Bandhan ELSS Tax Saver Fund

Q: What are the returns of this mutual fund scheme?

The Bandhan ELSS Tax Saver Fund is a 16 yrs 10 m old fund and has delivered average annual returns of 17.74% since inception. Bandhan ELSS Tax Saver Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 4.9% 15.91% 23.55% 15.13% 17.74%

Q: How much does this mutual fund charge as expense ratio?

The Bandhan ELSS Tax Saver Fund has an expense ratio of 1.74% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Previously called: Bandhan Tax Advantage (ELSS) Reg-G

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹156.183+0.51% 1 day change	17.74% p.a.	App exclusive #NA View Ranked Funds	₹6,948 Cr

Historical NAV & returns

NAV: ₹156.183 as on Oct 20, 2025

This fund Category average

Bandhan ELSS Tax Saver Fund overview

AUM (Fund size)	₹6,948 Cr
Exit load	0%
Lock-in Period	3 Years
Age	16 yrs 10 m since Dec 01, 2008
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.74% as on Sep 30, 2025
Plan type	Regular
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Bandhan ELSS Tax Saver Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	3.09%	2.66%
3 Months	3.65%	2.85%
6 Months	8.1%	8.76%
1 Year	4.9%	4.9%
2 Years	16.39%	19.82%
3 Years	15.91%	17.64%
4 Years	12.43%	12.86%
5 Years	23.55%	21.07%
7 Years	17.6%	16.96%
10 Years	15.13%	14.02%

View returns in detail

Asset allocationas on Sep 30, 2025

Large Cap 69.59%

Mid Cap 12.68%

Small Cap 13.54%

Other Cap 0%

Top holdings

HDFC Bank Ltd.7.8%

Reliance Industries Ltd.6.48%

ICICI Bank Ltd.4.85%

Kotak Mahindra Bank Ltd.4.02%

Top sectors

Financial 29.429999999999996%

Technology 9.510000000000002%

Energy 9.450000000000001%

Automobile 7.68%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 0.03%

Allocation by Instruments

Reverse Repo 4.28%

Margin Money 0.03%

Other Holdings

Others 4.28%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan ELSS Tax Saver Fund	3.09%	8.1%	4.9%	15.91%	23.55%	15.13%
HDFC ELSS Tax Saver Fund	2.47%	8.79%	9.35%	22.09%	25.9%	14.26%
SBI ELSS Tax Saver Fund	3.2%	7.93%	3.95%	24.32%	25.51%	14.57%
Parag Parikh ELSS Tax Saver Fund	2.05%	7.22%	7.52%	17.77%	21.39%	12.56%
DSP ELSS Tax Saver Fund	2.84%	6.04%	4.91%	19.91%	23.36%	15.98%
Franklin India ELSS Tax Saver Fund	2.89%	6.71%	3.76%	18.69%	23.51%	13.37%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan ELSS Tax Saver Fund	11.61	0.86	0.75	1.11
HDFC ELSS Tax Saver Fund	11.34	0.84	1.26	2.08
SBI ELSS Tax Saver Fund	13.2	0.96	1.24	2.04
Parag Parikh ELSS Tax Saver Fund	9.75	0.68	1.12	1.75
DSP ELSS Tax Saver Fund	13.17	0.97	0.95	1.87
Franklin India ELSS Tax Saver Fund	12.69	0.94	0.92	1.35

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan ELSS Tax Saver Fund	N.A.	6,948 Cr	16 yrs 10 m	1.74%
HDFC ELSS Tax Saver Fund	N.A.	16,645 Cr	29 yrs 10 m	1.7%
SBI ELSS Tax Saver Fund	N.A.	30,420 Cr	18 yrs 5 m	1.58%
Parag Parikh ELSS Tax Saver Fund	N.A.	5,639 Cr	6 yrs 3 m	1.72%
DSP ELSS Tax Saver Fund	N.A.	16,749 Cr	18 yrs 10 m	1.63%
Franklin India ELSS Tax Saver Fund	N.A.	6,531 Cr	26 yrs 6 m	1.81%

View all Elss funds

Key risk & return ratios Compared to other funds in the category

Alpha	0.47 vs. 5.52 Underperformed at beating benchmark
Sharpe	0.75 vs. 6.2 Poor risk-adjusted returns
Beta	0.86 vs. 0.95 Less sensitive to market ups & downs
Standard deviation	11.61 vs. 12.08 More stable returns

Compare Bandhan ELSS Tax Saver Fund in detail with

About this fund

About Bandhan ELSS Tax Saver Fund

Bandhan ELSS Tax Saver Fund is a ELSS mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 16 yrs 10 m, having been launched on 01/12/2008. Bandhan ELSS Tax Saver Fund has ₹6,948 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan ELSS Tax Saver Fund as of 20/10/2025 is ₹156.18. The fund has an expense ratio of 1.74%, which is higher than what most other Elss funds charge.

Bandhan ELSS Tax Saver Fund returns of last 1-year are 0.54%. Since launch, it has delivered 17.74% average annual returns. The fund has doubled the money invested in it every 5 yrs.
Bandhan ELSS Tax Saver Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund has the majority of its money invested in Financial, Technology, Energy, Automobile, Consumer Staples sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., Reliance Industries Ltd., ICICI Bank Ltd., Kotak Mahindra Bank Ltd., Tata Consultancy Services Ltd..

...

Fund AUM	6,948 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Daylynn Gerard Paul Pinto

Mr. 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.

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.

Bandhan Mutual Fund details

No. of schemes	68 view all schemes
Total AUM	1,87,716 Cr as on Sep 30, 2025
Address	One World Centre, 6th Floor, Tower 1C, Senapati Bapat Marg, Prabhadevi Mumbai, 400013

More funds from Bandhan Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Bandhan Infrastructure Fund	N.A.	1,615 Cr	-0.25%	32.53%
Bandhan Small Cap Fund	N.A.	15,738 Cr	7.3%	30.75%
Bandhan Value Fund	N.A.	9,942 Cr	2.64%	27.23%
Bandhan Large & Mid Cap Fund	N.A.	10,818 Cr	8.51%	25.7%
Bandhan Flexi Cap Fund	N.A.	7,384 Cr	7.75%	19.02%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan ELSS Tax Saver Fund?

The current Net Asset Value (NAV) of the Bandhan ELSS Tax Saver Fund plan is approximately ₹156.183 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bandhan ELSS Tax Saver Fund is a 16 yrs 10 m old fund and has delivered average annual returns of 17.74% since inception.

Bandhan ELSS Tax Saver Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
4.9%	15.91%	23.55%	15.13%	17.74%

How much does this mutual fund charge as expense ratio?

The Bandhan ELSS Tax Saver Fund has an expense ratio of 1.74%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Bandhan ELSS Tax Saver Fund currently has assets under management (AUM) or fund size valued at approximately 6,948 Cr as on Sep 30, 2025.

What are the top stock holdings of Bandhan ELSS Tax Saver Fund?

The Bandhan ELSS Tax Saver Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	7.8%
Reliance Industries Ltd.	6.48%
ICICI Bank Ltd.	4.85%
Kotak Mahindra Bank Ltd.	4.02%
Tata Consultancy Services Ltd.	3.95%
Axis Bank Ltd.	3.09%
State Bank of India	3.0%
Infosys Ltd.	2.8%
Hero Motocorp Ltd.	2.56%
Bharti Airtel Ltd.	2.43%

What are the top sectors Bandhan ELSS Tax Saver Fund has invested in?

The Bandhan ELSS Tax Saver Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	29.429999999999996%
Technology	9.510000000000002%
Energy	9.450000000000001%
Automobile	7.68%
Consumer Staples	6.89%
Healthcare	5.55%
Materials	4.18%
Insurance	3.92%
Metals & Mining	3.8499999999999996%
Services	3.7800000000000002%

What is risk level of Bandhan ELSS Tax Saver Fund?

This is a Elss fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 3 years.

How can I redeem my investments in Bandhan ELSS Tax Saver Fund?

Redeeming your investments in the Bandhan ELSS Tax Saver Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in ELSS

#NA

Return Outperformance: This fund has generated highest return amongst ELSS funds in the last 10 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.