Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth

Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth

NAV as on 25-04-2025

₹ 62.35

1%

1D

Inception Returns

14.5%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
5501 people have invested ₹ 1.6Cr in Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth in the last three months

About Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth

Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth is an equity fund. This fund was started on 1 January, 2013. The fund is managed by Dhaval Shah. The fund could potentially beat inflation in the long-run.

Key Parameters

  1. Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth has ₹14462 Cr worth of assets under management (AUM) as on Mar 2025 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth has given a CAGR return of 14.49% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.76%, 13.11% and 17.23% respectively.

Holdings

Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Consumer Cyclical, Health, Industrial, Basic Materials, Tech, Consumer Defensive, Energy, Communication, Utilities, Real Estate. Its top holdings are ICICI Bank Ltd, Infosys Ltd, HDFC Bank Ltd, Axis Bank Ltd, Bharti Airtel Ltd

Taxation

As it is a elss (tax savings) mutual fund the taxation is as follows:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Dividends will always be taxed at slab rate. Long term gains upto Rs 1 lakh are exempt capital gains tax.

Investment objective of Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 500.00 and for SIP is INR 500.00. There is a lock in period for Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth of 3 Years

Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth Overview

Expense ratio1.03%
Benchmark
Nifty 500 TR INR
AUM₹14462 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹500/₹500
Exit Load0%
Lock In3 Years
TurnOver
32.3%
STCGSelling mutual fund before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Very High Risk

INDmoney Rank for Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth

Powered by IND quant engine
23
/23
10% Performance
37% Risk Management
16% Cost
23 out of 23 among elss (tax savings)
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Larger AUM within category
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Beats FD returns for both 3Y & 5Y
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Has not generated consistent returns
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Does not beat the benchmark consistently
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Higher probablity of downside risk

Trailing Returns

as on (25-Apr-25)

Period
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
Nifty 500
elss (tax savings)
1M
4.3%
4.5%
3.8%
3M
4.1%
3.2%
1.4%
6M
-3.5%
-2.6%
-4.4%
1Y
9.8%
7.7%
8.2%
3Y
13.1%
14.3%
16.1%
5Y
17.2%
23.9%
24.3%

Fund Distribution

as on (31-Mar-25)

  • Equity 98.4%

  • Debt & Cash 1.6%

Large cap
68.4%

Mid cap
15.7%

Small cap
14.3%

Sector Allocation

Mar'25

Feb'25

Jan'25

Dec'24

Nov'24

Oct'24

Sep'24

Financial Services
28.2%
Consumer Cyclical
14.2%
Health
10.7%
Industrial
10.4%
Basic Materials
9.6%
Tech
8.2%
Consumer Defensive
6.5%
Energy
6.3%
Communication
3.8%
Utilities
1.4%
Real Estate
0.6%
All changes are between Jan'25 and Mar'25
Mar'25
Feb'25
Jan'25
Fund Returns
6.74%
-6.04%
-4.18%
Nifty 500
7.25%
-7.88%
-4.01%
  • This fund’s returns stands at 6.74% whereas the fund’s underlying benchmark Nifty 500 returns stands at 7.25% as on Mar'25
  • This fund underperformed Nifty 500 by 0.51% in Mar'25
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 14.5K Cr
₹ 13.6K Cr
₹ 14.6K Cr
  • AUM of the fund stands at 14.5K Cr as of Mar'25
  • AUM increased by 832.8 Cr between Mar'25 and Feb'25
Top Stocks bought last month
Cummins India Ltd's allocation increased from 1.02% to 1.56%
Cummins India Ltd's allocation increased from 1.02% to 1.56%
Hindalco Industries Ltd's allocation increased from 0.87% to 1.34%
Hindalco Industries Ltd's allocation increased from 0.87% to 1.34%
Vinati Organics Ltd's allocation increased from 0.25% to 0.71%
Vinati Organics Ltd's allocation increased from 0.25% to 0.71%
Top Stocks sold last month
Infosys Ltd's allocation decreased from 5.74 % to 5.03 %
Infosys Ltd's allocation decreased from 5.74 % to 5.03 %
HDFC Bank Ltd's allocation decreased from 4.98 % to 4.95 %
HDFC Bank Ltd's allocation decreased from 4.98 % to 4.95 %
Reliance Industries Ltd's allocation decreased from 4.51 % to 3.32 %
Reliance Industries Ltd's allocation decreased from 4.51 % to 3.32 %
Cash allocation has gone up from 1.4% to 1.6%
Cash allocation has gone up from 1.4% to 1.6%

Top 3 Sectors in March were Financial Services, Consumer Cyclical & Industrial

Mar'25
Financial Services
28%
Consumer Cyclical
14%
Health
11%
Feb'25
Financial Services
28%
Consumer Cyclical
14%
Industrial
10%
  • Equity

Holdings
Weight%
1M Change
ICICI Bank Ltd
ICICI Bank Ltd
8.52%
0%
Infosys Ltd
Infosys Ltd
5.03%
0%
HDFC Bank Ltd
HDFC Bank Ltd
4.95%
0%
Axis Bank Ltd
Axis Bank Ltd
3.86%
0%
Bharti Airtel Ltd
Bharti Airtel Ltd
3.77%
0%
  • Returns %

  • Fund Ratios

  • Overview

Funds
1Y Returns
3Y Returns
5Y Returns
Since Inception
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
9.76%
13.11%
17.23%
14.49%
DSP ELSS Tax Saver Fund Direct Plan Growth
DSP ELSS Tax Saver Fund Direct Plan Growth
18.69%
20.61%
28.67%
18.31%
Motilal Oswal ELSS Tax Saver Fund Direct Plan Growth
Motilal Oswal ELSS Tax Saver Fund Direct Plan Growth
11.13%
25.11%
28.75%
18.01%
Mirae Asset ELSS Tax Saver Fund -Direct Plan-Growth
Mirae Asset ELSS Tax Saver Fund -Direct Plan-Growth
10.81%
15.9%
26.57%
19.39%
  • Gainers

  • Losers

Top Growth Drivers
1M Return
Avenue Supermarts Ltd
Avenue Supermarts Ltd
12.5%
ICICI Bank Ltd
ICICI Bank Ltd
4.4%
Fortis Healthcare Ltd
Fortis Healthcare Ltd
3.2%
Fund
Mar'25
Feb'25
Jan'25
No of Holdings
67
66
66
Top 5 Company Concentration
26.1%
27.1%
28.3%
Company having highest exposure
ICICI Bank Ltd (8.5%)
ICICI Bank Ltd (8.1%)
ICICI Bank Ltd (7.8%)
No of Sectors
11
11
11
Top 5 Sectors Concentration
73.1%
71.9%
72.5%
Sector having highest exposure
Financial Services (28.2%)
Financial Services (28%)
Financial Services (26.1%)
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Dhaval Shah
Dhaval Shah
Fund Manager of Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth, since 31 October 2024
Top funds managed
Fund House
Aditya Birla Sun Life AMC Ltd
Total AUM
₹3.68L Cr
as on 31-Mar-2025
Address
Aditya Birla Sun Life AMC Ltd,One World Centre, Tower 1, 17th Floor,Jupiter Mill Compound, 841, Senapati Bapat Marg,Elphinstone Road
Phone
+912243568000
Website
connect@birlasunlife.com

Mutual Fund Insights

Insights icon
Over the last 3 months, this fund has increased expense ratio by 12.0% moving from 0.92 to 1.03.
Insights icon
This fund expense ratio is slightly on the lower side within the category (elss (tax savings)). Its expense ratio is 1.03% which is lower than the category average expense ratio of 1.29%.
Insights icon
In the last 3 years, Motilal Oswal ELSS Tax Saver Fund Direct Plan Growth has given 25.11% return, outperforming this fund by 12% per annum.
Insights icon
Over the last 6 months, this fund has experienced a 15.4% drop in AUM moving from 17.10K Cr to 14.46K Cr.
Insights icon
In the last 5 years, Quant ELSS Tax Saver Growth Option Direct Plan has given 36.98% return, outperforming this fund by 19.75% per annum.
Insights icon
In the last 1 year, DSP ELSS Tax Saver Fund Direct Plan Growth has given 18.69% return, outperforming this fund by 8.93%.

Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth Highlights

Risk meter
pointer

Very High Risk

Investors understand that their principal will be at Very High Risk
About the fund

About the fund

This fund has delivered an average annual returns of 14.49% since inception which is less than its category average return of 15.05%
Fund Allocations

Fund Allocations

This fund has an allocation of 98.41% in Equity, 0% in Debt and 1.59% in Cash related instruments
AUM size ₹14462 Cr

AUM size ₹14462 Cr

This fund has AUM of ₹14462 Cr which is more than its category average of ₹ 4910 Cr
Expense Ratio 1.03%

Expense Ratio 1.03%

This fund has an expense ratio of 1.03% which is less than its category average expense ratio of 1.4%
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Frequently Asked Questions for Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth

The current NAV of Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth is ₹62.35 as on 25-Apr-2025.
Existing (Absolute + CAGR) as on 25-Apr-2025.
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
4.3%
4.3%
6 Month Returns
-3.52%
-3.52%
1 Year Returns
9.76%
9.76%
3 Years Returns
44.72%
13.11%
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1.03% as on March 2025
₹14462 Cr as on March 2025
ICICI Bank Ltd(8.52%), Infosys Ltd(5.03%), HDFC Bank Ltd(4.95%), Axis Bank Ltd(3.86%), Bharti Airtel Ltd(3.77%) as on March 2025
Financial Services(27.77%), Consumer Cyclical(13.94%), Health(10.53%) as on March 2025
The alpha ratio for the Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name
Alpha 1 Year
Alpha 3 Years
Alpha 5 Years
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
1.44
-1.47
-4.74
As on March 2025
The alpha for Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth is calculated against Nifty 500 TR INR. Higher alpha indicates that this fund has generated extra returns compared to the benchmark index. An alpha of 1.0 means the fund has outperformed its benchmark index by 1%.
The Beta ratio for the Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name
Beta 1 Year
Beta 3 Years
Beta 5 Years
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
0.96
0.92
0.88
As on March 2025
The Beta for Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth is calculated with Nifty 500 TR INR. Beta tells the volatility of the mutual fund relative to its benchmark. If the beta of a mutual fund is more than 1, then the mutual fund is more volatile than its benchmark. If beta is less than 1, then the mutual fund is less volatile than the benchmark.
The sharpe ratio for the Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name
Sharpe Ratio 1 Year
Sharpe Ratio 3 Years
Sharpe Ratio 5 Years
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
0.13
0.41
0.86
As on March 2025
The sharpe ratio for Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth is calculated with Nifty 500 TR INR. Sharpe ratio tells risk-adjusted-returns of the mutual fund. The higher a fund's Sharpe ratio, the better a fund's returns have been relative to the risk it has taken on.
The standard deviation for the Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth for various period is as follows:
Fund Name
Standard Deviation 1 Year
Standard Deviation 3 Years
Standard Deviation 5 Years
Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
16.03
13.76
14.46
As on March 2025
Standard deviation tells the volatility of the returns of the mutual fund. The higher a fund's Standard deviation, the higher the volatility of the fund's returns.
Sortino ratio is 0.63 as on March 2025. Sortino ratio tells the downside risk-adjusted-returns of the mutual fund.
Dhaval Shah is the fund manager of Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth
The Exit load of Aditya Birla Sun Life ELSS Tax Saver Fund Direct Growth is 0%