Franklin India ELSS Tax Saver Fund

ELSS Tax SaverEquity SEBI-regulated

NAV (Direct-Growth)

₹1,596.1257

As of 1 Jul 2026 · AMFI

AUM

₹6.0K Cr

Expense ratio

0.91%

1Y returns

-4.94%

cat -1.72%

3Y CAGR

+14.38%

cat 12.95%

5Y CAGR

+13.69%

cat 12.58%

Std deviation 3Y

+14.49%

cat 15.55%

In plain English

Franklin India ELSS Tax Saver Fund is a ELSS Tax Saver scheme from Franklin Templeton. The portfolio is ~94% in equities with 6% kept in cash and short-term debt. Long-run track record: about 13.7% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -39% in Mar 2020, recovered in 8 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

NAV (Direct-Growth)

₹1596.1257

Last 1Y

-4.94%

Jul 25Min ₹1447.58 · Max ₹1701.02 · 245 ptsJul 26

Drawdown stories

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

Mar 2020

-39.0%

Peak ₹627.10 on 17 Jan 2020 → trough ₹382.60 on 23 Mar 2020 (2 months down).

Recovered in 8 months· 18 Nov 2020

Jun 2022

-18.2%

Peak ₹993.92 on 18 Oct 2021 → trough ₹813.33 on 20 Jun 2022 (8 months down).

Recovered in 4 months· 31 Oct 2022

Feb 2025 — ongoing

-16.7%

Peak ₹1724.48 on 23 Sept 2024 → trough ₹1437.02 on 28 Feb 2025 (5 months down).

Not yet recovered

Feb 2016

-16.4%

Peak ₹455.94 on 7 Aug 2015 → trough ₹381.00 on 29 Feb 2016 (7 months down).

Recovered in 4 months· 30 Jun 2016

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

5 / 5

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

Expense ratio
0.91% — typical for category.
AUM size
₹6.0K Cr.
Sector concentration
Top 3 sectors = 53.9% — diversified across sectors.

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	-0.69%	-1.21%	44/ 55
1M	+6.68%	+6.78%	43/ 55
3M	-1.48%	-0.40%	37/ 55
6M	-4.92%	-2.61%	44/ 54
YTD	-4.61%	-2.27%	41/ 54
1Y	-4.94%	-1.72%	45/ 54
2Y	+4.72%	+4.55%	37/ 54
3Y	+14.38%	+12.95%	27/ 52
5Y	+13.69%	+12.58%	26/ 47
7Y	+14.71%	+12.47%	30/ 46
10Y	+13.69%	+14.00%	23/ 32

Portfolio composition

Asset allocation

Equity93.61%
Cash6.39%

By market cap

Large cap74.22%
Mid cap12.50%
Small cap8.76%
Others4.52%

Concentration

Holdings

Avg market cap

₹2.68 L Cr

Top 10 stocks

45.94%

Top 5 stocks

29.55%

Top 3 sectors

53.93%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
HDFC Bank Ltd
—9.04%
1
HDFC Bank Ltd
—8.04%
2
ICICI Bank Ltd
—7.10%
2
ICICI Bank Ltd
—6.86%
3
Call, Cash & Other Assets
—6.14%
3
Larsen & Toubro Ltd
—5.90%
4
Axis Bank Ltd
—5.35%
5
State Bank of India
—5.31%
4
Axis Bank Ltd
—5.28%
5
Larsen & Toubro Ltd
—4.84%
6
State Bank of India
—4.52%
6
Call, Cash & Other Assets
—4.48%
7
Infosys Ltd
—3.81%
7
Infosys Ltd
—3.67%
8
Bharti Airtel Ltd
—3.50%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio22.7624.09-1.33
P/B ratio3.033.29-0.26
Price / Sales2.632.96-0.33
Price / Cash Flow17.1118.13-1.02
Dividend yield1.22%1.23%-0.01
Return on equity (ROE)15.88%16.61%-0.73

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
13.7914.4913.7917.4515.5514.48
Sharpe ratio
Risk-adjusted return — higher is better.
-0.640.560.58-0.330.480.49
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.790.830.88-0.420.730.76
Beta
1 = moves with the market. <1 = less volatile.
0.870.930.920.950.960.94

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 →

Available plans & options

PlanOptionFull nameISIN

DirectGrowthFranklin India ELSS Tax Saver Fund - Direct - GrowthINF090I01JS8
DirectIDCW ReinvestmentFranklin India ELSS Tax Saver Fund - Direct - IDCWINF090I01JT6
RegularGrowthFranklin India ELSS Tax Saver Fund-GrowthINF090I01775
RegularIDCW ReinvestmentFranklin India ELSS Tax Saver Fund - IDCWINF090I01783

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