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    Union Aggressive Hybrid Fund vs Union ELSS Tax Saver Fund Fund

    Direct Plan, Growth option · Data as on 30-10-2026

    Union Aggressive Hybrid Fund is an Aggressive Hybrid fund and Union ELSS Tax Saver Fund Fund is an ELSS fund. In the 3 years to 30-10-2026, Union Aggressive Hybrid Fund (Direct) returned 10.3% a year and Union ELSS Tax Saver Fund Fund (Direct) returned 9.6% a year. Union Aggressive Hybrid Fund charges 1.59% a year and Union ELSS Tax Saver Fund Fund 1.71% (Direct plans). Their portfolios overlap 43.2%: they hold 42 of the same securities.

    Union Aggressive Hybrid Fund

    Aggressive Hybrid

    3 year return
    10.3%
    Expense ratio
    1.59%
    NAV
    ₹19.18
    See Union Aggressive Hybrid Fund

    Union ELSS Tax Saver Fund Fund

    ELSS

    3 year return
    9.6%
    Expense ratio
    1.71%
    NAV
    ₹68.15
    See Union ELSS Tax Saver Fund Fund

    Which is better, Union Aggressive Hybrid or Union ELSS Tax Saver Fund? Key differences

    It depends on what you want from the fund. These are the differences in numbers, from the data on this page.

    • Union ELSS Tax Saver Fund returned more over 5 years: 8.9% a year against 8.3%.
    • Union Aggressive Hybrid returned more over 3 years: 10.3% a year against 9.6%.
    • Union Aggressive Hybrid costs less: 1.59% a year against 1.71% (Direct plans).
    • Union Aggressive Hybrid swung less over 3 years: a standard deviation of 10.7% a year against 14.1%.
    • Union Aggressive Hybrid fell less in its worst fall since 28-12-2020: −15.1% against −18.3%.
    • Union ELSS Tax Saver Fund holds more in large companies: 54.5% of the fund in large caps against 39.3%.
    • Union ELSS Tax Saver Fund is the larger fund: ₹821 Cr against ₹727 Cr.
    • Their portfolios overlap 43.2%: 42 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

    FactUnion Aggressive Hybrid FundUnion ELSS Tax Saver Fund Fund
    Fund houseUnion Mutual FundUnion Mutual Fund
    CategoryAggressive HybridELSS
    AUM₹727 Cr (30-09-2026)₹821 Cr (30-09-2026)
    NAV₹19.18 (Direct)₹68.15 (Direct)
    Expense ratio (Direct)1.59%1.71%
    Expense ratio (Regular)2.79%2.55%
    RiskometerVery HighVery High
    BenchmarkCRISIL Hybrid 35+65 - Aggressive IndexBSE 500 TRI
    Launch date18-12-202023-12-2011
    Minimum investment₹1,000₹500
    Lock inNone3 years
    Fund managersSanjay Bembalkar, Vinod Malviya, Parijat AgrawalVinod Malviya, Sanjay Bembalkar
    Exit loadExit load of 1% if redeemed within 15 days.Nil

    Union Aggressive Hybrid vs Union ELSS Tax Saver Fund: Returns Comparison

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Fund1M3M6M1Y3Y5Y10Y
    Union Aggressive Hybrid Fund (Direct)−0.62%−2.89%+1.11%−1.89%+10.28%+8.26%--
    Union ELSS Tax Saver Fund Fund (Direct)−1.94%−4.87%−0.94%−6.57%+9.64%+8.90%+12.34%
    Aggressive Hybrid average−0.88%−3.67%−0.27%−3.33%+10.77%+9.35%--
    ELSS average−2.34%−5.61%−1.63%−5.75%+10.92%+10.29%+13.05%

    Category average: the average of the 29 Aggressive Hybrid funds and the 50 ELSS funds, same plan type.

    Union Aggressive Hybrid vs Union ELSS Tax Saver Fund: Year-wise Returns

    YearAggressive HybridUnion Aggressive HybridELSS Tax Saver FundUnion ELSS Tax Saver Fund
    2026to date−1.84%−5.75%
    2025+6.89%+5.29%
    2024+15.70%+17.95%
    2023+21.26%+27.50%
    2022+0.46%+2.42%
    2021+28.29%+36.65%

    Union Aggressive Hybrid vs Union ELSS Tax Saver Fund: Rolling Returns

    Every holding period of both funds, against BSE 500 TRI, the benchmark of Union ELSS Tax Saver Fund Fund

    Rolling returns

    Every 3-year holding period, 699 of them, one for each trading day from 28-12-2023 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.

    0%5%10%15%20%25%
    Mar 2021
    to
    Mar 2024    Sept 2021
    to
    Sept 2024    Mar 2022
    to
    Mar 2025    Aug 2022
    to
    Aug 2025    Feb 2023
    to
    Feb 2026    Aug 2023
    to
    Aug 2026
    Union Aggressive Hybrid Fund (Direct)Union ELSS Tax Saver Fund Fund (Direct)BSE 500 TRI

    How the periods spread

    FundBelow 0%0-5%5-10%10-15%15-20%20-25%Above 25%MeanMedianLowestHighestBeat benchmark
    Union Aggressive Hybrid0.00.03.169.827.00.00.013.7%13.9%9.2%18.4%5%
    Union ELSS Tax Saver Fund0.00.03.328.350.418.00.016.4%16.4%8.6%22.9%66%
    BSE 500 TRI0.00.03.429.256.910.40.016.2%16.2%8.4%22.0%--

    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 BSE 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 28-12-2020. Past returns do not promise future returns.

    Union Aggressive Hybrid vs Union ELSS Tax Saver Fund: 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

    Step up each year
    PeriodFor

    ₹10,000 on the first trading day of every month, from 28-12-2020 to 30-10-2026: 71 instalments, ₹7,10,000 in all.

    InvestmentInvestedValue nowGainReturn a year
    Union Aggressive HybridUnion Aggressive Hybrid Fund (Direct) ₹7,10,000 ₹9,29,609 ₹2,19,609 9.0%
    Union ELSS Tax Saver FundUnion ELSS Tax Saver Fund Fund (Direct) ₹7,10,000 ₹9,37,270 ₹2,27,270 9.3%
    ₹0₹2.0 L₹4.0 L₹6.0 L₹8.0 L₹10.0 L
    202120222023202420252026
    Union Aggressive HybridUnion Aggressive Hybrid Fund (Direct)Union ELSS Tax Saver FundUnion ELSS Tax Saver Fund 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.

    Union Aggressive Hybrid vs Union ELSS Tax Saver Fund: Risk and Drawdowns

    How much each fund swings, and the worst fall over the same days

    Risk and return

    MeasureUnion Aggressive Hybrid Fund (Direct)Union ELSS Tax Saver Fund Fund (Direct)
    Return (CAGR)+10.28%+9.64%
    Standard deviation10.67%14.09%
    Sharpe ratio0.400.26
    Sortino ratio0.540.34
    Maximum drawdown−13.7% (28-02-2025)−18.3% (28-02-2025)
    Beta--0.97
    Alpha--−0.15%

    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.

    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.

    −20%−15%−10%−5%0%
    202120222023202420252026
    Union Aggressive Hybrid Fund (Direct)Union ELSS Tax Saver Fund Fund (Direct)BSE 500 TRI
    FundWorst fallHigh before itBottomBack at the highTime to climb backBelow its high today
    Union Aggressive Hybrid Fund (Direct)−15.1%17-01-202217-06-202201-12-20225 months−4.8%
    Union ELSS Tax Saver Fund Fund (Direct)−18.3%23-09-202428-02-202505-08-202617 months−7.3%
    BSE 500 TRI−18.7%26-09-202428-02-2025Not yet--−9.4%

    From daily values since 28-12-2020, 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 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.

    0%5%10%15%
    202420252026
    Union Aggressive Hybrid Fund (Direct)Union ELSS Tax Saver Fund Fund (Direct)BSE 500 TRI

    Against BSE 500 TRI

    FundUp captureDown captureTracking error
    Union Aggressive Hybrid Fund (Direct)80%71%4.60%
    Union ELSS Tax Saver Fund Fund (Direct)96%88%3.67%

    From month-end values since 28-12-2020. 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.

    Union Aggressive Hybrid vs Union ELSS Tax Saver Fund: Portfolio Overlap

    From each fund's latest monthly portfolio: Union Aggressive Hybrid Fund, September 2026; Union ELSS Tax Saver Fund Fund, September 2026

    Holdings in common

    Overlap
    43.2%
    Held by both
    42
    Only in Union Aggressive Hybrid
    39
    Only in Union ELSS Tax Saver Fund
    41
    Security% of Union Aggressive Hybrid% of Union ELSS Tax Saver Fund
    HDFC Bank Ltd.4.59%4.92%
    ICICI Bank Ltd.2.94%7.17%
    Axis Bank Ltd.2.39%3.18%
    Reliance Industries Ltd.1.97%2.46%
    State Bank of India2.55%1.85%
    Bharti Airtel Ltd.1.76%3.08%
    Gabriel India Ltd.1.48%1.98%
    Maruti Suzuki India Ltd.1.40%1.53%
    Bharat Heavy Electricals Ltd.1.47%1.39%
    Eternal Ltd.1.28%2.05%

    Overlap: for each holding both funds own, the smaller of its two weights, added up. 43.2% means 43.2% 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 Union Aggressive Hybrid Fund

    Security% of fund
    Power Finance Corporation Ltd.3.43%
    National Bank for Agriculture and Rural Development3.42%
    National Bank for Agriculture and Rural Development3.38%
    REC Ltd.3.35%
    Indian Railway Finance Corporation Ltd.2.06%

    Largest holdings only in Union ELSS Tax Saver Fund Fund

    Security% of fund
    JSW Infrastructure Ltd.2.08%
    Solar Industries India Ltd.1.79%
    CG Power and Industrial Solutions Ltd.1.78%
    Ujjivan Small Finance Bank Ltd.1.50%
    Sona Blw Precision Forgings Ltd.1.43%

    Asset and sector split

    Share of each fund, from its latest monthly portfolio

    Asset allocation

    AssetUnion Aggressive HybridUnion ELSS Tax Saver Fund
    Equity72.2%98.9%
    Debt19.9%0.1%
    Cash and others7.9%1.0%

    Market cap of stocks

    Market capUnion Aggressive HybridUnion ELSS Tax Saver Fund
    Large Cap39.3%54.5%
    Mid Cap10.2%22.4%
    Small Cap19.1%21.5%
    Not on AMFI's list3.7%0.5%

    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

    SectorUnion Aggressive HybridUnion ELSS Tax Saver Fund
    Banks14.2%21.8%
    Auto Components3.9%6.6%
    Pharmaceuticals & Biotechnology4.7%6.4%
    Chemicals & Petrochemicals1.9%5.0%
    IT - Software3.0%5.0%
    Finance4.5%3.3%
    Electrical Equipment2.9%4.4%
    Construction3.3%3.7%
    Capital Markets3.1%1.3%

    The six largest sectors of each fund's stocks, % of the fund.

    Union Aggressive Hybrid vs Union ELSS Tax Saver Fund: Expense Ratio

    What each plan charges a year, from AMFI's expense ratio file

    ChargeUnion Aggressive Hybrid FundUnion ELSS Tax Saver Fund Fund
    Total expense ratio (Direct)1.59%1.71%
    Base expense ratio (Direct)0.99%1.23%
    Total expense ratio (Regular)2.79%2.55%
    Base expense ratio (Regular)2.03%2.00%

    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

    Union Aggressive Hybrid Fund vs Union ELSS Tax Saver Fund Fund: Frequently Asked Questions

    What is the difference between Union Aggressive Hybrid Fund and Union ELSS Tax Saver Fund Fund?

    Union Aggressive Hybrid Fund is an Aggressive Hybrid fund, Union ELSS Tax Saver Fund Fund is an ELSS fund, run by Union Mutual Fund. Their portfolios overlap 43.2%. Union Aggressive Hybrid Fund charges 1.59% a year and Union ELSS Tax Saver Fund Fund 1.71%.

    Which has given higher returns, Union Aggressive Hybrid Fund or Union ELSS Tax Saver Fund Fund?

    Over 1 year: Union Aggressive Hybrid Fund −1.89%, Union ELSS Tax Saver Fund Fund −6.57%. Over 3 years: Union Aggressive Hybrid Fund +10.28% a year, Union ELSS Tax Saver Fund Fund +9.64% a year. Over 5 years: Union Aggressive Hybrid Fund +8.26% a year, Union ELSS Tax Saver Fund Fund +8.90% a year. As on 30-10-2026. Past returns do not promise future returns.

    Which has the lower expense ratio, Union Aggressive Hybrid Fund or Union ELSS Tax Saver Fund Fund?

    Union Aggressive Hybrid Fund charges less: 1.59% a year against 1.71%. These are the Direct plans' total expense ratios reported to AMFI.

    How much do Union Aggressive Hybrid Fund and Union ELSS Tax Saver Fund Fund overlap?

    43.2%. They hold 42 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, AXISBANK. From each fund's latest monthly portfolio.

    Which is riskier, Union Aggressive Hybrid Fund or Union ELSS Tax Saver Fund Fund?

    On SEBI's riskometer, Union Aggressive Hybrid Fund is rated Very High and Union ELSS Tax Saver Fund Fund Very High. Over 3 years, the standard deviation of daily returns was 10.67% and 14.09% a year.

    Which is better for SIP, Union Aggressive Hybrid Fund or Union ELSS Tax Saver Fund Fund?

    Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,54,206 in Union Aggressive Hybrid Fund (XIRR 8.3% a year) and ₹7,46,147 in Union ELSS Tax Saver Fund Fund (XIRR 7.9% a year). Both received 61 instalments. Past returns do not promise future returns.

    Can I invest in both Union Aggressive Hybrid Fund and Union ELSS Tax Saver Fund Fund?

    Yes. 43.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.

    Who manages Union Aggressive Hybrid Fund and Union ELSS Tax Saver Fund Fund?

    Union Aggressive Hybrid Fund: Sanjay Bembalkar, Vinod Malviya, Parijat Agrawal. Union ELSS Tax Saver Fund Fund: Vinod Malviya, Sanjay Bembalkar.

    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.

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