holdings

Union Equity Savings Fund Direct-Growth

Hybrid: Equity Savings - Growth (Open ended)

Union Equity Savings Fund Direct-GrowthNAV: 18.17 as on 16 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Hybrid: Equity SavingsBenchmark: CRISIL Equity Saving Index

NAV: ₹18.17-0.06%

16 Jul 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Union Equity Savings Fund Direct-Growth.

Asset Allocation

As on 30 Jun 2026

Equity

38.63%

Others

38.60%

Debt

22.77%

Market Cap Distribution

Large Cap (65.9%)

Mid Cap (17.2%)

Small Cap (17.0%)

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	38.63%	35.23%	34.39%	30.46%	34.52%	34.12%
Debt	22.77%	22.53%	21.66%	22.68%	22.05%	14.79%
Others (incl. cash)	38.60%	42.24%	43.95%	46.86%	43.43%	51.09%
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

P/E Ratio

26.20

P/B Ratio

3.27

Top Holding %

38.60%

Top 5 Holdings %

60.34%

Top 10 Holdings %

75.22%

Modified Duration

1.89 yrs

Avg. Maturity

2.42 yrs

Yield to Maturity

6.37%

AUM

₹141 Cr

Expense Ratio

2.07%

Since Inception

8.06%

Max Drawdown

-0.14%

Sharpe Ratio

0.34

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	68,154	5.44	3.84%	0.60%↑
Bajaj Finance Ltd.	Financial	51,750	5.2	3.68%	0.34%↑
Indus Towers Ltd.	Communication	1,12,200	4.39	3.11%	-0.42%↓
ICICI Bank Ltd.	Financial	28,694	3.95	2.79%	0.88%↑
NTPC Ltd.	Energy	1,05,000	3.74	2.65%	-0.24%↓
Patanjali Foods Ltd.	Consumer Staples	90,300	3.71	2.62%	-2.61%↓
Reliance Industries Ltd.	Energy	26,600	3.44	2.43%	-1.16%↓
Axis Bank Ltd.	Financial	23,179	3.12	2.21%	0.77%↑
Bandhan Bank Ltd.	Financial	1,40,400	2.87	2.03%	-0.05%↓
CG Power and Industrial Solutions Ltd.	Capital Goods	28,419	2.71	1.91%	0.06%↑
Kotak Mahindra Bank Ltd.	Financial	64,600	2.53	1.79%	0.02%↑
Grasim Industries Ltd.	Materials	7,750	2.4	1.70%	-0.02%↓
Varun Beverages Ltd.	Consumer Staples	44,787	2.27	1.61%	-
Bharti Airtel Ltd.	Communication	9,950	1.84	1.30%	-0.67%↓
State Bank of India	Financial	17,400	1.79	1.26%	0.07%↑
Glenmark Pharmaceuticals Ltd.	Healthcare	7,875	1.74	1.23%	-0.04%↓
DLF Ltd.	Construction	25,650	1.59	1.12%	0.08%↑
Tata Steel Ltd.	Metals & Mining	79,132	1.49	1.05%	-0.12%↓
Ujjivan Small Finance Bank Ltd.	Financial	2,50,000	1.48	1.04%	0.07%↑
Max Financial Services Ltd.	Financial	9,120	1.44	1.02%	-1.40%↓

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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 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Financial	12.12%	9.78%	10.87%	8.92%	10.14%	9.70%
Healthcare	3.68%	1.81%	1.77%	2.29%	2.33%	2.34%
Services	3.66%	1.93%	2.14%	1.66%	1.97%	1.70%
Energy	3.41%	4.07%	3.85%	3.21%	2.73%	2.76%
Capital Goods	3.39%	3.33%	3.37%	2.84%	2.48%	2.32%
Automobile	3.01%	2.94%	3.38%	3.03%	4.00%	3.87%
Construction	2.50%	3.03%	1.18%	1.06%	1.84%	1.93%
Consumer Staples	2.10%	1.69%	1.45%	1.34%	1.44%	1.46%
Technology	1.39%	1.96%	1.96%	2.07%	2.39%	3.36%
Communication	1.28%	1.24%	1.30%	1.27%	1.27%	1.37%
Chemicals	1.04%	1.33%	0.97%	0.84%	0.82%	0.83%
Metals & Mining	0.40%	0.92%	0.90%	0.82%	0.99%	0.95%
Textiles	0.38%	0.30%	0.30%	0.26%	0.27%	0.24%
Materials	0.27%	0.39%	0.41%	0.39%	0.45%	0.45%
Consumer Discretionary	-	0.51%	0.54%	0.46%	0.77%	0.24%

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
Cash	28.43%	28.30%
AAA	17.74%	5.11%
Cash & Call Money	10.17%	13.21%
SOV	5.03%	8.65%
A+	-	0.16%
A1+	-	3.57%
AA	-	0.66%
AA+	-	1.03%
AA-	-	0.12%
D	-	10.07%
Others	-	0.41%
Term Deposits	-	0.15%

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

Score not available.

Price Momentum score

Score not available.

Quality score

Score not available.

QVM score

Score not available.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
Varun Beverages Ltd.	-1.69

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Grasim Industries Ltd.	2.2
JSW Energy Ltd.	2.5
Interglobe Aviation Ltd.	11.15
Clean Max Enviro Energy Solutions Ltd.	2.73

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
Power Finance Corporation Ltd.	Bonds	7.44%	15/01/2030	CRISIL AAA	7.14%
National Bank For Agriculture & Rural Development	Debenture	7.27%	23/02/2029	CRISIL AAA	7.08%
Indian Railway Finance Corporation Ltd.	Bonds	7.25%	17/01/2035	CRISIL AAA	3.52%
Reserve Bank of India	Treasury Bills	0.00%	91-D 20/08/2026	SOV	2.81%
Reserve Bank of India	Treasury Bills	0.00%	364-D 09/07/2026	SOV	2.22%

Frequently Asked Questions

What are the top holdings of Union Equity Savings Fund Direct-Growth?

The top holdings of Union Equity Savings Fund Direct-Growth as of 30 Jun 2026 are Others (38.60%), Power Finance Corporation Ltd. (7.14%), National Bank For Agriculture & Rural Development (7.08%), HDFC Bank Ltd. (3.84%), Bajaj Finance Ltd. (3.68%). These top 5 stocks together account for 60.34% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does Union Equity Savings Fund Direct-Growth hold in its portfolio?

Union Equity Savings Fund Direct-Growth holds 82 stocks in its portfolio as of 30 Jun 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 Equity Savings Fund Direct-Growth?

As of 30 Jun 2026, Union Equity Savings Fund Direct-Growth's top sector allocations are Financial (12.12%), Healthcare (3.68%), Services (3.66%). You can find detailed sector allocation above.

What is the equity and debt allocation of Union Equity Savings Fund Direct-Growth?

As of 30 Jun 2026, Union Equity Savings Fund Direct-Growth has 38.63% allocated to equity, and 22.77% to debt. You can also check the historical trends above.

What is the market cap allocation of Union Equity Savings Fund Direct-Growth?

As of 30 Jun 2026, Union Equity Savings Fund Direct-Growth's market cap allocation is 65.88% in large caps, 17.17% in mid caps, and 16.96% in small caps.

What is the PE ratio of Union Equity Savings Fund Direct-Growth's portfolio?

The portfolio PE ratio of Union Equity Savings Fund Direct-Growth is 26.20 as of 30 Jun 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 Equity Savings Fund Direct-Growth?

As of 30 Jun 2026, Union Equity Savings Fund Direct-Growth's debt portfolio has 17.74% in AAA-rated instruments, - in AA-rated, and 5.03% 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 Equity Savings Fund Direct-Growth?

The latest portfolio disclosure for Union Equity Savings Fund Direct-Growth is as of 30 Jun 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.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

38.63%

35.23%

34.39%

30.46%

34.52%

34.12%

Debt

22.77%

22.53%

21.66%

22.68%

22.05%

14.79%

Others (incl. cash)

38.60%

42.24%

43.95%

46.86%

43.43%

51.09%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

HDFC Bank Ltd.

Financial

68,154

5.44

3.84%

0.60%↑

Bajaj Finance Ltd.

Financial

51,750

5.2

3.68%

0.34%↑

Indus Towers Ltd.

Communication

1,12,200

4.39

3.11%

-0.42%↓

ICICI Bank Ltd.

Financial

28,694

3.95

2.79%

0.88%↑

NTPC Ltd.

Energy

1,05,000

3.74

2.65%

-0.24%↓

Patanjali Foods Ltd.

Consumer Staples

90,300

3.71

2.62%

-2.61%↓

Reliance Industries Ltd.

Energy

26,600

3.44

2.43%

-1.16%↓

Axis Bank Ltd.

Financial

23,179

3.12

2.21%

0.77%↑

Bandhan Bank Ltd.

Financial

1,40,400

2.87

2.03%

-0.05%↓

CG Power and Industrial Solutions Ltd.

Capital Goods

28,419

2.71

1.91%

0.06%↑

Kotak Mahindra Bank Ltd.

Financial

64,600

2.53

1.79%

0.02%↑

Grasim Industries Ltd.

Materials

7,750

2.4

1.70%

-0.02%↓

Varun Beverages Ltd.

Consumer Staples

44,787

2.27

1.61%

Bharti Airtel Ltd.

Communication

9,950

1.84

1.30%

-0.67%↓

State Bank of India

Financial

17,400

1.79

1.26%

0.07%↑

Glenmark Pharmaceuticals Ltd.

Healthcare

7,875

1.74

1.23%

-0.04%↓

DLF Ltd.

Construction

25,650

1.59

1.12%

0.08%↑

Tata Steel Ltd.

Metals & Mining

79,132

1.49

1.05%

-0.12%↓

Ujjivan Small Finance Bank Ltd.

Financial

2,50,000

1.48

1.04%

0.07%↑

Max Financial Services Ltd.

Financial

9,120

1.44

1.02%

-1.40%↓

Sector

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Financial

12.12%

9.78%

10.87%

8.92%

10.14%

9.70%

Healthcare

3.68%

1.81%

1.77%

2.29%

2.33%

2.34%

Services

3.66%

1.93%

2.14%

1.66%

1.97%

1.70%

Energy

3.41%

4.07%

3.85%

3.21%

2.73%

2.76%

Capital Goods

3.39%

3.33%

3.37%

2.84%

2.48%

2.32%

Automobile

3.01%

2.94%

3.38%

3.03%

4.00%

3.87%

Construction

2.50%

3.03%

1.18%

1.06%

1.84%

1.93%

Consumer Staples

2.10%

1.69%

1.45%

1.34%

1.44%

1.46%

Technology

1.39%

1.96%

2.07%

2.39%

3.36%

Communication

1.28%

1.24%

1.30%

1.27%

1.37%

Chemicals

1.04%

1.33%

0.97%

0.84%

0.82%

0.83%

Metals & Mining

0.40%

0.92%

0.90%

0.82%

0.99%

0.95%

Textiles

0.38%

0.30%

0.26%

0.27%

0.24%

Materials

0.27%

0.39%

0.41%

0.39%

0.45%

Consumer Discretionary

0.51%

0.54%

0.46%

0.77%

0.24%

Rating

Fund