Union ELSS Tax Saver Fund · Regular · Growth
NAV
₹65.6700
as of 31 Jul 2026
Expense Ratio
2.29%
AUM
₹836 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.83%
- 3Y
- +10.74%
- 5Y
- +11.49%
- Since Inception
- +13.75%
SIP returns (XIRR)
- 1Y
- +3.80%
- 3Y
- +6.48%
- 5Y
- +10.16%
- Since Inception
- +12.88%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,86,917 today — ₹5,95,000 invested, 13.4% XIRR.
₹5,95,000
Invested
₹11,86,917
Value today
13.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,17,093 today (12.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹19,84,015.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,86,917 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹30,490.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹3,82,247 today (3.82×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.06
Sharpe Ratio
+0.02
Alpha
0.28
Beta
0.05
Sortino
14.44%
Std Dev
-14.53%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Investment Objective
Union ELSS Tax Saver Fund · Regular · Growth is a tax-saving equity fund (ELSS) that offers tax deduction under Section 80C of the Income Tax Act, with a mandatory 3-year lock-in period. The fund aims to generate long-term capital appreciation while providing tax benefits of up to ₹46,800 per year.
About This Fund
Union ELSS Tax Saver Fund · Regular · Growth is a ELSS Tax Saver mutual fund offered by Union Mutual Fund. The fund has been operational for over 14 years. It manages assets worth ₹836 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.29%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Salaried individuals and taxpayers seeking to save tax under Section 80C
- •SIP investors who can benefit from rupee cost averaging during market fluctuations