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: 12.69%.

Union

Union ELSS Tax Saver Fund - Direct Plan - IDCW 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%	+0.18%	+0.04	33 / 76	Q2
1W	+0.39%	+0.02%	+0.37	15 / 76	Q1
2W	+0.88%	+0.25%	+0.63	10 / 76	Q1
1M	+2.59%	+1.60%	+0.98	12 / 76	Q1
3M	+4.15%	+3.34%	+0.81	25 / 76	Q2
6M	+2.09%	+1.60%	+0.50	22 / 76	Q2
YTD	-0.45%	+0.65%	-1.10	43 / 76	Q3
1Y	+1.36%	+3.29%	-1.93	24 / 76	Q2
2Y	+2.43%	+2.13%	+0.30	20 / 75	Q2
3Y	+12.28%	+10.81%	+1.47	29 / 75	Q2
4Y	+14.89%	+12.20%	+2.69	20 / 69	Q2
5Y	+12.69%	+10.65%	+2.04	18 / 65	Q2
7Y	+16.58%	+13.29%	+3.29	16 / 63	Q2
10Y	+13.61%	+10.17%	+3.44	5 / 46	Q1
Inception	+13.34%	+11.17%	+2.17	18 / 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	-0.45%	-1.35%	+0.90	38 / 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

+15.87%

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 - 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
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹439.8600	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

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 - IDCW Option is ₹72.2100. 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 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 - 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 1.36% — -1.93 pp behind the ELSS category average of 3.29%. The fund ranks #24 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 12.28% — +1.47 pp ahead of the ELSS category average of 10.81%. The fund ranks #29 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 12.69% — +2.04 pp ahead of the ELSS category average of 10.65%. The fund ranks #18 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 ₹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 ₹263,459.

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 ₹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 - IDCW 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 - IDCW Option ranks #18 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 12.69%.

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 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 - 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: 12.69%.

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