Union Children's Fund vs Union Value Fund
Direct Plan, Growth option · Data as on 30-10-2026
Union Children's Fund is a Solution fund and Union Value Fund is a Value and Contra fund. In the year to 30-10-2026, Union Children's Fund (Direct) returned −5.7% and Union Value Fund (Direct) returned −6.9%. Union Children's Fund charges 1.45% a year and Union Value Fund 1.51% (Direct plans). Their portfolios overlap 48.0%: they hold 36 of the same securities.
Which is better, Union Children's or Union Value? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Union Children's returned more over 1 year: −5.7% against −6.9%.
- Union Children's costs less: 1.45% a year against 1.51% (Direct plans).
- Union Children's fell less in its worst fall since 21-12-2023: −17.4% against −17.9%.
- Union Value holds more in large companies: 55.5% of the fund in large caps against 37.1%.
- Union Value is the larger fund: ₹378 Cr against ₹91 Cr.
- Their portfolios overlap 48.0%: 36 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Union Children's Fund | Union Value Fund |
|---|---|---|
| Fund house | Union Mutual Fund | Union Mutual Fund |
| Category | Solution | Value and Contra |
| AUM | ₹91 Cr (30-09-2026) | ₹378 Cr (30-09-2026) |
| NAV | ₹12.41 (Direct) | ₹28.96 (Direct) |
| Expense ratio (Direct) | 1.45% | 1.51% |
| Expense ratio (Regular) | 2.60% | 2.56% |
| Riskometer | Very High | Very High |
| Benchmark | BSE 500 TRI | BSE 500 TRI |
| Launch date | 19-12-2023 | 05-12-2018 |
| Minimum investment | ₹1,000 | ₹1,000 |
| Lock in | 5 years, or until the child turns 18 if earlier | None |
| Fund managers | Gaurav Chopra, Vinod Malviya, Parijat Agrawal | Vinod Malviya, Gaurav Chopra |
| Exit load | Nil | Exit load of 1%, if redeemed within 15 days. |
Union Children's vs Union Value: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Union Children's Fund (Direct) | −2.59% | −5.41% | −1.04% | −5.70% | -- | -- | -- |
| Union Value Fund (Direct) | −2.10% | −6.46% | −3.53% | −6.91% | +10.89% | +10.75% | -- |
| Value and Contra average | −2.09% | −5.76% | −3.23% | −5.72% | +11.83% | +11.08% | -- |
Category average: the average of the 30 Value and Contra funds, same plan type.
Union Children's vs Union Value: Year-wise Returns
| Year | Children'sUnion Children's | ValueUnion Value | BSE 500 TRI |
|---|---|---|---|
| 2026to date | −4.90% | −6.82% | −7.81% |
| 2025 | +6.53% | +7.95% | +7.63% |
| 2024 | +21.29% | +17.94% | +15.81% |
| 2023 | -- | +34.56% | +26.55% |
| 2022 | -- | +5.90% | +4.77% |
| 2021 | -- | +33.20% | +31.63% |
Union Children's vs Union Value: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 457 of them, one for each trading day from 23-12-2024 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Union Children's Fund (Direct)
Union Value Fund (Direct)
BSE 500 TRI
to
Feb 2025Jun 2024
to
Jun 2025Oct 2024
to
Oct 2025Jan 2025
to
Jan 2026May 2025
to
May 2026Sept 2025
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Union Children's | 7.4 | 33.3 | 35.2 | 17.3 | 4.6 | 2.2 | 0.0 | 6.8% | 6.9% | −7.4% | 23.8% | 94% |
| Union Value | 13.3 | 35.7 | 33.3 | 11.4 | 5.7 | 0.7 | 0.0 | 5.5% | 5.1% | −7.5% | 20.4% | 90% |
| BSE 500 TRI | 26.7 | 31.1 | 31.5 | 7.7 | 3.1 | 0.0 | 0.0 | 3.9% | 3.5% | −9.2% | 18.2% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is BSE 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 21-12-2023. Past returns do not promise future returns.
Union Children's vs Union Value: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 21-12-2023 to 30-10-2026: 35 instalments, ₹3,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Union Children'sUnion Children's Fund (Direct) | ₹3,50,000 | ₹3,62,458 | ₹12,458 | 2.4% |
| Union ValueUnion Value Fund (Direct) | ₹3,50,000 | ₹3,54,725 | ₹4,725 | 0.9% |
Union Children'sUnion Children's Fund (Direct)
Union ValueUnion Value Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Union Children's vs Union Value: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Union Children's Fund (Direct) | Union Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.70% | −6.91% |
| Standard deviation | 15.40% | 14.74% |
| Sharpe ratio | -0.71 | -0.82 |
| Sortino ratio | -0.95 | -1.10 |
| Maximum drawdown | −13.9% (23-03-2026) | −12.8% (31-03-2026) |
| Beta | 1.04 | 1.01 |
| Alpha | +2.47% | +0.85% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Union Children's Fund (Direct) | Union Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.96% | +14.30% |
| Standard deviation | 14.54% | 16.90% |
| Sharpe ratio | 0.14 | 0.54 |
| Sortino ratio | 0.18 | 0.72 |
| Maximum drawdown | −17.4% (03-03-2025) | −37.7% (23-03-2020) |
| Beta | 0.98 | 0.97 |
| Alpha | +2.04% | +1.44% |
From daily NAVs, 21-12-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Union Children's Fund (Direct)
Union Value Fund (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Union Children's Fund (Direct) | −17.4% | 23-09-2024 | 03-03-2025 | 16-09-2025 | 6 months | −8.6% |
| Union Value Fund (Direct) | −17.9% | 23-09-2024 | 03-03-2025 | 10-07-2025 | 4 months | −8.5% |
| BSE 500 TRI | −18.7% | 26-09-2024 | 28-02-2025 | Not yet | -- | −9.4% |
From daily values since 21-12-2023, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Union Children's Fund (Direct)
Union Value Fund (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Union Children's Fund (Direct) | 104% | 91% | 3.73% |
| Union Value Fund (Direct) | 99% | 92% | 3.84% |
From month-end values since 21-12-2023. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Union Children's vs Union Value: Portfolio Overlap
From each fund's latest monthly portfolio: Union Children's Fund, September 2026; Union Value Fund, September 2026
Holdings in common
- Overlap
- 48.0%
- Held by both
- 36
- Only in Union Children's
- 35
- Only in Union Value
- 35
| Security | % of Union Children's | % of Union Value |
|---|---|---|
| HDFC Bank Ltd. | 3.57% | 4.12% |
| ICICI Bank Ltd. | 3.42% | 6.44% |
| Axis Bank Ltd. | 4.09% | 3.21% |
| Reliance Industries Ltd. | 2.85% | 3.75% |
| Bharti Airtel Ltd. | 2.41% | 2.98% |
| Gabriel India Ltd. | 1.96% | 2.02% |
| State Bank of India | 1.80% | 2.93% |
| Shriram Finance Ltd. | 1.74% | 2.73% |
| Nippon Life India Asset Management Ltd. | 1.69% | 1.67% |
| Ajanta Pharma Ltd. | 2.46% | 1.64% |
| Ujjivan Small Finance Bank Ltd. | 1.80% | 1.64% |
| RBL Bank Ltd. | 1.82% | 1.60% |
| Aarti Industries Ltd. | 1.66% | 1.30% |
| Mphasis Ltd. | 1.77% | 1.27% |
| Larsen & Toubro Ltd. | 1.27% | 2.16% |
| The Federal Bank Ltd. | 1.33% | 1.21% |
| Jindal Steel Ltd. | 1.18% | 1.92% |
| Voltamp Transformers Ltd. | 1.43% | 1.16% |
| Max Financial Services Ltd. | 1.54% | 1.11% |
| The Phoenix Mills Ltd. | 1.09% | 1.66% |
| Info Edge (India) Ltd. | 1.03% | 1.49% |
| Tata Motors Ltd. | 1.02% | 1.12% |
| Infosys Ltd. | 1.14% | 0.95% |
| Arvind Fashions Ltd. | 0.92% | 0.95% |
| Maruti Suzuki India Ltd. | 0.87% | 2.00% |
| Berger Paints India Ltd. | 0.82% | 1.09% |
| Hindustan Unilever Ltd. | 1.03% | 0.80% |
| HDFC Life Insurance Company Ltd. | 0.78% | 0.79% |
| Inventurus Knowledge Solutions Ltd. | 1.44% | 0.74% |
| Gokaldas Exports Ltd. | 1.45% | 0.71% |
| Power Mech Projects Ltd. | 0.69% | 1.51% |
| Tech Mahindra Ltd. | 0.67% | 2.19% |
| Bharat Heavy Electricals Ltd. | 1.40% | 0.55% |
| Prestige Estates Projects Ltd. | 0.72% | 0.27% |
| 91 Day Treasury Bills | 0.06% | 0.05% |
| 91 Day Treasury Bills | 0.05% | 0.03% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 48.0% means 48.0% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Union Children's Fund
| Security | % of fund |
|---|---|
| One 97 Communications Ltd. | 2.64% |
| IPCA Laboratories Ltd. | 2.27% |
| Aether Industries Ltd. | 2.09% |
| JSW Energy Ltd. | 1.80% |
| S.J.S. Enterprises Ltd. | 1.78% |
Largest holdings only in Union Value Fund
| Security | % of fund |
|---|---|
| NTPC Ltd. | 2.21% |
| Kirloskar Oil Engines Ltd. | 1.62% |
| V-Mart Retail Ltd. | 1.47% |
| Carborundum Universal Ltd. | 1.41% |
| Torrent Pharmaceuticals Ltd. | 1.40% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Union Children's | Union Value |
|---|---|---|
| Equity | 96.0% | 96.3% |
| Debt | 0.1% | 0.1% |
| Cash and others | 3.9% | 3.6% |
Market cap of stocks
| Market cap | Union Children's | Union Value |
|---|---|---|
| Large Cap | 37.1% | 55.5% |
| Mid Cap | 29.4% | 14.6% |
| Small Cap | 29.4% | 25.4% |
| Not on AMFI's list | 0.0% | 0.8% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Union Children's | Union Value |
|---|---|---|
| Banks | 20.6% | 21.1% |
| Pharmaceuticals & Biotechnology | 7.3% | 5.6% |
| IT - Software | 4.2% | 6.9% |
| Auto Components | 6.3% | 4.1% |
| Chemicals & Petrochemicals | 6.0% | 1.3% |
| Construction | 2.0% | 5.6% |
| Electrical Equipment | 5.3% | 1.7% |
| Consumer Durables | 4.7% | 2.6% |
| Petroleum Products | 2.9% | 4.5% |
The six largest sectors of each fund's stocks, % of the fund.
Union Children's vs Union Value: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Union Children's Fund | Union Value Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.45% | 1.51% |
| Base expense ratio (Direct) | 1.11% | 1.08% |
| Total expense ratio (Regular) | 2.60% | 2.56% |
| Base expense ratio (Regular) | 2.10% | 2.10% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Union Children's Fund vs Union Value Fund: Frequently Asked Questions
What is the difference between Union Children's Fund and Union Value Fund?
Union Children's Fund is a Solution fund, Union Value Fund is a Value and Contra fund, run by Union Mutual Fund. Their portfolios overlap 48.0%. Union Children's Fund charges 1.45% a year and Union Value Fund 1.51%.
Which has given higher returns, Union Children's Fund or Union Value Fund?
Over 1 year: Union Children's Fund −5.70%, Union Value Fund −6.91%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Union Children's Fund or Union Value Fund?
Union Children's Fund charges less: 1.45% a year against 1.51%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Union Children's Fund and Union Value Fund overlap?
48.0%. They hold 36 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, AXISBANK. From each fund's latest monthly portfolio.
Which is riskier, Union Children's Fund or Union Value Fund?
On SEBI's riskometer, Union Children's Fund is rated Very High and Union Value Fund Very High. Over 1 years, the standard deviation of daily returns was 15.40% and 14.74% a year.
Can I invest in both Union Children's Fund and Union Value Fund?
Yes. 48.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Union Children's Fund and Union Value Fund?
Union Children's Fund: Gaurav Chopra, Vinod Malviya, Parijat Agrawal. Union Value Fund: Vinod Malviya, Gaurav Chopra.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.