Union ELSS Tax Saver Fund

ELSS Tax SaverEquityVery High risk Rank 27 of 44

NAV · Direct-Growth

₹73.30-0.08-0.11%

As of 18 Aug 2026 · AMFI

NAV growth+3.8%

Aug ’25Aug ’26

Arthkar verdictSolid on the numbers

Returns

Mixed vs category

1 of 3 periods ahead

Cost

Average

1.22% vs NaN% peers

Volatility

Below average

14.5% vs 15.5% cat (3Y)

Consistency

Steady

positive in 9 of 12 years

Beats its ELSS Tax Saver category on 1Y but trails on 3Y & 5Y — and has been steadier than peers.

1Y return

+3.8%

+0.5 vs cat

3Y CAGR

+12.8%

-0.9 vs cat

5Y CAGR

+12.2%

-0.5 vs cat

AUM

₹835.04 Cr

fund size

Expense

1.22%

direct plan

Volatility 3Y

14.5%

▼ vs 15.5%

Go deeper on Union ELSS Tax Saver Fund

Two data-only views, computed from this fund's real NAV history — no projections.

Union ELSS Tax Saver Fund SIP returnsWhat ₹1,000–₹25,000/month actually became, 3 to 20 years — real results, with drawdowns and an FD comparison.Union ELSS Tax Saver Fund real oddsYour real chances over every start date in history — how often it made money and beat a fixed deposit.

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 12.2% 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

Showing Direct · Growth · INF582M01765

NAV (Direct-Growth)

₹73.3000

Last 1Y

+3.79%

Aug 25Min ₹62.86 · Max ₹73.50 · 247 ptsAug 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

-18.3%

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

Recovered in 17 months· 5 Aug 2026

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.

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.

Period	Returns	Category avg	Rank
1W	+0.19%	-0.58%	8/ 45
1M	+1.51%	+1.43%	19/ 45
3M	+7.79%	+6.38%	14/ 45
6M	+1.64%	+1.40%	20/ 45
YTD	+1.37%	+0.62%	22/ 45
1Y	+3.79%	+3.33%	19/ 45
2Y	+3.38%	+1.93%	14/ 44
3Y	+12.80%	+13.72%	27/ 44
5Y	+12.17%	+12.66%	21/ 37
7Y	+17.17%	+16.82%	14/ 36
10Y	+13.33%	+14.11%	20/ 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

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 →

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