Unifi Dynamic Asset Allocation Fund Filed Draft With SEBI

Unifi Mutual Fund has filed the Scheme Information Document (SID) for its new offering, the Unifi Dynamic Asset Allocation Fund. This is an open-ended hybrid scheme that allocates assets across equity, debt, and money market instruments to generate income and capital appreciation over the medium to long term, but there is no guarantee of returns.

Fund Category and Benchmark

The fund falls under the Dynamic Asset Allocation category and will be benchmarked against the CRISIL Hybrid 50 + 50 Moderate Index. This benchmark consists of a 50% allocation to BSE 200 and 50% to the CRISIL Composite Bond Fund Index, providing a reference for equity and debt performance.

Investment Strategy and Asset Allocation

The fund follows a flexible asset allocation approach. Depending on market conditions, the fund can invest 0% to 100% in equity and equity-related instruments and 0% to 100% in debt and money market instruments. 

The risk-o-meter indicates that the fund is a high-risk investment, meaning it is suitable for investors willing to take market fluctuations into account.

NFO and Subscription Details

• • Minimum Investment: ₹5,000 for lump sum and ₹500 for SIP

• Minimum Application Amount: ₹5,000 (During NFO)

• Entry Load: Nil
• Exit Load: 1.5% on redemptions within 12 months (except for 20% of units which are exempt). No exit load applies after 12 months.
• Liquidity: The fund will be open for redemption and repurchase on all business days.

Fund Management

The scheme will be managed by:

• Saravanan V N – Chief Investment Officer 
• Aejas Lakhani – Equity Fund Manager 
• Karthik Srinivas – Debt Fund Manager 

Their role will be to actively adjust the portfolio based on market movements.

Expenses and Taxation

The total expense ratio (TER) is capped at 2.25% for an equity-oriented portfolio and 2% for other allocations.

Taxation will depend on the holding period. If equity exposure is more than 65%, gains will be taxed at 10% (LTCG above ₹1 lakh) or 15% (STCG). If equity exposure is lower, debt fund taxation rules will apply.

Additional Features

The fund offers:

• Systematic Investment Plan (SIP) – ₹500 minimum investment
• Systematic Transfer Plan (STP) – Monthly transfers between schemes
• Systematic Withdrawal Plan (SWP) – Periodic withdrawals

Investors should assess their risk appetite and investment goals before considering this fund.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.