Should I invest in Union ELSS Tax Saver Fund?

We don't give personal investment advice. Union ELSS Tax Saver Fund - Direct Plan - 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: 18.3%. 5-year CAGR: 12.69%.

Union

Union ELSS Tax Saver Fund - Direct Plan - Growth Option

Latest NAV

₹72.2100

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	+0.22%	+0.16%	+0.06	34 / 59	Q3
1W	+0.39%	+0.01%	+0.38	16 / 59	Q2
2W	+0.88%	+0.41%	+0.47	10 / 59	Q1
1M	+2.59%	+1.60%	+0.98	12 / 59	Q1
3M	+4.15%	+3.41%	+0.74	25 / 59	Q2
6M	+2.09%	+3.24%	-1.14	24 / 59	Q2
YTD	-0.45%	+2.42%	-2.88	32 / 59	Q3
1Y	+1.36%	+6.87%	-5.50	34 / 59	Q3
2Y	+2.43%	+4.51%	-2.08	30 / 58	Q3
3Y	+12.28%	+14.16%	-1.87	42 / 58	Q3
4Y	+14.89%	+15.94%	-1.06	30 / 51	Q3
5Y	+12.69%	+14.21%	-1.52	32 / 47	Q3
7Y	+16.58%	+17.19%	-0.61	24 / 45	Q3
10Y	+13.61%	+14.50%	-0.89	17 / 27	Q3
Inception	+13.34%	+14.54%	-1.19	44 / 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	-0.45%	-0.01%	-0.44	27 / 53
2025	+4.69%	+3.70%	+0.99	26 / 53
2024	+17.82%	+20.13%	-2.31	32 / 53
2023	+26.99%	+30.82%	-3.83	33 / 51
2022	+2.42%	+3.78%	-1.35	33 / 47
2021	+36.28%	+39.32%	-3.04	23 / 50
2020	+22.03%	+18.42%	+3.61	10 / 50
2019	+10.46%	+6.48%	+3.98	19 / 47
2018	-4.33%	-7.38%	+3.05	18 / 37
2017	+26.19%	+38.27%	-12.08	31 / 31
2016	-0.50%	+5.54%	-6.05	26 / 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

+15.87%

153 windows

min -18.1% · max 64.3%

84% positive

3-Year rolling

+14.18%

129 windows

min -2.3% · max 32.1%

98% positive

5-Year rolling

+14.09%

105 windows

min -0.6% · max 27.3%

99% positive

7-Year rolling

+13.62%

80 windows

min 6.6% · max 18.2%

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

12.88%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.72

Downside-only deviation

Max drawdown

-18.32%

Sep 2024 → Feb 2025

% positive months

61.1%

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	₹1,497.0580	17 Jul 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹144.8728	17 Jul 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹479.1199	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹1,043.9300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹148.3100	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹179.3500	17 Jul 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹460.9956	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹69.9900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹63.7427	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,617.9351	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹72.2100
16 Jul 2026	₹72.0500
15 Jul 2026	₹72.0000
14 Jul 2026	₹71.5700
13 Jul 2026	₹72.0900
10 Jul 2026	₹71.9300
9 Jul 2026	₹70.9500
8 Jul 2026	₹70.3200
7 Jul 2026	₹71.8300
6 Jul 2026	₹72.0800

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 Union ELSS Tax Saver Fund - Direct Plan - Growth Option is ₹72.2100. It's a ELSS from Union, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Union ELSS Tax Saver Fund - Direct Plan - Growth Option 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.

Union ELSS Tax Saver Fund - Direct Plan - Growth Option is managed by Union. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Union ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a absolute return of 1.36% — -5.5 pp behind the ELSS category average of 6.87%. The fund ranks #34 of 59 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Union ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 12.28% — -1.87 pp behind the ELSS category average of 14.16%. The fund ranks #42 of 58 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Union ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 12.69% — -1.52 pp behind the ELSS category average of 14.21%. The fund ranks #32 of 47 in its category — the third (Q3) quartile.

₹1 lakh invested in Union ELSS Tax Saver Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹358,186 today — a multiplier of 3.58×, based on the 10-year CAGR of 13.61%. The category average over the same window would have grown ₹1 lakh to ₹387,351.

A ₹10,000 monthly SIP in Union ELSS Tax Saver Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹797,805 today. That's an XIRR (money-weighted annualised return) of 11.34%.

A ₹10,000 monthly SIP for 10 years in Union ELSS Tax Saver Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,554,022 (multiplier 2.13×). XIRR: 14.45%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Union ELSS Tax Saver Fund - Direct Plan - Growth Option ranks #32 out of 47 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 14.21%; this fund delivered 12.69%.

The worst peak-to-trough decline Union ELSS Tax Saver Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 18.32% — its NAV fell from a high on 23 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, Union ELSS Tax Saver Fund - Direct Plan - Growth Option averaged 14.09% (best 27.27%, worst -0.62%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, Union ELSS Tax Saver Fund - Direct Plan - Growth Option returned 4.69% — beating the ELSS category average of 3.70% by 0.99 pp. It ranked #26 of 53 in its category that year.

Union ELSS Tax Saver Fund - Direct Plan - 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. Union ELSS Tax Saver Fund - Direct Plan - 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: 18.3%. 5-year CAGR: 12.69%.

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