ELSS (Tax Saver) · head to head · AMFI NAVs
Tata ELSS - Tax Saver Fund vs UTI ELSS Tax Saver Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Tata ELSS - Tax Saver Fund is worth ₹7.68 L (XIRR 10.1%) and UTI ELSS Tax Saver Fund ₹6.84 L (XIRR 5.4%) — Tata ELSS - Tax Saver Fund ahead by ₹84,144. Across every 5-year SIP since Nov 2014, Tata ELSS - Tax Saver Fund finished ahead in 66 of 84 and UTI ELSS Tax Saver Fund in 18.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Tata ELSS - Tax Saver Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Tata 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 | Tata ELSS - Tax Saver Fund | XIRR | UTI ELSS Tax Saver Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.18 L | -3.6% | ₹1.14 L | -11.0% | ₹1.18 L / ₹1.14 L |
| 3 years | ₹3,60,000 | ₹3.84 L | 4.5% | ₹3.55 L | -1.1% | ₹3.84 L / ₹3.55 L |
| 5 years | ₹6,00,000 | ₹7.68 L | 10.1% | ₹6.84 L | 5.4% | ₹7.63 L / ₹6.84 L |
| 10 years | ₹12,00,000 | ₹24.24 L | 13.7% | ₹20.79 L | 10.7% | ₹22.91 L / ₹19.88 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 84 SIPs, the first starting Nov 2014. Tata ELSS - Tax Saver Fund finished ahead in 79% of them; the median gap was 1.8 percentage points a year in Tata ELSS - Tax Saver Fund's favour.
Downside on the same dates: Tata ELSS - Tax Saver Fund's worst 5-year SIP returned -3.0% a year (started Apr 2015) and 1 of 84 lost money; UTI ELSS Tax Saver Fund's worst returned -4.6% (started Apr 2015) and 2 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Tata ELSS - Tax Saver Fund minus UTI ELSS Tax Saver Fund, percentage points a year.
| Window | SIPs compared | Ahead (Tata / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 108 | 78% / 22% | +2.6 pp | -4.8 ppstarted Sep 2018 | +7.0 ppstarted Dec 2014 |
| 5-year SIPs | 84 | 79% / 21% | +1.8 pp | -2.2 ppstarted Sep 2016 | +5.2 ppstarted Sep 2021 |
Against an index fund, and the cost of the Regular plan
- Tata ELSS - Tax Saver Fund beat a plain Nifty 500 index fund in 90% of 49 rolling 3-year SIPs (median gap +1.4 pp a year) — Tata ELSS - Tax Saver Fund vs Nifty 500 index fund.
- Tata ELSS - Tax Saver Fund: the Regular plan of the same 10-year SIP ended ₹1,70,993 below Direct.
- UTI ELSS Tax Saver Fund beat a plain Nifty 500 index fund in 2% of 49 rolling 3-year SIPs (median gap -1.6 pp a year) — UTI ELSS Tax Saver Fund vs Nifty 500 index fund.
- UTI ELSS Tax Saver Fund: the Regular plan of the same 10-year SIP ended ₹1,16,643 below Direct.
Questions
Which has given better SIP returns, Tata ELSS - Tax Saver Fund or UTI ELSS Tax Saver Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.68 L in Tata ELSS - Tax Saver Fund (XIRR 10.1%) and ₹6.84 L in UTI ELSS Tax Saver Fund (XIRR 5.4%). Past returns don't tell you which will do better next.
Has Tata ELSS - Tax Saver Fund beaten UTI ELSS Tax Saver Fund consistently?
In 79% of 84 rolling 5-year SIPs started on the same dates (from Nov 2014), Tata ELSS - Tax Saver Fund ended ahead of UTI ELSS Tax Saver Fund (Direct plans). The median difference was +1.8 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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