Can I invest in SIP and Lumpsum in Union ELSS Tax Saver Fund - Regular (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in Union ELSS Tax Saver Fund - Regular (IDCW). Minimum lumpsum investment Union ELSS Tax Saver Fund - Regular (IDCW) is ₹500 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Union ELSS Tax Saver Fund - Regular (IDCW) Direct Growth?

The latest NAV ( Net Asset Value ) of Union ELSS Tax Saver Fund - Regular (IDCW) is Union ELSS Tax Saver Fund - Regular (IDCW) is ₹35.18 as on 2025-06-19.

Which are the biggest stock holdings of Union ELSS Tax Saver Fund - Regular (IDCW)?

The 5 biggest stock holdings of Union ELSS Tax Saver Fund - Regular (IDCW) are: HDFC Bank (7.82%), ICICI Bank (5.94%), Reliance Industr (3.66%), Infosys (3.40%), Bharti Airtel (3.26%)

What are the top sectors Union ELSS Tax Saver Fund - Regular (IDCW) invests in?

A majority of Union ELSS Tax Saver Fund - Regular (IDCW) 's AUM worth ₹904.12 (Cr) is invested in these 3 top sectors: Banks : 21.59% IT-Software : 8.64% Pharmaceuticals & Biotech : 6.21%

Mutual Funds
AMC
Union ELSS Tax Saver Fund - Regular (IDCW)

Union ELSS Tax Saver Fund - Regular (IDCW)

ELSS

Invest Now

NAV
35.18(-0.85%)
Fund Size (CR)
₹904.12
Expense Ratio
2.27
Scheme Type
Active Fund
Value Research

Min. investment
₹500
Minimum Additional Investment
₹500
Minimum SIP Investment
₹500
Minimum Withdrawal
₹500
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
14.62%

Absolute Return: 6.93%

Annualized Return: 0%

Basic Details

Scheme Manager

Sanjay Bembalkar

Bench Mark

BSE 500 TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	11 June 2025	9855.55	-1.44%	-	-1.49%	121/217
1 Month	16 May 2025	10070.96	0.71%	-	1.26%	112/217
3 Month	18 March 2025	11001.54	10.02%	-	11.91%	136/217
6 Month	18 December 2024	9712.55	-2.87%	-	-1.82%	151/213
1 Year	18 June 2024	10341.00	3.41%	3.41%	3.15%	108/213
3 Year	17 June 2022	17495.04	74.95%	20.45%	23.38%	158/203
5 Year	18 June 2020	28025.32	180.25%	22.87%	25.59%	142/203
Since Inception	23 December 2011	63097.60	530.98%	14.62%	15.82%	144/217

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 July 2024	1,20,000	215670.53	79.73%	79.73%
3 Year	1 July 2022	3,60,000	789753.24	119.38%	29.94%
5 Year	1 July 2020	6,00,000	1585618.56	164.27%	21.45%
10 Year	1 July 2015	12,00,000	4231284.77	252.61%	13.43%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

3.88%

Standard Deviation

0.95%

Beta

0.80%

Sharpe Ratio

0.01%

Treynor's Ratio

3.68%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	7.82%	363500	70.70	Equity	Banks
ICICI Bank	5.94%	371434	53.70	Equity	Banks
Reliance Industr	3.66%	233000	33.11	Equity	Refineries
Infosys	3.40%	196500	30.71	Equity	IT - Software
Bharti Airtel	3.26%	159000	29.51	Equity	Telecomm-Service
Larsen & Toubro	2.75%	67750	24.90	Equity	Infrastructure Developers & Operators
Axis Bank	2.49%	188600	22.48	Equity	Banks
St Bk of India	2.46%	273516	22.22	Equity	Banks
Bharat Electron	2.15%	506000	19.46	Equity	Aerospace & Defence
Jio Financial	1.94%	612500	17.56	Equity	Finance

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Long Term Advantage Fund - Series V -Dir (G)	381.32	4.36%	19.25%	7.36%	26.95%	28.11%
SBI Long Term Advantage Fund-Series V -Dir (IDCW)	381.32	4.36%	19.25%	7.36%	26.95%	28.11%
Parag Parikh ELSS Tax Saver Fund - Direct (G)	5294.26	0.95%	9.33%	3.88%	13.70%	24.51%
HSBC Tax Saver Equity Fund - Direct (G)	244.42	1.72%	14.37%	-3.14%	11.81%	26.26%
HSBC Tax Saver Equity Fund - Direct (IDCW)	244.42	1.72%	14.37%	-3.14%	11.81%	26.29%

List of Schemes under Union Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Union Gilt Fund	Debt	Moderate	7.95%	2	₹99.82
Union Equity Savings Fund	Hybrid	Moderate	5.22%	2	₹137.86
Union Corporate Bond Fund	Debt	Moderate	10.15%	2	₹336.63
Union Aggressive Hybrid Fund	Hybrid	Very High	7.26%	2	₹651.94
Union Overnight Fund	Debt	Low	6.44%	3	₹473.94
Union Arbitrage Fund	Hybrid	Low	7.37%	2	₹263.23
Union Large & Midcap Fund	Equity	Very High	2.71%	2	₹865.64
Union Gold ETF Fund of Fund	Other	High	0%	0	₹65.36
Union Midcap Fund	Equity	Very High	4.29%	2	₹1,440.27
Union Small Cap Fund	Equity	Very High	2.87%	2	₹1,577.40
Union Money Market Fund	Debt	Moderately Low	7.94%	1	₹178.56
Union Liquid Fund	Debt	Moderately Low	7.32%	4	₹4,208.32
Union Income Plus Arbitrage Active FOF	Other	Moderately Low	0%	0	₹0.00
Union Innovation & Opportunities Fund	Equity	Very High	8.05%	0	₹949.45
Union Business Cycle Fund	Equity	Very High	-0.98%	0	₹574.07
Union Low Duration Fund	Debt	Moderately Low	0%	0	₹0.00
Union Active Momentum Fund	Equity	Very High	0%	0	₹445.30
Union Short Duration Fund	Debt	Moderate	0%	0	₹681.35
Union Multicap Fund	Equity	Very High	3.7%	0	₹1,125.03
Union Multi Asset Allocation Fund	Hybrid	Very High	0%	0	₹784.87
Union Largecap Fund	Equity	Very High	0.9%	2	₹448.55
Union Balanced Advantage Fund	Hybrid	High	5.14%	3	₹1,383.05
Union Dynamic Bond Fund	Debt	Moderate	8.59%	1	₹109.21
Union FMP - Series 13	Debt	Moderately Low	8.09%	0	₹26.05
Union ELSS Tax Saver Fund	Equity	Very High	4.38%	3	₹904.12
Union Focused Fund	Equity	Very High	1.67%	2	₹408.34
Union Retirement Fund	Solution Oriented	Very High	5.19%	0	₹168.27
Union Children's Fund	Solution Oriented	Very High	7.61%	0	₹68.72
Union Value Fund	Equity	Very High	3.64%	2	₹318.04
Union Flexi Cap Fund	Equity	Very High	4.8%	3	₹2,313.02

News

Union Mutual Fund announces change in Exit Load Structure

Union Mutual Fund has announced change in exit load structure under following scheme stands revised with effect from 26 May 2025

Change in Exit Load:

Name of the Scheme	Existing Exit Load	Revised Exit Load
Union Corporate Bond Fund :	1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter	Nil
Union Dynamic Bond Fund :	1 % if units are redeemed or switched out on or before completion of 15 days from the date of allotment. Nil thereafter.	Nil
Union Short Duration Fund :	' 1% if units are redeemed or switched out on or before completion of 15 days from the date of allotment of units. ' Nil if redeemed or switched out after completion of 15 days from the date of allotment of units.	Nil

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Union Short Duration Fund announces Extension of NFO period
Union Mutual Fund has announced that New Fund Offer (NFO) Period of the Scheme has been modified as follows:

Name of the Scheme Existing closing date of NFO Revised closing date of NFO

Union Short Duration Fund 28 January 2025 29 January 2025

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Name of the Scheme	Existing closing date of NFO	Revised closing date of NFO
Union Short Duration Fund	28 January 2025	29 January 2025

Union Mutual Fund announces merger of Union Medium Duration Fund Merger into Union Corporate Bond Fund
Union Mutual Fund has approved the merger of Union Medium Duration Fund Merger into Union Corporate Bond Fund, with effect from 29 January 2025.
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Fund House Details & Investment Objective

Date of Incorporation

8 November 2011

Total AUM (Cr)

₹904.12

Union ELSS Tax Saver Fund - Regular (IDCW) is an ELSS-oriented fund from the renowned AMC, Union Mutual Fund. Launched in 8 November 2011, this fund is managed by Sanjay Bembalkar. With assets under management (AUM) worth ₹904.12 (Cr), as of 19 June 2025, Union ELSS Tax Saver Fund - Regular (IDCW) is categorized as a ELSS within its segment. The fund has generated a return of 14.62% since its launch.
The current NAV of Union ELSS Tax Saver Fund - Regular (IDCW) is ₹35.18, as on 19 June 2025. The fund's benchmark index is BSE 500 TRI. You can invest in Union ELSS Tax Saver Fund - Regular (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹500.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil The fund has generated 20.45% and 22.87% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 97.28% in Equity, 2.45% in Debt and 0.27% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 21.59% in Banks, 8.64% in IT-Software, 6.21% in Pharmaceuticals & Biotech, 6.15% in Finance, 5.58% in Consumer Durables

FAQs

How to Invest in Union ELSS Tax Saver Fund - Regular (IDCW) Direct Growth?

Union ELSS Tax Saver Fund - Regular (IDCW) is a popular fund in the ELSS segment. The fund has generated a return of 14.62% since inception. Looking to invest in Union ELSS Tax Saver Fund - Regular (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in Union ELSS Tax Saver Fund - Regular (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Union ELSS Tax Saver Fund - Regular (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Union ELSS Tax Saver Fund - Regular (IDCW) today and reap the benefits of this ELSS fund!

How much returns has Union ELSS Tax Saver Fund - Regular (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, Union ELSS Tax Saver Fund - Regular (IDCW) has generated annualised return of 3.41%. In the long-term, the fund has generated 20.45% and 22.87% in 3 and 5 years respectively. Since its inception, the fund has generated 14.62% returns.

What is the expense ratio of Union ELSS Tax Saver Fund - Regular (IDCW) Direct Growth?

The expense ratio of Union ELSS Tax Saver Fund - Regular (IDCW) Direct Growth is 2.27%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Union ELSS Tax Saver Fund - Regular (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of Union ELSS Tax Saver Fund - Regular (IDCW) is ₹904.12 (Cr) as of 2025-06-19 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Union ELSS Tax Saver Fund - Regular (IDCW) Direct Growth?

Redeeming or selling units of Union ELSS Tax Saver Fund - Regular (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Union ELSS Tax Saver Fund - Regular (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Union ELSS Tax Saver Fund - Regular (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).