Aditya Birla Sun Life ELSS Tax Saver Fund vs PGIM India Large Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life ELSS Tax Saver Fund is an ELSS fund and PGIM India Large Cap Fund is a Large Cap fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) returned 10.7% a year and PGIM India Large Cap Fund (Direct) returned 8.0% a year. Aditya Birla Sun Life ELSS Tax Saver Fund charges 1.07% a year and PGIM India Large Cap Fund 1.09% (Direct plans). Their portfolios overlap 46.0%: they hold 20 of the same securities.
Aditya Birla Sun Life ELSS Tax Saver Fund
ELSS
- 3 year return
- 10.7%
- Expense ratio
- 1.07%
- NAV
- ₹65.14
PGIM India Large Cap Fund
Large Cap
- 3 year return
- 8.0%
- Expense ratio
- 1.09%
- NAV
- ₹386.29
Which is better, Aditya Birla Sun Life ELSS Tax Saver or PGIM India Large Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Aditya Birla Sun Life ELSS Tax Saver returned more over 5 years: 7.3% a year against 6.7%.
- Aditya Birla Sun Life ELSS Tax Saver returned more over 3 years: 10.7% a year against 8.0%.
- Aditya Birla Sun Life ELSS Tax Saver costs less: 1.07% a year against 1.09% (Direct plans).
- PGIM India Large Cap swung less over 3 years: a standard deviation of 12.9% a year against 13.4%.
- Aditya Birla Sun Life ELSS Tax Saver fell less in its worst fall since 08-03-2016: −35.1% against −37.4%.
- PGIM India Large Cap holds more in large companies: 86.6% of the fund in large caps against 61.0%.
- Aditya Birla Sun Life ELSS Tax Saver is the larger fund: ₹13,559 Cr against ₹502 Cr.
- Their portfolios overlap 46.0%: 20 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life ELSS Tax Saver Fund | PGIM India Large Cap Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | PGIM India Mutual Fund |
| Category | ELSS | Large Cap |
| AUM | ₹13,559 Cr (30-09-2026) | ₹502 Cr (30-09-2026) |
| NAV | ₹65.14 (Direct) | ₹386.29 (Direct) |
| Expense ratio (Direct) | 1.07% | 1.09% |
| Expense ratio (Regular) | 1.77% | 2.62% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 500 TRI | Nifty 100 TRI |
| Launch date | 29-03-1996 | 30-01-2003 |
| Minimum investment | ₹500 | ₹5,000 |
| Lock in | 3 years | None |
| Fund managers | Dhaval Shah | Anandha Padmanabhan Anjeneyan, Vivek Sharma, Vinay Paharia, and Mr. Akhil Dhar |
| Exit load | Nil | Exit load of 0.5%, if redeemed within 90 days. |
Aditya Birla Sun Life ELSS Tax Saver vs PGIM India Large Cap: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) | −0.87% | −6.66% | −3.05% | −7.46% | +10.68% | +7.27% | +9.94% |
| PGIM India Large Cap Fund (Direct) | +1.19% | −4.29% | −0.57% | −7.56% | +8.01% | +6.73% | +10.68% |
| ELSS average | −2.34% | −5.61% | −1.63% | −5.75% | +10.92% | +10.29% | +13.05% |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | +8.23% | +11.81% |
Category average: the average of the 50 ELSS funds and the 35 Large Cap funds, same plan type.
Aditya Birla Sun Life ELSS Tax Saver vs PGIM India Large Cap: Year-wise Returns
| Year | Aditya Birla Sun Life ELSS Tax SaverAditya Birla Sun Life ELSS Tax Saver | PGIM India Large CapPGIM India Large Cap |
|---|---|---|
| 2026to date | −6.72% | −7.49% |
| 2025 | +10.11% | +8.99% |
| 2024 | +17.25% | +11.08% |
| 2023 | +19.85% | +21.49% |
| 2022 | −0.64% | +2.99% |
| 2021 | +13.64% | +22.81% |
Aditya Birla Sun Life ELSS Tax Saver vs PGIM India Large Cap: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of Aditya Birla Sun Life ELSS Tax Saver Fund
Rolling returns
Every 3-year holding period, 1,883 of them, one for each trading day from 08-03-2019 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life ELSS Tax Saver Fund (Direct)
PGIM India Large Cap Fund (Direct)
Nifty 500 TRI
to
Oct 2019Feb 2018
to
Feb 2021May 2019
to
May 2022Sept 2020
to
Sept 2023Dec 2021
to
Dec 2024Mar 2023
to
Mar 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life ELSS Tax Saver | 0.5 | 8.1 | 25.5 | 50.6 | 15.2 | 0.1 | 0.0 | 11.2% | 11.8% | −3.3% | 21.2% | 23% |
| PGIM India Large Cap | 2.0 | 6.5 | 15.4 | 52.4 | 17.3 | 6.1 | 0.4 | 12.7% | 13.1% | −5.6% | 29.9% | 25% |
| Nifty 500 TRI | 2.7 | 6.1 | 8.1 | 26.6 | 38.3 | 14.1 | 4.1 | 15.1% | 15.7% | −6.3% | 33.5% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 08-03-2016. Past returns do not promise future returns.
Aditya Birla Sun Life ELSS Tax Saver vs PGIM India Large Cap: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-03-2016 to 30-10-2026: 128 instalments, ₹12,80,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life ELSS Tax SaverAditya Birla Sun Life ELSS Tax Saver Fund (Direct) | ₹12,80,000 | ₹21,56,254 | ₹8,76,254 | 9.4% |
| PGIM India Large CapPGIM India Large Cap Fund (Direct) | ₹12,80,000 | ₹22,34,046 | ₹9,54,046 | 10.0% |
Aditya Birla Sun Life ELSS Tax SaverAditya Birla Sun Life ELSS Tax Saver Fund (Direct)
PGIM India Large CapPGIM India Large Cap Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life ELSS Tax Saver vs PGIM India Large Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) | PGIM India Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −7.46% | −7.56% |
| Standard deviation | 13.82% | 13.69% |
| Sharpe ratio | -0.92 | -0.94 |
| Sortino ratio | -1.23 | -1.25 |
| Maximum drawdown | −13.8% (30-03-2026) | −15.1% (31-03-2026) |
| Beta | 0.95 | 0.98 |
| Alpha | −0.81% | +0.79% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) | PGIM India Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.68% | +8.01% |
| Standard deviation | 13.39% | 12.90% |
| Sharpe ratio | 0.35 | 0.15 |
| Sortino ratio | 0.47 | 0.21 |
| Maximum drawdown | −18.3% (28-02-2025) | −17.0% (28-02-2025) |
| Beta | 0.92 | 0.93 |
| Alpha | +0.79% | −0.85% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) | PGIM India Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.27% | +6.73% |
| Standard deviation | 13.07% | 13.21% |
| Sharpe ratio | 0.11 | 0.07 |
| Sortino ratio | 0.15 | 0.10 |
| Maximum drawdown | −18.3% (28-02-2025) | −17.9% (20-06-2022) |
| Beta | 0.89 | 0.93 |
| Alpha | −1.21% | −0.38% |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) | PGIM India Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.99% | +11.56% |
| Standard deviation | 14.46% | 15.17% |
| Sharpe ratio | 0.48 | 0.40 |
| Sortino ratio | 0.65 | 0.55 |
| Maximum drawdown | −35.1% (23-03-2020) | −37.4% (23-03-2020) |
| Beta | 0.88 | 0.94 |
| Alpha | +1.03% | −0.80% |
From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life ELSS Tax Saver Fund (Direct)
PGIM India Large Cap Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) | −35.1% | 13-02-2020 | 23-03-2020 | 11-11-2020 | 8 months | −8.4% |
| PGIM India Large Cap Fund (Direct) | −37.4% | 17-01-2020 | 23-03-2020 | 09-11-2020 | 8 months | −8.4% |
| Nifty 500 TRI | −38.1% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −8.8% |
From daily values since 08-03-2016, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life ELSS Tax Saver Fund (Direct)
PGIM India Large Cap Fund (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life ELSS Tax Saver Fund (Direct)
PGIM India Large Cap Fund (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life ELSS Tax Saver Fund (Direct)
PGIM India Large Cap Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life ELSS Tax Saver Fund (Direct) | 87% | 91% | 4.63% |
| PGIM India Large Cap Fund (Direct) | 87% | 89% | 3.92% |
From month-end values since 08-03-2016. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life ELSS Tax Saver vs PGIM India Large Cap: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life ELSS Tax Saver Fund, September 2026; PGIM India Large Cap Fund, September 2026
Holdings in common
- Overlap
- 46.0%
- Held by both
- 20
- Only in Aditya Birla Sun Life ELSS Tax Saver
- 43
- Only in PGIM India Large Cap
- 36
| Security | % of Aditya Birla Sun Life ELSS Tax Saver | % of PGIM India Large Cap |
|---|---|---|
| ICICI Bank Ltd. | 7.55% | 8.13% |
| HDFC Bank Ltd. | 6.30% | 8.45% |
| Reliance Industries Ltd. | 3.73% | 4.09% |
| State Bank of India | 3.43% | 4.12% |
| Eternal Ltd. | 3.31% | 3.31% |
| Bharti Airtel Ltd. | 2.80% | 5.01% |
| Tech Mahindra Ltd. | 2.59% | 2.33% |
| Axis Bank Ltd. | 3.85% | 2.29% |
| Larsen & Toubro Ltd. | 1.97% | 4.07% |
| Bajaj Finance Ltd. | 1.82% | 2.55% |
| Mahindra & Mahindra Ltd. | 2.75% | 1.64% |
| Titan Company Ltd. | 1.59% | 2.76% |
| Varun Beverages Ltd. | 1.93% | 1.52% |
| Infosys Ltd. | 1.82% | 1.45% |
| NTPC Ltd. | 1.35% | 2.04% |
| Mankind Pharma Ltd. | 0.73% | 1.36% |
| Prestige Estates Projects Ltd. | 0.62% | 1.17% |
| Hindalco Industries Ltd. | 2.31% | 0.60% |
| Persistent Systems Ltd. | 0.86% | 0.56% |
| LG Electronics India Ltd. | 0.44% | 1.04% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 46.0% means 46.0% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life ELSS Tax Saver Fund
| Security | % of fund |
|---|---|
| The Federal Bank Ltd. | 2.87% |
| TVS Holdings Ltd. | 2.00% |
| Emcure Pharmaceuticals Ltd. | 1.93% |
| Cummins India Ltd. | 1.89% |
| Bosch Ltd. | 1.88% |
Largest holdings only in PGIM India Large Cap Fund
| Security | % of fund |
|---|---|
| Kotak Mahindra Bank Ltd. | 3.12% |
| TVS Motor Company Ltd. | 2.28% |
| Ultratech Cement Ltd. | 2.03% |
| Divi's Laboratories Ltd. | 1.83% |
| Tata Consultancy Services Ltd. | 1.82% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life ELSS Tax Saver | PGIM India Large Cap |
|---|---|---|
| Equity | 98.6% | 97.6% |
| Debt | 0.1% | 0.1% |
| Cash and others | 1.3% | 2.3% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life ELSS Tax Saver | PGIM India Large Cap |
|---|---|---|
| Large Cap | 61.0% | 86.6% |
| Mid Cap | 15.8% | 9.3% |
| Small Cap | 21.9% | 0.0% |
| Not on AMFI's list | 0.0% | 1.6% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life ELSS Tax Saver | PGIM India Large Cap |
|---|---|---|
| Banks | 24.0% | 26.1% |
| Finance | 8.9% | 5.1% |
| Retailing | 6.6% | 4.0% |
| IT - Software | 5.3% | 6.2% |
| Automobiles | 3.2% | 6.2% |
| Pharmaceuticals & Biotechnology | 4.7% | 5.6% |
| Telecom - Services | 2.8% | 5.0% |
| Petroleum Products | 3.7% | 4.1% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life ELSS Tax Saver vs PGIM India Large Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life ELSS Tax Saver Fund | PGIM India Large Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.07% | 1.09% |
| Base expense ratio (Direct) | 0.85% | 0.80% |
| Total expense ratio (Regular) | 1.77% | 2.62% |
| Base expense ratio (Regular) | 1.46% | 2.10% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
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Aditya Birla Sun Life ELSS Tax Saver Fund vs PGIM India Large Cap Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life ELSS Tax Saver Fund and PGIM India Large Cap Fund?
Aditya Birla Sun Life ELSS Tax Saver Fund is an ELSS fund, PGIM India Large Cap Fund is a Large Cap fund, run by Aditya Birla Sun Life Mutual Fund and PGIM India Mutual Fund. Their portfolios overlap 46.0%. Aditya Birla Sun Life ELSS Tax Saver Fund charges 1.07% a year and PGIM India Large Cap Fund 1.09%.
Which has given higher returns, Aditya Birla Sun Life ELSS Tax Saver Fund or PGIM India Large Cap Fund?
Over 1 year: Aditya Birla Sun Life ELSS Tax Saver Fund −7.46%, PGIM India Large Cap Fund −7.56%. Over 3 years: Aditya Birla Sun Life ELSS Tax Saver Fund +10.68% a year, PGIM India Large Cap Fund +8.01% a year. Over 5 years: Aditya Birla Sun Life ELSS Tax Saver Fund +7.27% a year, PGIM India Large Cap Fund +6.73% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life ELSS Tax Saver Fund or PGIM India Large Cap Fund?
Aditya Birla Sun Life ELSS Tax Saver Fund charges less: 1.07% a year against 1.09%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life ELSS Tax Saver Fund and PGIM India Large Cap Fund overlap?
46.0%. They hold 20 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, RELIANCE. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life ELSS Tax Saver Fund or PGIM India Large Cap Fund?
On SEBI's riskometer, Aditya Birla Sun Life ELSS Tax Saver Fund is rated Very High and PGIM India Large Cap Fund Very High. Over 3 years, the standard deviation of daily returns was 13.39% and 12.90% a year.
Which is better for SIP, Aditya Birla Sun Life ELSS Tax Saver Fund or PGIM India Large Cap Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,34,478 in Aditya Birla Sun Life ELSS Tax Saver Fund (XIRR 7.3% a year) and ₹7,11,250 in PGIM India Large Cap Fund (XIRR 6.0% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life ELSS Tax Saver Fund and PGIM India Large Cap Fund?
Yes. 46.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Aditya Birla Sun Life ELSS Tax Saver Fund and PGIM India Large Cap Fund?
Aditya Birla Sun Life ELSS Tax Saver Fund: Dhaval Shah. PGIM India Large Cap Fund: Anandha Padmanabhan Anjeneyan, Vivek Sharma, Vinay Paharia, and Mr. Akhil Dhar.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.