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Union

Union ELSS Tax Saver Fund

ELSS Tax SaverEquity SEBI-regulated

NAV (Direct-Growth)

₹71.5800

As of 3 Jul 2026 · AMFI

AUM

₹835.04 Cr

Expense ratio

1.22%

1Y returns

+0.63%

cat -1.72%

3Y CAGR

+13.11%

cat 12.95%

5Y CAGR

+13.05%

cat 12.58%

Std deviation 3Y

+14.55%

cat 15.47%

In plain English

Union ELSS Tax Saver Fund is a ELSS Tax Saver scheme from Union. The portfolio is ~98% in equities. Long-run track record: about 13.1% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -35% in Mar 2020, recovered in 6 months. Mandatory 3-year lock-in. Wrong fit if you need access sooner.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

NAV (Direct-Growth)

₹71.5800

Last 1Y

+0.66%

Jul 25Min ₹62.86 · Max ₹73.26 · 244 ptsJul 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2020

-35.4%

Peak ₹27.69 on 19 Feb 2020 → trough ₹17.90 on 23 Mar 2020 (1 months down).

Recovered in 6 months· 16 Sept 2020

Feb 2016

-24.2%

Peak ₹22.28 on 3 Mar 2015 → trough ₹16.89 on 29 Feb 2016 (12 months down).

Recovered in 14 months· 24 Apr 2017

Feb 2025 — ongoing

-18.3%

Peak ₹73.36 on 23 Sept 2024 → trough ₹59.92 on 28 Feb 2025 (5 months down).

Not yet recovered

Jun 2022

-17.7%

Peak ₹46.50 on 17 Jan 2022 → trough ₹38.27 on 20 Jun 2022 (5 months down).

Recovered in 5 months· 24 Nov 2022

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

4

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

  • Expense ratio

    1.22% — above the typical 1% for equity.

  • AUM size

    ₹835 Cr.

  • Sector concentration

    Top 3 sectors = 58.7% — diversified across sectors.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

PeriodReturnsCategory avgRank
1W-0.26%-1.21%34/ 55
1M+7.74%+6.78%32/ 55
3M+0.51%-0.40%23/ 55
6M-1.82%-2.61%29/ 54
YTD-0.77%-2.27%27/ 54
1Y+0.63%-1.72%31/ 54
2Y+5.35%+4.55%31/ 54
3Y+13.11%+12.95%34/ 52
5Y+13.05%+12.58%32/ 47
7Y+15.42%+12.47%23/ 46
10Y+13.61%+14.00%24/ 32

Portfolio composition

Asset allocation

  • Equity97.84%
  • Cash2.14%

By market cap

  • Large cap56.75%
  • Mid cap18.48%
  • Small cap15.84%
  • Others8.93%

Concentration

Holdings

77

Avg market cap

₹1.51 L Cr

Top 10 stocks

32.79%

Top 5 stocks

20.65%

Top 3 sectors

58.70%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight
  • 1

    HDFC Bank Ltd

    —5.44%
  • 1

    HDFC Bank Ltd

    —5.27%
  • 2

    ICICI Bank Ltd

    —5.05%
  • 2

    ICICI Bank Ltd

    —4.95%
  • 3

    Reliance Industries Ltd

    —4.49%
  • 3

    Reliance Industries Ltd

    —3.96%
  • 4

    State Bank of India

    —3.89%
  • 4

    State Bank of India

    —3.57%
  • 5

    Bharti Airtel Ltd

    —2.98%
  • 5

    Bharti Airtel Ltd

    —2.89%
  • 6

    Larsen & Toubro Ltd

    —2.62%
  • 7

    Gabriel India Ltd

    —2.57%
  • 6

    Infosys Ltd

    —2.50%
  • 7

    Larsen & Toubro Ltd

    —2.49%
  • 8

    Axis Bank Ltd

    —2.40%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff
  • P/E ratio26.7224.09+2.63
  • P/B ratio3.623.29+0.33
  • Price / Sales3.212.96+0.25
  • Price / Cash Flow19.1318.13+1.00
  • Dividend yield0.92%1.23%-0.31
  • Return on equity (ROE)16.17%16.61%-0.44

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

  • Standard deviation

    Volatility — lower means steadier returns.

    14.5814.5513.7317.2615.4714.47

  • Sharpe ratio

    Risk-adjusted return — higher is better.

    -0.250.470.54-0.400.450.49

  • Sortino ratio

    Like Sharpe but only counts downside volatility.

    -0.330.680.82-0.500.670.75

  • Beta

    1 = moves with the market. <1 = less volatile.

    0.940.930.910.960.960.94

Peers in ELSS Tax Saver

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense
Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN
  • DirectGrowthUnion ELSS Tax Saver Fund - Direct Plan - Growth OptionINF582M01765
  • DirectIDCW ReinvestmentUnion ELSS Tax Saver Fund - Direct Plan - IDCW OptionINF582M01781
  • RegularGrowthUnion ELSS Tax Saver Fund - Growth OptionINF582M01302
  • RegularIDCW ReinvestmentUnion ELSS Tax Saver Fund - IDCW OptionINF582M01328

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