Previously Known As : Hdfc Taxsaver
Hdfc Elss Tax Saver Datagrid
Category ELSS (Tax Saving) Fund
BMSMONEY Rank 3
Rating
Growth Option 13-03-2026
NAV ₹1300.0(R) -2.01% ₹1409.52(D) -2.0%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.06% 17.96% 16.95% 14.2% 14.49%
Direct 5.72% 18.68% 17.66% 14.88% 15.22%
Nifty 500 TRI 7.03% 15.05% 12.45% 13.56% 14.3%
SIP (XIRR) Regular -12.46% 7.05% 13.22% 15.96% 14.03%
Direct -11.89% 7.76% 13.95% 16.69% 14.73%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.35 0.76 0.92 5.33% -0.46
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
10.87% -10.34% -12.96% 0.83 7.63%
Fund AUM As on: 30/12/2025 17128 Cr
Top ELSS (Tax Saving) Fund
Fund Name Rank Rating
SBI ELSS Tax Saver Fund 1
DSP ELSS Tax Saver Fund 2
HDFC ELSS Tax Saver 3
Baroda BNP Paribas ELSS Tax Saver Fund 4
Mirae Asset ELSS Tax Saver Fund 5
HSBC Elss Tax Saver Fund 6
Nippon India ELSS Tax Saver Fund 7
Tata ELSS Fund 8

NAV Date: 13-03-2026

Scheme Name NAV Rupee Change Percent Change
HDFC ELSS Tax saver - IDCW Plan 63.09
-1.2900
-2.0100%
HDFC ELSS Tax saver - IDCW Option - Direct Plan 88.1
-1.8000
-2.0000%
HDFC ELSS Tax saver - Growth Plan 1300.0
-26.6200
-2.0100%
HDFC ELSS Tax saver - Growth Option - Direct Plan 1409.52
-28.8400
-2.0000%

Review Date: 13-03-2026

Beginning of Analysis

HDFC ELSS Tax Saver is the top ranked fund in the ELSS (Tax Saving) Fund category. The category has total 35 funds. The HDFC ELSS Tax Saver has shown an excellent past performence in ELSS (Tax Saving) Fund. The fund has a Jensen Alpha of 5.33% which is higher than the category average of -1.0%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.35 which is higher than the category average of 0.8.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
ELSS (Tax Saving) Mutual Funds are ideal for taxpayers seeking to save taxes under Section 80C while aiming for long-term wealth creation through equity investments. These funds offer a tax deduction of up to ₹1.5 lakh per financial year and have the shortest lock-in period of 3 years among all Section 80C options. However, being equity-oriented, they are subject to market risks and do not offer guaranteed returns. Investors should have a long-term investment horizon and a moderate to high risk tolerance to invest in ELSS funds. Additionally, the tax implications of long-term capital gains should be considered.

HDFC ELSS Tax Saver Return Analysis

The HDFC ELSS Tax Saver has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its ELSS (Tax Saving) Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the ELSS (Tax Saving) Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -9.57%, -10.66 and -8.62 in last one, three and six months respectively. In the same period the category average return was -8.23%, -9.81% and -8.42% respectively.
  • HDFC ELSS Tax Saver has given a return of 5.72% in last one year. In the same period the Nifty 500 TRI return was 7.03%. The fund has given 1.31% less return than the benchmark return.
  • The fund has given a return of 18.68% in last three years and rank 6th out of thirty eight funds in the category. In the same period the Nifty 500 TRI return was 15.05%. The fund has given 3.63% more return than the benchmark return.
  • HDFC ELSS Tax Saver has given a return of 17.66% in last five years and category average returns is 13.18% in same period. The fund ranked 3rd out of thirty two funds in the category. In the same period the Nifty 500 TRI return was 12.45%. The fund has given 5.21% more return than the benchmark return.
  • The fund has given a return of 15.22% in last ten years and ranked 12th out of twenty seven funds in the category. In the same period the Nifty 500 TRI return was 14.3%. The fund has given 0.92% more return than the benchmark return.
  • The fund has given a SIP return of -11.89% in last one year whereas category average SIP return is -11.02%. The fund one year return rank in the category is 26th in 42 funds
  • The fund has SIP return of 7.76% in last three years and ranks 5th in 38 funds. Motilal Oswal ELSS Tax Saver Fund has given the highest SIP return (9.05%) in the category in last three years.
  • The fund has SIP return of 13.95% in last five years whereas category average SIP return is 9.96%.

HDFC ELSS Tax Saver Risk Analysis

  • The fund has a standard deviation of 10.87 and semi deviation of 7.63. The category average standard deviation is 12.95 and semi deviation is 9.5.
  • The fund has a Value at Risk (VaR) of -10.34 and a maximum drawdown of -12.96. The category average VaR is -16.62 and the maximum drawdown is -17.56. The fund has a beta of 0.83 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in ELSS (Tax Saving) Fund Category
  • Good Performance in ELSS (Tax Saving) Fund Category
  • Poor Performance in ELSS (Tax Saving) Fund Category
  • Very Poor Performance in ELSS (Tax Saving) Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -9.61 -8.21
    -8.32
    		-10.27 | -5.71 37 | 41 Poor
    3M Return % -10.80 -9.72
    -10.07
    		-13.81 | -4.81 29 | 41 Average
    6M Return % -8.90 -7.62
    -8.96
    		-15.09 | -4.98 22 | 41 Good
    1Y Return % 5.06 7.03
    4.60
    		-1.87 | 9.79 18 | 41 Good
    3Y Return % 17.96 15.05
    14.08
    		4.62 | 20.76 4 | 38 Very Good
    5Y Return % 16.95 12.45
    11.92
    		7.13 | 17.21 3 | 32 Very Good
    7Y Return % 14.20 13.56
    13.00
    		8.75 | 20.86 10 | 30 Good
    10Y Return % 14.49 14.30
    13.79
    		10.68 | 19.80 10 | 26 Good
    15Y Return % 12.51 12.36
    12.97
    		10.94 | 14.95 13 | 19 Average
    1Y SIP Return % -12.46
    -12.11
    		-20.64 | -5.69 24 | 41 Average
    3Y SIP Return % 7.05
    3.66
    		-6.30 | 7.95 4 | 38 Very Good
    5Y SIP Return % 13.22
    8.69
    		3.93 | 14.35 3 | 32 Very Good
    7Y SIP Return % 15.96
    12.38
    		7.33 | 18.44 4 | 30 Very Good
    10Y SIP Return % 14.03
    12.56
    		8.91 | 18.37 7 | 26 Very Good
    15Y SIP Return % 13.44
    13.29
    		11.16 | 18.06 9 | 20 Good
    Standard Deviation 10.87
    12.95
    		9.59 | 19.13 2 | 38 Very Good
    Semi Deviation 7.63
    9.50
    		6.93 | 14.90 2 | 38 Very Good
    Max Drawdown % -12.96
    -17.56
    		-28.24 | -9.56 4 | 38 Very Good
    VaR 1 Y % -10.34
    -16.62
    		-24.68 | -10.33 2 | 38 Very Good
    Average Drawdown % -3.96
    -5.73
    		-10.61 | -3.44 6 | 38 Very Good
    Sharpe Ratio 1.35
    0.80
    		0.06 | 1.35 1 | 38 Very Good
    Sterling Ratio 0.92
    0.61
    		0.18 | 0.94 2 | 38 Very Good
    Sortino Ratio 0.76
    0.40
    		0.06 | 0.76 1 | 38 Very Good
    Jensen Alpha % 5.33
    -1.00
    		-12.52 | 5.83 2 | 37 Very Good
    Treynor Ratio -0.46
    -0.43
    		-0.60 | -0.31 26 | 37 Average
    Modigliani Square Measure % 23.81
    16.41
    		6.57 | 23.81 1 | 37 Very Good
    Alpha % 3.67
    -1.29
    		-10.64 | 7.62 2 | 37 Very Good
    Return data last Updated On : March 13, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -9.57 -8.21 -8.23 -10.19 | -5.66 39 | 42 Poor
    3M Return % -10.66 -9.72 -9.81 -13.57 | -4.54 31 | 42 Average
    6M Return % -8.62 -7.62 -8.42 -14.61 | -4.21 23 | 42 Average
    1Y Return % 5.72 7.03 5.85 -0.71 | 11.15 21 | 42 Good
    3Y Return % 18.68 15.05 15.32 6.13 | 22.20 6 | 38 Very Good
    5Y Return % 17.66 12.45 13.18 7.96 | 18.83 3 | 32 Very Good
    7Y Return % 14.88 13.56 14.25 9.65 | 22.65 11 | 30 Good
    10Y Return % 15.22 14.30 14.90 11.78 | 21.12 12 | 27 Good
    1Y SIP Return % -11.89 -11.02 -19.68 | -4.51 26 | 42 Average
    3Y SIP Return % 7.76 4.85 -4.87 | 9.05 5 | 38 Very Good
    5Y SIP Return % 13.95 9.96 5.76 | 15.15 3 | 32 Very Good
    7Y SIP Return % 16.69 13.68 9.29 | 20.24 4 | 30 Very Good
    10Y SIP Return % 14.73 13.69 9.84 | 19.97 9 | 27 Good
    Standard Deviation 10.87 12.95 9.59 | 19.13 2 | 38 Very Good
    Semi Deviation 7.63 9.50 6.93 | 14.90 2 | 38 Very Good
    Max Drawdown % -12.96 -17.56 -28.24 | -9.56 4 | 38 Very Good
    VaR 1 Y % -10.34 -16.62 -24.68 | -10.33 2 | 38 Very Good
    Average Drawdown % -3.96 -5.73 -10.61 | -3.44 6 | 38 Very Good
    Sharpe Ratio 1.35 0.80 0.06 | 1.35 1 | 38 Very Good
    Sterling Ratio 0.92 0.61 0.18 | 0.94 2 | 38 Very Good
    Sortino Ratio 0.76 0.40 0.06 | 0.76 1 | 38 Very Good
    Jensen Alpha % 5.33 -1.00 -12.52 | 5.83 2 | 37 Very Good
    Treynor Ratio -0.46 -0.43 -0.60 | -0.31 26 | 37 Average
    Modigliani Square Measure % 23.81 16.41 6.57 | 23.81 1 | 37 Very Good
    Alpha % 3.67 -1.29 -10.64 | 7.62 2 | 37 Very Good
    Return data last Updated On : March 13, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Hdfc Elss Tax Saver NAV Regular Growth Hdfc Elss Tax Saver NAV Direct Growth
    13-03-2026 1300.001 1409.515
    12-03-2026 1326.62 1438.352
    11-03-2026 1342.653 1455.711
    10-03-2026 1363.926 1478.75
    09-03-2026 1344.802 1457.991
    06-03-2026 1374.155 1489.738
    05-03-2026 1392.079 1509.144
    04-03-2026 1382.344 1498.566
    02-03-2026 1407.327 1525.597
    27-02-2026 1424.896 1544.563
    26-02-2026 1442.39 1563.5
    25-02-2026 1442.125 1563.186
    24-02-2026 1435.523 1556.004
    23-02-2026 1452.531 1574.413
    20-02-2026 1442.277 1563.218
    19-02-2026 1435.862 1556.239
    18-02-2026 1456.645 1578.738
    17-02-2026 1451.537 1573.175
    16-02-2026 1448.016 1569.332
    13-02-2026 1438.227 1558.644

    Fund Launch Date: 31/Mar/1996
    Fund Category: ELSS (Tax Saving) Fund
    Investment Objective: To generate capital appreciation / income from a portfolio, comprising predominantly of equity & equity related instruments. There is no assurance that the investment objective of the Scheme will be realized.
    Fund Description: An open ended equity linked savings scheme with a statutory lock in of 3 years and tax benefit
    Fund Benchmark: NIFTY 500 (Total Returns Index)
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.