ITI ELSS Tax Saver Fund

ELSS Tax SaverEquity SEBI-regulated

NAV (Direct-Growth)

₹28.7269

As of 1 Jul 2026 · AMFI

AUM

₹427.11 Cr

Expense ratio

0.73%

1Y returns

+4.05%

cat -1.72%

3Y CAGR

+19.74%

cat 12.95%

5Y CAGR

+14.24%

cat 12.58%

Std deviation 3Y

+20.02%

cat 15.47%

In plain English

ITI ELSS Tax Saver Fund is a ELSS Tax Saver scheme from ITI. The portfolio is ~97% in equities. Long-run track record: about 14.2% CAGR over 5 years. Volatility is high — expect 30 %+ paper losses during major corrections. Worst historical drawdown: -38% 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)

₹28.7269

Last 1Y

+2.73%

Jul 25Min ₹23.25 · Max ₹28.73 · 245 ptsJul 26

Drawdown stories

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

Mar 2020

-38.5%

Peak ₹10.99 on 24 Jan 2020 → trough ₹6.76 on 23 Mar 2020 (2 months down).

Recovered in 8 months· 17 Nov 2020

Jun 2022

-22.8%

Peak ₹16.33 on 13 Oct 2021 → trough ₹12.60 on 20 Jun 2022 (8 months down).

Recovered in 12 months· 7 Jun 2023

Feb 2025 — ongoing

-22.6%

Peak ₹29.05 on 23 Sept 2024 → trough ₹22.48 on 28 Feb 2025 (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

4 / 5

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

Expense ratio
0.73% — typical for category.
AUM size
₹427 Cr.
Sector concentration
Top 3 sectors = 66.8% — 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	+2.79%	-1.21%	2/ 55
1M	+14.83%	+6.78%	6/ 55
3M	+7.22%	-0.40%	9/ 55
6M	+2.61%	-2.61%	10/ 54
YTD	+4.28%	-2.27%	9/ 54
1Y	+4.05%	-1.72%	15/ 54
2Y	+6.57%	+4.55%	22/ 54
3Y	+19.74%	+12.95%	3/ 52
5Y	+14.24%	+12.58%	20/ 47
7Y	—	+12.47%	—
10Y	—	+14.00%	—

Portfolio composition

Asset allocation

Equity96.64%
Cash3.32%

By market cap

Large cap33.11%
Mid cap6.42%
Small cap48.88%
Others11.59%

Concentration

Holdings

Avg market cap

₹42.8K Cr

Top 10 stocks

25.68%

Top 5 stocks

14.44%

Top 3 sectors

66.78%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
HDFC Bank Ltd
—4.28%
2
Net Receivables / (Payables)
—3.86%
1
HDFC Bank Ltd
—3.76%
3
Axis Bank Ltd
—3.07%
2
Axis Bank Ltd
—2.94%
4
State Bank of India
—2.88%
5
TVS Motor Co Ltd
—2.86%
6
Cholamandalam Investment and Finance Co Ltd
—2.83%
3
Cholamandalam Investment and Finance Co Ltd
—2.77%
7
PNB Housing Finance Ltd
—2.73%
8
Welspun Corp Ltd
—2.70%
9
Bajaj Finance Ltd
—2.57%
4
Treps 01-Jun-2026
—2.53%
5
Bajaj Finance Ltd
—2.51%
6
TVS Motor Co Ltd
—2.47%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio23.9224.09-0.17
P/B ratio2.903.29-0.39
Price / Sales3.262.96+0.30
Price / Cash Flow22.9118.13+4.78
Dividend yield0.73%1.23%-0.50
Return on equity (ROE)14.30%16.61%-2.31

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
19.6120.0217.2317.2615.4714.47
Sharpe ratio
Risk-adjusted return — higher is better.
-0.030.670.52-0.400.450.49
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.051.090.86-0.500.670.75
Beta
1 = moves with the market. <1 = less volatile.
1.381.231.060.960.960.94

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 →

Available plans & options

PlanOptionFull nameISIN

DirectGrowthITI ELSS Tax Saver Fund - Direct Plan - Growth OptionINF00XX01390
DirectIDCW PayoutITI ELSS Tax Saver Fund - Direct Plan - IDCW OptionINF00XX01408
RegularGrowthITI ELSS Tax Saver Fund - Regular Plan - Growth OptionINF00XX01374
RegularIDCW PayoutITI ELSS Tax Saver Fund - Regular Plan - IDCW OptionINF00XX01382

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