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Shriram

Shriram ELSS Tax Saver Fund

ELSS Tax SaverEquity SEBI-regulated

NAV (Direct-Growth)

₹23.6283

As of 1 Jul 2026 · AMFI

AUM

₹45.88 Cr

Expense ratio

0.72%

1Y returns

-0.88%

cat -1.72%

3Y CAGR

+10.01%

cat 12.95%

5Y CAGR

+10.15%

cat 12.58%

Std deviation 3Y

+16.82%

cat 15.47%

In plain English

Shriram ELSS Tax Saver Fund is a ELSS Tax Saver scheme from Shriram. The portfolio is ~98% in equities. Long-run track record: about 10.2% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -30% 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

NAV (Direct-Growth)

₹23.6283

Last 1Y

-1.76%

Jul 25Min ₹21.06 · Max ₹24.62 · 202 ptsJul 26

Drawdown stories

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

Mar 2020

-29.8%

Peak ₹11.74 on 12 Feb 2020 → trough ₹8.24 on 23 Mar 2020 (1 months down).

Recovered in 5 months· 26 Aug 2020

Feb 2025 — ongoing

-23.5%

Peak ₹27.03 on 15 Oct 2024 → trough ₹20.68 on 28 Feb 2025 (5 months down).

Not yet recovered

Jun 2022

-17.5%

Peak ₹17.38 on 18 Oct 2021 → trough ₹14.34 on 20 Jun 2022 (8 months down).

Recovered in 5 months· 30 Nov 2022

Mar 2023

-10.4%

Peak ₹17.56 on 1 Dec 2022 → trough ₹15.73 on 28 Mar 2023 (4 months down).

Recovered in 3 months· 16 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.

5

Honesty score

5 / 5

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

  • Expense ratio

    0.72% — typical for category.

  • AUM size

    ₹46 Cr.

  • Sector concentration

    Top 3 sectors = 54.4% — 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.

PeriodReturnsCategory avgRank
1W-0.77%-1.21%45/ 55
1M+7.42%+6.78%36/ 55
3M-1.29%-0.40%36/ 55
6M-3.33%-2.61%35/ 54
YTD-2.34%-2.27%33/ 54
1Y-0.88%-1.72%35/ 54
2Y-1.18%+4.55%53/ 54
3Y+10.01%+12.95%49/ 52
5Y+10.15%+12.58%45/ 47
7Y+11.82%+12.47%43/ 46
10Y—+14.00%—

Portfolio composition

Asset allocation

  • Equity98.37%
  • Cash1.60%

By market cap

  • Large cap65.45%
  • Mid cap11.05%
  • Small cap14.32%
  • Others9.18%

Concentration

Holdings

80

Avg market cap

₹1.75 L Cr

Top 10 stocks

40.26%

Top 5 stocks

26.65%

Top 3 sectors

54.35%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight
  • 1

    HDFC Bank Ltd

    —7.89%
  • 1

    HDFC Bank Ltd

    —6.93%
  • 2

    Reliance Industries Ltd

    —5.70%
  • 2

    ICICI Bank Ltd

    —4.84%
  • 3

    ICICI Bank Ltd

    —4.66%
  • 3

    Net Receivables / (Payables)

    —4.56%
  • 4

    State Bank of India

    —4.34%
  • 4

    State Bank of India

    —4.33%
  • 5

    Axis Bank Ltd

    —4.07%
  • 5

    Bharti Airtel Ltd

    —4.05%
  • 6

    Bharti Airtel Ltd

    —3.94%
  • 7

    Net Receivables / (Payables)

    —3.56%
  • 6

    Reliance Industries Ltd

    —3.42%
  • 7

    Infosys Ltd

    —3.01%
  • 8

    Axis Bank Ltd

    —2.93%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff
  • P/E ratio19.2824.09-4.81
  • P/B ratio3.063.29-0.23
  • Price / Sales2.642.96-0.32
  • Price / Cash Flow13.8018.13-4.33
  • Dividend yield1.55%1.23%+0.32
  • Return on equity (ROE)18.57%16.61%+1.96

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

  • Standard deviation

    Volatility — lower means steadier returns.

    18.9616.8215.2117.2615.4714.47

  • Sharpe ratio

    Risk-adjusted return — higher is better.

    -0.420.260.33-0.400.450.49

  • Sortino ratio

    Like Sharpe but only counts downside volatility.

    -0.540.350.46-0.500.670.75

  • Beta

    1 = moves with the market. <1 = less volatile.

    0.921.000.970.960.960.94

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
  • DirectGrowthShriram ELSS Tax Saver Fund - Direct GrowthINF680P01158
  • DirectIDCW PayoutShriram ELSS Tax Saver Fund - Direct- IDCWINF680P01166
  • RegularGrowthShriram ELSS Tax Saver Fund - Regular GrowthINF680P01133
  • RegularIDCW PayoutShriram ELSS Tax Saver Fund - Regular-IDCWINF680P01141

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