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Union Small Cap Fund

Union Mutual Fund · 129649 · Quant Rank #324

Structural GatesFully Researched (Deep)Prospera Research Confidence: HIGH
ANALYST_REVIEWED

Research Confidence reflects source quality and evidence depth — it is independent of the score below. A fund can score highly with low confidence, or moderately with high confidence.

Real Evidence
CategorySC
AUM₹2,402 Cr
BenchmarkBSE 250 Smallcap TRI
RiskometerVery High
TER0.79%
Inception2014-06-10
Track RecordInsufficient data
Fund ManagerPratik Dharmshi and Gaurav Chopra
AUM Floor₹500 Cr
Min Track5 yrs
Max Alloc15%
Returns vs Benchmark
WindowFundBenchmark
1 Year23.69%6.65%
3 Year19.84%15.98%
5 Year19.24%16.68%
Since Launch16.94%13.91%
Calculated Parameters
FMTInsufficient data — no real 'managing since' date collected for this scheme's current manager
AMQ3/10
AUTInsufficient data — no real 3-months-ago AUM evidence (AMFI's live feed only carries current + ~1-month-ago; needs a genuine dated snapshot from an earlier sync)
ERS5/10
Structural Gates
Gate 1 — EligibilityUNKNOWN

AUM floor: PASS · Track record: UNKNOWN · SEBI: UNKNOWN

Gate 2Quant ScreenFAIL
Gate 3Top 10FAIL
Gate 4Top 5FAIL
Gate 5Top 2 ICFAIL
Candidate's 46.4 would rank #6 among 5 real existing category scores (top 2 = recommendable).
Analyst Name
MOMMomentum
7% weight
Deep ResearchConfidence: HIGH

3–6M price+flow vs benchmark · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

CONConsistency
10% weight
Deep ResearchConfidence: HIGH

3Y/5Y quartile rank stability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

PQTPortfolio Quality
11% weight
Deep ResearchConfidence: MEDIUM

PE, concentration, churn · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

FMQFund Mgr Quality
12% weight
Deep ResearchConfidence: MEDIUM

Philosophy, communication, style drift · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

VALValuation Risk
10% weight
Deep Research

Portfolio PE/PB vs category avg · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

STWSector Tailwinds
9% weight
Deep ResearchConfidence: MEDIUM

Policy/macro drivers 12-18M · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

DSPDownside Protection
8% weight
Deep Research

Max DD, Sortino, bear markets · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

OPPOutperformance Prob.
8% weight
Deep ResearchConfidence: HIGH

Analyst 12M alpha probability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

THSThesis Strength
2% weight
Deep ResearchConfidence: MEDIUM

Analyst 12-24M thesis conviction · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 10:01:18 AM

V6 Final Score
46.4
/ 100 — Final Score
AVOID
MOM
6.3
CON
8.0
PQT
7.7
FMQ
8.4
VAL
0.0
STW
5.4
DSP
0.0
OPP
5.6
FMT
AMQ
1.8
AUT
ERS
2.0
THS
1.2
Data-limited: FMT, AUT (insufficient data — never defaulted to 0)
Source Evidence (21)
BenchmarkBSE 250 Smallcap TRI
Riskometer (Scheme)Very High
NAV - Direct Plan67.51
NAV Date21-Aug-2026
Daily AUM (Cr.)2616.4128
1 Year Return - Direct Plan (%)23.6900
1 Year Return - Benchmark (%)6.6517
3 Year Return - Direct Plan (%)19.8355
3 Year Return - Benchmark (%)15.9828
5 Year Return - Direct Plan (%)19.2396
5 Year Return - Benchmark (%)16.6805
Since Launch Return - Direct Plan (%)16.9366
Since Launch Return - Benchmark (%)13.9073
AUM (Cr.)2402
Total Expense Ratio (%)0.79
Inception Date2014-06-10
Value Research Rating (out of 5 stars)4
Fund ManagerPratik Dharmshi and Gaurav Chopra
Value Research Rating4 out of 5 stars
Top 5 HoldingsGabriel India 3.73%, Karur Vysya Bank 3.67%, Navin Fluorine 3.55%, Kirloskar Oil 3.10%, SJS Enterprises 3.08% (top-5 total 17.13%)
Audit Log
MOM 79 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] Real AMFI returns vs benchmark: 1Y +17.04pp, 3Y +3.85pp, 5Y +2.56pp — real, exceptionally strong recent outperformance, more moderate over longer windows.
CON 88 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] Real Value Research rating is 4 out of 5 stars, confirmed directly on the fund's own VR page. Approved substitution: 4★ = 8.
PQT 67 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] Real top-5 holdings: Gabriel India 3.73%, Karur Vysya Bank 3.67%, Navin Fluorine 3.55%, Kirloskar Oil 3.10%, SJS Enterprises 3.08% (top-5 total 17.13%) — low concentration, diversified across auto ancillaries, banking, chemicals, and industrials.
FMQ 57 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] Real managers: Pratik Dharmshi and Gaurav Chopra, on a scheme launched June 2014 (~11.5 years real operating history), though individual managing-since dates are not disclosed on the VR page.
VAL 50 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] No PE/PB evidence found on the fund's own VR page. Scored 0 (N/A).
STW 66 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] Real portfolio diversified across auto ancillaries, banking, chemicals, and industrials — a genuine, currently-relevant broad small-cap exposure.
DSP 50 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] No real drawdown/Sortino evidence found on the fund's own VR page. Scored 0 (N/A).
OPP 77 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION, analyst judgment] A real, above-average 4-star rating, a genuine ~11.5-year real operating history, and real exceptionally strong recent outperformance together are strong, credible, corroborating real evidence supporting a favorable forward view.
THS 56 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 10:01:18 AM
[FINAL CHALLENGER VALIDATION] Long-running, genuinely diversified small-cap thesis with real, above-average independent validation.
THS 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:18 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress.
OPP 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:16 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +17.04pp vs benchmark, 3Y +3.85pp vs benchmark, 5Y +2.56pp vs benchmark, SinceLaunch +3.03pp vs benchmark (avg 6.62pp).
DSP 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:14 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted.
STW 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:12 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:10 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real TER of 0.79% used as the only real, quantified cost/value signal available (no portfolio PE/PB data exists in any source checked this session) — lower cost scored more favorably.
FMQ 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:08 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:07 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹2,402 Cr vs category floor ₹500 Cr (4.8x). Moderate scale — no specific capacity concern or advantage documented.
CON 88 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:05 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] V6 CON uses category-relative consistency/quartile methodology. Public Value Research star rating (4/5) is used as a disclosed evidence substitution — never literal quartile rank.
MOM 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:41:03 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +17.04pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).
THS 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:21 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress.
OPP 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:19 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +17.04pp vs benchmark, 3Y +3.85pp vs benchmark, 5Y +2.56pp vs benchmark, SinceLaunch +3.03pp vs benchmark (avg 6.62pp).
DSP 05 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:16 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted.
STW 06 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:14 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 05 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:12 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real TER of 0.79% used as the only real, quantified cost/value signal available (no portfolio PE/PB data exists in any source checked this session) — lower cost scored more favorably.
FMQ 05 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:10 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 06 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:07 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹2,402 Cr vs category floor ₹500 Cr (4.8x). Moderate scale — no specific capacity concern or advantage documented.
CON 88 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:05 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] V6 CON uses category-relative consistency/quartile methodology. Public Value Research star rating (4/5) is used as a disclosed evidence substitution — never literal quartile rank.
MOM 07 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:04:04 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +17.04pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).
THS 55 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:21 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Baseline category-standard mandate identified (benchmark: BSE 250 Smallcap TRI, real AUM ₹2,402 Cr).
DSP 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:20 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real Max Drawdown or Sortino Ratio data collected for this scheme; ordinary volatility/beta are not used as a substitute.
STW 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:18 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real sector-allocation data collected for this scheme to support a forward sector-tailwind judgment.
VAL 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:16 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio PE/PB data collected for this scheme from any real source.
FMQ 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:15 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no manager identity or tenure evidence collected for this scheme.
PQT 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:13 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio composition data (Top-10 holdings, sector concentration, or turnover) collected for this scheme.
OPP 77 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:11 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Real data shows the fund beating its benchmark in every available window, averaging +6.62pp (1 Year 23.69% vs 6.65%, 3 Year 19.84% vs 15.98%, 5 Year 19.24% vs 16.68%, Since Launch 16.94% vs 13.91%).
MOM 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:09 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real 1/3/6-month return data collected for this scheme (V6's stated 3-6M momentum window has no evidence source for most funds in this pipeline).
CON 88 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:21:07 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Approved V7 evidence substitution for V6 CON: Value Research rating 4/5 stars -> disclosed linear scale (1*=2,2*=4,3*=6,4*=8,5*=10). Not literal V6 quartile rank — the closest real, independent, public consistency signal available.
THS 5 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:48 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Baseline category-standard mandate identified (benchmark: BSE 250 Smallcap TRI, real AUM ₹2,402 Cr).
DSP 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:46 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real Max Drawdown or Sortino Ratio data collected for this scheme; ordinary volatility/beta are not used as a substitute.
STW 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:45 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real sector-allocation data collected for this scheme to support a forward sector-tailwind judgment.
VAL 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:43 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio PE/PB data collected for this scheme from any real source.
FMQ 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:41 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no manager identity or tenure evidence collected for this scheme.
PQT 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:39 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio composition data (Top-10 holdings, sector concentration, or turnover) collected for this scheme.
OPP 7 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:38 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Real data shows the fund beating its benchmark in every available window, averaging +6.62pp (1 Year 23.69% vs 6.65%, 3 Year 19.84% vs 15.98%, 5 Year 19.24% vs 16.68%, Since Launch 16.94% vs 13.91%).
MOM 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:36 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real 1/3/6-month return data collected for this scheme (V6's stated 3-6M momentum window has no evidence source for most funds in this pipeline).
CON 88 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:18:34 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Approved V7 evidence substitution for V6 CON: Value Research rating 4/5 stars -> disclosed linear scale (1*=2,2*=4,3*=6,4*=8,5*=10). Not literal V6 quartile rank — the closest real, independent, public consistency signal available.
CON 8 by Claude (V7 Workspace batch ingestion) · 8/24/2026, 3:51:08 PM
Value Research rating: 4/5 stars (https://www.valueresearchonline.com/funds/26860/union-small-cap-fund-direct-plan/), converted via the disclosed linear scale 1*=2,2*=4,3*=6,4*=8,5*=10. This is VR's own independent risk-adjusted-consistency signal, NOT a literal category-quartile-rank computation — used as the closest real, public, non-account-gated evidence for CON, per explicit sign-off.