ITI ELSS Tax Saver Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- 5-Year CAGR of 10.25% demonstrates steady long-term compounding.
- Downside capture of 141% indicates larger drops during broader market downturns.
- Experienced a maximum drawdown of -38.7% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +3.05% | +7.77% | -4.72% |
| 3 Months | -3.77% | +0.19% | -3.96% |
| 6 Months | +2.50% | +5.12% | -2.62% |
| 1 Year | -0.40% | +1.89% | -2.29% |
| 3 Years CAGR | +12.56% | +11.88% | +0.68% |
| 5 Years CAGR | +10.25% | +9.96% | +0.29% |
| 7 Years CAGR | +13.23% | +13.84% | -0.61% |
| Since Inception | +13.60% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in ITI ELSS Tax Saver Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +0.76% | +1.20% | -0.44% |
| 2025 | +2.55% | +3.57% | -1.02% |
| 2024 | +22.23% | +19.98% | +2.25% |
| 2023 | +36.52% | +27.84% | +8.68% |
| 2022 | +2.50% | +2.11% | +0.39% |
| 2021 | +19.00% | +32.16% | -13.16% |
| 2020 | +11.90% | +17.88% | -5.98% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -16.62% | +18.59% | +9.13% | +91.85% | 79.1% | 42.4% |
| 3-Year Rolling | +8.44% | +18.02% | +18.33% | +27.01% | 100.0% | 56.9% |
| 5-Year Rolling | +8.51% | +16.21% | +15.84% | +26.89% | 100.0% | 14.9% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-01-24 | 2020-03-23 | -38.7% | 2 months | 8 months |
| 2021-10-13 | 2022-06-20 | -23.9% | 8 months | 12 months |
| 2024-09-23 | 2025-02-28 | -23.2% | 5 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and Units issued by REITs, Equity related securities 80%-100%, Short Term Debt and Money Market Instruments 0%-20%. | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the Scheme is to provide long-term capital appreciation by investing predominantly in equity and equity related securities. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The scheme does not assure or guarantee any returns.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 447 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small 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 |
|---|---|---|---|---|---|---|
| Axis ELSS Tax Saver Fund | 5.6 | +11.83% | 1.73% | 93.8% | Rs 32,701 cr | Compare → |
| Invesco India ELSS Tax Saver Fund | 3.6 | +11.70% | 2.30% | 109.7% | Rs 2,732 cr | Compare → |
| Taurus ELSS Tax Saver Fund | 4.4 | +12.02% | 2.61% | 89.2% | Rs 74.9 cr | Compare → |
| BANDHAN ELSS Tax Saver Fund | 5.1 | +10.70% | 1.98% | 88.4% | Rs 7,106 cr | Compare → |
| CANARA ROBECO ELSS TAX SAVER FUND | 5.7 | +12.15% | 1.84% | 95.9% | Rs 8,844 cr | Compare → |
Frequently Asked Questions about ITI ELSS Tax Saver Fund
What is the expense ratio of ITI ELSS Tax Saver Fund?
ITI ELSS Tax Saver Fund has a total expense ratio (TER) of 2.6% with a base expense ratio of 2.1%, compared to the ELSS category median of 2.34%.
Who manages ITI ELSS Tax Saver Fund?
ITI ELSS Tax Saver Fund is managed by Alok Ranjan (tenure: 2.0 years since 2024-11-04).
What are the historical returns of ITI ELSS Tax Saver Fund?
ITI ELSS Tax Saver Fund delivered a 3-year CAGR of 12.56% and a 5-year CAGR of 10.25%. Its 1-year return stands at -0.40%.
How large is ITI ELSS Tax Saver Fund?
ITI ELSS Tax Saver Fund manages assets of Rs 447 cr, placing it in the 'small' size band relative to ELSS peers.
How is ITI ELSS Tax Saver Fund scored on MFIQ?
ITI ELSS Tax Saver Fund holds an MFIQ Score of 4.1/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is ITI ELSS Tax Saver Fund?
ITI ELSS Tax Saver Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 17.76% with a maximum historical drawdown of -38.71%.