Union Consumption Fund Direct Growth

Fund Overview

Fund Size

₹322 Cr

Expense Ratio

1.22%

ISIN

INF582M01MH3

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

22 Dec 2025

About this fund

Union Consumption Fund Direct Growth is a Equity - Consumption mutual fund schemes offered by Union Mutual Fund. This fund has been in existence for 2 months and 11 days, having been launched on 22-Dec-25.
As of 04-Mar-26, it has a Net Asset Value (NAV) of ₹9.03, Assets Under Management (AUM) of 321.74 Crores, and an expense ratio of 1.22%.

Union Consumption Fund Direct Growth has given a CAGR return of -9.70% since inception.
The fund's asset allocation comprises around 91.08% in equities, 0.00% in debts, and 8.92% in cash & cash equivalents.
You can start investing in Union Consumption Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

Since Inception

-9.70%

— (Cat Avg.)

Portfolio Summaryas of 31st January 2026

Equity	₹293.06 Cr	91.08%
Others	₹28.68 Cr	8.92%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Treps	Cash - Repurchase Agreement	₹30.44 Cr	9.46%
Bharti Airtel Ltd	Equity	₹22.96 Cr	7.13%
Mahindra & Mahindra Ltd	Equity	₹18.58 Cr	5.78%
Maruti Suzuki India Ltd	Equity	₹16.58 Cr	5.15%
Eternal Ltd	Equity	₹15.73 Cr	4.89%
Titan Co Ltd	Equity	₹13.28 Cr	4.13%
Tata Consumer Products Ltd	Equity	₹12.97 Cr	4.03%
Hindustan Unilever Ltd	Equity	₹10.2 Cr	3.17%
Britannia Industries Ltd	Equity	₹9.96 Cr	3.10%
TVS Motor Co Ltd	Equity	₹8.2 Cr	2.55%
Hero MotoCorp Ltd	Equity	₹7.86 Cr	2.44%
Eicher Motors Ltd	Equity	₹7.73 Cr	2.40%
LG Electronics India Ltd	Equity	₹7.43 Cr	2.31%
Info Edge (India) Ltd	Equity	₹7.15 Cr	2.22%
Marico Ltd	Equity	₹7.08 Cr	2.20%
SBI Life Insurance Co Ltd	Equity	₹6.89 Cr	2.14%
Tata Motors Ltd	Equity	₹6.23 Cr	1.94%
CarTrade Tech Ltd	Equity	₹5.87 Cr	1.82%
Vishal Mega Mart Ltd	Equity	₹5.86 Cr	1.82%
Arvind Fashions Ltd	Equity	₹5.53 Cr	1.72%
Phoenix Mills Ltd	Equity	₹5.53 Cr	1.72%
DOMS Industries Ltd	Equity	₹5.47 Cr	1.70%
Metro Brands Ltd	Equity	₹5.41 Cr	1.68%
FSN E-Commerce Ventures Ltd	Equity	₹5.3 Cr	1.65%
Blue Star Ltd	Equity	₹4.91 Cr	1.52%
Zydus Wellness Ltd	Equity	₹4.77 Cr	1.48%
JSW Energy Ltd	Equity	₹4.6 Cr	1.43%
Max Healthcare Institute Ltd Ordinary Shares	Equity	₹4.59 Cr	1.43%
Indian Hotels Co Ltd	Equity	₹4.55 Cr	1.41%
Ather Energy Ltd	Equity	₹4.47 Cr	1.39%
One97 Communications Ltd	Equity	₹4.32 Cr	1.34%
Indigo Paints Ltd Ordinary Shares	Equity	₹4.26 Cr	1.32%
ITC Ltd	Equity	₹4.01 Cr	1.25%
Radico Khaitan Ltd	Equity	₹3.96 Cr	1.23%
ICICI Bank Ltd	Equity	₹3.83 Cr	1.19%
Kotak Mahindra Bank Ltd	Equity	₹3.77 Cr	1.17%
Meesho Ltd	Equity	₹3.48 Cr	1.08%
Trent Ltd	Equity	₹3.29 Cr	1.02%
Jubilant Foodworks Ltd	Equity	₹2.98 Cr	0.93%
Affle 3i Ltd	Equity	₹2.94 Cr	0.91%
Eureka Forbes Ltd	Equity	₹2.03 Cr	0.63%
Swiggy Ltd	Equity	₹1.95 Cr	0.61%
V-Mart Retail Ltd	Equity	₹1.89 Cr	0.59%
Net Receivable / Payable	Cash - Collateral	₹-1.76 Cr	0.55%
Urban Co Ltd	Equity	₹1.57 Cr	0.49%
Bajaj Finance Ltd	Equity	₹1.54 Cr	0.48%
Safari Industries (India) Ltd	Equity	₹1.52 Cr	0.47%

Allocation By Market Cap (Equity)

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Consumer Cyclical	₹148.35 Cr	46.11%
Consumer Defensive	₹52.95 Cr	16.46%
Communication Services	₹33.04 Cr	10.27%
Financial Services	₹16.05 Cr	4.99%
Technology	₹13.32 Cr	4.14%
Industrials	₹10.37 Cr	3.22%
Real Estate	₹5.53 Cr	1.72%
Utilities	₹4.6 Cr	1.43%
Healthcare	₹4.59 Cr	1.43%
Basic Materials	₹4.26 Cr	1.32%

Risk & Performance Ratios

Fund Managers

Sanjay Bembalkar

Since December 2025

Vinod Malviya

Since December 2025

Additional Scheme Detailsas of 31st January 2026

ISIN

INF582M01MH3

Expense Ratio

1.22%

Exit Load

1.00%

Fund Size

₹322 Cr

Age

2 months

Lumpsum Minimum

₹1,000

Fund Status

Open Ended Investment Company

Benchmark

Nifty India Consumption TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Equity - Consumption Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Kotak NIFTY India Consumption ETF Very High Risk	0.1%	-	₹33.35 Cr	11.7%
WhiteOak Capital Consumption Opportunities Fund Direct Growth Very High Risk	-	1.0%	-	-
WhiteOak Capital Consumption Opportunities Fund Regular Growth Very High Risk	-	1.0%	-	-
Union Consumption Fund Regular Growth Very High Risk	2.5%	1.0%	₹321.74 Cr	-
Union Consumption Fund Direct Growth Very High Risk	1.2%	1.0%	₹321.74 Cr	-
LIC MF Consumption Fund Regular Growth Very High Risk	2.4%	1.0%	₹498.63 Cr	-
LIC MF Consumption Fund Direct Growth Very High Risk	0.8%	1.0%	₹498.63 Cr	-
Invesco India Consumption Fund Regular Growth Very High Risk	2.4%	0.0%	₹523.48 Cr	-
Invesco India Consumption Fund Direct Growth Very High Risk	0.7%	0.0%	₹523.48 Cr	-
Motilal Oswal Consumption Fund Direct Growth Very High Risk	0.4%	1.0%	₹1055.15 Cr	-
Motilal Oswal Consumption Fund Regular Growth Very High Risk	2.1%	1.0%	₹1055.15 Cr	-
ITI Bharat Consumption Fund Regular Growth Very High Risk	2.4%	0.0%	₹347.80 Cr	6.2%
ITI Bharat Consumption Fund Direct Growth Very High Risk	0.8%	0.0%	₹347.80 Cr	8.1%
Edelweiss Consumption Fund Regular Growth Very High Risk	2.4%	1.0%	₹480.54 Cr	8.1%
Edelweiss Consumption Fund Direct Growth Very High Risk	0.8%	1.0%	₹480.54 Cr	9.9%
ICICI Prudential Nifty FMCG ETF Very High Risk	0.2%	-	₹765.93 Cr	-0.2%
Bank of India Consumption Fund Direct Growth Very High Risk	1.1%	1.0%	₹377.95 Cr	15.4%
Bank of India Consumption Fund Regular Growth Very High Risk	2.3%	1.0%	₹377.95 Cr	14.2%
Bajaj Finserv Consumption Fund Regular Growth Very High Risk	2.4%	1.0%	₹611.11 Cr	1.0%
Bajaj Finserv Consumption Fund Direct Growth Very High Risk	0.7%	1.0%	₹611.11 Cr	2.6%
SBI Nifty India Consumption Index Fund Regular Growth Very High Risk	0.9%	0.0%	₹279.83 Cr	10.1%
SBI Nifty India Consumption Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹279.83 Cr	10.6%
Axis Consumption Fund Direct Growth Very High Risk	0.6%	1.0%	₹3151.49 Cr	7.4%
Axis Consumption Fund Regular Growth Very High Risk	1.9%	1.0%	₹3151.49 Cr	5.9%
Quant Consumption Fund Regular Growth Very High Risk	2.4%	1.0%	₹196.67 Cr	-3.8%
Quant Consumption Fund Direct Growth Very High Risk	0.9%	1.0%	₹196.67 Cr	-2.4%
ICICI Prudential Bharat Consumption Fund Regular Growth Very High Risk	2.0%	1.0%	₹3075.94 Cr	6.3%
Kotak Consumption Fund Regular Growth Very High Risk	2.1%	0.0%	₹1646.42 Cr	10.1%
Kotak Consumption Fund Direct Growth Very High Risk	0.6%	0.0%	₹1646.42 Cr	11.8%
HSBC Consumption Fund Direct Growth Very High Risk	0.9%	1.0%	₹1676.57 Cr	9.2%
HSBC Consumption Fund Regular Growth Very High Risk	2.1%	1.0%	₹1676.57 Cr	7.8%
Mirae Asset Great Consumer Fund Direct Growth Very High Risk	0.4%	1.0%	₹4386.24 Cr	9.5%
Nippon India Consumption Fund Direct Growth Very High Risk	0.6%	1.0%	₹2520.75 Cr	5.0%
SBI Consumption Opportunities Fund Regular Growth Very High Risk	2.0%	0.0%	₹2930.06 Cr	1.7%
Mirae Asset Great Consumer Fund Regular Growth Very High Risk	1.8%	1.0%	₹4386.24 Cr	8.0%
Axis NIFTY India Consumption ETF Very High Risk	0.4%	-	₹13.00 Cr	10.7%
UTI India Consumer Fund Regular Growth Very High Risk	2.5%	1.0%	₹683.25 Cr	8.7%
HDFC Non-Cyclical Consumer Fund Direct Growth Very High Risk	1.1%	1.0%	₹1009.59 Cr	5.3%
HDFC Non-Cyclical Consumer Fund Regular Growth Very High Risk	2.3%	1.0%	₹1009.59 Cr	4.1%
UTI India Consumer Fund Direct Growth Very High Risk	1.6%	1.0%	₹683.25 Cr	9.6%
Aditya Birla Sun Life India GenNext Fund Direct Growth Very High Risk	0.8%	1.0%	₹6141.19 Cr	9.1%
Mahindra Manulife Consumption Fund Direct Growth Very High Risk	0.7%	1.0%	₹511.89 Cr	8.0%
Mahindra Manulife Consumption Fund Regular Growth Very High Risk	2.4%	1.0%	₹511.89 Cr	6.2%
Canara Robeco Consumer Trends Fund Direct Growth Very High Risk	0.8%	1.0%	₹1909.58 Cr	8.5%
SBI Consumption Opportunities Fund Direct Growth Very High Risk	0.9%	0.0%	₹2930.06 Cr	2.8%
Sundaram Consumption Fund Direct Growth Very High Risk	1.2%	0.0%	₹1460.62 Cr	3.9%
Tata India Consumer Fund Regular Growth Very High Risk	2.0%	0.0%	₹2531.65 Cr	4.5%
Tata India Consumer Fund Direct Growth Very High Risk	0.8%	0.0%	₹2531.65 Cr	5.8%
Canara Robeco Consumer Trends Fund Regular Growth Very High Risk	2.1%	1.0%	₹1909.58 Cr	7.1%
Nippon India ETF Consumption Very High Risk	0.3%	-	₹192.93 Cr	10.7%

About the AMC

Union Mutual Fund

+91 022 67483333

https://www.unionmf.com/

Total AUM

₹26,737 Cr

Address

Unit 802, 8th Floor, Tower ‘A’, Mumbai, 400013

Other Funds by Union Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Union Consumption Fund Direct Growth Very High Risk	1.2%	1.0%	₹321.74 Cr	-
Union Diversified Equity All Cap Active FOF Direct Growth Very High Risk	0.5%	1.0%	₹189.82 Cr	-
Union Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹1112.28 Cr	-
Union Income Plus Arbitrage Active FOF Direct Growth Low to Moderate Risk	0.1%	0.0%	₹100.86 Cr	-
Union Gold ETF Fund of Fund Direct Growth High Risk	0.3%	1.0%	₹163.31 Cr	79.7%
Union Short Duration Fund Direct Growth Low Risk	0.3%	0.0%	₹199.41 Cr	7.3%
Union Active Momentum Fund Direct Growth Very High Risk	1.0%	1.0%	₹436.13 Cr	9.6%
Union Multi Asset Allocation Fund Direct Growth Very High Risk	1.0%	1.0%	₹908.54 Cr	29.3%
Union Business Cycle Fund Direct Growth Very High Risk	1.6%	1.0%	₹519.33 Cr	15.3%
Union Children's Fund Direct Growth Very High Risk	1.2%	0.0%	₹79.70 Cr	14.6%
Union Innovation & Opportunities Fund Direct Growth Very High Risk	0.8%	1.0%	₹1048.95 Cr	10.7%
Union Fixed Maturity Plan 1114 Days Series 13 Direct Growth Low Risk	-	0.0%	₹25.17 Cr	6.6%
Union Small Cap Fund Direct Growth Very High Risk	1.0%	1.0%	₹1697.19 Cr	21.9%
Union Hybrid Equity Fund Direct Growth Very High Risk	1.3%	1.0%	₹683.35 Cr	13.7%
Union Medium Duration Fund Direct Growth Moderate Risk	0.6%	1.0%	₹80.25 Cr	8.2%
Union Value Discovery Fund Direct Growth Very High Risk	1.3%	1.0%	₹367.23 Cr	17.7%
Union Multicap Fund Direct Growth Very High Risk	1.0%	1.0%	₹1289.64 Cr	17.4%
Union Balanced Advantage Fund Direct Growth Very High Risk	1.0%	1.0%	₹1301.37 Cr	10.4%
Union Equity Savings Fund Direct Growth Moderate Risk	1.5%	1.0%	₹142.72 Cr	7.5%
Union Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹289.52 Cr	6.5%
Union Tax Saver (ELSS) Fund Direct Growth Very High Risk	1.3%	0.0%	₹869.66 Cr	14.0%
Union Dynamic Bond Fund Direct Growth Moderate Risk	1.3%	1.0%	₹101.58 Cr	3.6%
Union Flexi Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹2320.45 Cr	13.5%
Union Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹7388.78 Cr	6.4%
Union Midcap Fund Direct Growth Very High Risk	0.7%	1.0%	₹1598.18 Cr	21.3%
Union Gilt Fund Direct Growth Moderate Risk	0.7%	0.0%	₹105.58 Cr	3.0%
Union Largecap Fund Direct Growth Very High Risk	1.7%	1.0%	₹457.60 Cr	11.7%
Union Retirement Fund Direct Growth Very High Risk	1.1%	0.0%	₹190.10 Cr	17.8%
Union Corporate Bond Fund Direct Growth Moderate Risk	0.4%	1.0%	₹604.58 Cr	7.4%
Union Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹404.90 Cr	5.6%
Union Focused Fund Direct Growth Very High Risk	1.5%	1.0%	₹408.60 Cr	15.3%
Union Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹155.33 Cr	7.0%
Union Large & Midcap Fund Direct Growth Very High Risk	1.0%	1.0%	₹913.94 Cr	16.8%

Risk Level

Your principal amount will be at Very High Risk

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What is the current NAV of Union Consumption Fund Direct Growth?

The NAV of Union Consumption Fund Direct Growth, as of 04-Mar-2026, is ₹9.03.

What is the portfolio composition of Union Consumption Fund Direct Growth?

The fund's allocation of assets is distributed as 91.08% in equities, 0.00% in bonds, and 8.92% in cash and cash equivalents.

Who manages the Union Consumption Fund Direct Growth?

The fund managers responsible for Union Consumption Fund Direct Growth are:-

Sanjay Bembalkar
Vinod Malviya

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Union Consumption Fund Direct Growth

Fund Overview