Union ELSS Tax Saver Fund
NAV
₹73.39
as of 21 Aug 2026
Union ELSS Tax Saver Fund is an open-ended ELSS scheme from Union Mutual Fund managing ₹862 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹73.39 as of 21 Aug 2026. The expense ratio is 1.2% a year. Managed by Sanjay Bembalkar. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 1.2% / yr
- as of 30 Jun 2026
- Fund size
- ₹862 crore
- as of 31 Jul 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 23 Dec 2011
- ISIN
- INF582M01765
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: BSE 500 Index
Union ELSS Tax Saver Fund
₹180
+80% on ₹100 over 5.0 yrs
ELSS average
₹182
+82% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 6.97% | 5.71% | +1.26 |
| 6 months | 2.21% | 2.09% | +0.12 |
| 1 year | 2.98% | 2.03% | +0.95 |
| 3 years (CAGR) | 12.63% | 13.46% | -0.83 |
| 5 years (CAGR) | 12.45% | 12.99% | -0.54 |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- -2.9%
- Median
- 7.9%
- Best
- 39.5%
49 windows over the last 60 months, stepped monthly; 92% ended positive. Worst window began 1 Oct 2024. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 12.4%
- Median
- 16.1%
- Best
- 21.5%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Aug 2023. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.41
- Sharpe ratio (5Y)
- 0.51
- Sortino ratio (3Y)
- 0.59 vs category 0.62
- Standard deviation (3Y)
- 14.45%
- Beta (3Y)
- 0.92
- Alpha (3Y)
- 0.24%
- Deepest fall (5Y)
- -17.16%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-17.2%
Right now
-0.2% below peak
Ahead of its benchmark in 58% of months (window: 3y, monthly) — benchmark: BSE 500 Index, name shown only.
Where the money actually is
Equity
98.4%
Cash
1.6%
Whole-portfolio split, as of 30 Jun 2026.
What it owns
79 positions · top 10 = 32.3%
Market-cap mix
Large 58.0%Mid 19.6%Small 20.7%Other 1.6%
as of 30 Jun 2026
Holdings by sector
Financial Services(4 in top 10)27.9%
- HDFC Bank Ltd5.72%
- ICICI Bank Ltd5.68%
- Axis Bank Ltd2.65%
- State Bank of India2.44%
Industrials(1 in top 10)18.3%
- Larsen & Toubro Ltd2.22%
Consumer Cyclical(2 in top 10)12.6%
- Gabriel India Ltd2.76%
- Maruti Suzuki India Ltd2.19%
- Basic Materials8.9%
- Technology6.9%
- Healthcare6.5%
Energy(1 in top 10)5.0%
- Reliance Industries Ltd3.52%
- Consumer Defensive4.7%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 30 Jun 2026. Portfolio turnover 97.3% vs category 35.8% a year.
Other top holdings
- Bharti Airtel Ltd3.11%
- Treps2.05%
The businesses it owns
- P/E (trailing)
- 28.0 vs category 24.3
- P/B
- 3.9 vs category 3.3
- Dividend yield
- 0.8% vs category 1.2%
- Net margin
- 17.4% vs category 17.4%
- Earnings growth
- 13.5%
- Avg market cap
- ₹1.57 lakh crore
Money in, money out
- Net flow, 12 months
- −₹62 cr
- Net flow, 3 months
- −₹16 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Union ELSS Tax Saver Fund?
- ₹73.39 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Union ELSS Tax Saver Fund?
- 1.2% a year for the Direct plan, as of 30 Jun 2026.
- How large is Union ELSS Tax Saver Fund?
- ₹862 crore under management as of 31 Jul 2026, in the ELSS category.
- How risky is Union ELSS Tax Saver Fund?
- Its SEBI Riskometer reading is "Very High Risk". Equity with a three-year lock and a Section 80C deduction attached.
- What are the 5-year returns of Union ELSS Tax Saver Fund?
- 12.45% a year over the last 5 years (Direct plan, CAGR), against a ELSS average of 12.99%. Past returns do not predict future returns.
- What is the worst 3-year return of Union ELSS Tax Saver Fund?
- 12.4% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Aug 2023. The median was 16.1% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Union ELSS Tax Saver Fund?
- Sanjay Bembalkar, managing this fund for 5.2 years.
Where this fund sits
Its shelf, all funds
El · ELSS tax saver →
Equity with a three-year lock and a Section 80C deduction attached.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other ELSS funds
- Axis ELSS Tax Saver Fund₹32,592 crore
- SBI ELSS Tax Saver Fund₹32,300 crore
- Mirae Asset ELSS Tax Saver Fund₹26,049 crore
- DSP ELSS Tax Saver Fund₹16,738 crore
- Baroda BNP Paribas ELSS Tax Saver Fund₹917 crore
- Mahindra Manulife ELSS Tax Saver Fund₹904 crore
- PGIM India ELSS Tax Saver Fund₹718 crore
- WhiteOak Capital ELSS Tax Saver Fund₹474 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (BSE 500 Index) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.