Two funds walk into a table. Only the numbers talk.
Union Children's Fund vs SBI Children's Fund - Investment Plan
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- AUnion Children's Fund
Union Mutual Fund- Children's Fund
- Direct plan
- Very High Risk
NAV ₹13.41 on 13 Nov 2026
- BSBI Children's Fund - Investment Plan
SBI Mutual Fund- Children's Fund
- Direct plan
- Very High Risk
NAV ₹54.63 on 12 Nov 2026
The short version
Who comes out ahead on each measure, over the 1 year all of them have been around.
Grew faster
BSBI Children's Fund - Investment Plan
SBI Children's Fund - Investment Plan returned 12.5% in the last year, against 2.1% for Union Children's Fund. ₹1 lakh invested 1 year ago would be about ₹1.13 Lakh today, against ₹1.02 Lakh.
Smoother ride
BSBI Children's Fund - Investment Plan
SBI Children's Fund - Investment Plan swung the least: about 12.7% a year either way, against 14.7% for Union Children's Fund. Lower means fewer scary days.
Fell less in a crash
BSBI Children's Fund - Investment Plan
At its worst, SBI Children's Fund - Investment Plan fell 15.7% from its peak, against 17.4% for Union Children's Fund. On ₹1 lakh, that's a dip to ₹82,602 at the bottom for Union Children's Fund. Could you have held on?
More consistent
BSBI Children's Fund - Investment Plan
Pick any day in the past and hold for a year: SBI Children's Fund - Investment Plan ended up in profit 100% of the time, against 91% for Union Children's Fund.
Costs less
BSBI Children's Fund - Investment Plan
SBI Children's Fund - Investment Plan charges 1.08% a year, against 1.47% for Union Children's Fund. On ₹1 lakh that's ₹1,080 a year against ₹1,470, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- AUnion Children's Fund₹10,197 from ₹10,000(2% a year)
- BSBI Children's Fund - Investment Plan₹11,251 from ₹10,000(12.5% a year)
A one-time ₹10,000 put in 1 year ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
AUnion Children's Fund
- Watch out: Swings more than most funds in its category
- Watch out: Small fund (₹91 Cr), often newer or less tested
- Watch out: Money is locked in for 5 years
- Watch out: Less than 3 years of history, too short to judge
BSBI Children's Fund - Investment Plan
- Strength: Ahead of its category: 17.8% a year over 5 years, against a category average of 9%
- Strength: In the top quarter of its category over 5 years (#1 of 10)
- Strength: Beat a 5-year SBI FD: 17.8% a year over 5 years, against 6.05%
- Watch out: Money is locked in for 5 years
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | AUnion Children's Fund | BSBI Children's Fund - Investment Plan |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 2.1%#7 of 12 · avg 1.8% | 12.5%Best#1 of 12 · avg 1.8% |
| 3 yearsPer year, over a full market mood swing | – | 22%#1 of 10 · avg 10.7% |
| 5 yearsPer year, the fairest single test | – | 17.8%#1 of 10 · avg 9% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 14.7%category avg 11.6% | 12.7%Bestcategory avg 11.6% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −17.4%category avg −24.9% | −15.7%Bestcategory avg −24.9% |
| Best 12 monthsIts strongest year | 23.8% | 130.1%Best |
| Worst 12 monthsIts weakest year | -7.4% | 0.4%Best |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 91% | 100%Best |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 1.47% | 1.08%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹91 Cr | ₹7,949 Cr |
| Lock-inTime before you can withdraw | 5 years | 5 years |
| What it holdsWhere the money sits. Equity is shares, debt is bonds, cash is waiting to be invested. | ||
| In sharesEquity | – | 74.1% |
| In bondsDebt | – | 0.4% |
| In cashNot yet invested | – | 13.4% |
| HoldingsNumber of investments | – | 40 |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Top 10 holdings
Marked Both where another fund here holds it too.
AUnion Children's Fund
Holdings are not available for this fund yet.
BSBI Children's Fund - Investment Plan
- ASM Technologies Ltd5.2%
- Alphabet Inc4.4%
- State Bank of India4.4%
- Kotak Mahindra Bank Ltd4.1%
- Thangamayil Jewellery Ltd4%
- Epam Systems Inc3.9%
- Renew Energy Global3.8%
- Sona Blw Precision Forgings Ltd3.7%
- Hatsun Agro Product Ltd3.5%
- Adani Enterprises Ltd3.3%
As on 31 Oct 2026
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AUnion Children's Fund
Might suit you if…
- you want the section 80C tax deduction and can leave the money for 5 years
BSBI Children's Fund - Investment Plan
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return
- you may need the money at short notice and want better odds of being in profit
- you care about keeping costs low, which adds up over decades
- you want the section 80C tax deduction and can leave the money for 5 years