Union Bank SIP Plan

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:

Details of Union Bank Of India SIP Plans

1. 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	₹ 48.77 (as on 29th April, 2026)
   AUM	₹1,497.77 Crs
   Expense Ratio	2.8%
   Return 5 Years	17.83%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	23rd March, 2020
   Asset Allocation	Equity: 98.42%, Debt: 0.38%, Others: 1.19%
   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 Shriram Transport Finance Company Ltd Fortis Healthcare Ltd Kei Industries Ltd Nippon Life India Asset Management Ltd Mphasis Ltd
   Fund Managers	Gaurav Chopra Pratik Dharmshi
   Fund Type	Open-ended

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2. 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	₹ 16.07 (as on 29th April, 2026)
   AUM	₹1,184.05 Crs
   Expense Ratio	3.03%
   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: 96.73%, Debt: 0.9%, Others: 2.37%
   Top Sectors	Consumer Staples Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo HDFC Bank Ltd ICICI Bank Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Reliance Industries Ltd Cummins India Ltd Shriram Transport Finance Company Ltd Maruti Suzuki India Ltd State Bank of India
   Fund Managers	Harshad Patwardhan Sanjay Bembalkar
   Fund Type	Open-ended

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3. 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	₹ 52.64 (as on 29th April, 2026)
   AUM	₹1,665.52 Crs
   Expense Ratio	2.46%
   Return 5 Years	18.59%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	10th June, 2014
   Asset Allocation	Equity: 99.04%, Debt: 0.37%, Others: 0.59%
   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 Multi Commodity Exchange Of India Ltd Eureka Forbes Ltd Amber Enterprises India Ltd Kaynes Technology India Ltd S.J.S Enterprises Ltd
   Fund Managers	Pratik Dharmshi Gaurav Chopra
   Fund Type	Open-ended

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4. 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	₹ 28.17 (as on 29th April, 2026)
   AUM	₹337.13 Crs
   Expense Ratio	3.17%
   Return 5 Years	15.63%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	5th December, 2018
   Asset Allocation	Equity: 96.96%, Debt: 0.09%, Others: 2.95%
   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 State Bank of India ICICI Bank Ltd Bharti Airtel Ltd NTPC Ltd Shriram Transport Finance Company Ltd Infosys Ltd Gabriel India Ltd
   Fund Managers	Vinod Malviya Gaurav Chopra
   Fund Type	Open-ended

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5. 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	₹ 15.89 (as on 29th April, 2026)
   AUM	₹177.42 Crs
   Expense Ratio	2.6%
   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: 97.92%, Debt: 0.09%, Others: 1.99%
   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 Repo Infosys Ltd Ami Organics Ltd Bharti Airtel Ltd Multi Commodity Exchange Of India Ltd Larsen & Toubro Ltd
   Fund Managers	Pratik Dharmshi Pratit Vajani
   Fund Type	Open-ended

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6. 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	₹ 25.44 (as on 29th April, 2026)
   AUM	₹832.94 Crs
   Expense Ratio	2.99%
   Return 5 Years	14.15%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	6th December, 2019
   Asset Allocation	Equity: 97.69%, Debt: 0.63%, Others: 1.68%
   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

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7. 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	₹ 49.87 (as on 29th April, 2026)
   AUM	₹2,078.58 Crs
   Expense Ratio	3.81%
   Return 5 Years	12.8%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	10th June, 2011
   Asset Allocation	Equity: 96.92%, Debt: 0.06%, Others: 3.02%
   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 Maruti Suzuki India Ltd Infosys Ltd Jio Financial Services Limited
   Fund Managers	Sanjay Bembalkar Vinod Malviya
   Fund Type	Open-ended

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8. 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	₹ 63.22 (as on 29th April, 2026)
   AUM	₹772.09 Crs
   Expense Ratio	2.54%
   Return 5 Years	13.41%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	23rd December, 2011
   Asset Allocation	Equity: 99.01%, Debt: 0.05%, Others: 0.94%
   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 Maruti Suzuki India Ltd
   Fund Managers	Sanjay Bembalkar Vinod Malviya
   Fund Type	Open-ended

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9. 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	₹ 17.92 (as on 29th April, 2026)
   AUM	₹652.00 Crs
   Expense Ratio	3.51%
   Return 5 Years	10.8%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	18th December, 2020
   Asset Allocation	Equity: 71.68%, Debt: 22.19%, Others: 6.13%
   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

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10. 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	₹ 22.89 (as on 29th April, 2026)
    AUM	₹402.94 Crs
    Expense Ratio	2.48%
    Return 5 Years	10.68%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
    Risk Level	Principal at very high risk
    Launch Date	11th May, 2017
    Asset Allocation	Equity: 98.88%, Debt: 0.07%, Others: 1.05%
    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 Larsen & Toubro Ltd Bharti Airtel Ltd Axis Bank Ltd Mahindra & Mahindra Ltd Bharat Electronics Ltd
    Fund Managers	Sanjay Bembalkar Pratik Dharmshi
    Fund Type	Open-ended

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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.

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)

12.54%

Equity Pension

14.2%

Opportunities Fund

18.89%

High Growth Fund

12.6%

Opportunities Fund

22%

Multi Cap Fund

14.33%

Accelerator Mid-Cap Fund II

16.05%

Multiplier

14.12%

Frontline Equity Fund

15.28%

Virtue II

10.51%

Equity II Fund

10.38%

Blue-Chip Equity Fund

14.95%

Growth Opportunities Plus Fund

11.38%

Equity Top 250 Fund

13.53%

Future Apex Fund

11.19%

Pension Dynamic Equity Fund

13.79%

Accelerator Fund

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.