Previously Known As : Hdfc Taxsaver
Hdfc Elss Tax Saver Datagrid
Category ELSS (Tax Saving) Fund
BMSMONEY Rank 13
Rating
Growth Option 29-07-2026
NAV ₹1383.8(R) +1.04% ₹1503.66(D) +1.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -1.31% 14.16% 15.83% 15.76% 13.12%
Direct -0.7% 14.86% 16.54% 16.45% 13.83%
Nifty 500 TRI 2.46% 12.12% 12.47% 15.58% 13.51%
SIP (XIRR) Regular -0.61% 6.7% 13.21% 16.51% 14.09%
Direct -0.02% 7.37% 13.93% 17.25% 14.78%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.62 0.28 0.6 4.05% 0.11
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
13.54% -17.1% -14.41% 0.78 10.29%
Fund AUM As on: 30/12/2025 17128 Cr
Top ELSS (Tax Saving) Fund
Fund Name Rank Rating
Motilal Oswal ELSS Tax Saver Fund 1
quant Elss Tax Saver Fund 2
SBI ELSS Tax Saver Fund 3
Baroda BNP Paribas ELSS Tax Saver Fund 4
HSBC Elss Tax Saver Fund 5
Whiteoak Capital Elss Tax Saver Fund 6
JM ELSS Tax Saver Fund 7
Nippon India ELSS Tax Saver Fund 8

NAV Date: 29-07-2026

Scheme Name NAV Rupee Change Percent Change
HDFC ELSS Tax saver - IDCW Plan 67.16
0.6900
1.0400%
HDFC ELSS Tax saver - IDCW Option - Direct Plan 93.99
0.9700
1.0400%
HDFC ELSS Tax saver - Growth Plan 1383.8
14.1900
1.0400%
HDFC ELSS Tax saver - Growth Option - Direct Plan 1503.66
15.4400
1.0400%

Review Date: 29-07-2026

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 4.05% which is higher than the category average of -0.29%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.62 which is higher than the category average of 0.38.
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 2.55%, 3.15 and -2.57 in last one, three and six months respectively. In the same period the category average return was 1.67%, 3.04% and 2.47% respectively.
  • HDFC ELSS Tax Saver has given a return of -0.7% in last one year. In the same period the Nifty 500 TRI return was 2.46%. The fund has given 3.16% less return than the benchmark return.
  • The fund has given a return of 14.86% in last three years and rank 10th out of thirty nine funds in the category. In the same period the Nifty 500 TRI return was 12.12%. The fund has given 2.74% more return than the benchmark return.
  • HDFC ELSS Tax Saver has given a return of 16.54% in last five years and category average returns is 12.86% in same period. The fund ranked 3rd out of thirty one funds in the category. In the same period the Nifty 500 TRI return was 12.47%. The fund has given 4.07% more return than the benchmark return.
  • The fund has given a return of 13.83% in last ten years and ranked 13th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 13.51%. The fund has given 0.32% more return than the benchmark return.
  • The fund has given a SIP return of -0.02% in last one year whereas category average SIP return is 5.43%. The fund one year return rank in the category is 35th in 41 funds
  • The fund has SIP return of 7.37% in last three years and ranks 18th in 39 funds. Motilal Oswal ELSS Tax Saver Fund has given the highest SIP return (14.03%) in the category in last three years.
  • The fund has SIP return of 13.93% in last five years whereas category average SIP return is 11.94%.

HDFC ELSS Tax Saver Risk Analysis

  • The fund has a standard deviation of 13.54 and semi deviation of 10.29. The category average standard deviation is 15.39 and semi deviation is 11.37.
  • The fund has a Value at Risk (VaR) of -17.1 and a maximum drawdown of -14.41. The category average VaR is -22.63 and the maximum drawdown is -18.27. 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 % 2.51 1.69
    1.57
    		-0.82 | 3.59 8 | 40 Very Good
    3M Return % 3.00 2.58
    2.76
    		-1.40 | 8.09 17 | 40 Good
    6M Return % -2.86 1.53
    1.90
    		-4.41 | 14.54 36 | 40 Poor
    1Y Return % -1.31 2.46
    0.74
    		-6.79 | 12.24 27 | 40 Average
    3Y Return % 14.16 12.12
    11.50
    		3.36 | 20.21 9 | 39 Very Good
    5Y Return % 15.83 12.47
    11.64
    		7.35 | 16.41 3 | 31 Very Good
    7Y Return % 15.76 15.58
    15.12
    		10.75 | 24.17 12 | 30 Good
    10Y Return % 13.12 13.51
    13.08
    		9.99 | 18.98 11 | 25 Good
    15Y Return % 12.60 12.96
    13.39
    		11.36 | 15.69 14 | 19 Average
    1Y SIP Return % -0.61
    4.25
    		-5.62 | 19.38 34 | 40 Poor
    3Y SIP Return % 6.70
    6.07
    		-1.57 | 12.67 16 | 39 Good
    5Y SIP Return % 13.21
    10.71
    		6.15 | 17.62 6 | 31 Very Good
    7Y SIP Return % 16.51
    13.85
    		8.83 | 20.96 5 | 30 Very Good
    10Y SIP Return % 14.09
    13.37
    		9.86 | 19.94 9 | 25 Good
    15Y SIP Return % 13.70
    13.84
    		11.15 | 19.46 10 | 20 Good
    Standard Deviation 13.54
    15.39
    		11.39 | 21.29 3 | 39 Very Good
    Semi Deviation 10.29
    11.37
    		8.48 | 15.53 6 | 39 Very Good
    Max Drawdown % -14.41
    -18.27
    		-28.24 | -14.41 1 | 39 Very Good
    VaR 1 Y % -17.10
    -22.63
    		-38.55 | -15.29 4 | 39 Very Good
    Average Drawdown % 7.81
    8.11
    		4.32 | 11.51 20 | 39 Good
    Sharpe Ratio 0.62
    0.38
    		-0.05 | 0.72 4 | 39 Very Good
    Sterling Ratio 0.60
    0.43
    		0.12 | 0.68 4 | 39 Very Good
    Sortino Ratio 0.28
    0.19
    		0.02 | 0.36 6 | 39 Very Good
    Jensen Alpha % 4.05
    -0.29
    		-8.12 | 6.11 2 | 38 Very Good
    Treynor Ratio 0.11
    0.07
    		-0.01 | 0.12 3 | 38 Very Good
    Modigliani Square Measure % 9.48
    6.01
    		-0.84 | 11.01 4 | 38 Very Good
    Alpha % 2.49
    -0.82
    		-8.52 | 6.66 9 | 38 Very Good
    Return data last Updated On : July 29, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 2.55 1.69 1.67 -0.72 | 3.75 8 | 41 Very Good
    3M Return % 3.15 2.58 3.04 -1.27 | 8.45 18 | 41 Good
    6M Return % -2.57 1.53 2.47 -4.03 | 15.11 37 | 41 Poor
    1Y Return % -0.70 2.46 1.91 -5.76 | 13.38 28 | 41 Average
    3Y Return % 14.86 12.12 12.70 4.82 | 21.64 10 | 39 Very Good
    5Y Return % 16.54 12.47 12.86 8.17 | 17.75 3 | 31 Very Good
    7Y Return % 16.45 15.58 16.37 12.28 | 26.01 14 | 30 Good
    10Y Return % 13.83 13.51 14.12 10.56 | 20.34 13 | 26 Good
    1Y SIP Return % -0.02 5.43 -4.57 | 20.56 35 | 41 Poor
    3Y SIP Return % 7.37 7.23 -0.19 | 14.03 18 | 39 Good
    5Y SIP Return % 13.93 11.94 7.72 | 19.05 6 | 31 Very Good
    7Y SIP Return % 17.25 15.13 10.76 | 22.70 5 | 30 Very Good
    10Y SIP Return % 14.78 14.42 10.54 | 21.53 11 | 26 Good
    Standard Deviation 13.54 15.39 11.39 | 21.29 3 | 39 Very Good
    Semi Deviation 10.29 11.37 8.48 | 15.53 6 | 39 Very Good
    Max Drawdown % -14.41 -18.27 -28.24 | -14.41 1 | 39 Very Good
    VaR 1 Y % -17.10 -22.63 -38.55 | -15.29 4 | 39 Very Good
    Average Drawdown % 7.81 8.11 4.32 | 11.51 20 | 39 Good
    Sharpe Ratio 0.62 0.38 -0.05 | 0.72 4 | 39 Very Good
    Sterling Ratio 0.60 0.43 0.12 | 0.68 4 | 39 Very Good
    Sortino Ratio 0.28 0.19 0.02 | 0.36 6 | 39 Very Good
    Jensen Alpha % 4.05 -0.29 -8.12 | 6.11 2 | 38 Very Good
    Treynor Ratio 0.11 0.07 -0.01 | 0.12 3 | 38 Very Good
    Modigliani Square Measure % 9.48 6.01 -0.84 | 11.01 4 | 38 Very Good
    Alpha % 2.49 -0.82 -8.52 | 6.66 9 | 38 Very Good
    Return data last Updated On : July 29, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 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
    29-07-2026 1383.796 1503.656
    28-07-2026 1369.604 1488.212
    27-07-2026 1367.675 1486.094
    24-07-2026 1355.492 1472.787
    23-07-2026 1354.628 1471.827
    22-07-2026 1360.009 1477.65
    21-07-2026 1371.882 1490.528
    20-07-2026 1371.192 1489.755
    17-07-2026 1377.978 1497.058
    16-07-2026 1368.067 1486.268
    15-07-2026 1370.314 1488.686
    14-07-2026 1365.621 1483.565
    13-07-2026 1375.913 1494.723
    10-07-2026 1374.843 1493.492
    09-07-2026 1360.615 1478.013
    08-07-2026 1354.039 1470.846
    07-07-2026 1384.309 1503.705
    06-07-2026 1381.605 1500.744
    03-07-2026 1373.096 1491.433
    02-07-2026 1368.545 1486.467
    01-07-2026 1359.616 1476.745
    30-06-2026 1349.86 1466.127
    29-06-2026 1349.956 1466.208

    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.