Home Mf Research Union Elss Tax Saver Fund Regular Plan Growth

Union ELSS Tax Saver Fund - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
65.15 -0.69%
AUM (Fund Size)
77
Expense Ratio
2.27%
Exit load
Nil
Risk
Very High Risk
AMC
Union Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹996.94
-0.31 %
Two Week 2025-07-03 ₹1,000.00 ₹994.50
-0.55 %
One Month 2025-06-18 ₹1,000.00 ₹1,026.47
2.65 %
Three Months 2025-04-21 ₹3,000.00 ₹3,141.08
4.70 %
Six Months 2025-01-20 ₹6,000.00 ₹6,463.32
7.72 %
One Year 2024-07-18 ₹12,000.00 ₹12,584.58
4.87 %
Three Year 2022-07-19 ₹36,000.00 ₹45,707.85
26.97 %
Five Year 2020-07-20 ₹60,000.00 ₹91,114.95
51.86 %
Ten Year 2015-07-21 ₹120,000.00 ₹271,482.51
126.24 %
Since Inception 2011-12-23 ₹166,000.00 ₹475,510.72
186.45 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 61%
Debt 2%
Others 100%

Sectors Holding in Union ELSS Tax Saver Fund - Regular Plan - Growth

Banks
17%
Petroleum Products
3%
IT - Software
5%
Telecom - Services
3%
Construction
2%
Aerospace & Defense
3%
Finance
2%
Transport Services
1%
Electrical Equipment
3%
Power
1%
Insurance
1%
Cement & Cement Products
1%
Auto Components
3%
Textiles & Apparels
1%
Diversified FMCG
2%
Consumer Durables
2%
Ferrous Metals
1%
Automobiles
2%
Retailing
1%
Agricultural Food & Other Products
1%
Household Products
1%
Capital Markets
1%
Healthcare Services
1%
Chemicals & Petrochemicals
1%
Pharmaceuticals & Biotechnology
1%
Non - Ferrous Metals
1%
Industrial Products
0%
Commercial Services & Supplies
0%
IT - Services
0%
Other
102%

Companies Holding in Union ELSS Tax Saver Fund - Regular Plan - Growth

HDFC Bank Ltd.
7.82%
ICICI Bank Ltd.
5.94%
Reliance Industries Ltd.
3.66%
Infosys Ltd.
3.40%
Bharti Airtel Ltd.
3.26%
Larsen & Toubro Ltd.
2.75%
Axis Bank Ltd.
2.49%
State Bank Of India
2.46%
Bharat Electronics Ltd.
2.15%
Jio Financial Services Ltd.
1.94%
Kotak Mahindra Bank Ltd.
1.77%
Interglobe Aviation Ltd.
1.75%
CG Power And Industrial Solutions Ltd.
1.63%
NTPC Ltd.
1.58%
Max Financial Services Ltd.
1.53%
JK Cement Ltd.
1.52%
Gabriel India Ltd.
1.50%
Gokaldas Exports Ltd.
1.47%
ITC Ltd.
1.42%
Eureka Forbes Ltd.
1.34%
Tech Mahindra Ltd.
1.31%
Suzlon Energy Ltd.
1.31%
Tata Consultancy Services Ltd.
1.31%
Jindal Steel & Power Ltd.
1.28%
TVS Motor Company Ltd.
1.27%
CEAT Ltd.
1.21%
Hindustan Unilever Ltd.
1.18%
UNO Minda Ltd.
1.18%
Info Edge (India) Ltd.
1.18%
Hitachi Energy India Ltd.
1.15%
Maruti Suzuki India Ltd.
1.15%
Dixon Technologies (India) Ltd.
1.10%
Balrampur Chini Mills Ltd.
1.08%
Doms Industries Ltd.
1.06%
Hindustan Aeronautics Ltd.
1.05%
HDFC Asset Management Co. Ltd.
1.03%
Max Healthcare Institute Ltd.
1.03%
Pidilite Industries Ltd.
1.03%
Sun Pharmaceutical Industries Ltd.
1.02%
Bajaj Finance Ltd.
1.01%
Hindalco Industries Ltd.
1.00%
Cipla Ltd.
0.95%
Vishal Mega Mart Ltd.
0.94%
Supreme Industries Ltd.
0.92%
Campus Activewear Ltd.
0.89%
Cummins India Ltd.
0.88%
IPCA Laboratories Ltd.
0.86%
Solar Industries India Ltd.
0.85%
Shriram Finance Ltd.
0.83%
Mphasis Ltd.
0.82%
Alivus Life Sciences Ltd.
0.81%
JSW Energy Ltd.
0.81%
Kfin Technologies Ltd.
0.81%
Tata Steel Ltd.
0.77%
Greenply Industries Ltd.
0.76%
Cholamandalam Investment & Finance Co. Ltd.
0.76%
Karur Vysya Bank Ltd.
0.76%
Ajanta Pharma Ltd.
0.75%
SBI Cards & Payment Services Ltd.
0.74%
KEC International Ltd.
0.73%
BSE Ltd.
0.73%
Hindustan Petroleum Corporation Ltd.
0.73%
Endurance Technologies Ltd.
0.67%
Krishna Institute Of Medical Sciences Ltd.
0.64%
Awfis Space Solutions Ltd.
0.63%
Aadhar Housing Finance Ltd.
0.61%
Inventurus Knowledge Solutions Ltd.
0.59%
Eternal Ltd.
0.51%
Cohance Lifesciences Ltd.
0.39%
Lupin Ltd.
0.38%
Bluspring Enterprises Ltd.
0.24%
Digitide Solutions Ltd.
0.20%
364 Day Treasury Bills
0.04%
182 Day Treasury Bills
0.03%
TREPS
2.38%
Net Receivable / Payable
0.27%
GRAND TOTAL (AUM)
100.00%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Risk-O-Meter

Investors understand that their principal will be at
Very High Risk

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.27
Expense Ratio Direct
1.37
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Sanjay Bembalkar
Over 17 years in Equity Research and Fund Management Experience
Hardick Bora
Over 16 years in financial services Experience

Exit load

Nil

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