BANDHAN ELSS - Tax Saver Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 97% of 3-year investment horizons.
- Cost-efficient: expense ratio of 1.98% is lower than category median (2.34%).
- Over 18 years of operational history across different market cycles.
- Experienced a maximum drawdown of -44.1% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.26% | +7.77% | +0.49% |
| 3 Months | +1.91% | +0.19% | +1.72% |
| 6 Months | +6.08% | +5.12% | +0.96% |
| 1 Year | +3.07% | +1.89% | +1.18% |
| 3 Years CAGR | +10.70% | +11.88% | -1.18% |
| 5 Years CAGR | +10.02% | +9.96% | +0.06% |
| 7 Years CAGR | +16.71% | +13.84% | +2.87% |
| 10 Years CAGR | +14.67% | +13.83% | +0.84% |
| Since Inception | +16.80% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in BANDHAN ELSS Tax Saver Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +0.86% | +1.20% | -0.34% |
| 2025 | +7.97% | +3.57% | +4.40% |
| 2024 | +13.11% | +19.98% | -6.87% |
| 2023 | +28.30% | +27.84% | +0.46% |
| 2022 | +4.20% | +2.11% | +2.09% |
| 2021 | +49.20% | +32.16% | +17.04% |
| 2020 | +18.70% | +17.88% | +0.82% |
| 2019 | +1.95% | +9.89% | -7.94% |
| 2018 | -9.40% | -6.42% | -2.98% |
| 2017 | +53.35% | +37.59% | +15.76% |
| 2016 | +0.42% | +3.19% | -2.77% |
| 2015 | +6.90% | +3.80% | +3.10% |
| 2014 | +42.21% | +49.05% | -6.84% |
| 2013 | +15.00% | +7.15% | +7.85% |
| 2012 | +36.22% | +29.97% | +6.25% |
| 2011 | -23.33% | -23.37% | +0.04% |
| 2010 | +23.96% | +17.81% | +6.15% |
| 2009 | +70.81% | +73.74% | -2.93% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -37.33% | +17.96% | +11.94% | +117.70% | 78.9% | 63.1% |
| 3-Year Rolling | -8.72% | +16.07% | +16.04% | +41.71% | 96.6% | 57.3% |
| 5-Year Rolling | -2.97% | +16.46% | +16.85% | +32.65% | 99.4% | 96.6% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2018-01-15 | 2020-03-23 | -44.1% | 26 months | 8 months |
| 2010-11-10 | 2011-12-20 | -29.7% | 13 months | 13 months |
| 2015-08-05 | 2016-02-29 | -22.8% | 7 months | 6 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & Equity related instruments | 80% - 100% Money Market and other liquid instruments : 0% - 20% Units issued by InvITs: 0% - 10% Mutual Fund Units (Overnight Fund, Money Market Fund & Liquid Fund): 05 - 20% |
Investment Objective & Strategy
The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 7,106 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to ELSS schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest ELSS Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Invesco India ELSS Tax Saver Fund | 3.6 | +11.70% | 2.30% | 109.7% | Rs 2,732 cr | Compare → |
| Quantum ELSS Tax Saver Fund | 4.2 | +10.50% | 2.18% | 79.0% | Rs 213 cr | Compare → |
| ITI ELSS Tax Saver Fund | 4.1 | +12.56% | 2.60% | 140.7% | Rs 447 cr | Compare → |
| BANK OF INDIA ELSS Tax Saver FUND | 4.4 | +11.88% | 2.34% | 108.5% | Rs 1,430 cr | Compare → |
| Axis ELSS Tax Saver Fund | 5.6 | +11.83% | 1.73% | 93.8% | Rs 32,701 cr | Compare → |
Frequently Asked Questions about BANDHAN ELSS Tax Saver Fund
What is the expense ratio of BANDHAN ELSS Tax Saver Fund?
BANDHAN ELSS Tax Saver Fund has a total expense ratio (TER) of 1.98% with a base expense ratio of 1.54%, compared to the ELSS category median of 2.34%.
Who manages BANDHAN ELSS Tax Saver Fund?
BANDHAN ELSS Tax Saver Fund is managed by Daylynn Pinto.
What are the historical returns of BANDHAN ELSS Tax Saver Fund?
BANDHAN ELSS Tax Saver Fund delivered a 3-year CAGR of 10.7% and a 5-year CAGR of 10.02%. Its 1-year return stands at +3.07%.
How large is BANDHAN ELSS Tax Saver Fund?
BANDHAN ELSS Tax Saver Fund manages assets of Rs 7,106 cr, placing it in the 'comfortable' size band relative to ELSS peers.
How is BANDHAN ELSS Tax Saver Fund scored on MFIQ?
BANDHAN ELSS Tax Saver Fund holds an MFIQ Score of 5.1/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is BANDHAN ELSS Tax Saver Fund?
BANDHAN ELSS Tax Saver Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 12.64% with a maximum historical drawdown of -44.11%.