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 Option 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: 18.5%. 5-year CAGR: 8.44%.

Birla Sun Life

Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option

Latest NAV

₹61.0500

As of

24 Jul 2026

4,516 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	-0.39%	-2.26%	+1.86	79 / 90	Q4
1W	-1.94%	-4.09%	+2.15	68 / 87	Q4
2W	-1.66%	-4.51%	+2.85	52 / 87	Q3
1M	-0.49%	-5.21%	+4.73	37 / 87	Q2
3M	+2.23%	-3.51%	+5.74	33 / 87	Q2
6M	+1.56%	-0.11%	+1.68	43 / 89	Q2
YTD	-2.49%	-3.87%	+1.37	37 / 89	Q2
1Y	-0.20%	+1.67%	-1.87	40 / 87	Q2
2Y	+1.72%	-0.94%	+2.66	25 / 86	Q2
3Y	+11.44%	+5.34%	+6.10	34 / 81	Q2
4Y	+11.60%	+8.00%	+3.60	43 / 78	Q3
5Y	+8.44%	+6.78%	+1.65	49 / 77	Q3
7Y	+11.02%	+9.69%	+1.33	39 / 75	Q3
10Y	+10.14%	+7.87%	+2.27	34 / 69	Q2
Inception	+10.41%	+5.90%	+4.51	33 / 91	Q2

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	-2.49%	-4.60%	+2.11	17 / 47
2025	+9.29%	+1.54%	+7.75	2 / 47
2024	+16.07%	+18.17%	-2.10	29 / 47
2023	+18.72%	+23.46%	-4.74	40 / 49
2022	-1.43%	+0.75%	-2.18	34 / 52
2021	+12.20%	+28.91%	-16.70	52 / 54
2020	+15.07%	+11.40%	+3.66	20 / 56
2019	+4.44%	+2.03%	+2.41	27 / 59
2018	-4.04%	-9.68%	+5.64	17 / 61
2017	+42.35%	+29.95%	+12.40	6 / 65
2016	+3.05%	-0.31%	+3.36	23 / 70

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

+15.58%

212 windows

min -46.3% · max 127.5%

75% positive

3-Year rolling

+12.95%

188 windows

min -4.8% · max 32.1%

96% positive

5-Year rolling

+13.17%

164 windows

min 1.9% · max 25.2%

100% positive

7-Year rolling

+13.24%

139 windows

min 7.5% · max 24.0%

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

12.09%

3-year · annualised

Sharpe ratio

0.43

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-18.50%

Sep 2024 → Feb 2025

% positive months

66.7%

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 Plan	HDFC	₹1,355.4920	24 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.2789	24 Jul 2026
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹87.5266	24 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Growth	ICICI Prudential	₹920.2700	24 Jul 2026
Quantum ELSS Tax Saver Fund - Direct Plan Growth Option	Quantum	₹124.5200	24 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.0961	24 Jul 2026
Franklin India ELSS Tax Saver Fund - IDCW	Franklin Templeton	₹59.4311	24 Jul 2026
Kotak ELSS Tax Saver Fund-Growth	Kotak Mahindra	₹115.0200	24 Jul 2026
Edelweiss ELSS Tax Saver Fund - Regular Plan - Growth Option	Edelweiss	₹113.4400	24 Jul 2026
DSP ELSS Tax Saver Fund - Regular Plan - Growth	DSP BlackRock	₹136.6760	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹61.0500
23 Jul 2026	₹61.2900
22 Jul 2026	₹61.7000
21 Jul 2026	₹62.2900
20 Jul 2026	₹62.2200
17 Jul 2026	₹62.2600
16 Jul 2026	₹61.7900
15 Jul 2026	₹61.8600
14 Jul 2026	₹61.8200
13 Jul 2026	₹62.1200

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 24 Jul 2026, the NAV of Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option is ₹61.0500. It's a ELSS from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option has NAV history starting from 10 Mar 2008, a track record of about 18 years 4 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option is managed by 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 Option has delivered a absolute return of -0.20% — -1.87 pp behind the ELSS category average of 1.67%. The fund ranks #40 of 87 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option has delivered a CAGR of 11.44% — +6.1 pp ahead of the ELSS category average of 5.34%. The fund ranks #34 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option has delivered a CAGR of 8.44% — +1.65 pp ahead of the ELSS category average of 6.78%. The fund ranks #49 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option exactly 10 years ago would be worth approximately ₹262,694 today — a multiplier of 2.63×, based on the 10-year CAGR of 10.14%. The category average over the same window would have grown ₹1 lakh to ₹213,276.

A ₹10,000 monthly SIP in Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹764,053 today. That's an XIRR (money-weighted annualised return) of 9.60%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,005,713 (multiplier 1.67×). XIRR: 9.91%. 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 Option ranks #49 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.78%; this fund delivered 8.44%.

The worst peak-to-trough decline Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option has experienced over the last 5-year window is 18.51% — its NAV fell from a high on 15 Nov 2021 to a low on 20 Jun 2022. 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 Option averaged 13.17% (best 25.17%, worst 1.88%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.19 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option returned 9.29% — beating the ELSS category average of 1.54% by 7.75 pp. It ranked #2 of 47 in its category that year.

Aditya Birla Sun Life ELSS Tax Saver Fund - Growth Option 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 Option 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: 18.5%. 5-year CAGR: 8.44%.

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