Tata ELSS - Tax Saver Fund
ELSSVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹45.91+0.04%1 day
- Return since launch
- 13.6%
- 52-week range
- ₹40.55 — ₹48.14
- AUM
- ₹4,747 Cr
Tata ELSS - Tax Saver Fund is a ELSS equity fund from Tata Mutual Fund with ₹4,747 Cr under management, launched in 2014. Over three years it has returned 6.2% a year, against 10.4% for its category. The expense ratio is 1.94% and the SEBI riskometer reading is Very High.
Performance
Tata 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 +5.0% 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% | +2.4 pts | 0.1% | -2.1% |
| 2Y | 3.9% | +3.2 pts | 0.7% | -0.3% |
| 3Y | 6.2% | −4.3 pts | 10.4% | 2.7% |
| 5Y | 10.6% | +0.8 pts | 9.7% | 8.4% |
| 7Y | 13.3% | +0.3 pts | 13.0% | 11.6% |
| 10Y | 13.0% | +0.5 pts | 12.5% | 11.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -4.4% | −1.0 pts | -3.5% | -3.6% |
| 3M | 0.0% | +0.6 pts | -0.6% | -1.0% |
| 6M | 10.3% | +1.0 pts | 9.2% | 8.2% |
| 1Y | 5.0% | +4.8 pts | 0.1% | -0.8% |
| 2Y | -1.4% | +1.9 pts | -3.3% | -3.9% |
| 3Y | 11.4% | +1.0 pts | 10.4% | 9.2% |
| 5Y | 10.4% | +0.7 pts | 9.7% | 8.7% |
| 7Y | 13.9% | −0.6 pts | 14.4% | 12.5% |
| 10Y | 12.6% | +0.1 pts | 12.5% | 10.9% |
Since launch (13 Oct 2014): 13.6%
Calendar-year returns
Category average11.9%
30.4%
5.8%
24.0%
19.3%
4.9%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 4.9% | +0.5 pts | 4.5% |
| 2024 | 19.3% | −1.0 pts | 20.3% |
| 2023 | 24.0% | −7.8 pts | 31.8% |
| 2022 | 5.8% | +2.4 pts | 3.5% |
| 2021 | 30.4% | −9.5 pts | 39.9% |
| 2020 | 11.9% | −6.8 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
1.93%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.60%
- Brokerage
- 0.02%
- Transaction charges
- 0.00%
- Statutory levies
- 0.31%
- Exit load
- 0%
- Lock-in
- 3 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY 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 | 1.06 | 4.67 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.99 | 1.08 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.51 | 0.67 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.66 | 0.90 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 15.49 | 17.94 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Tata ELSS - Tax Saver Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity96.3%
- Other3.7%
Market cap split
- Large60.3%
- Mid17.2%
- Small22.5%
- P/E
- 23.77
- P/B
- 3.40
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Bharti Airtel Ltd. | Communication | 5.44% | ₹258 Cr | +5.78% | — | +3.97% |
| ICICI Bank Ltd. | Financial | 5.02% | ₹238 Cr | +5.70% | +6.19% | +6.64% |
| HDFC Bank Ltd. | Financial | 4.79% | ₹228 Cr | +5.52% | +6.50% | +7.34% |
| State Bank of India | Financial | 4.56% | ₹216 Cr | +4.36% | +5.24% | +3.90% |
| Others | Others | 3.74% | ₹177 Cr | +2.84% | +5.34% | +4.56% |
| Reliance Industries Ltd. | Energy | 3.63% | ₹172 Cr | +3.95% | +4.03% | +4.10% |
| Samvardhana Motherson International Ltd. | Automobile | 3.24% | ₹154 Cr | +3.18% | +2.91% | +2.12% |
| PB Fintech Ltd. | Services | 3.22% | ₹153 Cr | +2.51% | +1.22% | — |
| Larsen & Toubro Ltd. | Construction | 3.00% | ₹142 Cr | +3.18% | +3.22% | +2.84% |
| Pricol Ltd. | Automobile | 2.85% | ₹135 Cr | +2.09% | +2.25% | +1.98% |
| Motilal Oswal Financial Services Ltd. | Financial | 2.70% | ₹128 Cr | +2.43% | +1.93% | — |
| Cummins India Ltd. | Capital Goods | 2.47% | ₹117 Cr | +3.00% | +2.41% | +1.97% |
| NTPC Ltd. | Energy | 2.38% | ₹113 Cr | +2.96% | +2.82% | +2.53% |
| SPR Auto Technologies Ltd. | Automobile | 2.14% | ₹101 Cr | +1.65% | +1.47% | +1.24% |
| City Union Bank Ltd. | Financial | 2.12% | ₹101 Cr | +1.87% | +2.00% | +1.45% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1.99% | ₹94.28 Cr | +1.89% | +1.77% | +1.69% |
| Infosys Ltd. | Technology | 1.95% | ₹92.53 Cr | +2.10% | +2.27% | +3.81% |
| Multi Commodity Exchange Of India Ltd. | Services | 1.92% | ₹91.26 Cr | +1.59% | +1.08% | — |
| Kei Industries Ltd. | Capital Goods | 1.75% | ₹83.23 Cr | +1.69% | +1.58% | +1.24% |
| Bajaj Finance Ltd. | Financial | 1.74% | ₹82.45 Cr | +1.57% | +1.66% | +2.10% |
| Ultratech Cement Ltd. | Materials | 1.69% | ₹80.15 Cr | +1.78% | +1.90% | +1.98% |
| Rainbow Children's Medicare Ltd. | Healthcare | 1.60% | ₹75.96 Cr | +1.64% | +1.37% | — |
| Hindalco Industries Ltd. | Metals & Mining | 1.59% | ₹75.43 Cr | +1.85% | +1.47% | +1.42% |
| Radico Khaitan Ltd. | Consumer Staples | 1.57% | ₹74.31 Cr | +1.29% | +0.94% | +1.15% |
| Graphite India Ltd. | Capital Goods | 1.48% | ₹70.26 Cr | +1.61% | +1.54% | +1.14% |
| Gravita India Ltd. | Metals & Mining | 1.48% | ₹70.44 Cr | +1.40% | +1.35% | +1.42% |
| Eternal Ltd. | Services | 1.41% | ₹66.93 Cr | +1.13% | +1.07% | — |
| Amber Enterprises India Ltd. | Consumer Discretionary | 1.36% | ₹64.38 Cr | +1.06% | +1.07% | — |
| Diamond Power Infrastructure Ltd. | Capital Goods | 1.32% | ₹62.73 Cr | — | — | — |
| Anant Raj Ltd. | Construction | 1.29% | ₹61.21 Cr | +1.15% | +1.15% | +1.17% |
| Indusind Bank Ltd. | Financial | 1.19% | ₹56.62 Cr | +1.13% | +1.14% | — |
| HCL Technologies Ltd. | Technology | 1.17% | ₹55.77 Cr | +1.11% | +1.26% | +1.66% |
| Bharat Electronics Ltd. | Capital Goods | 1.16% | ₹55.12 Cr | +1.21% | +1.36% | +1.18% |
| Dr. Lal Pathlabs Ltd. | Healthcare | 1.13% | ₹53.81 Cr | +0.99% | +0.83% | — |
| ICICI Prudential Asset Management Company Ltd. | Unclassified | 1.13% | ₹53.85 Cr | +1.38% | +1.27% | — |
| The Federal Bank Ltd. | Financial | 1.13% | ₹53.41 Cr | +1.67% | +1.68% | +1.54% |
| Healthcare Global Enterprises Ltd. | Healthcare | 1.11% | ₹52.92 Cr | +1.02% | +0.78% | — |
| SBI Life Insurance Company Ltd. | Insurance | 1.10% | ₹52.22 Cr | +1.22% | +1.31% | +1.21% |
| Kirloskar Pneumatic Company Ltd. | Capital Goods | 1.03% | ₹49.02 Cr | +1.20% | +0.85% | +0.93% |
| Coal India Ltd. | Materials | 1.02% | ₹48.61 Cr | +1.23% | +1.11% | +1.22% |
| GE Vernova T&D India Ltd | Capital Goods | 1.02% | ₹48.50 Cr | +1.24% | — | — |
| Brigade Enterprises Ltd. | Construction | 0.97% | ₹46.00 Cr | +0.76% | +0.78% | +1.09% |
| Billionbrains Garage Ventures Ltd. | Financial | 0.94% | ₹44.65 Cr | +0.80% | +0.35% | — |
| Interglobe Aviation Ltd. | Services | 0.94% | ₹44.49 Cr | +0.83% | +0.88% | — |
| SBI Funds Management Ltd. | Financial | 0.94% | ₹44.47 Cr | — | — | — |
| The Great Eastern Shipping Company Ltd. | Energy | 0.92% | ₹43.45 Cr | — | — | — |
| company:5765 | Insurance | 0.92% | ₹43.71 Cr | — | — | — |
| Power Finance Corporation Ltd. | Financial | 0.90% | ₹42.88 Cr | +1.21% | +1.13% | +1.08% |
| The Indian Hotels Company Ltd. | Services | 0.80% | ₹37.83 Cr | +0.74% | +0.47% | — |
| Abbott India Ltd. | Healthcare | 0.77% | ₹36.76 Cr | +0.85% | +0.81% | — |
| Tata Motors Ltd. | Automobile | 0.76% | ₹36.04 Cr | +0.64% | +0.83% | — |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.76% | ₹35.90 Cr | +0.22% | — | — |
| Kotak Mahindra Bank Ltd. | Financial | 0.59% | ₹27.89 Cr | — | — | — |
| Vedanta Ltd. | Metals & Mining | 0.48% | ₹22.95 Cr | +0.64% | +1.02% | — |
| Havells India Ltd. | Capital Goods | 0.47% | ₹22.39 Cr | +0.47% | — | — |
| company:20770 | Capital Goods | 0.34% | ₹15.91 Cr | — | — | — |
| Bank Of Baroda | Financial | 0.30% | ₹14.32 Cr | +0.48% | +0.55% | — |
| Gokaldas Exports Ltd. | Textiles | 0.27% | ₹12.73 Cr | — | — | — |
| PSP Projects Ltd. | Construction | 0.16% | ₹7.82 Cr | +0.07% | — | — |
| Laxmi Dental Ltd. | Healthcare | 0.12% | ₹5.48 Cr | +0.14% | +0.12% | +0.21% |
| company:20823 | Healthcare | 0.02% | ₹0.72 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:5765 | 0.00% | 0.92% | +0.92% |
| LG Electronics India Ltd. | 0.71% | 0.00% | -0.71% |
| Bharti Airtel Ltd. | 6.03% | 5.44% | -0.59% |
| Motilal Oswal Financial Services Ltd. | 2.25% | 2.70% | +0.45% |
| Pine Labs Ltd. | 0.44% | 0.00% | -0.44% |
| PB Fintech Ltd. | 2.80% | 3.22% | +0.42% |
| Others | 1.55% | 1.13% | -0.42% |
| Tata Steel Ltd. | 0.38% | 0.00% | -0.38% |
| Wakefit Innovations Ltd. | 0.37% | 0.00% | -0.37% |
| Multi Commodity Exchange Of India Ltd. | 1.55% | 1.92% | +0.37% |
| HDFC Bank Ltd. | 5.15% | 4.79% | -0.36% |
| Amber Enterprises India Ltd. | 1.00% | 1.36% | +0.36% |
| Pricol Ltd. | 2.51% | 2.85% | +0.34% |
| company:20770 | 0.00% | 0.34% | +0.34% |
| Power Finance Corporation Ltd. | 1.16% | 0.90% | -0.26% |
| Cummins India Ltd. | 2.72% | 2.47% | -0.25% |
| Kei Industries Ltd. | 1.55% | 1.75% | +0.20% |
| NTPC Ltd. | 2.57% | 2.38% | -0.19% |
| KEC International Ltd. | 0.18% | 0.00% | -0.18% |
| City Union Bank Ltd. | 1.95% | 2.12% | +0.17% |
| Bajaj Finance Ltd. | 1.91% | 1.74% | -0.17% |
| Reliance Industries Ltd. | 3.79% | 3.63% | -0.16% |
| Rainbow Children's Medicare Ltd. | 1.76% | 1.60% | -0.16% |
| Bank Of Baroda | 0.42% | 0.30% | -0.12% |
| Gravita India Ltd. | 1.36% | 1.48% | +0.12% |
| SBI Life Insurance Company Ltd. | 1.21% | 1.10% | -0.11% |
| Ultratech Cement Ltd. | 1.79% | 1.69% | -0.10% |
| Brigade Enterprises Ltd. | 0.87% | 0.97% | +0.10% |
| Eternal Ltd. | 1.32% | 1.41% | +0.09% |
| Abbott India Ltd. | 0.85% | 0.77% | -0.08% |
| SPR Auto Technologies Ltd. | 2.07% | 2.14% | +0.07% |
| Anant Raj Ltd. | 1.36% | 1.29% | -0.07% |
| Diamond Power Infrastructure Ltd. | 1.25% | 1.32% | +0.07% |
| Graphite India Ltd. | 1.41% | 1.48% | +0.07% |
| Healthcare Global Enterprises Ltd. | 1.04% | 1.11% | +0.07% |
| State Bank of India | 4.49% | 4.56% | +0.07% |
| HCL Technologies Ltd. | 1.23% | 1.17% | -0.06% |
| Kirloskar Pneumatic Company Ltd. | 1.09% | 1.03% | -0.06% |
| Samvardhana Motherson International Ltd. | 3.18% | 3.24% | +0.06% |
| Bayer CropScience Ltd. | 0.06% | 0.00% | -0.06% |
| Coal India Ltd. | 1.07% | 1.02% | -0.05% |
| The Great Eastern Shipping Company Ltd. | 0.97% | 0.92% | -0.05% |
| Bharat Electronics Ltd. | 1.11% | 1.16% | +0.05% |
| Hindalco Industries Ltd. | 1.55% | 1.59% | +0.04% |
| ICICI Prudential Asset Management Company Ltd. | 1.17% | 1.13% | -0.04% |
| Tata Motors Ltd. | 0.72% | 0.76% | +0.04% |
| Vedanta Aluminium Metal Ltd. | 0.80% | 0.76% | -0.04% |
| Sun Pharmaceutical Industries Ltd. | 2.03% | 1.99% | -0.04% |
| Billionbrains Garage Ventures Ltd. | 0.97% | 0.94% | -0.03% |
| Infosys Ltd. | 1.98% | 1.95% | -0.03% |
| Radico Khaitan Ltd. | 1.54% | 1.57% | +0.03% |
| SBI Funds Management Ltd. | 0.97% | 0.94% | -0.03% |
| Kotak Mahindra Bank Ltd. | 0.56% | 0.59% | +0.03% |
| Larsen & Toubro Ltd. | 2.97% | 3.00% | +0.03% |
| ICICI Bank Ltd. | 5.04% | 5.02% | -0.02% |
| Havells India Ltd. | 0.49% | 0.47% | -0.02% |
| Indusind Bank Ltd. | 1.21% | 1.19% | -0.02% |
| The Federal Bank Ltd. | 1.15% | 1.13% | -0.02% |
| company:20823 | 0.00% | 0.02% | +0.02% |
| Dr. Lal Pathlabs Ltd. | 1.14% | 1.13% | -0.01% |
| GE Vernova T&D India Ltd | 1.01% | 1.02% | +0.01% |
| Gokaldas Exports Ltd. | 0.28% | 0.27% | -0.01% |
| Laxmi Dental Ltd. | 0.13% | 0.12% | -0.01% |
| PSP Projects Ltd. | 0.15% | 0.16% | +0.01% |
| The Indian Hotels Company Ltd. | 0.81% | 0.80% | -0.01% |
| Vedanta Ltd. | 0.47% | 0.48% | +0.01% |
| Interglobe Aviation Ltd. | 0.94% | 0.94% | 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 provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation.
Fund managers
- Sailesh JainMr. Jain is a Commerce Graduate and an MBA.Prior to joining TATA Mutual Fund, he has worked with Invesco Mutual Fund, IDFC Securities Ltd. as Head Derivatives, Quant Broking Pvt Ltd. as Vice President and IIFL(India Infoline) as Vice President.
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 months10.25% absolute | ₹60,000 | ₹66,150 | 10.25% | |
| 1 year4.96% annualised | ₹1,20,000 | ₹1,23,273 | 2.73% | |
| 3 years11.45% annualised | ₹3,60,000 | ₹4,31,233 | 19.79% | |
| 5 years10.39% annualised | ₹6,00,000 | ₹7,89,179 | 31.53% |
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 Tata ELSS - Tax Saver Fund?
The NAV of Tata ELSS - Tax Saver Fund is ₹45.91 as on 25 Sep 2026.
What is the expense ratio of Tata ELSS - Tax Saver Fund?
The expense ratio of Tata ELSS - Tax Saver Fund is 1.94% per year.
What is the minimum SIP amount for Tata ELSS - Tax Saver Fund?
You can start a SIP in Tata ELSS - Tax Saver Fund with ₹3,000 a month.
What returns has Tata ELSS - Tax Saver Fund given?
Tata ELSS - Tax Saver Fund has returned 2.6% over 1 year, 6.2% over 3 years and 10.6% over 5 years (annualised).
Is there a lock-in or exit load on Tata ELSS - Tax Saver Fund?
Lock-in: 3 years. Exit load: 0%.
How risky is Tata ELSS - Tax Saver Fund?
Tata ELSS - Tax Saver Fund is rated Very High on the SEBI riskometer and belongs to the ELSS category.
Which fund house manages Tata ELSS - Tax Saver Fund?
Tata ELSS - Tax Saver Fund is managed by Tata Mutual Fund, which runs 61 schemes with ₹2,31,388 Cr under management.