Should I invest in Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT?

We don't give personal investment advice. Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 20.7%. 5-year CAGR: 7.15%.

Aditya Birla Sun Life

Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW

Latest NAV

₹417.8400

As of

3 Jun 2026

3,299 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.38%	+0.12%	+0.26	19 / 76	Q1
1W	-1.12%	-1.31%	+0.19	14 / 76	Q1
2W	+0.39%	+0.08%	+0.31	21 / 76	Q2
1M	-1.61%	-0.99%	-0.62	55 / 76	Q3
3M	-0.66%	-0.23%	-0.43	27 / 76	Q2
6M	-10.41%	-4.25%	-6.15	66 / 76	Q4
YTD	-10.44%	-3.63%	-6.81	67 / 76	Q4
1Y	-4.78%	+1.70%	-6.48	39 / 76	Q3
2Y	-0.42%	+3.10%	-3.51	56 / 75	Q3
3Y	+10.39%	+10.95%	-0.56	37 / 75	Q2
4Y	+9.76%	+11.02%	-1.26	38 / 69	Q3
5Y	+7.15%	+10.65%	-3.49	56 / 65	Q4
7Y	+8.80%	+11.69%	-2.89	54 / 63	Q4
10Y	+10.35%	+10.10%	+0.25	30 / 46	Q3
Inception	+12.83%	+10.74%	+2.09	18 / 76	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-10.44%	-5.99%	-4.45	61 / 70
2025	+6.72%	+2.19%	+4.54	10 / 70
2024	+16.94%	+16.51%	+0.43	25 / 70
2023	+19.65%	+24.04%	-4.40	42 / 68
2022	-0.64%	+1.46%	-2.10	51 / 65
2021	+13.16%	+33.28%	-20.11	68 / 68
2020	+16.20%	+13.91%	+2.29	26 / 68
2019	+5.52%	+5.99%	-0.48	40 / 66
2018	-2.99%	-7.59%	+4.60	21 / 56
2017	+43.85%	+29.87%	+13.98	4 / 50
2016	+4.00%	+1.05%	+2.95	9 / 46

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+16.33%

152 windows

min -24.3% · max 76.9%

80% positive

3-Year rolling

+13.54%

127 windows

min -2.0% · max 31.5%

99% positive

5-Year rolling

+12.81%

103 windows

min 2.4% · max 25.2%

100% positive

7-Year rolling

+12.22%

79 windows

min 7.8% · max 18.4%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

14.07%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.46

Downside-only deviation

Max drawdown

-20.75%

Sep 2024 → Feb 2025

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC ELSS Tax saver - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Direct Plan - IDCW	Mirae Asset	₹25.6530	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹417.8400
2 Jun 2026	₹419.8200
1 Jun 2026	₹418.2500
29 May 2026	₹421.2600
27 May 2026	₹426.4000
26 May 2026	₹424.5700
25 May 2026	₹425.3300
22 May 2026	₹420.0100
21 May 2026	₹418.5900
20 May 2026	₹419.2500

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW is ₹417.8400. It's a ELSS from Aditya Birla Sun Life, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW has delivered a absolute return of -4.78% — -6.48 pp behind the ELSS category average of 1.70%. The fund ranks #39 of 76 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW has delivered a CAGR of 10.39% — -0.56 pp behind the ELSS category average of 10.95%. The fund ranks #37 of 75 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW has delivered a CAGR of 7.15% — -3.49 pp behind the ELSS category average of 10.65%. The fund ranks #56 of 65 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW exactly 10 years ago would be worth approximately ₹267,690 today — a multiplier of 2.68×, based on the 10-year CAGR of 10.35%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹703,078 today. That's an XIRR (money-weighted annualised return) of 6.27%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,888,599 (multiplier 1.57×). XIRR: 8.77%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW ranks #56 out of 65 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.65%; this fund delivered 7.15%.

The worst peak-to-trough decline Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW has experienced over the last 5-year window is 20.75% — its NAV fell from a high on 26 Sep 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW averaged 12.81% (best 25.18%, worst 2.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW returned 6.72% — beating the ELSS category average of 2.19% by 4.54 pp. It ranked #10 of 70 in its category that year.

Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 20.7%. 5-year CAGR: 7.15%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.