SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Outperformed category benchmark in 100% of historical 3-year rolling periods.
- Generated +2.4% annualized alpha (excess return) over its benchmark.
- Cost-efficient: expense ratio of 1.83% is lower than category median (2.34%).
- Over 34 years of operational history across different market cycles.
- Experienced a maximum drawdown of -61.5% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.30% | +7.77% | +0.53% |
| 3 Months | +0.06% | +0.19% | -0.13% |
| 6 Months | +2.57% | +5.12% | -2.55% |
| 1 Year | -1.50% | +1.89% | -3.39% |
| 3 Years CAGR | +14.22% | +11.88% | +2.34% |
| 5 Years CAGR | +13.53% | +9.96% | +3.57% |
| 7 Years CAGR | +17.28% | +13.84% | +3.44% |
| 10 Years CAGR | +14.18% | +13.83% | +0.35% |
| Since Inception | +12.36% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in SBI ELSS Tax Saver FUND compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -3.41% | +1.20% | -4.61% |
| 2025 | +6.60% | +3.57% | +3.03% |
| 2024 | +27.74% | +19.98% | +7.76% |
| 2023 | +40.00% | +27.84% | +12.16% |
| 2022 | +6.93% | +2.11% | +4.82% |
| 2021 | +31.04% | +32.16% | -1.12% |
| 2020 | +18.87% | +17.88% | +0.99% |
| 2019 | +4.00% | +9.89% | -5.89% |
| 2018 | -8.34% | -6.42% | -1.92% |
| 2017 | +33.02% | +37.59% | -4.57% |
| 2016 | +2.10% | +3.19% | -1.09% |
| 2015 | +3.20% | +3.80% | -0.60% |
| 2014 | +49.14% | +49.05% | +0.09% |
| 2013 | +7.04% | +7.15% | -0.11% |
| 2012 | +34.29% | +29.97% | +4.32% |
| 2011 | -23.50% | -23.37% | -0.13% |
| 2010 | +12.98% | +17.81% | -4.83% |
| 2009 | +86.41% | +73.74% | +12.67% |
| 2008 | -54.86% | -54.86% | 0.00% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -57.04% | +14.83% | +8.65% | +110.81% | 76.1% | 59.2% |
| 3-Year Rolling | -9.04% | +14.44% | +14.64% | +35.02% | 95.1% | 100.0% |
| 5-Year Rolling | -3.69% | +13.94% | +14.12% | +34.09% | 98.7% | 100.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-04 | 2009-03-09 | -61.5% | 14 months | 57 months |
| 2018-01-23 | 2020-03-23 | -39.1% | 26 months | 8 months |
| 2015-03-03 | 2016-02-12 | -20.4% | 11 months | 6 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity/Cumulative Convertible Preference Shares / Fully Convertible Debentures and Bonds | 80%-100% |
| Money market and other liquid instruments including units of domestic mutual funds | 0%-20% |
| Units issued by InvIts | 0%-10% |
| Gold and Silver instruments | 0%-20% |
Investment Objective & Strategy
The prime objective of this scheme is todeliver the benefit of investment in aportfolio of equity shares, while offeringdeduction on such investments made in thescheme under Section 80 C of the IncometaxAct, 1961. It also seeks to distributeincome periodically depending ondistributable surplus.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 32,287 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched 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 |
|---|---|---|---|---|---|---|
| DSP ELSS Tax Saver Fund | 7.1 | +14.38% | 1.77% | 95.9% | Rs 17,063 cr | Compare → |
| JM ELSS Tax Saver Fund | 4.3 | +15.05% | 2.66% | 102.1% | Rs 245 cr | Compare → |
| HSBC ELSS Tax saver Fund | 7.3 | +15.95% | 1.97% | 105.9% | Rs 4,144 cr | Compare → |
| BARODA BNP PARIBAS ELSS Tax Saver Fund | 7.2 | +14.56% | 2.44% | 99.2% | Rs 913 cr | Compare → |
| Motilal Oswal ELSS Tax Saver Fund | 5.8 | +18.09% | 2.07% | 124.4% | Rs 4,931 cr | Compare → |
Frequently Asked Questions about SBI ELSS Tax Saver FUND
What is the expense ratio of SBI ELSS Tax Saver FUND?
SBI ELSS Tax Saver FUND has a total expense ratio (TER) of 1.83% with a base expense ratio of 1.34%, compared to the ELSS category median of 2.34%.
Who manages SBI ELSS Tax Saver FUND?
SBI ELSS Tax Saver FUND is managed by Milind Agrawal (tenure: 0.9 years since 2026-01-01).
What are the historical returns of SBI ELSS Tax Saver FUND?
SBI ELSS Tax Saver FUND delivered a 3-year CAGR of 14.22% and a 5-year CAGR of 13.53%. Its 1-year return stands at -1.50%.
How large is SBI ELSS Tax Saver FUND?
SBI ELSS Tax Saver FUND manages assets of Rs 32,287 cr, placing it in the 'stretched' size band relative to ELSS peers.
How is SBI ELSS Tax Saver FUND scored on MFIQ?
SBI ELSS Tax Saver FUND holds an MFIQ Score of 6.7/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is SBI ELSS Tax Saver FUND?
SBI ELSS Tax Saver FUND has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 13.28% with a maximum historical drawdown of -61.50%.