UCB Income Plus Fund

Income

UCB Income Plus Fund returned 13.66% a year over the last 3 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.

Open-end income mutual fund in Bangladesh, managed by UCB Asset Management Limited (UCB AML). Tracked since Jul 2023, with dividends reinvested by default or taken as cash.

৳14.92NAV per unit
৳377 crFund size
3.2 yrsSince Jul 2023
+13.33%Per year, max (3.2 yrs)
Start 100Now 149

Total-return path since Jul 2023, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for UCB Income Plus Fund, dividends reinvested
MonthTotal-return index
Jul 2023100.00
Aug 2023100.70
Sep 2023101.20
Oct 2023101.80
Nov 2023102.60
Dec 2023103.30
Jan 2024103.90
Feb 2024104.80
Mar 2024105.60
Apr 2024106.30
May 2024107.30
Jun 2024108.10
Jul 2024109.00
Aug 2024110.00
Sep 2024110.90
Oct 2024112.10
Nov 2024112.90
Dec 2024113.80
Jan 2025115.00
Feb 2025122.20
Mar 2025117.30
Apr 2025118.40
May 2025120.90
Jun 2025120.90
Jul 2025128.80
Aug 2025131.10
Sep 2025135.90
Oct 2025135.80
Nov 2025133.30
Dec 2025134.00
Jan 2026136.90
Feb 2026138.50
Mar 2026140.80
Apr 2026137.70
May 2026139.30
Jun 2026142.90
Jul 2026144.70
Aug 2026148.10
Sep 2026148.60

Latest NAV date: 3 Sep 2026.Source: UCB Asset Management Limited (UCB AML)'s website.Figures as of 2 Sep 2026.

Historical returns

Total return reinvests every dividend. “Per year” is the annualized compound rate. The last column is the return on a fixed amount invested every month (SIP).

Return period Total return Per year Monthly SIP /yr
6 months+5.52%+11.34%+16.22%
Year to date+10.93%+14.83%+14.83%
1 year+9.38%+9.38%+13.20%
2 years+34.05%+15.78%+15.20%
3 years+46.85%+13.66%+14.79%
Max (3.2 yrs)+48.61%+13.33%+13.90%

Bars in each column are relative to the largest figure in that column, not a 0 to 100% scale.

Figures as of 3 Sep 2026

Rolling returns & path risk

A single look-back can flatter or punish a start date. These figures walk the whole history.

Rolling window Latest Median Best Worst Windows
1 year+9.35%+12.97%+22.54%+9.00%27
3 years+13.66%+13.66%+13.72%+13.11%3

Each window is annualized total return (dividends reinvested). Latest is the most recent closed window; median / best / worst summarize every overlapping window of that length. Tap ? on a column header for a short tip.

Path risk over the same fixed 3-year window as the rating:

2.8%Downside deviation
-4%Worst drop
100%Positive 12-mo windows
6.3%Volatility (ann.)

Downside deviation only counts losing months. Worst drop is the deepest peak-to-trough fall inside the window. These are measured facts from the NAV series; the star composite that uses them stays experimental.

Calculate your return

Just this fund. Set an amount, pick one-time or monthly, and choose a period.

৳
Dividends
See the numbers behind this chart
Month-by-month value of a ৳1,000 lump sum in UCB Income Plus Fund, dividends reinvested
MonthValue of ৳1,000
Jul 2023৳1,000
Aug 2023৳1,007
Sep 2023৳1,012
Oct 2023৳1,018
Nov 2023৳1,026
Dec 2023৳1,033
Jan 2024৳1,039
Feb 2024৳1,048
Mar 2024৳1,056
Apr 2024৳1,063
May 2024৳1,073
Jun 2024৳1,081
Jul 2024৳1,090
Aug 2024৳1,100
Sep 2024৳1,109
Oct 2024৳1,121
Nov 2024৳1,129
Dec 2024৳1,138
Jan 2025৳1,150
Feb 2025৳1,222
Mar 2025৳1,173
Apr 2025৳1,184
May 2025৳1,209
Jun 2025৳1,209
Jul 2025৳1,288
Aug 2025৳1,311
Sep 2025৳1,359
Oct 2025৳1,358
Nov 2025৳1,333
Dec 2025৳1,340
Jan 2026৳1,369
Feb 2026৳1,385
Mar 2026৳1,408
Apr 2026৳1,377
May 2026৳1,393
Jun 2026৳1,429
Jul 2026৳1,447
Aug 2026৳1,481
Sep 2026৳1,486
৳1,000 · Jul 2023৳1,486 · 3 Sep 2026

Total-return NAV rebased to your amount. Dividends are reinvested by default; switch to taken as cash above.

Fund details

Management fee0.70% per year
Fee vs peersStated headline among 7 Income funds ReturnKoto? tracks: 0.70% to 2.50%. This fund’s stated headline is 0.70%. This is the management fee line from each prospectus, not a full expense ratio (TER).
Early-exit feeUp to 1% if redeemed within 100 days or over 25% of holding
Minimum investment500 units individual / 5,000 units institution; SIP from BDT 5,000
LiquidityOpen-end, redeemable weekly at NAV
Asset managerUCB Asset Management Limited (UCB AML)
SponsorUCB Asset Management Limited (UCB AML)
TrusteeSandhani Life Insurance
CustodianBRAC Bank
Face valueBDT 10 per unit

What UCB Income Plus Fund holds

As of 30 Jun 2026

From the fund’s quarterly portfolio disclosure. Percentages by market value.

Asset mix
Government securities (T-bonds/bills) 59.07%Cash at bank 17.85%Corporate subordinated bonds 13.63%FDR / term deposit 9.45%
Largest holdings
Government treasury securities59.07%
Bank FDRs / term deposits9.45%
Trust Bank Subordinated Bond VIII6.92%
Jamuna Bank Subordinated Bond V4.73%
BRAC Bank Social Subordinated Bond Esc.1.99%

Each bar is sized against the largest name in this list, so you can compare them to each other. The percentage is still that name’s share of the whole fund.

Its 5 largest holdings are 82.16% of the fund.

What changed in the latest statement

31 Mar 2026 → 30 Jun 2026before now

+ Trust Bank Subordinated Bond VIII · new, 6.92%+ Jamuna Bank Subordinated Bond V · new, 4.73%+ BRAC Bank Social Subordinated Bond Esc. · new, 1.99%− Corporate subordinated bonds · no longer held
Government treasury securities79.79% → 59.07%
Bank FDRs / term deposits12.94% → 9.45%

Asset mix: Government securities (T-bonds/bills) 79.79% → 59.07%; Cash at bank 0.29% → 17.85%; Corporate subordinated bonds 6.97% → 13.63%; FDR / term deposit 12.94% → 9.45%.

Position sizes shift with both trading and market prices; both snapshots come from the fund manager’s own statements.

✓ Verified from UCB quarterly portfolio statement (30 Jun 2026). Holdings are disclosed quarterly, so they can lag the latest daily NAV.

Side by side with another fund

Questions about UCB Income Plus Fund

What kind of fund is UCB Income Plus Fund?
UCB Income Plus Fund is an open-end income mutual fund in Bangladesh, managed by UCB Asset Management Limited (UCB AML). You buy and redeem units at its published net asset value (NAV), and it has no fixed maturity.

What is the historical return of UCB Income Plus Fund?
Over roughly 3.2 years to 3 Sep 2026, UCB Income Plus Fund returned about +13.33% per year, as a total return with dividends reinvested. The figure changes with the period you choose, and past performance does not guarantee future results.

What are the fees for UCB Income Plus Fund?
UCB Income Plus Fund charges a management fee of 0.70% per year. Its published NAV, and so every return shown, is already net of this fee.

Does UCB Income Plus Fund have an exit load?
Up to 1% if redeemed within 100 days or over 25% of holding.

What is the minimum investment for UCB Income Plus Fund?
UCB Income Plus Fund has a one-time minimum of 500 units individual / 5,000 units institution and a monthly SIP from BDT 5,000/month.

Is UCB Income Plus Fund Shariah-compliant?
No. UCB Income Plus Fund is a conventional open-end fund, not Shariah-certified. ReturnKoto? has a one-tap filter to show only Shariah funds.

Compare UCB Income Plus Fund with other funds →
ExperimentalReturnKoto? ratingstill being calibrated

Rules-based rating for each fund. Experimental; treat as one input for your own research. Every sub-score is on the ratings page.

4 of 51st of 6 income funds

A rules-based score over the same fixed 3-year window every fund is measured on: return against its benchmark, downside deviation, worst drop and consistency, on a scale set for income funds.

Return / year (3 yr)
+13.10%
Downside deviation
2.8%
Worst drop
-4%
Consistency
100%
Versus the market (DSEX)

Beta 0.12 · has moved largely independently of the DSEX market index (low correlation: it explains only about 10% of its month-to-month swings).

✓ Rules-based, measured from the fund’s own NAV history. How the rating will work.