Hdfc Taxsaver Overview
Category ELSS (Tax Saving) Fund
BMSMONEY Rank 1
Rating
Growth Option 09-05-2025
NAV ₹1334.46(R) -1.08% ₹1439.15(D) -1.08%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 13.56% 23.53% 28.58% 14.41% 13.06%
Direct 14.24% 24.29% 29.36% 15.11% 13.77%
Nifty 500 TRI 7.58% 16.86% 24.7% 13.86% 13.48%
SIP (XIRR) Regular 4.37% 20.96% 22.36% 19.68% 16.33%
Direct 4.99% 21.71% 23.12% 20.39% 17.01%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.04 0.57 0.89 8.93% 0.16
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.56% -14.39% -12.96% 0.83 8.81%

NAV Date: 09-05-2025

Scheme Name NAV Rupee Change Percent Change
HDFC ELSS Tax saver - IDCW Plan 71.32
-0.7800
-1.0800%
HDFC ELSS Tax saver - IDCW Option - Direct Plan 96.49
-1.0500
-1.0800%
HDFC ELSS Tax saver - Growth Plan 1334.46
-14.5800
-1.0800%
HDFC ELSS Tax saver - Growth Option - Direct Plan 1439.15
-15.7000
-1.0800%

Review Date: 09-05-2025

Beginning of Analysis

Hdfc Taxsaver is the top ranked fund in the ELSS (Tax Saving) Fund category. The category has total 35 funds. The 5 star rating shows an excellent past performance of the Hdfc Taxsaver in ELSS (Tax Saving) Fund. The fund has a Jensen Alpha of 8.93% which is higher than the category average of 0.91%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.04 which is higher than the category average of 0.47.
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 Taxsaver Return Analysis

The Hdfc Taxsaver 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 6.05%, 2.95 and -0.55 in last one, three and six months respectively. In the same period the category average return was 6.17%, 0.64% and -5.04% respectively.
  • Hdfc Taxsaver has given a return of 14.24% in last one year. In the same period the Nifty 500 TRI return was 7.58%. The fund has given 6.66% more return than the benchmark return.
  • The fund has given a return of 24.29% in last three years and rank 3rd out of 35 funds in the category. In the same period the Nifty 500 TRI return was 16.86%. The fund has given 7.43% more return than the benchmark return.
  • Hdfc Taxsaver has given a return of 29.36% in last five years and category average returns is 25.19% in same period. The fund ranked 4th out of 33 funds in the category. In the same period the Nifty 500 TRI return was 24.7%. The fund has given 4.66% more return than the benchmark return.
  • The fund has given a return of 13.77% in last ten years and ranked 14th out of 25 funds in the category. In the same period the Nifty 500 TRI return was 13.48%. The fund has given 0.29% more return than the benchmark return.
  • The fund has given a SIP return of 4.99% in last one year whereas category average SIP return is -3.15%. The fund one year return rank in the category is 1st in 41 funds
  • The fund has SIP return of 21.71% in last three years and ranks 2nd in 35 funds. Sbi Long Term Equity Fund has given the highest SIP return (22.8%) in the category in last three years.
  • The fund has SIP return of 23.12% in last five years whereas category average SIP return is 17.48%.

Hdfc Taxsaver Risk Analysis

  • The fund has a standard deviation of 12.56 and semi deviation of 8.81. The category average standard deviation is 14.55 and semi deviation is 10.36.
  • The fund has a Value at Risk (VaR) of -14.39 and a maximum drawdown of -12.96. The category average VaR is -18.5 and the maximum drawdown is -17.44. 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

  • 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 Taxsaver NAV Regular Growth Hdfc Taxsaver NAV Direct Growth
    09-05-2025 1334.463 1439.153
    08-05-2025 1349.045 1454.855
    07-05-2025 1358.653 1465.192
    06-05-2025 1353.929 1460.074
    02-05-2025 1358.426 1464.827
    30-04-2025 1363.854 1470.631
    28-04-2025 1363.406 1470.1
    25-04-2025 1348.796 1454.275
    24-04-2025 1362.918 1469.478
    23-04-2025 1366.731 1473.564
    22-04-2025 1361.725 1468.143
    21-04-2025 1357.455 1463.515
    17-04-2025 1338.534 1443.021
    16-04-2025 1318.119 1420.989
    15-04-2025 1308.741 1410.856
    11-04-2025 1279.343 1379.08
    09-04-2025 1258.996 1357.106

    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.