Aditya Birla Sun Life ELSS Tax Saver Fund
Aditya Birla Sun Life Mutual Fund · ELSS · Regular plan, growth option
NAV (₹), 1 Oct 2026
57.9200
1-day change
-0.79%
1Y return
-4.1%
3Y CAGR
8.6%
5Y CAGR
6.4%
Max drawdown, 5Y
−18.5%
NAV history month-end NAV, ₹ · 10 Mar 2008 to 1 Oct 2026
Returns vs ELSS median (39 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -6.6% | -5.7% |
| 3 months | -5.4% | -4.2% |
| 6 months | 4.2% | 5.9% |
| Year to date | -7.1% | -5.5% |
| 1 year | -4.1% | -3.4% |
| 3 years (CAGR) | 8.6% | 9.1% |
| 5 years (CAGR) | 6.4% | 9.2% |
| 7 years (CAGR) | 9.8% | 13.9% |
| 10 years (CAGR) | 9.2% | 12.0% |
| Since first NAV (CAGR) | 10.0% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.8% | 10.7% |
| 3Y rolling median | 12.3% | 14.5% |
| 3Y rolling worst | -4.9% | -5.3% |
| 3Y periods positive | 96% | 97% |
| 3Y periods ahead of benchmark | 1% | 42% |
| 5Y rolling median | 12.7% | 14.3% |
| 5Y rolling worst | 0.2% | 0.2% |
| 5Y periods ahead of benchmark | 0% | 44% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 14.8% | 15.4% |
| Sharpe ratio | 0.24 | 0.25 |
| Sortino ratio | 0.35 | 0.35 |
| Beta | 0.94 | 0.96 |
| Alpha (ann.) | 0.4% | 0.5% |
| Upside capture | 95.40 | 95.21 |
| Downside capture | 94.38 | 98.01 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −57.6% | −37.8% |
| Maximum drawdown, last 10Y | −35.2% | −36.9% |
| Maximum drawdown, last 5Y | −18.5% | −18.9% |
| Current drawdown | −8.5% | −9.3% |
| Recovery time of worst fall | 221 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.79% a year and the Direct plan's 1.09%, a gap of 0.70%; over the last 3 years the Direct plan returned 0.80 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹16,15,250.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 8 Sep 2026: TER increased from 1.78% to 1.79% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Dhaval Shah | Primary | 31 Oct 2024 |
Objective: An open-ended equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities.
Stated asset allocation: Under normal circumstances, the asset allocation of the Scheme will be as follows: Equity & Equity Related Instruments - 80%-100% Liquid* and Money Market instruments - 0% - 20% Units of Mutual Funds^ - 0% - 20% ^ Overnight, Liquid & Money Market Funds *as defined by SEBI
Benchmark (tier 1): NIFTY 500 TRI
Minimum application: ₹500
Allotment date: 29 Mar 1996
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.79% | 2.23% |
| AUM, whole scheme (₹ crore) | 13,559 | 1,987 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -2.7% | -2.0% TRI |
| Return, 3 years (AMFI) | 8.9% | 9.5% TRI |
| Return, 5 years (AMFI) | 6.4% | 9.0% TRI |
| Month-ends above category median (3Y CAGR) | 35% | 46% median |
| Month-ends in category top quartile (3Y) | 24% | 23% median |
| 7Y rolling CAGR, median (monthly windows) | 11.7% | 13.8% median |
Official benchmark: Nifty 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, ELSS Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -7.1% | -7.8% | +0.6% |
| 2025 | 9.3% | 7.7% | +1.7% |
| 2024 | 16.4% | 15.6% | +0.7% |
| 2023 | 18.9% | 26.5% | −7.6% |
| 2022 | -1.4% | 3.8% | −5.2% |
| 2021 | 12.7% | 30.6% | −17.9% |
| 2020 | 15.2% | 17.2% | −2.0% |
| 2019 | 4.3% | n/a | – |
| 2018 | -4.5% | n/a | – |
| 2017 | 43.2% | n/a | – |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,14,221 | -8.8% |
| 3 years | ₹3,60,000 | ₹3,69,990 | 1.8% |
| 5 years | ₹6,00,000 | ₹7,10,383 | 6.7% |
| 10 years | ₹12,00,000 | ₹18,54,458 | 8.4% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: ELSS
Plan / option: Regular · Growth
AMFI scheme code: 107745
ISIN: INF209K01108
First NAV in MFIC data: 10 Mar 2008
History: 18.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Bajaj Finserv Large & Mid Cap Fund | Large & Mid Cap | 0.98 | n/a |
| Mirae Asset ELSS Tax Saver Fund | ELSS | 0.98 | 9.6% |
| Mirae Asset Large & Midcap Fund | Large & Mid Cap | 0.98 | 9.3% |
| Bandhan Business Cycle Fund | Sectoral/Thematic | 0.98 | n/a |
| Mirae Asset Flexi Cap Fund | Flexi Cap | 0.98 | 9.7% |
| Canara Robeco Flexi Cap Fund | Flexi Cap | 0.98 | 9.0% |
Questions about Aditya Birla Sun Life ELSS Tax Saver Fund
- What is the latest NAV of Aditya Birla Sun Life ELSS Tax Saver Fund?
- The NAV of the Regular plan (growth option) was ₹57.9200 on 1 Oct 2026, as published by AMFI.
- Which category is Aditya Birla Sun Life ELSS Tax Saver Fund in?
- It is classified as ELSS in AMFI's daily NAV file; a ELSS scheme is an equity-linked savings scheme with a three-year lock-in. MFIC compares it with 39 ELSS schemes (Regular plans).
- What returns has Aditya Birla Sun Life ELSS Tax Saver Fund delivered?
- Over one year the NAV changed by -4.1%. The 3-year CAGR is 8.6% (category median 9.1%) and the 5-year CAGR is 6.4% (category median 9.2%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 12.3%, the lowest was -4.9%, and 96% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 1% of those periods.
- What was the largest fall in Aditya Birla Sun Life ELSS Tax Saver Fund's NAV?
- The largest peak-to-trough fall in its available history was 57.6%; within the last five years it was 18.5% (category median 18.9%).
- How volatile is Aditya Birla Sun Life ELSS Tax Saver Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 14.8%, which is below the ELSS category median of 15.4%.
- What would a monthly SIP in Aditya Birla Sun Life ELSS Tax Saver Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,10,383 on 1 Oct 2026, an annualised return (XIRR) of 6.7%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Aditya Birla Sun Life ELSS Tax Saver Fund?
- The total expense ratio of the Regular plan is 1.79% a year, as disclosed to AMFI (median of ELSS Regular plans: 2.23%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Aditya Birla Sun Life ELSS Tax Saver Fund?
- Assets under management of the whole scheme were ₹13,559 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Aditya Birla Sun Life ELSS Tax Saver Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Aditya Birla Sun Life ELSS Tax Saver Fund and how has it compared?
- Its official benchmark is the Nifty 500 TRI. Over 3 years AMFI reports a return of 8.9% for this plan against 9.5% for the benchmark total return index; over 5 years 6.4% against 9.0%. Past performance does not indicate future results.
- How often has Aditya Birla Sun Life ELSS Tax Saver Fund beaten its category?
- At 35% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of ELSS schemes (Regular plans); it was in the top quarter at 24% of them. A typical scheme would show about 50%.
- Who manages Aditya Birla Sun Life ELSS Tax Saver Fund?
- According to its Scheme Summary Document, Aditya Birla Sun Life ELSS Tax Saver Fund is managed by Dhaval Shah (since 31 Oct 2024).
- What is the minimum investment in Aditya Birla Sun Life ELSS Tax Saver Fund?
- The minimum application amount is ₹500.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -3.5% and the Regular plan's by -4.1%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.