Bandhan ELSS - Tax Saver Fund
ELSSVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹150.61+0.12%1 day
- Return since launch
- 16.5%
- 52-week range
- ₹137.74 — ₹160.14
- AUM
- ₹6,965 Cr
Bandhan ELSS - Tax Saver Fund is a ELSS equity fund from Bandhan Mutual Fund with ₹6,965 Cr under management, launched in 2008. Over three years it has returned 2.6% a year, against 10.4% for its category. The expense ratio is 2.04% and the SEBI riskometer reading is Very High.
Performance
Bandhan ELSS - Tax Saver Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +0.4% against -0.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -2.6% | −2.7 pts | 0.1% | -2.1% |
| 2Y | 0.3% | −0.4 pts | 0.7% | -0.3% |
| 3Y | 2.6% | −7.9 pts | 10.4% | 2.7% |
| 5Y | 8.3% | −1.4 pts | 9.7% | 8.4% |
| 7Y | 13.6% | +0.6 pts | 13.0% | 11.6% |
| 10Y | 13.4% | +0.9 pts | 12.5% | 11.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -3.6% | −0.1 pts | -3.5% | -3.6% |
| 3M | -1.8% | −1.2 pts | -0.6% | -1.0% |
| 6M | 7.0% | −2.2 pts | 9.2% | 8.2% |
| 1Y | 0.4% | +0.3 pts | 0.1% | -0.8% |
| 2Y | -3.8% | −0.5 pts | -3.3% | -3.9% |
| 3Y | 8.2% | −2.3 pts | 10.4% | 9.2% |
| 5Y | 9.6% | −0.1 pts | 9.7% | 8.7% |
| 7Y | 15.7% | +1.3 pts | 14.4% | 12.5% |
| 10Y | 13.6% | +1.1 pts | 12.5% | 10.9% |
Since launch (1 Dec 2008): 16.5%
Calendar-year returns
Category average18.7%
49.2%
4.2%
28.3%
13.0%
8.0%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 8.0% | +3.5 pts | 4.5% |
| 2024 | 13.0% | −7.3 pts | 20.3% |
| 2023 | 28.3% | −3.5 pts | 31.8% |
| 2022 | 4.2% | +0.7 pts | 3.5% |
| 2021 | 49.2% | +9.3 pts | 39.9% |
| 2020 | 18.7% | 0.0 pts | 18.7% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.02%
Expense ratio as on 24 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.55%
- Brokerage
- 0.07%
- Transaction charges
- 0.00%
- Statutory levies
- 0.40%
- Exit load
- 0%
- Lock-in
- 3 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- BSE 500 TRI
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | -1.64 | 4.67 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.89 | 1.08 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.33 | 0.67 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.42 | 0.90 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 13.65 | 17.94 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Bandhan ELSS - Tax Saver Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity95.2%
- Debt0.0%
- Other4.8%
Market cap split
- Large73.2%
- Mid16.6%
- Small10.2%
- P/E
- 22.32
- P/B
- 2.85
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 7.74% | ₹539 Cr | +7.37% | +7.67% | +7.86% |
| Kotak Mahindra Bank Ltd. | Financial | 6.32% | ₹440 Cr | +5.11% | +4.65% | +3.98% |
| Reliance Industries Ltd. | Energy | 6.23% | ₹434 Cr | +6.44% | +6.52% | +6.49% |
| ICICI Bank Ltd. | Financial | 5.64% | ₹393 Cr | +5.01% | +5.28% | +5.07% |
| Others | Others | 4.84% | ₹336 Cr | +0.12% | +0.09% | +0.09% |
| Tata Consultancy Services Ltd. | Technology | 4.31% | ₹300 Cr | +3.84% | +3.18% | +4.14% |
| Infosys Ltd. | Technology | 3.09% | ₹215 Cr | +2.74% | +2.03% | +2.88% |
| Axis Bank Ltd. | Financial | 2.99% | ₹208 Cr | +3.47% | +2.94% | +2.88% |
| Maruti Suzuki India Ltd. | Automobile | 2.63% | ₹183 Cr | +2.62% | +2.11% | +2.14% |
| Bharti Airtel Ltd. | Communication | 2.47% | ₹172 Cr | +2.57% | +2.13% | +2.46% |
| Larsen & Toubro Ltd. | Construction | 2.32% | ₹162 Cr | +2.56% | +1.82% | +1.04% |
| ITC Ltd. | Consumer Staples | 2.27% | ₹158 Cr | +1.91% | +1.42% | +1.78% |
| Mahindra & Mahindra Financial Services Ltd. | Financial | 2.14% | ₹149 Cr | +1.91% | +1.91% | +1.47% |
| HDFC Life Insurance Co Ltd. | Insurance | 2.03% | ₹141 Cr | +1.49% | +1.62% | +1.57% |
| Jindal Steel Ltd. | Metals & Mining | 1.97% | ₹137 Cr | +2.14% | +2.38% | +1.85% |
| Avenue Supermarts Ltd. | Services | 1.96% | ₹137 Cr | +1.80% | +1.64% | +1.90% |
| Bajaj Finserv Ltd. | Financial | 1.89% | ₹131 Cr | +1.71% | +0.99% | — |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 1.74% | ₹121 Cr | +1.66% | +1.68% | +1.60% |
| IDFC First Bank Ltd. | Financial | 1.73% | ₹120 Cr | +1.58% | +1.56% | +1.18% |
| Poonawalla Fincorp Ltd. | Financial | 1.73% | ₹121 Cr | +1.61% | +1.68% | +1.50% |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 1.66% | ₹115 Cr | +1.93% | +1.09% | +1.00% |
| Oil And Natural Gas Corporation Ltd. | Energy | 1.66% | ₹116 Cr | +1.37% | +1.19% | — |
| United Spirits Ltd. | Consumer Staples | 1.47% | ₹103 Cr | +1.50% | +1.56% | +1.33% |
| Sterlite Technologies Ltd. | Communication | 1.46% | ₹102 Cr | +3.17% | +1.51% | +1.11% |
| Cipla Ltd. | Healthcare | 1.42% | ₹98.64 Cr | +1.45% | +0.19% | — |
| Eternal Ltd. | Services | 1.41% | ₹98.43 Cr | +1.11% | +0.35% | — |
| Hindustan Unilever Ltd. | Consumer Staples | 1.41% | ₹98.37 Cr | — | — | — |
| Mahindra Lifespace Developers Ltd. | Construction | 1.40% | ₹97.63 Cr | +1.31% | +1.35% | +1.38% |
| Titan Company Ltd. | Consumer Discretionary | 1.28% | ₹89.29 Cr | +1.81% | +1.84% | +1.31% |
| Aurobindo Pharma Ltd. | Healthcare | 1.23% | ₹85.85 Cr | +0.84% | +1.30% | +1.12% |
| Glaxosmithkline Pharmaceuticals Ltd. | Healthcare | 1.20% | ₹83.88 Cr | +0.83% | +0.93% | +0.89% |
| company:5765 | Insurance | 1.20% | ₹83.60 Cr | — | — | — |
| Hero Motocorp Ltd. | Automobile | 1.17% | ₹81.75 Cr | +1.09% | +1.01% | +2.40% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1.14% | ₹79.39 Cr | +0.80% | +1.72% | +1.62% |
| Bayer CropScience Ltd. | Chemicals | 1.01% | ₹70.28 Cr | +1.17% | +1.18% | +1.29% |
| Ultratech Cement Ltd. | Materials | 0.99% | ₹68.70 Cr | — | — | — |
| GAIL (India) Ltd. | Energy | 0.89% | ₹62.13 Cr | +0.85% | +1.20% | +1.00% |
| The Ramco Cements Ltd. | Materials | 0.88% | ₹61.57 Cr | +0.84% | +0.96% | +0.87% |
| MAS Financial Services Ltd. | Financial | 0.87% | ₹60.91 Cr | +0.91% | +0.92% | +0.89% |
| United Breweries Ltd. | Consumer Staples | 0.86% | ₹60.19 Cr | +0.86% | +1.10% | +1.01% |
| VRL Logistics Ltd. | Services | 0.84% | ₹58.17 Cr | +0.67% | +0.77% | +0.80% |
| Emami Ltd. | Consumer Staples | 0.81% | ₹56.42 Cr | +0.62% | +0.33% | — |
| NTPC Ltd. | Energy | 0.80% | ₹55.66 Cr | +0.97% | +1.35% | +0.95% |
| Grasim Industries Ltd. | Materials | 0.73% | ₹50.57 Cr | +0.69% | +1.19% | +1.21% |
| Godrej Consumer Products Ltd. | Consumer Staples | 0.65% | ₹45.07 Cr | — | — | — |
| Tata Motors Ltd. | Automobile | 0.61% | ₹42.40 Cr | +0.56% | +0.36% | — |
| Bosch Ltd. | Automobile | 0.54% | ₹37.50 Cr | +0.81% | +1.55% | +1.80% |
| Greenpanel Industries Ltd. | Materials | 0.52% | ₹36.01 Cr | +0.63% | +0.67% | +0.90% |
| DLF Ltd. | Construction | 0.50% | ₹34.55 Cr | +0.26% | — | — |
| Sobha Ltd. | Construction | 0.49% | ₹34.25 Cr | +0.58% | +0.59% | +0.62% |
| KEC International Ltd. | Capital Goods | 0.48% | ₹33.36 Cr | +0.59% | +0.66% | +0.70% |
| V-Mart Retail Ltd. | Services | 0.37% | ₹25.42 Cr | +0.30% | +0.24% | +0.22% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.37% | ₹26.11 Cr | +0.25% | — | — |
| Bharat Heavy Electricals Ltd. | Capital Goods | 0.32% | ₹22.13 Cr | — | — | — |
| Lupin Ltd. | Healthcare | 0.31% | ₹21.88 Cr | +0.17% | +0.98% | +0.96% |
| Yatra Online Ltd. | Services | 0.26% | ₹18.09 Cr | +0.25% | +0.29% | +0.59% |
| Deepak Nitrite Ltd. | Chemicals | 0.25% | ₹17.49 Cr | +0.31% | +0.20% | +0.23% |
| Nestle India Ltd. | Consumer Staples | 0.21% | ₹14.97 Cr | +1.79% | +1.83% | +1.68% |
| Britannia Industries Ltd. | Consumer Staples | 0.19% | ₹13.13 Cr | — | — | — |
| company:1157 | Technology | 0.10% | ₹6.91 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:5765 | 0.00% | 1.20% | +1.20% |
| Titan Company Ltd. | 1.91% | 1.28% | -0.63% |
| Kotak Mahindra Bank Ltd. | 5.85% | 6.32% | +0.47% |
| Nestle India Ltd. | 0.65% | 0.21% | -0.44% |
| Ultratech Cement Ltd. | 0.68% | 0.99% | +0.31% |
| Bajaj Finserv Ltd. | 2.10% | 1.89% | -0.21% |
| Sterlite Technologies Ltd. | 1.67% | 1.46% | -0.21% |
| Bharti Airtel Ltd. | 2.67% | 2.47% | -0.20% |
| Godrej Consumer Products Ltd. | 0.46% | 0.65% | +0.19% |
| Axis Bank Ltd. | 2.81% | 2.99% | +0.18% |
| ITC Ltd. | 2.09% | 2.27% | +0.18% |
| Mahindra & Mahindra Financial Services Ltd. | 2.31% | 2.14% | -0.17% |
| HDFC Bank Ltd. | 7.90% | 7.74% | -0.16% |
| Bosch Ltd. | 0.70% | 0.54% | -0.16% |
| Glaxosmithkline Pharmaceuticals Ltd. | 1.04% | 1.20% | +0.16% |
| Jindal Steel Ltd. | 1.81% | 1.97% | +0.16% |
| GAIL (India) Ltd. | 1.04% | 0.89% | -0.15% |
| Tata Motors Ltd. | 0.75% | 0.61% | -0.14% |
| Reliance Industries Ltd. | 6.35% | 6.23% | -0.12% |
| Maruti Suzuki India Ltd. | 2.74% | 2.63% | -0.11% |
| Greenpanel Industries Ltd. | 0.63% | 0.52% | -0.11% |
| Eternal Ltd. | 1.30% | 1.41% | +0.11% |
| ICICI Bank Ltd. | 5.53% | 5.64% | +0.11% |
| Aurobindo Pharma Ltd. | 1.13% | 1.23% | +0.10% |
| Mahindra Lifespace Developers Ltd. | 1.50% | 1.40% | -0.10% |
| company:1157 | 0.00% | 0.10% | +0.10% |
| Britannia Industries Ltd. | 0.29% | 0.19% | -0.10% |
| VRL Logistics Ltd. | 0.74% | 0.84% | +0.10% |
| Tata Consultancy Services Ltd. | 4.22% | 4.31% | +0.09% |
| Info Edge (India) Ltd. | 0.08% | 0.00% | -0.08% |
| Oil And Natural Gas Corporation Ltd. | 1.73% | 1.66% | -0.07% |
| Grasim Industries Ltd. | 0.66% | 0.73% | +0.07% |
| HDFC Life Insurance Co Ltd. | 1.96% | 2.03% | +0.07% |
| Larsen & Toubro Ltd. | 2.25% | 2.32% | +0.07% |
| Bayer CropScience Ltd. | 1.07% | 1.01% | -0.06% |
| KEC International Ltd. | 0.54% | 0.48% | -0.06% |
| Poonawalla Fincorp Ltd. | 1.79% | 1.73% | -0.06% |
| Cipla Ltd. | 1.47% | 1.42% | -0.05% |
| United Breweries Ltd. | 0.91% | 0.86% | -0.05% |
| IDFC First Bank Ltd. | 1.69% | 1.73% | +0.04% |
| MAS Financial Services Ltd. | 0.91% | 0.87% | -0.04% |
| Sobha Ltd. | 0.53% | 0.49% | -0.04% |
| United Spirits Ltd. | 1.51% | 1.47% | -0.04% |
| V-Mart Retail Ltd. | 0.33% | 0.37% | +0.04% |
| NTPC Ltd. | 0.84% | 0.80% | -0.04% |
| Bharat Heavy Electricals Ltd. | 0.29% | 0.32% | +0.03% |
| DLF Ltd. | 0.47% | 0.50% | +0.03% |
| Emami Ltd. | 0.78% | 0.81% | +0.03% |
| Lupin Ltd. | 0.34% | 0.31% | -0.03% |
| Dr. Reddy's Laboratories Ltd. | 1.64% | 1.66% | +0.02% |
| Hero Motocorp Ltd. | 1.15% | 1.17% | +0.02% |
| Infosys Ltd. | 3.07% | 3.09% | +0.02% |
| Vedanta Aluminium Metal Ltd. | 0.39% | 0.37% | -0.02% |
| Deepak Nitrite Ltd. | 0.24% | 0.25% | +0.01% |
| Hindustan Unilever Ltd. | 1.42% | 1.41% | -0.01% |
| Avenue Supermarts Ltd. | 1.96% | 1.96% | 0.00% |
| ICICI Lombard General Insurance Company Ltd. | 1.74% | 1.74% | 0.00% |
| Others | 0.03% | 0.03% | 0.00% |
| Sun Pharmaceutical Industries Ltd. | 1.14% | 1.14% | 0.00% |
| The Ramco Cements Ltd. | 0.88% | 0.88% | 0.00% |
| Yatra Online Ltd. | 0.26% | 0.26% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,116 Cr | 2.39% | 10.2% | 9.0% | 14.7% |
 Motilal Oswal ELSS Tax Saver Fund | ₹5,134 Cr | 2.09% | 16.6% | 12.5% | 18.1% |
 HSBC ELSS Tax saver Fund | ₹4,229 Cr | 2.00% | 7.2% | 8.5% | 13.3% |
 WhiteOak Capital ELSS Tax Saver Fund | ₹507 Cr | 2.59% | 4.3% | 7.3% | — |
 ITI ELSS Tax Saver Fund | ₹463 Cr | 2.57% | 8.9% | 7.3% | 13.1% |
 JM ELSS - Tax Saver Fund | ₹248 Cr | 2.69% | 13.8% | 9.4% | 14.1% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to build a diversified portfolio comprising of stocks of companies with strong fundamentals that are available at reasonable valuations. The scheme can be fully into equities (and equity related securities) and upto 20% in debt & money market instruments.
Fund managers
- Daylynn Gerard Paul PintoMr. Pinto is a B.Com (H) and PGDM.Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he was associated with UTI AMC (Jul 2006-Sep 2016) as fund manager.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months7.05% absolute | ₹60,000 | ₹64,230 | 7.05% | |
| 1 year0.43% annualised | ₹1,20,000 | ₹1,20,280 | 0.23% | |
| 3 years8.16% annualised | ₹3,60,000 | ₹4,09,098 | 13.64% | |
| 5 years9.61% annualised | ₹6,00,000 | ₹7,72,579 | 28.76% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Bandhan ELSS - Tax Saver Fund?
The NAV of Bandhan ELSS - Tax Saver Fund is ₹150.61 as on 25 Sep 2026.
What is the expense ratio of Bandhan ELSS - Tax Saver Fund?
The expense ratio of Bandhan ELSS - Tax Saver Fund is 2.04% per year.
What is the minimum SIP amount for Bandhan ELSS - Tax Saver Fund?
You can start a SIP in Bandhan ELSS - Tax Saver Fund with ₹3,000 a month.
What returns has Bandhan ELSS - Tax Saver Fund given?
Bandhan ELSS - Tax Saver Fund has returned -2.6% over 1 year, 2.6% over 3 years and 8.3% over 5 years (annualised).
Is there a lock-in or exit load on Bandhan ELSS - Tax Saver Fund?
Lock-in: 3 years. Exit load: 0%.
How risky is Bandhan ELSS - Tax Saver Fund?
Bandhan ELSS - Tax Saver Fund is rated Very High on the SEBI riskometer and belongs to the ELSS category.
Which fund house manages Bandhan ELSS - Tax Saver Fund?
Bandhan ELSS - Tax Saver Fund is managed by Bandhan Mutual Fund, which runs 70 schemes with ₹2,06,009 Cr under management.