HDFC ELSS Tax Saver

ELSS Tax SaverEquityVery High risk Rank 15 of 48

NAV · Direct-Growth

₹1,405.49-11.41-0.81%

As of 1 Oct 2026 · AMFI

NAV growth-8.5%

Oct ’25Oct ’26

Arthkar verdictA balanced read

Returns

Mixed vs category

2 of 3 periods ahead

Cost

High

1.18% vs 0.92% peers

Volatility

Below average

14.1% vs 15.4% cat (3Y)

Consistency

Steady

positive in 9 of 12 years

Beats its ELSS Tax Saver category on 3Y & 5Y but trails on 1Y — and has been steadier than peers.

1Y return

-8.7%

-5.7 vs cat

3Y CAGR

+11.8%

+1.2 vs cat

5Y CAGR

+12.8%

+2.7 vs cat

AUM

₹16.0K Cr

fund size

Expense

1.18%

direct plan

Volatility 3Y

14.1%

▼ vs 15.4%

Go deeper on HDFC ELSS Tax Saver

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

HDFC ELSS Tax Saver SIP returnsWhat ₹1,000–₹25,000/month actually became, 3 to 20 years — real results, with drawdowns and an FD comparison.HDFC 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

HDFC ELSS Tax saver is a ELSS Tax Saver scheme from HDFC. The portfolio is ~99% in equities. Long-run track record: about 12.8% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -44% in Mar 2020, recovered in 10 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 · INF179K01YS4

NAV (Direct-Growth)

₹1405.4880

Last 1Y

-8.47%

Oct 25Min ₹1358.85 · Max ₹1595.05 · 247 ptsOct 26

Drawdown stories

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

Mar 2020

-44.1%

Peak ₹591.20 on 23 Jan 2018 → trough ₹330.23 on 23 Mar 2020 (26 months down).

Recovered in 10 months· 8 Jan 2021

Feb 2016

-26.4%

Peak ₹427.82 on 28 Jan 2015 → trough ₹314.76 on 29 Feb 2016 (13 months down).

Recovered in 6 months· 6 Sept 2016

Aug 2013

-19.6%

Peak ₹252.30 on 21 Jan 2013 → trough ₹202.90 on 28 Aug 2013 (7 months down).

Recovered in 3 months· 5 Dec 2013

Mar 2026 — ongoing

-14.8%

Peak ₹1595.05 on 29 Oct 2025 → trough ₹1358.85 on 31 Mar 2026 (5 months down).

Not yet recovered

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

3 / 5

Watch a few items. Read the signal detail before investing.

Expense ratio
1.18% — above the typical 1% for equity.
AUM size
₹16.0K Cr.
Sector concentration
Top 3 sectors = 68.8% — 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	-2.90%	-2.89%	26/ 49
1M	-5.79%	-5.13%	37/ 49
3M	-5.76%	-4.34%	35/ 49
6M	+1.88%	+7.06%	41/ 49
YTD	-11.01%	-5.29%	43/ 49
1Y	-8.72%	-3.04%	45/ 49
2Y	-2.47%	-2.28%	27/ 48
3Y	+11.81%	+10.58%	15/ 48
5Y	+12.75%	+10.07%	6/ 41
7Y	+15.63%	+15.62%	18/ 40
10Y	+12.45%	+13.00%	19/ 32

Portfolio composition

Asset allocation

Equity98.64%
Debt0.32%
Cash1.05%

By market cap

Large cap77.30%
Mid cap10.76%
Small cap10.97%
Others0.97%

Concentration

Holdings

Avg market cap

₹2.71 L Cr

Top 10 stocks

50.31%

Top 5 stocks

32.48%

Top 3 sectors

68.84%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
ICICI Bank Ltd
—9.64%
1
ICICI Bank Ltd
—9.64%
1
ICICI Bank Ltd
—9.64%
1
ICICI Bank Ltd
—9.32%
1
ICICI Bank Ltd
—9.14%
1
ICICI Bank Ltd
—9.14%
1
ICICI Bank Ltd
—9.14%
1
ICICI Bank Ltd
—9.14%
1
ICICI Bank Ltd
—9.08%
1
ICICI Bank Ltd
—8.99%
1
ICICI Bank Ltd
—8.99%
2
HDFC Bank Ltd
—8.44%
2
HDFC Bank Ltd
—8.44%
2
HDFC Bank Ltd
—8.44%
2
HDFC Bank Ltd
—8.31%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio23.0325.24-2.21
P/B ratio3.173.57-0.40
Price / Sales2.763.12-0.36
Price / Cash Flow16.6719.42-2.75
Dividend yield1.30%1.11%+0.19
Return on equity (ROE)—0.00%—

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
11.0913.5112.6817.1815.4314.34
Sharpe ratio
Risk-adjusted return — higher is better.
-0.270.650.740.010.430.42
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.320.951.150.060.650.64
Beta
1 = moves with the market. <1 = less volatile.
0.870.860.850.960.960.94

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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