Should I invest in Union ELSS Tax Saver Fund?

We don't give personal investment advice. Union ELSS Tax Saver Fund - Direct Plan - IDCW 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: 12.77%.

Union

Union ELSS Tax Saver Fund - Direct Plan - IDCW Option

Latest NAV

₹67.9600

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	+0.12%	+0.12%	+0.00	40 / 76	Q3
1W	-1.80%	-1.31%	-0.49	48 / 76	Q3
2W	-0.10%	+0.08%	-0.18	34 / 76	Q2
1M	-1.86%	-0.99%	-0.87	57 / 76	Q3
3M	-2.57%	-0.23%	-2.34	52 / 76	Q3
6M	-6.37%	-4.25%	-2.11	51 / 76	Q3
YTD	-6.11%	-3.63%	-2.48	45 / 76	Q3
1Y	-0.70%	+1.70%	-2.40	26 / 76	Q2
2Y	+2.93%	+3.10%	-0.17	23 / 75	Q2
3Y	+12.72%	+10.95%	+1.77	27 / 75	Q2
4Y	+13.34%	+11.02%	+2.32	21 / 69	Q2
5Y	+12.77%	+10.65%	+2.12	19 / 65	Q2
7Y	+14.78%	+11.69%	+3.09	16 / 63	Q2
10Y	+13.31%	+10.10%	+3.21	5 / 46	Q1
Inception	+12.98%	+10.74%	+2.24	17 / 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	-6.11%	-5.99%	-0.12	39 / 70
2025	+4.69%	+2.19%	+2.51	15 / 70
2024	+17.82%	+16.51%	+1.31	24 / 70
2023	+26.99%	+24.04%	+2.95	20 / 68
2022	+2.42%	+1.46%	+0.96	24 / 65
2021	+36.28%	+33.28%	+3.00	18 / 68
2020	+22.03%	+13.91%	+8.12	7 / 68
2019	+10.46%	+5.99%	+4.47	31 / 66
2018	-4.33%	-7.59%	+3.26	25 / 56
2017	+26.19%	+29.87%	-3.68	37 / 50
2016	-0.50%	+1.05%	-1.56	35 / 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

+15.88%

152 windows

min -24.5% · max 81.5%

81% positive

3-Year rolling

+13.87%

127 windows

min -4.9% · max 30.3%

98% positive

5-Year rolling

+13.98%

103 windows

min -2.4% · max 24.5%

99% positive

7-Year rolling

+13.49%

79 windows

min 6.2% · max 17.8%

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

13.58%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.70

Downside-only deviation

Max drawdown

-18.32%

Sep 2024 → Feb 2025

% positive months

75.0%

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
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	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

Recent NAVs

Date	NAV
3 Jun 2026	₹67.9600
2 Jun 2026	₹68.1100
1 Jun 2026	₹68.0300
29 May 2026	₹68.8000
27 May 2026	₹69.6700
26 May 2026	₹69.3600
25 May 2026	₹69.4600
22 May 2026	₹68.6000
21 May 2026	₹68.5500
20 May 2026	₹68.3100

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 Union ELSS Tax Saver Fund - Direct Plan - IDCW Option is ₹67.9600. It's a ELSS from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Union ELSS Tax Saver Fund - Direct Plan - IDCW 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 - IDCW Option has delivered a absolute return of -0.70% — -2.4 pp behind the ELSS category average of 1.70%. The fund ranks #26 of 76 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Union ELSS Tax Saver Fund - Direct Plan - IDCW Option has delivered a CAGR of 12.72% — +1.77 pp ahead of the ELSS category average of 10.95%. The fund ranks #27 of 75 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union ELSS Tax Saver Fund - Direct Plan - IDCW Option has delivered a CAGR of 12.77% — +2.12 pp ahead of the ELSS category average of 10.65%. The fund ranks #19 of 65 in its category — the second (Q2) quartile.

₹1 lakh invested in Union ELSS Tax Saver Fund - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹348,747 today — a multiplier of 3.49×, based on the 10-year CAGR of 13.31%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in Union ELSS Tax Saver Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹765,583 today. That's an XIRR (money-weighted annualised return) of 9.68%.

A ₹10,000 monthly SIP for 10 years in Union ELSS Tax Saver Fund - Direct Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,442,633 (multiplier 2.04×). XIRR: 13.61%. 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 - IDCW Option ranks #19 out of 65 funds in the ELSS category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.65%; this fund delivered 12.77%.

The worst peak-to-trough decline Union ELSS Tax Saver Fund - Direct Plan - IDCW 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 - IDCW Option averaged 13.98% (best 24.51%, worst -2.37%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, Union ELSS Tax Saver Fund - Direct Plan - IDCW Option returned 4.69% — beating the ELSS category average of 2.19% by 2.50 pp. It ranked #15 of 70 in its category that year.

Union ELSS Tax Saver Fund - Direct Plan - IDCW 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 - IDCW 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: 12.77%.

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