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Union ELSS Tax Saver Fund - Direct Plan - IDCW

  • Regular
  • Direct
Category : ELSS
Fund House : Union Mutual Fund
  • NAV
    : ₹ 72.57 0%
    (as on 17th October, 2025)
Crisil Rating
Below average performance among peers
Risk-O-Meter
Very High Risk

The fund has 98.31% investment in domestic equities of which 41.79% is in Large Cap stocks, 14.55% is in Mid Cap stocks, 12.16% in Small Cap stocks.The fund has 0.04% investment in Debt, of which 0.04% in Government securities.

Suitable For : Investors who are looking to invest money for at least 3 years and looking for additional benefits of income tax saving apart from higher returns expectations. At the same time, these investors should also be ready for possibility of moderate losses in their investments and 3 year lock-in period.

This Scheme
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Returns (NAV as on 17th October, 2025)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 10-Oct-25 10087.60 0.88% - 0.92% 30/54
1 Month 17-Sep-25 10000.00 - - 0.05% 31/54
3 Month 17-Jul-25 10186.70 1.87% - 0.38% 11/54
6 Month 17-Apr-25 11216.40 12.16% - 10.13% 12/54
YTD 01-Jan-25 10506.70 5.07% - 3.86% 17/53
1 Year 17-Oct-24 10273.20 2.73% 2.73% 0.65% 16/53
2 Year 17-Oct-23 13595.00 35.95% 16.57% 17.73% 33/53
3 Year 17-Oct-22 16242.20 62.42% 17.53% 19.18% 36/50
5 Year 16-Oct-20 26227.00 162.27% 21.24% 23.32% 35/49
10 Year 16-Oct-15 35625.90 256.26% 13.53% 14.99% 22/27
Since Inception 01-Jan-13 55270.40 452.70% 14.29% 16.36% 21/54

SIP Returns (NAV as on 17th October, 2025)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 17-Oct-24 12000 12884.72 7.37 % 13.91 %
2 Year 17-Oct-23 24000 27048.99 12.7 % 11.95 %
3 Year 17-Oct-22 36000 45559.55 26.55 % 15.89 %
5 Year 16-Oct-20 60000 90613.57 51.02 % 16.49 %
10 Year 16-Oct-15 120000 282008.38 135.01 % 16.29 %
 

Tax Treatment

You can not sell your investments in this fund for 3 years from the purchase date. Long term capital gain tax will be applicable when you sell your investments after 3 years. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakhs in a financial year. Any cess/surcharge is not included. However, you can claim a deduction on your taxable income under section 80c for your investments in this fund. (Current tax deductions are capped at 1.5 lakh per year).

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 71.00%  |   Category average turnover ratio is 64.28%  
Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)
Equity Holding : 98.31% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.31%
No of Stocks : 73 (Category Avg - 53.58) | Large Cap Investments : 41.79%| Mid Cap Investments : 14.55% | Small Cap Investments : 12.16% | Other : 29.81%

Top 10 Stocks in Portfolio

How to read this table?
Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
HDFC Bank Ltd. Private sector bank 691.4 7.72% -0.01% 8.08% (Jul 2025) 7.15% (Jan 2025) 7.27 L 0.00
ICICI Bank Ltd. Private sector bank 500.7 5.59% -0.21% 6.72% (Mar 2025) 5.59% (Sep 2025) 3.71 L 0.00
Reliance Industries Ltd. Refineries & marketing 317.8 3.55% 0.02% 3.77% (Jun 2025) 2.34% (Dec 2024) 2.33 L 0.00
Bharti Airtel Ltd. Telecom - cellular & fixed line services 298.7 3.34% -0.02% 3.45% (Jun 2025) 2.73% (Dec 2024) 1.59 L 0.00
Gabriel India Ltd. Auto components & equipments 286.4 3.20% -0.68% 3.88% (Aug 2025) 0.77% (Nov 2024) 2.42 L -0.59 L
Infosys Ltd. Computers - software & consulting 283.3 3.16% -0.07% 4.28% (Nov 2024) 3.16% (Sep 2025) 1.97 L 0.00
Larsen & Toubro Ltd. Civil construction 279.7 3.12% 0.04% 3.12% (Sep 2025) 2.35% (Oct 2024) 76.45 k 0.00
State Bank Of India Public sector bank 238.6 2.67% 0.22% 2.67% (Sep 2025) 2.18% (Oct 2024) 2.74 L 0.00
Maruti Suzuki India Ltd. Passenger cars & utility vehicles 235.3 2.63% 0.55% 2.63% (Sep 2025) 0.75% (Dec 2024) 14.68 k 2.10 k
Kotak Mahindra Bank Ltd. Private sector bank 195.3 2.18% 0.49% 2.18% (Sep 2025) 0% (Oct 2024) 98.00 k 21.00 k
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 1 (Category Avg - 0.53) | Modified Duration 0.00 Years (Category Avg - 0.00)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 0.00% 0.01%
CD 0.00% 0.18%
T-Bills 0.04% 0.01%
CP 0.00% 0.03%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 0.04% 0.02%
Low Risk 0.00% 0.00%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
TREPS TREPS 1.93%
Net Receivables Net Receivables -0.28%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2025)

  • Standard Deviation

    Low volatility
    10.97vs11.71
    Category Avg
  • Beta

    High volatility
    0.93vs0.92
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.85vs0.92
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.1vs0.12
    Category Avg
  • Jensen's Alpha

    Poor risk adjusted returns
    -0.02vs1.08
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
HDFC ELSS Tax saver - Direct Plan - Growth 5 16644.54 1.13 3.39 9.44 7.69 23.86
Parag Parikh ELSS Tax Saver Fund - Direct Plan - Growth 4 5638.79 -0.63 1.39 8.36 6.19 19.74
Mirae Asset ELSS Tax Saver Fund - Direct Plan - Growth 3 25910.64 0.89 1.60 12.11 5.80 19.60
PGIM India ELSS Tax Saver Fund - Direct Plan - Growth 3 757.48 0.54 1.56 8.16 5.65 16.01
WhiteOak Capital ELSS Tax Saver Fund - Direct Plan - Growth NA 414.27 0.52 1.16 10.82 5.03 23.02
Navi ELSS Tax Saver Nifty 50 Index Fund - Direct Plan - Growth NA 102.15 1.51 2.67 8.63 5.00 0.00
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth 3 14425.23 0.64 3.67 8.85 4.95 18.58
Aditya Birla Sun Life ELSS Tax Saver Fund - Direct Plan - Growth 3 15174.87 0.77 2.47 12.61 4.28 16.76
Mahindra Manulife ELSS Tax Saver Fund - Direct Plan - Growth 3 942.34 0.17 1.24 8.93 4.17 17.64
Sundaram ELSS Tax Saver Fund - Direct Plan - Growth 3 1356.01 0.03 1.24 8.67 3.87 16.45

More Funds from Union Mutual Fund

Out of 32 mutual fund schemes offered by this AMC, 9 is/are ranked 3 * , 4 is/are ranked 2 * , 1 is/are ranked 1 * , and 18 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Union Liquid Fund - Direct Plan - Growth 3 5008.37 0.48 1.44 3.04 6.84 7.12
Union Flexi Cap Fund - Direct Plan - Growth 3 2338.33 0.48 1.43 10.33 3.07 17.85
Union Flexi Cap Fund - Direct Plan - Growth 3 2338.33 0.48 1.43 10.33 3.07 17.85
Union Small Cap Fund - Direct Plan - Growth 1 1710.49 -1.87 -0.52 15.84 -3.28 18.17
Union Midcap Fund - Direct Plan - Growth 3 1550.58 -0.34 1.66 15.80 3.12 21.03
Union Balanced Advantage Fund - Direct Plan - Growth NA 1345.26 0.77 1.96 7.05 5.58 12.31
Union Multicap Fund - Direct Plan - Growth NA 1274.59 0.06 2.06 12.86 1.63 0.00
Union Innovation & Opportunities Fund - Direct Plan - Growth NA 1068.20 -0.65 5.77 18.46 3.12 0.00
Union Large and Mid Cap Fund - Direct Plan - Growth 3 914.13 0.21 2.57 13.29 3.55 18.06
Union ELSS Tax Saver Fund - Direct Plan - Growth 2 895.16 0.00 1.87 12.16 2.73 17.53

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