Union Balanced Advantage Fund Direct-Growth
Hybrid: Dynamic Asset Allocation - Growth (Open ended)
SEBI Riskometer: Very HighCategory: Hybrid: Dynamic Asset AllocationBenchmark: NIFTY 50 Hybrid Composite Debt 50:50 IndexCheck Portfolio Overlap →
NAV: ₹21.23-0.84%
23 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Union Balanced Advantage Fund Direct-Growth.
Market Cap Distribution
Large Cap (56.3%)
Mid Cap (17.6%)
Small Cap (26.1%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 72.74% | 74.37% | 69.92% | 65.38% | 62.19% | 59.86% |
| Debt | 22.13% | 21.08% | 21.35% | 22.64% | 24.11% | 25.00% |
| Others (incl. cash) | 5.13% | 4.55% | 8.74% | 11.98% | 13.70% | 15.14% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
96
P/E Ratio
30.41
P/B Ratio
3.69
Top Holding %
5.13%
Top 5 Holdings %
19.55%
Top 10 Holdings %
30.12%
Modified Duration
2.64 yrs
Avg. Maturity
3.63 yrs
Yield to Maturity
7.13%
AUM
₹1,158 Cr
Expense Ratio
1.47%
Since Inception
8.91%
Max Drawdown
-0.24%
Sharpe Ratio
0.25
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 7,80,384 | 55.31 | 4.78% | 0.32%↑ |
| ICICI Bank Ltd. | Financial | 3,42,000 | 45.2 | 3.90% | -0.11%↓ |
| Bharti Airtel Ltd. | Communication | 1,90,631 | 33.49 | 2.89% | 0.10%↑ |
| Reliance Industries Ltd. | Energy | 2,77,580 | 32.95 | 2.85% | -0.01%↓ |
| State Bank of India | Financial | 2,43,806 | 23.39 | 2.02% | -0.06%↓ |
| Axis Bank Ltd. | Financial | 1,89,927 | 23.29 | 2.01% | 0.02%↑ |
| Eternal Ltd. | Services | 6,75,250 | 21.61 | 1.87% | 0.50%↑ |
| Gabriel India Ltd. | Automobile | 1,54,917 | 20.79 | 1.80% | 0.00% |
| Bajaj Finance Ltd. | Financial | 2,06,830 | 19.84 | 1.71% | -0.05%↓ |
| Dhoot Transmission Ltd. | Capital Goods | 1,10,329 | 16.43 | 1.42% | 0.69%↑ |
| Shriram Finance Ltd | Financial | 1,67,718 | 16.48 | 1.42% | -0.08%↓ |
| Engineers India Ltd. | Construction | 5,00,000 | 15.48 | 1.34% | 0.28%↑ |
| Clean Max Enviro Energy Solutions Ltd. | Energy | 1,13,580 | 15.07 | 1.30% | 0.16%↑ |
| Infosys Ltd. | Technology | 1,51,914 | 15.1 | 1.30% | -0.09%↓ |
| Kotak Mahindra Bank Ltd. | Financial | 3,56,000 | 14.85 | 1.28% | 0.08%↑ |
| RBL Bank Ltd. | Financial | 3,59,025 | 14.48 | 1.25% | 0.15%↑ |
| Dr. Lal Pathlabs Ltd. | Healthcare | 65,002 | 12.92 | 1.12% | 0.11%↑ |
| Larsen & Toubro Ltd. | Construction | 31,700 | 11.92 | 1.03% | -0.51%↓ |
| Sai Life Sciences Ltd. | Healthcare | 77,268 | 11.78 | 1.02% | 0.11%↑ |
| PNB Housing Finance Ltd. | Financial | 1,00,000 | 11.2 | 0.97% | 0.04%↑ |
1 / 4
Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 23.34% | 23.51% | 21.48% | 20.30% | 20.34% | 20.30% |
| Healthcare | 7.41% | 7.03% | 8.11% | 6.54% | 2.92% | 3.73% |
| Capital Goods | 6.69% | 5.99% | 4.33% | 5.25% | 5.16% | 4.61% |
| Services | 6.35% | 7.38% | 6.14% | 5.94% | 3.88% | 3.08% |
| Energy | 4.81% | 5.04% | 5.00% | 4.96% | 5.65% | 5.77% |
| Construction | 4.52% | 4.73% | 4.13% | 3.97% | 3.55% | 2.23% |
| Automobile | 4.28% | 6.37% | 6.02% | 4.92% | 4.51% | 5.93% |
| Technology | 4.12% | 3.30% | 2.60% | 2.12% | 3.03% | 2.91% |
| Communication | 2.89% | 2.79% | 3.71% | 2.70% | 2.77% | 2.73% |
| Consumer Staples | 2.83% | 3.25% | 3.29% | 3.62% | 3.44% | 2.42% |
| Chemicals | 1.99% | 2.03% | 2.36% | 2.33% | 2.96% | 2.32% |
| Consumer Discretionary | 1.06% | 1.10% | 1.05% | 0.53% | 0.57% | 0.57% |
| Materials | 0.68% | 0.66% | 0.69% | 0.65% | 1.31% | 1.24% |
| Metals & Mining | 0.66% | 0.64% | 0.43% | 0.93% | 1.58% | 1.52% |
| Insurance | 0.59% | - | - | - | 0.02% | - |
| Textiles | 0.52% | 0.55% | 0.58% | 0.62% | 0.50% | 0.50% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AAA | 16.72% | 8.73% |
| A1+ | 4.37% | 1.87% |
| Cash & Call Money | 3.61% | 8.10% |
| Cash | 1.52% | 4.49% |
| SOV | 1.04% | 7.34% |
| A | - | 0.01% |
| A+ | - | 0.04% |
| A- | - | 0.10% |
| AA | - | 0.88% |
| AA+ | - | 1.76% |
| AA- | - | 0.24% |
| BBB+ | - | 0.06% |
| Others | - | 0.26% |
| Term Deposits | - | 0.02% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
47.2 / 100
Weighted average Value score is 47.2. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
59.9 / 100
Weighted average Price Momentum score is 59.9. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
68.2 / 100
Weighted average Quality score is 68.2. This indicates that portfolio has average quality using composite of quality measures.
QVM score
65.1 / 100
Weighted average QVM score is 65.1. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Debenture | 7.62% | 10/05/2029 | CRISIL AAA | 2.15% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.39% | 21/03/2030 | CRISIL AAA | 2.12% |
| Indian Railway Finance Corporation Ltd. | Bonds | 7.48% | 16/02/2034 | CRISIL AAA | 2.12% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 09/03/2027 | CRISIL A1+ | 2.10% |
| Power Grid Corporation Of India Ltd. | Bonds | 7.12% | 24/12/2034 | CRISIL AAA | 2.08% |
| Indian Railway Finance Corporation Ltd. | Bonds | 7.67% | 15/12/2033 | CRISIL AAA | 1.71% |
| Canara Bank | Certificate of Deposit | 0.00% | 11/03/2027 | CRISIL A1+ | 1.43% |
| National Bank For Agriculture & Rural Development | Debenture | 7.62% | 31/01/2028 | CRISIL AAA | 1.29% |
| National Bank For Agriculture & Rural Development | Debenture | 7.27% | 23/02/2029 | CRISIL AAA | 1.28% |
| Power Grid Corporation Of India Ltd. | Bonds | 7.35% | 12/03/2034 | CRISIL AAA | 1.26% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 01/10/2026 | SOV | 0.95% |
| REC Ltd. | Debenture | 7.71% | 31/10/2033 | CRISIL AAA | 0.86% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 08/03/2027 | IND A1+ | 0.84% |
| Indian Railway Finance Corporation Ltd. | Bonds | 7.25% | 17/01/2035 | CRISIL AAA | 0.84% |
| Power Finance Corporation Ltd. | Debenture | 7.44% | 15/07/2034 | CRISIL AAA | 0.84% |
| National Bank For Agriculture & Rural Development | Bonds | 7.53% | 24/03/2028 | [ICRA]AAA | 0.17% |
| Reserve Bank of India | Treasury Bills | 0.00% | 24/12/2026 | SOV | 0.09% |
Frequently Asked Questions
What are the top holdings of Union Balanced Advantage Fund Direct-Growth?
The top holdings of Union Balanced Advantage Fund Direct-Growth as of 30 Sep 2026 are Others (5.13%), HDFC Bank Ltd. (4.78%), ICICI Bank Ltd. (3.90%), Bharti Airtel Ltd. (2.89%), Reliance Industries Ltd. (2.85%). These top 5 stocks together account for 19.55% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Union Balanced Advantage Fund Direct-Growth hold in its portfolio?
Union Balanced Advantage Fund Direct-Growth holds 96 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Union Balanced Advantage Fund Direct-Growth?
As of 30 Sep 2026, Union Balanced Advantage Fund Direct-Growth's top sector allocations are Financial (23.34%), Healthcare (7.41%), Capital Goods (6.69%). You can find detailed sector allocation above.
What is the equity and debt allocation of Union Balanced Advantage Fund Direct-Growth?
As of 30 Sep 2026, Union Balanced Advantage Fund Direct-Growth has 72.74% allocated to equity, and 22.13% to debt. You can also check the historical trends above.
What is the market cap allocation of Union Balanced Advantage Fund Direct-Growth?
As of 30 Sep 2026, Union Balanced Advantage Fund Direct-Growth's market cap allocation is 56.30% in large caps, 17.60% in mid caps, and 26.10% in small caps.
What is the PE ratio of Union Balanced Advantage Fund Direct-Growth's portfolio?
The portfolio PE ratio of Union Balanced Advantage Fund Direct-Growth is 30.41 as of 30 Sep 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Union Balanced Advantage Fund Direct-Growth?
As of 30 Sep 2026, Union Balanced Advantage Fund Direct-Growth's debt portfolio has 16.72% in AAA-rated instruments, - in AA-rated, and 1.04% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Union Balanced Advantage Fund Direct-Growth?
The latest portfolio disclosure for Union Balanced Advantage Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.