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

We don't give personal investment advice. Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan 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: 18.3%. 5-year CAGR: 9.16%.

Aditya Birla Sun Life

Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan

Latest NAV

₹66.4800

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%	+0.24%	+0.13	21 / 59	Q2
1W	-1.11%	-1.27%	+0.16	16 / 59	Q2
2W	+0.39%	+0.30%	+0.09	22 / 59	Q2
1M	-1.61%	-0.87%	-0.74	38 / 59	Q3
3M	-0.65%	+0.83%	-1.49	29 / 59	Q2
6M	-4.68%	-2.14%	-2.54	32 / 59	Q3
YTD	-4.71%	-1.56%	-3.15	30 / 59	Q3
1Y	+1.30%	+5.96%	-4.66	29 / 59	Q2
2Y	+4.31%	+5.58%	-1.27	23 / 58	Q2
3Y	+13.86%	+14.58%	-0.71	34 / 58	Q3
4Y	+12.34%	+14.85%	-2.51	39 / 51	Q4
5Y	+9.16%	+14.46%	-5.30	46 / 47	Q4
7Y	+10.25%	+15.51%	-5.26	45 / 45	Q4
10Y	+11.38%	+14.50%	-3.12	27 / 27	Q4
Inception	+13.62%	+14.13%	-0.52	36 / 59	Q3

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	-4.71%	-4.44%	-0.26	24 / 53
2025	+10.07%	+3.70%	+6.37	6 / 53
2024	+16.92%	+20.13%	-3.21	35 / 53
2023	+19.66%	+30.82%	-11.17	50 / 51
2022	-0.64%	+3.78%	-4.41	42 / 47
2021	+13.15%	+39.32%	-26.17	50 / 50
2020	+16.19%	+18.42%	-2.23	29 / 50
2019	+5.53%	+6.48%	-0.96	31 / 47
2018	-3.00%	-7.38%	+4.37	13 / 37
2017	+43.92%	+38.27%	+5.65	9 / 31
2016	+4.01%	+5.54%	-1.54	15 / 27

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

+16.76%

152 windows

min -24.3% · max 77.0%

83% positive

3-Year rolling

+13.77%

127 windows

min -2.0% · max 31.5%

99% positive

5-Year rolling

+12.98%

103 windows

min 2.5% · max 25.2%

100% positive

7-Year rolling

+12.38%

79 windows

min 8.6% · 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

12.81%

3-year · annualised

Sharpe ratio

0.58

vs risk-free 6.5%

Sortino ratio

0.92

Downside-only deviation

Max drawdown

-18.27%

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 - Growth Option - Direct Plan	HDFC	₹1,421.3430	3 Jun 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹140.6038	3 Jun 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹458.2222	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹990.7700	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹138.0800	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹173.1540	3 Jun 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹443.2149	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹62.1822	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,537.4743	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Direct Plan - Growth	Mirae Asset	₹54.9000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹66.4800
2 Jun 2026	₹66.8000
1 Jun 2026	₹66.5500
29 May 2026	₹67.0300
27 May 2026	₹67.8500
26 May 2026	₹67.5500
25 May 2026	₹67.6800
22 May 2026	₹66.8300
21 May 2026	₹66.6000
20 May 2026	₹66.7100

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 - Growth - Direct Plan is ₹66.4800. It's a ELSS from Aditya Birla Sun Life, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan 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 - Growth - Direct Plan 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 - Growth - Direct Plan has delivered a absolute return of 1.30% — -4.66 pp behind the ELSS category average of 5.96%. The fund ranks #29 of 59 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan has delivered a CAGR of 13.86% — -0.71 pp behind the ELSS category average of 14.58%. The fund ranks #34 of 58 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan has delivered a CAGR of 9.16% — -5.3 pp behind the ELSS category average of 14.46%. The fund ranks #46 of 47 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan exactly 10 years ago would be worth approximately ₹293,885 today — a multiplier of 2.94×, based on the 10-year CAGR of 11.38%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

A ₹10,000 monthly SIP in Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹764,724 today. That's an XIRR (money-weighted annualised return) of 9.63%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,065,852 (multiplier 1.72×). XIRR: 10.47%. 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 - Growth - Direct Plan ranks #46 out of 47 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.46%; this fund delivered 9.16%.

The worst peak-to-trough decline Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan has experienced over the last 5-year window is 18.27% — 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 - Growth - Direct Plan averaged 12.98% (best 25.20%, worst 2.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan returned 10.07% — beating the ELSS category average of 3.70% by 6.37 pp. It ranked #6 of 53 in its category that year.

Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan 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 - Growth - Direct Plan 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: 18.3%. 5-year CAGR: 9.16%.

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