HDFC ELSS Tax saver

ELSS Tax SaverEquity SEBI-regulated

NAV (Direct-Growth)

₹1,491.4330

As of 3 Jul 2026 · AMFI

AUM

₹15.4K Cr

Expense ratio

1.11%

1Y returns

-4.05%

cat -1.72%

3Y CAGR

+15.68%

cat 12.95%

5Y CAGR

+16.78%

cat 12.58%

Std deviation 3Y

+13.56%

cat 15.55%

In plain English

HDFC ELSS Tax saver is a ELSS Tax Saver scheme from HDFC. The portfolio is ~97% in equities. Long-run track record: about 16.8% 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)

₹1491.4330

Last 1Y

-2.62%

Jul 25Min ₹1358.85 · Max ₹1595.05 · 244 ptsJul 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
1.11% — above the typical 1% for equity.
AUM size
₹15.4K Cr.
Sector concentration
Top 3 sectors = 66.3% — 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	-1.75%	-1.21%	54/ 55
1M	+5.30%	+6.78%	50/ 55
3M	-4.57%	-0.40%	51/ 55
6M	-6.64%	-2.61%	50/ 54
YTD	-6.50%	-2.27%	48/ 54
1Y	-4.05%	-1.72%	43/ 54
2Y	+6.89%	+4.55%	20/ 54
3Y	+15.68%	+12.95%	20/ 52
5Y	+16.78%	+12.58%	10/ 47
7Y	+15.03%	+12.47%	27/ 46
10Y	+14.64%	+14.00%	13/ 32

Portfolio composition

Asset allocation

Equity97.37%
Debt0.33%
Cash2.30%

By market cap

Large cap79.14%
Mid cap9.17%
Small cap10.97%
Others0.72%

Concentration

Holdings

Avg market cap

₹2.61 L Cr

Top 10 stocks

51.62%

Top 5 stocks

33.67%

Top 3 sectors

66.33%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
ICICI Bank Ltd
—9.08%
1
ICICI Bank Ltd
—8.99%
2
HDFC Bank Ltd
—8.31%
2
HDFC Bank Ltd
—8.04%
3
Axis Bank Ltd
—7.42%
3
Axis Bank Ltd
—7.04%
4
SBI Life Insurance Co Ltd
—4.88%
4
Maruti Suzuki India Ltd
—4.70%
5
State Bank of India
—4.69%
6
Maruti Suzuki India Ltd
—4.63%
7
Bharti Airtel Ltd
—4.62%
5
Bharti Airtel Ltd
—4.51%
6
State Bank of India
—4.39%
7
Kotak Mahindra Bank Ltd
—4.38%
8
Kotak Mahindra Bank Ltd
—4.23%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio22.1324.09-1.96
P/B ratio3.023.29-0.27
Price / Sales2.702.96-0.26
Price / Cash Flow15.7418.13-2.39
Dividend yield1.30%1.23%+0.07
Return on equity (ROE)16.46%16.61%-0.15

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
11.0913.5612.8217.4515.5514.48
Sharpe ratio
Risk-adjusted return — higher is better.
-0.600.670.82-0.330.480.49
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.700.991.30-0.420.730.76
Beta
1 = moves with the market. <1 = less volatile.
0.840.860.850.950.960.94

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 →

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