Union Overnight Fund(M-IDCW)
Ticker: mf16668
Decent
66/100
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U
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The Union Overnight Fund shows decent performance metrics but lacks strong growth drivers and has some risks associated with liquidity and governance.
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Business Overview
Union Overnight Fund (M-IDCW) is a short-term debt mutual fund designed for investors seeking liquidity and stability. Ideal for conservative investors, it aims to provide better returns than traditional savings accounts while preserving capital. This fund invests primarily in overnight securities, ensuring minimal risk and quick access to funds. With a focus on safety and short-duration investments, it’s perfect for those looking to park their money for a brief period without compromising on returns.
- Designed for conservative investors
- Offers liquidity and capital preservation
- Invests in low-risk overnight securities
- Provides better returns than savings accounts
- Ideal for short-term parking of funds
Investment Thesis
Union Overnight Fund (M-IDCW) stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions the fund as a compelling investment opportunity for retail investors seeking stability and growth.
- Backed by a reputable promoter group with a strong track record in asset management.
- Significant growth potential in digital services, catering to the evolving investor landscape.
- Attractive valuation metrics compared to industry peers, offering a favorable entry point.
- Focus on liquidity and overnight investments, appealing to risk-averse investors.
- Consistent performance history enhances investor confidence and trust.
Opportunity vs Risk
Opportunities
- Strong historical performance
- Diversified investment portfolio
- Potential for regular income
- Low expense ratio
- Favorable market conditions
Risks ⚠️
- Market volatility impact
- Interest rate fluctuations
- Liquidity concerns
- Regulatory changes
- Management performance risks
Peer Perspective
Union Overnight Fund trades at a slight premium compared to peers like HDFC Overnight Fund and ICICI Prudential Overnight Fund. A stable margin and consistent growth are crucial for potential rerating in this competitive segment.
📊 Stock Investment Checklist (100 Points)
Union Overnight Fund(M-IDCW) • Updated: 2025-10-01 22:00:32
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10BusinessHighThe fund operates in a stable sector with a clear investment model.
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10GrowthHighConsistent revenue growth observed, but profit growth has been moderate.
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10ProfitabilityHighROE and ROCE are acceptable, but OCF is slightly below net profit.
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8ValuationHighValuation metrics are in line with peers, but not particularly attractive.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but some concerns over disclosures.
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5DriversGoodGrowth drivers are present, but execution risks remain.
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5TechnicalsGoodMarket sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
The Union Overnight Fund shows decent potential with stable growth and manageable risks, but investors should be cautious of execution risks and liquidity concerns.