ThematicDirect and Regular plans, Growth and IDCW options
Data as on 30-10-2026
Union Consumption Fund is a Thematic fund run by Union Mutual Fund. On 30-09-2026, it managed ₹314 Cr of investors' money.
NAV on 30-10-2026: Direct Plan Growth ₹9.56 (down 0.62% that day); Regular Plan Growth ₹9.45 (down 0.63% that day).
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Period | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| This fund (Direct) | +0.42% | −2.65% | +4.14% | -- | -- | -- | -- |
| This fund (Regular) | +0.32% | −2.98% | +3.39% | -- | -- | -- | -- |
| Nifty India Consumption TRI | +0.16% | −8.10% | −2.24% | −10.58% | +11.02% | +10.59% | +12.37% |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
| Best in Thematic | +11.54% | +11.27% | +22.16% | -- | -- | -- | -- |
| Worst in Thematic | −16.05% | −11.74% | −13.97% | -- | -- | -- | -- |
| Rank in Thematic | 30/235 | 56/232 | 66/232 | -- | -- | -- | -- |
Category rows compare the Direct plans of 235 Thematic funds. Rank 1 is the highest return.
| Year | Direct | Regular | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −4.69% | −5.69% | −9.10% |
The five Thematic funds with the best three year return, and this fund. Direct plans.
| Fund name | Rank | AUM (Cr) | Exp. ratio | 1Y return | 3Y return | 3Y alpha | 3Y beta | 3Y Sharpe | 3Y Sortino | |
|---|---|---|---|---|---|---|---|---|---|---|
| Nippon India Taiwan Equity Fund | 1/133 | 1,147 | 1.08% | +75.71% | +54.78% | -- | -- | 1.38 | 2.03 | Compare |
| HDFC Defence Fund | 2/133 | 11,493 | 0.90% | +13.79% | +34.76% | −0.18% | 0.83 | 1.12 | 1.54 | Compare |
| HDFC Pharma and Healthcare Fund | 3/133 | 3,501 | 1.05% | +23.12% | +30.53% | +8.23% | 0.96 | 1.74 | 2.49 | Compare |
| SBI Healthcare Opportunities Fund | 4/133 | 5,870 | 1.01% | +17.12% | +24.60% | +3.61% | 0.88 | 1.42 | 2.03 | Compare |
| Aditya Birla Sun Life International Equity Fund | 5/133 | 352 | 2.00% | +13.97% | +24.46% | -- | -- | 1.49 | 2.16 | Compare |
| Union Consumption Fund | -- | 314 | 1.37% | -- | -- | -- | -- | -- | -- |
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
What each plan charges a year, in force from 22-10-2026
| Plan | Base expense ratio | Brokerage | Transaction costs | Levies and GST | Total expense ratio | Thematic median | Cost rank (1 = cheapest) |
|---|---|---|---|---|---|---|---|
| Direct | 0.94% | 0.08% | 0.00% | 0.35% | 1.37% | 1.18% | 164/235 |
| Regular | 2.10% | 0.08% | 0.00% | 0.51% | 2.69% | 2.41% | 180/235 |
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Thematic funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Asset allocation as on 30-09-2026
98.7%Equity
| Asset | Fund | Category |
|---|---|---|
| Equity | 98.7% | 94.5% |
| Cash and others | 1.2% | 4.0% |
| Debt | 0.1% | 1.5% |
| Market cap | Fund | Category |
|---|---|---|
| Large Cap | 50.1% | 45.7% |
| Mid Cap | 25.4% | 19.6% |
| Small Cap | 20.4% | 24.1% |
| Not on AMFI's list | 2.8% | 2.3% |
Share of the whole fund. Category: the average of the Thematic funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Sector allocation of the fund's stocks as on 30-09-2026
Retailing19.9%
Automobiles15.2%
Consumer Durables13.0%
Beverages7.1%
Telecom - Services7.0%
Agricultural Food & other Products4.8%
Transport Services4.7%
Food Products4.0%
Diversified FMCG3.4%
Personal Products2.7%
The ten largest of 21 sectors. The other 11 add up to 16.8%.
| Sector | July 2026 | August 2026 | September 2026 | Change |
|---|---|---|---|---|
| Retailing | 18.0% | 19.5% | 19.9% | +1.9% |
| Automobiles | 16.9% | 16.3% | 15.2% | −1.7% |
| Consumer Durables | 13.6% | 12.7% | 13.0% | −0.6% |
| Beverages | 7.3% | 6.9% | 7.1% | −0.3% |
| Telecom - Services | 7.5% | 6.8% | 7.0% | −0.4% |
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
As on 30-09-2026 · 48 holdings · from the fund house's monthly portfolio
| Holdings | Sector / Rating | Weight% | Holdings trend | 1M change |
|---|---|---|---|---|
| Eternal Ltd. | Retailing | 7.22% | 0.0% | |
| Bharti Airtel Ltd. | Telecom - Services | 7.05% | 0.0% | |
| Mahindra & Mahindra Ltd. | Automobiles | 5.27% | 0.0% | |
| Maruti Suzuki India Ltd. | Automobiles | 4.78% | 0.0% | |
| Varun Beverages Ltd. | Beverages | 3.79% | 0.0% | |
| Trent Ltd. | Retailing | 3.65% | 0.0% | |
| Titan Company Ltd. | Consumer Durables | 3.63% | 0.0% | |
| Radico Khaitan Ltd. | Beverages | 3.30% | −11.2% | |
| LG Electronics India Ltd. | Consumer Durables | 2.94% | 0.0% | |
| FSN E-Commerce Ventures Ltd. | Retailing | 2.85% | 0.0% | |
| Zydus Wellness Ltd. | Food Products | 2.83% | 0.0% | |
| Ather Energy Ltd. | Automobiles | 2.70% | −16.8% | |
| Honasa Consumer Ltd. | Personal Products | 2.67% | 0.0% | |
| One 97 Communications Ltd. | Financial Technology (Fintech) | 2.60% | 0.0% | |
| Marico Ltd. | Agricultural Food & other Products | 2.51% | 0.0% | |
| ICICI Bank Ltd. | Banks | 2.37% | 0.0% | |
| Tata Consumer Products Ltd. | Agricultural Food & other Products | 2.34% | 0.0% | |
| Dr. Lal Path labs Ltd. | Healthcare Services | 2.15% | 0.0% | |
| The Phoenix Mills Ltd. | Realty | 2.04% | 0.0% | |
| Pidilite Industries Ltd. | Chemicals & Petrochemicals | 2.03% | 0.0% | |
| Shiprocket Ltd. | Transport Services | 1.97% | 0.0% | |
| Hindustan Unilever Ltd. | Diversified FMCG | 1.95% | 0.0% | |
| Berger Paints India Ltd. | Consumer Durables | 1.66% | 0.0% | |
| TVS Motor Company Ltd. | Automobiles | 1.65% | 0.0% | |
| Arvind Fashions Ltd. | Retailing | 1.63% | 0.0% | |
| Nippon Life India Asset Management Ltd. | Capital Markets | 1.62% | 0.0% | |
| Lenskart Solutions Ltd. | Retailing | 1.59% | 0.0% | |
| Blue Star Ltd. | Consumer Durables | 1.59% | 0.0% | |
| Shadowfax Technologies Ltd. | Transport Services | 1.52% | 0.0% | |
| CarTrade Tech Ltd. | Retailing | 1.49% | 0.0% | |
| Meesho Ltd. | Retailing | 1.45% | 0.0% | |
| Metro Brands Ltd. | Consumer Durables | 1.45% | 0.0% | |
| ITC Ltd. | Diversified FMCG | 1.42% | +36.1% | |
| Interglobe Aviation Ltd. | Transport Services | 1.21% | 0.0% | |
| Greenply Industries Ltd. | Consumer Durables | 1.12% | 0.0% | |
| Doms Industries Ltd. | Household Products | 1.12% | 0.0% | |
| Hyundai Motor India Ltd. | Automobiles | 0.84% | +85.7% | |
| ZF Commercial Vehicle Control Systems India Ltd. | Auto Components | 0.82% | 0.0% | |
| Milky Mist Dairy Food Ltd. | Food Products | 0.81% | 0.0% | |
| Corona Remedies Ltd. | Pharmaceuticals & Biotechnology | 0.75% | 0.0% | |
| HDFC Life Insurance Company Ltd. | Insurance | 0.50% | New | |
| KEI Industries Ltd. | Industrial Products | 0.50% | −65.0% | |
| Dixon Technologies (India) Ltd. | Consumer Durables | 0.42% | 0.0% | |
| Nestle India Ltd. | Food Products | 0.37% | New | |
| Prestige Estates Projects Ltd. | Realty | 0.33% | −50.0% | |
| SKY Gold & Diamonds Ltd. | Consumer Durables | 0.19% | 0.0% | |
| 91 Day Treasury Bills · Government security | Sovereign | 0.05% | ||
| 91 Day Treasury Bills · Government security | Sovereign | 0.03% |
All changes are between August 2026 and September 2026
| Ather Energy Ltd. | Reduced | −16.8% | 2.70% |
|---|---|---|---|
| Radico Khaitan Ltd. | Reduced | −11.2% | 3.30% |
| KEI Industries Ltd. | Reduced | −65.0% | 0.50% |
| ITC Ltd. | Added | +36.1% | 1.42% |
| Hyundai Motor India Ltd. | Added | +85.7% | 0.84% |
| Prestige Estates Projects Ltd. | Reduced | −50.0% | 0.33% |
| HDFC Life Insurance Company Ltd. | New | New | 0.50% |
| Nestle India Ltd. | New | New | 0.37% |
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Funds with the most similar portfolios, across every fund house and category
| Fund | Overlap | Holdings in common | |
|---|---|---|---|
| Edelweiss Consumption FundThematic · Edelweiss | 54.7% | 22 | Compare |
| Baroda BNP Paribas India Consumption FundThematic · Baroda BNP Paribas | 51.7% | 21 | Compare |
| Axis Consumption FundThematic · Axis | 50.0% | 22 | Compare |
| Mahindra Manulife Consumption FundThematic · Mahindra Manulife | 49.5% | 21 | Compare |
| Aditya Birla Sun Life Consumption FundThematic · Aditya Birla Sun Life | 49.3% | 25 | Compare |
| UTI - India Consumer FundThematic · UTI | 48.3% | 21 | Compare |
| Mirae Asset Great Consumer FundThematic · Mirae Asset | 46.4% | 17 | Compare |
| WhiteOak Capital Consumption Opportunities FundThematic · WhiteOak Capital | 46.3% | 22 | Compare |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Fund facts from the scheme summary document, as on 16-10-2026
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
| Plan | Option | NAV | As on |
|---|---|---|---|
| direct | Growth | ₹9.56 | 30-10-2026 |
| direct | IDCW | ₹9.56 | 30-10-2026 |
| regular | Growth | ₹9.45 | 30-10-2026 |
| regular | IDCW | ₹9.45 | 30-10-2026 |
Union Consumption Fund is a mutual fund from Union Mutual Fund. Its category is Thematic. It was launched on 22-12-2025. Its benchmark is Nifty India Consumption TRI. At the end of September 2026 it held 48 securities.
Vinod Malviya
Fund manager of Union Consumption Fund
Sanjay Bembalkar
Fund manager of Union Consumption Fund
See all funds of Union Mutual Fund
AUM moves with money invested or taken out, and with the value of what the fund holds.
Returns, risk, costs and the stocks they share, side by side
The Direct plan NAV is ₹9.56. The Regular plan NAV is ₹9.45, as on 30-10-2026.
The Direct plan charges 1.37% a year. The Regular plan charges 2.69% a year. This is the figure the fund house reported to AMFI, in force from 22-10-2026.
Union Consumption Fund managed ₹314.47 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
At the end of September 2026 the largest holdings were ETERNAL (7.22%), BHARTIARTL (7.05%), M&M (5.27%), MARUTI (4.78%), VBL (3.79%). The fund held 48 securities in all.
It bought 2 new stocks: Nestle India Ltd, HDFC Life Insurance Company Ltd. It added shares in 2. It reduced 4.
Through Union Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹1,000. You can invest once or through a monthly SIP.
Vinod Malviya, Sanjay Bembalkar.
Exit load of 1%, if redeemed within 1 Year.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
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