BANK OF INDIA ELSS Tax Saver

ELSS Tax SaverEquityVery High risk Rank 13 of 44

NAV · Direct-Growth

₹197.36+0.11+0.06%

As of 18 Aug 2026 · AMFI

NAV growth+8.1%

Aug ’25Aug ’26

Arthkar verdictA balanced read

Returns

Beats category

1Y, 3Y, 5Y all ahead

Cost

Average

0.77% vs NaN% peers

Volatility

Above average

17.7% vs 15.5% cat (3Y)

Consistency

Steady

positive in 9 of 12 years

Beats its ELSS Tax Saver category on 1Y, 3Y & 5Y — but has run more volatile than peers.

1Y return

+8.1%

+4.8 vs cat

3Y CAGR

+15.3%

+1.6 vs cat

5Y CAGR

+12.9%

+0.2 vs cat

AUM

₹1.4K Cr

fund size

Expense

0.77%

direct plan

Volatility 3Y

17.7%

▲ vs 15.5%

Go deeper on BANK OF INDIA ELSS Tax Saver

Two data-only views, computed from this fund's real NAV history — no projections.

BANK OF INDIA ELSS Tax Saver SIP returnsWhat ₹1,000–₹25,000/month actually became, 3 to 20 years — real results, with drawdowns and an FD comparison.BANK OF INDIA ELSS Tax Saver real oddsYour real chances over every start date in history — how often it made money and beat a fixed deposit.

In plain English

BANK OF INDIA ELSS Tax Saver is a ELSS Tax Saver scheme from Bank of India. The portfolio is ~92% in equities with 8% kept in cash and short-term debt. Long-run track record: about 12.9% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -32% in Mar 2020, recovered in 5 months. Mandatory 3-year lock-in. Wrong fit if you need access sooner.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

Showing Direct · Growth · INF761K01884

NAV (Direct-Growth)

₹197.3600

Last 1Y

+8.10%

Aug 25Min ₹171.57 · Max ₹197.36 · 247 ptsAug 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2020

-31.7%

Peak ₹66.07 on 20 Feb 2020 → trough ₹45.13 on 23 Mar 2020 (1 months down).

Recovered in 5 months· 24 Aug 2020

Oct 2018

-25.3%

Peak ₹64.36 on 15 Jan 2018 → trough ₹48.10 on 23 Oct 2018 (9 months down).

Recovered in 16 months· 6 Feb 2020

Feb 2025 — ongoing

-23.9%

Peak ₹205.56 on 11 Dec 2024 → trough ₹156.47 on 28 Feb 2025 (3 months down).

Not yet recovered

Jun 2022

-21.9%

Peak ₹119.66 on 18 Oct 2021 → trough ₹93.48 on 20 Jun 2022 (8 months down).

Recovered in 12 months· 6 Jun 2023

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

Expense ratio
0.77% — typical for category.
AUM size
₹1.4K Cr.
Sector concentration
Top 3 sectors = 61.1% — fairly concentrated.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	+0.68%	-0.58%	2/ 45
1M	+1.55%	+1.43%	18/ 45
3M	+5.44%	+6.38%	29/ 45
6M	+3.48%	+1.40%	15/ 45
YTD	+4.75%	+0.62%	7/ 45
1Y	+8.10%	+3.33%	11/ 45
2Y	-0.04%	+1.93%	37/ 44
3Y	+15.28%	+13.72%	13/ 44
5Y	+12.88%	+12.66%	17/ 37
7Y	+20.71%	+16.82%	3/ 36
10Y	+16.65%	+14.11%	4/ 32

Portfolio composition

Asset allocation

Equity91.65%
Debt0.12%
Cash8.23%

By market cap

Large cap55.30%
Mid cap13.65%
Small cap22.71%
Others8.34%

Concentration

Holdings

Avg market cap

₹1.27 L Cr

Top 10 stocks

31.23%

Top 5 stocks

17.35%

Top 3 sectors

61.06%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
State Bank of India
—4.45%
1
State Bank of India
—4.45%
1
State Bank of India
—4.45%
1
State Bank of India
—4.45%
1
State Bank of India
—4.45%
1
Vedanta Ltd
—4.42%
2
State Bank of India
—4.29%
2
Hindustan Aeronautics Ltd Ordinary Shares
—3.53%
2
Hindustan Aeronautics Ltd Ordinary Shares
—3.53%
2
Hindustan Aeronautics Ltd Ordinary Shares
—3.53%
2
Hindustan Aeronautics Ltd Ordinary Shares
—3.53%
2
Hindustan Aeronautics Ltd Ordinary Shares
—3.53%
4
Bharti Airtel Ltd
—3.33%
5
ICICI Bank Ltd
—3.21%
3
Quality Power Electrical Equipments Ltd
—3.19%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio20.9424.09-3.15
P/B ratio2.973.29-0.32
Price / Sales3.042.96+0.08
Price / Cash Flow16.4518.13-1.68
Dividend yield1.42%1.23%+0.19
Return on equity (ROE)18.56%16.61%+1.95

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
20.8617.9016.2717.2615.4714.47
Sharpe ratio
Risk-adjusted return — higher is better.
-0.150.570.54-0.400.450.49
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.230.910.85-0.500.670.75
Beta
1 = moves with the market. <1 = less volatile.
0.911.081.020.960.960.94

Peers in ELSS Tax Saver

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

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