SBI ELSS Tax Saver Fund

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

The SBI ELSS Tax Saver Fund is a 18 yrs 7 m old fund and has delivered average annual returns of 13.14% since inception. SBI ELSS Tax Saver Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.88% 22.28% 22.82% 15.13% 13.14%

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

The SBI ELSS Tax Saver Fund has an expense ratio of 1.57% , 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.

NAV as of Dec 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹448.7743+0.02% 1 day change	13.14% p.a.	App exclusive #NA View Ranked Funds	₹31,783 Cr

Historical NAV & returns

NAV: ₹448.7743 as on Dec 04, 2025

This fund Category average

SBI ELSS Tax Saver Fund overview

AUM (Fund size)	₹31,783 Cr
Exit load	0%
Lock-in Period	3 Years
Age	18 yrs 7 m since May 07, 2007
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹500
Expense ratio	1.57% as on Nov 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%

SBI 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 Dec 05, 2025

Period	This fund	Category average
1 Month	0.37%	0.61%
3 Months	3.96%	2.46%
6 Months	4.58%	2.77%
1 Year	2.88%	0.05%
2 Years	19.21%	12.59%
3 Years	22.28%	14.5%
4 Years	19.4%	13.04%
5 Years	22.82%	16.61%
7 Years	18.59%	14.05%
10 Years	15.13%	12.65%

View returns in detail

Asset allocationas on Oct 31, 2025

Large Cap 58.88%

Mid Cap 20.83%

Small Cap 13.79%

Other Cap 0%

Top holdings

HDFC Bank Ltd.8.88%

Reliance Industries Ltd.5.27%

Tata Steel Ltd.3.57%

ICICI Bank Ltd.3.14%

Top sectors

Financial 27.380000000000003%

Energy 13.399999999999999%

Metals & Mining 7.42%

Technology 7.129999999999999%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Reserve Bank of India 0.13%

Allocation by Instruments

Repo 6.44%

Treasury Bills 0.13%

Other Holdings

Others 6.44%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI ELSS Tax Saver Fund	0.37%	4.58%	2.88%	22.28%	22.82%	15.13%
HDFC ELSS Tax Saver Fund	-0.12%	5.95%	7.58%	19.92%	23.17%	14.45%
Parag Parikh ELSS Tax Saver Fund	-0.04%	2.28%	4.1%	15.97%	19.16%	12.28%
DSP ELSS Tax Saver Fund	1.05%	4.68%	3.85%	18.6%	20.62%	16.21%
Franklin India ELSS Tax Saver Fund	-0.69%	3.1%	0.89%	16.77%	19.83%	13.67%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI ELSS Tax Saver Fund	13.03	0.95	1.16	1.88
HDFC ELSS Tax Saver Fund	11.17	0.83	1.15	1.88
Parag Parikh ELSS Tax Saver Fund	9.38	0.66	0.98	1.52
DSP ELSS Tax Saver Fund	13.09	0.97	0.92	1.79
Franklin India ELSS Tax Saver Fund	12.54	0.94	0.84	1.23

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI ELSS Tax Saver Fund	N.A.	31,783 Cr	18 yrs 7 m	1.57%
HDFC ELSS Tax Saver Fund	N.A.	17,194 Cr	29 yrs 11 m	1.7%
Parag Parikh ELSS Tax Saver Fund	N.A.	5,791 Cr	6 yrs 5 m	1.72%
DSP ELSS Tax Saver Fund	N.A.	17,241 Cr	19 yrs	1.61%
Franklin India ELSS Tax Saver Fund	N.A.	6,788 Cr	26 yrs 8 m	1.81%

View all Elss funds

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

Alpha	6.7 vs. 5.55 Higher outperformance against benchmark
Sharpe	1.16 vs. 6.11 Poor risk-adjusted returns
Beta	0.95 vs. 0.94 More sensitive to market's ups & downs
Standard deviation	13.03 vs. 12.29 More volatile performance

Compare SBI ELSS Tax Saver Fund in detail with

About this fund

About SBI ELSS Tax Saver Fund

SBI ELSS Tax Saver Fund is a ELSS mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 18 yrs 7 m, having been launched on 07/05/2007. SBI ELSS Tax Saver Fund has ₹31,783 Crores worth of assets under management (AUM) as on 31/10/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI ELSS Tax Saver Fund as of 04/12/2025 is ₹448.77. The fund has an expense ratio of 1.57%, which is higher than what most other Elss funds charge.

SBI ELSS Tax Saver Fund returns of last 1-year are 2.38%. Since launch, it has delivered 16.81% average annual returns. The fund has doubled the money invested in it every 4 yrs.
SBI ELSS Tax Saver Fund scheme's ability to deliver returns consistently is higher than most funds of its category. Its ability to control losses in a falling market is high.
The fund has the majority of its money invested in Financial, Energy, Metals & Mining, Technology, Healthcare sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., Reliance Industries Ltd., Tata Steel Ltd., ICICI Bank Ltd., Cipla Ltd..

...

Fund AUM	31,783 Cr as on Oct 31, 2025
Scheme document	View Scheme Document

Fund managers

Dinesh Balachandran

Mr.Dinesh is a B.Tech from IIT-B, M.S. from MIT USA and CFA. Prior to joining SBI Funds Management Pvt. Ltd. he has worked with Fidelity Investments, USA.

Investment objective

The scheme seeks capital appreciation through investments in equities, cumulative convertible preference shares and fully convertible debentures and bonds. The scheme was converted into an open-ended plan in November 1999.

SBI Mutual Fund details

No. of schemes	72 view all schemes
Total AUM	12,07,585 Cr as on Sep 30, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

More funds from SBI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
SBI PSU Fund	N.A.	5,714 Cr	3.57%	29.6%
SBI Contra Fund	N.A.	49,218 Cr	2.42%	25.74%
SBI Infrastructure Fund	N.A.	4,788 Cr	-3.96%	24.74%
SBI Midcap Fund	N.A.	23,036 Cr	-0.94%	21.75%
SBI Large & Midcap Fund	N.A.	35,514 Cr	6.99%	20.87%

See all Equity funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the SBI ELSS Tax Saver Fund plan is approximately ₹448.7743 as of Dec 04, 2025.

What are the returns of this mutual fund scheme?

The SBI ELSS Tax Saver Fund is a 18 yrs 7 m old fund and has delivered average annual returns of 13.14% since inception.

SBI ELSS Tax Saver Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.88%	22.28%	22.82%	15.13%	13.14%

How much does this mutual fund charge as expense ratio?

The SBI ELSS Tax Saver Fund has an expense ratio of 1.57%, 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 SBI ELSS Tax Saver Fund currently has assets under management (AUM) or fund size valued at approximately 31,783 Cr as on Oct 31, 2025.

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

The SBI 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.	8.88%
Reliance Industries Ltd.	5.27%
Tata Steel Ltd.	3.57%
ICICI Bank Ltd.	3.14%
Cipla Ltd.	2.88%
ITC Ltd.	2.83%
Mahindra & Mahindra Ltd.	2.76%
State Bank of India	2.75%
Axis Bank Ltd.	2.51%
Kotak Mahindra Bank Ltd.	2.41%

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

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

Sector	Percentage of Portfolio
Financial	27.380000000000003%
Energy	13.399999999999999%
Metals & Mining	7.42%
Technology	7.129999999999999%
Healthcare	6.55%
Automobile	6.140000000000001%
Materials	5.1499999999999995%
Services	4.65%
Consumer Staples	4.220000000000001%
Communication	3.4%

What is risk level of SBI 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 SBI ELSS Tax Saver Fund?

Redeeming your investments in the SBI 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 Consistency: This fund is one of the best in generating consistent return in it's category.
Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst ELSS funds in the last 10 Years.
Chance: This fund has generated a 10.96% annual return in 70% of times for investors holding for at least 5 years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.