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: 7.69%.

Aditya Birla Sun Life

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

Latest NAV

₹439.8600

As of

17 Jul 2026

3,330 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	+0.77%	+0.18%	+0.58	5 / 76	Q1
1W	+0.31%	+0.02%	+0.29	16 / 76	Q1
2W	+0.61%	+0.25%	+0.36	18 / 76	Q1
1M	+2.09%	+1.60%	+0.49	20 / 76	Q2
3M	+3.13%	+3.34%	-0.21	47 / 76	Q3
6M	-5.29%	+1.60%	-6.89	67 / 76	Q4
YTD	-6.16%	+0.65%	-6.81	62 / 76	Q4
1Y	-3.36%	+3.29%	-6.65	60 / 76	Q4
2Y	-1.51%	+2.13%	-3.63	56 / 75	Q3
3Y	+9.48%	+10.81%	-1.33	38 / 75	Q3
4Y	+10.95%	+12.20%	-1.25	34 / 69	Q2
5Y	+7.69%	+10.65%	-2.96	55 / 65	Q4
7Y	+10.67%	+13.29%	-2.62	54 / 63	Q4
10Y	+10.45%	+10.17%	+0.28	30 / 46	Q3
Inception	+13.09%	+11.17%	+1.92	19 / 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	-6.16%	-1.35%	-4.81	56 / 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

+16.30%

153 windows

min -19.1% · max 78.6%

80% positive

3-Year rolling

+13.79%

129 windows

min 0.0% · max 31.6%

100% positive

5-Year rolling

+12.92%

105 windows

min 3.9% · max 27.2%

100% positive

7-Year rolling

+12.21%

80 windows

min 8.1% · max 19.0%

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

14.85%

3-year · annualised

Sharpe ratio

0.25

vs risk-free 6.5%

Sortino ratio

0.36

Downside-only deviation

Max drawdown

-20.75%

Sep 2024 → Feb 2025

% positive months

58.3%

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	₹93.5760	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹22.6321	17 Jul 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹118.6726	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹44.8300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹32.2400	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹41.5040	17 Jul 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹61.4528	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹39.4071	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹70.8461	17 Jul 2026
Mirae Asset ELSS Tax Saver Fund - Direct Plan - IDCW	Mirae Asset	₹27.0040	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹439.8600
16 Jul 2026	₹436.5200
15 Jul 2026	₹437.0200
14 Jul 2026	₹436.6900
13 Jul 2026	₹438.8000
10 Jul 2026	₹438.5000
9 Jul 2026	₹433.9300
8 Jul 2026	₹431.0900
7 Jul 2026	₹439.6000
6 Jul 2026	₹440.2400

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 17 Jul 2026, the NAV of Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW is ₹439.8600. 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 6 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 -3.36% — -6.65 pp behind the ELSS category average of 3.29%. The fund ranks #60 of 76 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW has delivered a CAGR of 9.48% — -1.33 pp behind the ELSS category average of 10.81%. The fund ranks #38 of 75 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW has delivered a CAGR of 7.69% — -2.96 pp behind the ELSS category average of 10.65%. The fund ranks #55 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 ₹270,151 today — a multiplier of 2.70×, based on the 10-year CAGR of 10.45%. The category average over the same window would have grown ₹1 lakh to ₹263,459.

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 ₹729,073 today. That's an XIRR (money-weighted annualised return) of 7.72%.

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 ₹1,956,308 (multiplier 1.63×). XIRR: 9.44%. 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 #55 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 7.69%.

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 12.92% (best 27.22%, worst 3.91%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.13 — 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: 7.69%.

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

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

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in ELSS

Recent NAVs

Frequently asked questions

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