Technology India Ltd S.J.S Enterprises Ltd Kei Industries Ltd Repo Radico Khaitan Ltd
   Fund Managers	Pratik Dharmshi Gaurav Chopra
   Fund Type	Open-ended

   

4. Union Retirement Fund Direct Growth

   The Union Retirement Fund is designed to help investors build a retirement corpus. It invests across equity and debt instruments to balance growth and safety. The primary goal is to provide steady long-term growth while protecting capital for future retirement needs.

   Parameters	Details
   Fund Name	Union Retirement Fund Direct - Growth
   NAV	₹ 16.80 (as on 15th December, 2025)
   AUM	₹175.24 Crs
   Expense Ratio	1.11%
   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: 98.27%, Debt: 0.16%, Others: 1.57%
   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 Repo Infosys Ltd Bharti Airtel Ltd Larsen & Toubro Ltd State Bank of India Tata Consumer Products Ltd Muthoot Finance Ltd
   Fund Managers	Pratik Dharmshi Pratit Vajani
   Fund Type	Open-ended

5. Union Large & Midcap Fund Direct Growth

   This fund combines investments in both large and mid-sized companies. Large-cap stocks offer stability, while mid-caps provide growth potential. It is a good choice for investors seeking a balance between consistent returns and long-term growth.

   Parameters	Details
   Fund Name	Union Large & Midcap Fund Direct - Growth
   NAV	₹ 28.01 (as on 15th December, 2025)
   AUM	₹887.44 Crs
   Expense Ratio	0.92%
   Return 5 Years	20.8%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	6th December, 2019
   Asset Allocation	Equity: 98.73%, Debt: 0.06%, Others: 1.21%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Repo Reliance Industries Ltd ICICI Bank Ltd Bharti Airtel Ltd The Federal Bank Ltd Max Financial Services Ltd CG Power & Industrial Solutions Ltd Maruti Suzuki India Ltd Larsen & Toubro Ltd
   Fund Managers	Vinod Malviya Pratik Dharmshi
   Fund Type	Open-ended

   

6. Union Flexi Cap Fund Direct Growth

   The Union Flexi Cap Fund invests across large-cap, mid-cap, and small-cap companies, giving fund managers full flexibility to pick the best opportunities. It aims to maximize returns while managing risk dynamically, suitable for long-term wealth creation.

   Parameters	Details
   Fund Name	Union Flexi Cap Fund Direct-Growth
   NAV	₹ 58.02 (as on 15th December, 2025)
   AUM	₹2,344.43 Crs
   Expense Ratio	0.91%
   Return 5 Years	20.48%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 98.34%, Debt: 0.1%, Others: 1.56%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Repo Reliance Industries Ltd Bharti Airtel Ltd Maruti Suzuki India Ltd Larsen & Toubro Ltd Infosys Ltd State Bank of India Jio Financial Services Limited
   Fund Managers	Sanjay Bembalkar Vinod Malviya
   Fund Type	Open-ended

7. Union ELSS Tax Saver Fund Direct Growth

   This is a tax-saving mutual fund that mainly invests in equities. It offers potential for long-term wealth creation while providing tax benefits under Section 80C of the Income Tax Act, up to ₹1.5 lakh per year. It’s ideal for investors who want to save tax and grow their money.

   Parameters	Details
   Fund Name	Union ELSS Tax Saver Fund Direct-Growth
   NAV	₹ 72.25 (as on 15th December, 2025)
   AUM	₹908.22 Crs
   Expense Ratio	1.37%
   Return 5 Years	20.82%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 98.46%, Debt: 0.08%, Others: 1.46%
   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 Gabriel India Ltd Larsen & Toubro Ltd Infosys Ltd State Bank of India Maruti Suzuki India Ltd Kotak Mahindra Bank Ltd
   Fund Managers	Sanjay Bembalkar Vinod Malviya
   Fund Type	Open-ended

8. Union Aggressive Hybrid Fund Direct Growth

   This fund invests a higher portion in equities and the rest in debt instruments. It aims to offer better returns than pure debt funds while keeping risk moderate. It’s best suited for investors who want growth with some safety.

   Parameters	Details
   Fund Name	Union Aggressive Hybrid Fund Direct - Growth
   NAV	₹ 19.51 (as on 15th December, 2025)
   AUM	₹661.64 Crs
   Expense Ratio	1.2%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at high risk
   Launch Date	18th December, 2020
   Asset Allocation	Equity: 75.82%, Debt: 20.85%, Others: 3.33%
   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 Bharti Airtel Ltd Larsen & Toubro Ltd Infosys Ltd
   Fund Managers	Vinod Malviya Parijat Agrawal Sanjay Bembalkar
   Fund Type	Open-ended

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, 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.
• Attractive Returns:
  • Union Midcap Fund: 3-year CAGR of 16.33% (2025)
  • Union Small Cap Fund: 3-year CAGR of 14.52% (2025)
• Low Expense Ratio: Ranges between 0.8% and 1.3%, making these funds cost-effective compared to peers.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹1.03 Cr

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I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

13.24%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.44%

Opportunities Fund

21.15%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.89%

Multiplier

14.92%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.57%

Growth Plus Fund

14.8%

US Equity Fund

15.31%

Growth Opportunities Plus Fund

11.95%

Equity Top 250 Fund

14.36%

Future Apex Fund

12.28%

Pension Dynamic Equity Fund

14.68%

Pension Enhanced Equity

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 of India SIP Plan Calculator to estimate your returns and plan your investments smartly for a secure financial future.