Should I invest in Union ELSS Tax Saver Fund?

We don't give personal investment advice. Union ELSS Tax Saver Fund - 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: 18.6%. 5-year CAGR: 11.81%.

Union

Union ELSS Tax Saver Fund - IDCW Option

Latest NAV

₹34.7100

As of

3 Jun 2026

3,547 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%	-2.11%	+2.22	38 / 90	Q2
1W	-1.81%	-4.12%	+2.31	59 / 87	Q3
2W	-0.11%	-3.75%	+3.63	33 / 87	Q2
1M	-1.92%	-5.60%	+3.68	54 / 87	Q3
3M	-2.79%	-5.40%	+2.60	44 / 87	Q3
6M	-6.78%	-3.98%	-2.80	55 / 89	Q3
YTD	-6.45%	-5.20%	-1.26	49 / 89	Q3
1Y	-1.58%	+1.41%	-2.99	42 / 87	Q2
2Y	+2.00%	-0.15%	+2.15	33 / 86	Q2
3Y	+11.70%	+6.12%	+5.58	39 / 81	Q2
4Y	+12.33%	+7.91%	+4.43	39 / 78	Q2
5Y	+11.81%	+6.94%	+4.86	26 / 77	Q2
7Y	+13.93%	+8.75%	+5.18	14 / 75	Q1
10Y	+9.55%	+8.10%	+1.45	38 / 69	Q3
Inception	+9.01%	+5.86%	+3.15	40 / 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	-6.45%	-7.12%	+0.67	19 / 47
2025	+3.75%	+1.54%	+2.21	20 / 47
2024	+16.76%	+18.17%	-1.41	27 / 47
2023	+25.90%	+23.46%	+2.44	21 / 49
2022	+1.52%	+0.75%	+0.77	21 / 52
2021	+35.45%	+28.91%	+6.54	10 / 54
2020	+21.45%	+11.40%	+10.04	5 / 56
2019	+4.52%	+2.03%	+2.49	26 / 59
2018	-11.57%	-9.68%	-1.89	42 / 61
2017	+9.10%	+29.95%	-20.86	62 / 65
2016	-9.03%	-0.31%	-8.72	63 / 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

+10.36%

164 windows

min -28.0% · max 80.6%

70% positive

3-Year rolling

+9.16%

140 windows

min -11.2% · max 29.3%

74% positive

5-Year rolling

+8.47%

115 windows

min -9.4% · max 23.5%

83% positive

7-Year rolling

+7.56%

91 windows

min -1.7% · max 16.1%

98% 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

0.41

vs risk-free 6.5%

Sortino ratio

0.60

Downside-only deviation

Max drawdown

-18.64%

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 TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹34.7100
2 Jun 2026	₹34.7900
1 Jun 2026	₹34.7500
29 May 2026	₹35.1400
27 May 2026	₹35.5900
26 May 2026	₹35.4300
25 May 2026	₹35.4800
22 May 2026	₹35.0400
21 May 2026	₹35.0200
20 May 2026	₹34.9000

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 - IDCW Option is ₹34.7100. It's a ELSS from Union, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union ELSS Tax Saver Fund - IDCW Option has NAV history starting from 30 Dec 2011, a track record of about 14 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 - 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 - IDCW Option has delivered a absolute return of -1.58% — -2.99 pp behind the ELSS category average of 1.41%. The fund ranks #42 of 87 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Union ELSS Tax Saver Fund - IDCW Option has delivered a CAGR of 11.70% — +5.58 pp ahead of the ELSS category average of 6.12%. The fund ranks #39 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union ELSS Tax Saver Fund - IDCW Option has delivered a CAGR of 11.81% — +4.86 pp ahead of the ELSS category average of 6.94%. The fund ranks #26 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in Union ELSS Tax Saver Fund - IDCW Option exactly 10 years ago would be worth approximately ₹249,034 today — a multiplier of 2.49×, based on the 10-year CAGR of 9.55%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in Union ELSS Tax Saver Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹746,594 today. That's an XIRR (money-weighted annualised return) of 8.67%.

A ₹10,000 monthly SIP for 10 years in Union ELSS Tax Saver Fund - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,198,842 (multiplier 1.83×). XIRR: 11.64%. 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 - IDCW Option ranks #26 out of 77 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 6.94%; this fund delivered 11.81%.

The worst peak-to-trough decline Union ELSS Tax Saver Fund - IDCW Option has experienced over the last 5-year window is 18.64% — 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 - IDCW Option averaged 8.47% (best 23.53%, worst -9.42%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is 0.43 — weak risk-adjusted performance.

In calendar year 2025, Union ELSS Tax Saver Fund - IDCW Option returned 3.75% — beating the ELSS category average of 1.54% by 2.21 pp. It ranked #20 of 47 in its category that year.

Union ELSS Tax Saver Fund - 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 - 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: 18.6%. 5-year CAGR: 11.81%.

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