ELSS (Tax Saver) · head to head · AMFI NAVs
Aditya Birla Sun Life ELSS Tax Saver Fund vs Bandhan ELSS - Tax Saver Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Aditya Birla Sun Life ELSS Tax Saver Fund is worth ₹7.21 L (XIRR 7.5%) and Bandhan ELSS - Tax Saver Fund ₹7.36 L (XIRR 8.4%) — Bandhan ELSS - Tax Saver Fund ahead by ₹15,054. Across every 5-year SIP since Jan 2013, Aditya Birla Sun Life ELSS Tax Saver Fund finished ahead in 28 of 106 and Bandhan ELSS - Tax Saver Fund in 78.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Aditya Birla Sun Life ELSS Tax Saver Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Aditya Birla Sun Life ELSS Tax Saver Fund value | XIRR to date |
|---|
₹10,000 a month in each: what it became
Each row is a monthly SIP ending today (1 Oct 2026), Direct plans. Post-tax assumes everything is redeemed today with no other capital gains this year.
| SIP period | Invested | Aditya Birla Sun Life ELSS Tax Saver Fund | XIRR | Bandhan ELSS - Tax Saver Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.15 L | -9.0% | ₹1.16 L | -6.3% | ₹1.15 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.71 L | 2.1% | ₹3.69 L | 1.8% | ₹3.71 L / ₹3.69 L |
| 5 years | ₹6,00,000 | ₹7.21 L | 7.5% | ₹7.36 L | 8.4% | ₹7.21 L / ₹7.35 L |
| 10 years | ₹12,00,000 | ₹19.30 L | 9.3% | ₹24.99 L | 14.2% | ₹18.58 L / ₹23.57 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 106 SIPs, the first starting Jan 2013. Aditya Birla Sun Life ELSS Tax Saver Fund finished ahead in 26% of them; the median gap was 4.1 percentage points a year in Bandhan ELSS - Tax Saver Fund's favour.
Downside on the same dates: Aditya Birla Sun Life ELSS Tax Saver Fund's worst 5-year SIP returned -2.3% a year (started Apr 2015) and 1 of 106 lost money; Bandhan ELSS - Tax Saver Fund's worst returned -8.8% (started Apr 2015) and 3 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Aditya Birla Sun Life ELSS Tax Saver Fund minus Bandhan ELSS - Tax Saver Fund, percentage points a year.
| Window | SIPs compared | Ahead (Aditya / Bandhan) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 44% / 56% | -1.3 pp | -21.7 ppstarted Apr 2019 | +10.0 ppstarted Apr 2017 |
| 5-year SIPs | 106 | 26% / 74% | -4.1 pp | -13.6 ppstarted Sep 2018 | +6.4 ppstarted Apr 2015 |
Against an index fund, and the cost of the Regular plan
- Aditya Birla Sun Life ELSS Tax Saver Fund beat a plain Nifty 500 index fund in 31% of 49 rolling 3-year SIPs (median gap -2.4 pp a year) — Aditya Birla Sun Life ELSS Tax Saver Fund vs Nifty 500 index fund.
- Aditya Birla Sun Life ELSS Tax Saver Fund: the Regular plan of the same 10-year SIP ended ₹88,722 below Direct.
- Bandhan ELSS - Tax Saver Fund beat a plain Nifty 500 index fund in 71% of 49 rolling 3-year SIPs (median gap +1.0 pp a year) — Bandhan ELSS - Tax Saver Fund vs Nifty 500 index fund.
- Bandhan ELSS - Tax Saver Fund: the Regular plan of the same 10-year SIP ended ₹1,68,385 below Direct.
Questions
Which has given better SIP returns, Aditya Birla Sun Life ELSS Tax Saver Fund or Bandhan ELSS - Tax Saver Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.21 L in Aditya Birla Sun Life ELSS Tax Saver Fund (XIRR 7.5%) and ₹7.36 L in Bandhan ELSS - Tax Saver Fund (XIRR 8.4%). Past returns don't tell you which will do better next.
Has Aditya Birla Sun Life ELSS Tax Saver Fund beaten Bandhan ELSS - Tax Saver Fund consistently?
In 26% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Aditya Birla Sun Life ELSS Tax Saver Fund ended ahead of Bandhan ELSS - Tax Saver Fund (Direct plans). The median difference was -4.1 percentage points a year.
Where does this data come from?
Official daily NAVs published by AMFI. SIP instalments fall on the first business day of each month; both funds are compared on identical dates. Updated monthly.
Comparison on official AMFI NAVs, SIP on the first business day of each month, identical dates for both funds. It shows what happened, not which fund to buy — past performance does not indicate future returns. sipcalculatorhub.com is not a SEBI-registered investment adviser. Methodology.
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