Bandhan ELSS - Tax Saver Fund is an ELSS fund run by Bandhan Mutual Fund. On 31-08-2026, it managed ₹6,965 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 9.7% a year and its Regular plan returned 8.5% a year. Its benchmark, BSE 500 TRI, returned 9.9% a year over the same 3 years.
NAV (Direct plan)
₹172.91
▲ 0.33% · 30-10-2026
NAV (Regular plan)
₹148.46
▲ 0.33% · 30-10-2026
Expense ratio
0.93%Direct2.00%Regular
0.93%
A year
Riskometer
Very High
Set by the fund house
3 year return
9.7%Direct8.5%Regular
9.7%
A year
Bandhan ELSS - Tax Saver Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹172.91 (up 0.33% that day); Regular Plan Growth ₹148.46 (up 0.33% that day).
This fund (Direct plan)
₹172.909
Bandhan ELSS - Tax Saver Fund Returns vs BSE 500 TRI
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
+0.23%
−4.45%
−0.81%
−4.14%
+9.74%
+10.10%
+14.61%
This fund (Regular)
+0.14%
−4.71%
−1.35%
−5.17%
+8.53%
+8.86%
+13.30%
BSE 500 TRI
−0.87%
−6.09%
−2.95%
−7.66%
+9.89%
+8.65%
+12.51%
ELSS average
−2.34%
−5.61%
−1.63%
−5.75%
+10.92%
+10.29%
+13.05%
Best in ELSS
+1.27%
−1.66%
+5.11%
+2.97%
+19.52%
+15.67%
+19.15%
Worst in ELSS
−8.36%
−10.02%
−7.36%
−11.32%
+2.93%
+5.27%
+9.91%
Rank in ELSS
9/50
16/50
16/50
12/50
28/49
24/43
6/27
Category rows compare the Direct plans of 50 ELSS funds. Rank 1 is the highest return.
Bandhan ELSS - Tax Saver Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
BSE 500 TRI
2026to date
−5.84%
−6.69%
−7.81%
2025
+9.16%
+7.97%
+7.63%
2024
+14.40%
+13.11%
+15.81%
2023
+29.77%
+28.30%
+26.55%
2022
+5.46%
+4.20%
+4.77%
2021
+50.88%
+49.20%
+31.63%
Bandhan ELSS - Tax Saver Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,675 periods, one for each trading day from 04-01-2016 to 30-10-2026.
−10%0%10%20%30%40%50%
Bandhan ELSS - Tax Saver Fund (Direct)
BSE 500 TRI
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
Bandhan ELSS - Tax Saver Fund (Direct)BSE 500 TRI
4%
2%
Below 0%
4%
4%
0-5%
5%
8%
5-10%
19%
37%
10-15%
30%
34%
15-20%
24%
12%
20-25%
14%
3%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
3,163
13.3%
−37.3%
120.0%
17%
11.3%
64%
2 years
2,921
17.8%
−20.4%
69.8%
10%
15.5%
74%
3 years
2,675
17.5%
−7.3%
43.1%
3%
14.9%
80%
5 years
2,182
17.8%
−1.8%
34.0%
0%
14.9%
90%
7 years
1,693
16.8%
8.7%
20.6%
0%
14.3%
100%
10 years
950
17.3%
13.8%
20.8%
0%
14.6%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
154
15.2%
−53.9%
104.3%
19%
12.7%
62%
2 years
142
17.0%
−33.3%
59.2%
11%
12.4%
65%
3 years
130
18.2%
−23.1%
39.9%
5%
14.9%
71%
5 years
106
18.9%
−8.8%
29.8%
3%
15.4%
83%
7 years
82
18.4%
−0.2%
24.0%
1%
15.5%
95%
10 years
46
17.7%
14.3%
20.6%
0%
15.3%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than BSE 500 TRI over the same days. Past returns do not promise future returns.
Bandhan ELSS - Tax Saver Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bandhan ELSS - Tax Saver Fund (Direct)This fund
BSE 500 TRI
Return (CAGR)
−4.14%
−7.66%
Standard deviation
12.70%
14.32%
Sharpe ratio
-0.74
-0.90
Sortino ratio
-1.00
-1.19
Maximum drawdown
−13.8%
(31-03-2026)
−14.8%
(30-03-2026)
Beta
0.87
1.00
Alpha
+1.82%
0.00%
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Bandhan ELSS - Tax Saver Fund (Direct)This fund
BSE 500 TRI
Return (CAGR)
+9.74%
+9.89%
Standard deviation
12.46%
14.19%
Sharpe ratio
0.30
0.27
Sortino ratio
0.41
0.37
Maximum drawdown
−17.7%
(04-03-2025)
−18.7%
(28-02-2025)
Beta
0.86
1.00
Alpha
+0.39%
0.00%
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Bandhan ELSS - Tax Saver Fund (Direct)This fund
BSE 500 TRI
Return (CAGR)
+10.10%
+8.65%
Standard deviation
13.49%
14.29%
Sharpe ratio
0.32
0.20
Sortino ratio
0.43
0.27
Maximum drawdown
−18.4%
(20-06-2022)
−18.7%
(28-02-2025)
Beta
0.92
1.00
Alpha
+1.68%
0.00%
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Bandhan ELSS - Tax Saver Fund (Direct)This fund
BSE 500 TRI
Return (CAGR)
+14.61%
+12.51%
Standard deviation
15.77%
16.03%
Sharpe ratio
0.58
0.44
Sortino ratio
0.78
0.59
Maximum drawdown
−42.6%
(23-03-2020)
−38.1%
(23-03-2020)
Beta
0.95
1.00
Alpha
+2.47%
0.00%
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Bandhan ELSS - Tax Saver Fund (Direct)This fund
BSE 500 TRI
Return (CAGR)
+15.94%
+12.82%
Standard deviation
15.44%
15.77%
Sharpe ratio
0.64
0.43
Sortino ratio
0.86
0.58
Maximum drawdown
−42.6%
(23-03-2020)
−38.1%
(23-03-2020)
Beta
0.93
1.00
Alpha
+3.58%
0.00%
From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−50%−40%−30%−20%−10%0%
Bandhan ELSS - Tax Saver Fund (Direct)
BSE 500 TRI
2014201620182020202220242026
Bandhan ELSS - Tax Saver Fund (Direct)BSE 500 TRI
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bandhan ELSS - Tax Saver Fund (Direct)
−42.6%
15-01-2018
23-03-2020
18-11-2020
8 months
−6.7%
BSE 500 TRI
−38.1%
17-01-2020
23-03-2020
06-11-2020
7 months
−9.4%
From the Direct plan's daily NAV since 02-01-2013, adjusted for unit splits, and BSE 500 TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Bandhan ELSS - Tax Saver Fund vs Other ELSS Funds
The five ELSS funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bandhan ELSS - Tax Saver Fund Expense Ratio and Costs
What each plan charges a year, in force from 21-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
ELSS median
Cost rank (1 = cheapest)
Direct
0.63%
0.06%
0.00%
0.24%
0.93%
1.11%
9/49
Regular
1.56%
0.06%
0.00%
0.38%
2.00%
1.96%
27/50
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the ELSS funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−5.17%
−4.14%
1.03%
₹94,830
₹95,860
3 years
8.53%
9.74%
1.21% a year
₹1,27,835
₹1,32,158
5 years
8.86%
10.10%
1.24% a year
₹1,52,877
₹1,61,784
10 years
13.30%
14.61%
1.31% a year
₹3,48,577
₹3,91,044
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Bandhan ELSS - Tax Saver Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBandhan ELSS - Tax Saver Fund (Direct)
₹16,60,000
₹51,28,163
₹34,68,163
15.1%
Regular planBandhan ELSS - Tax Saver Fund (Regular)
₹16,60,000
₹46,15,243
₹29,55,243
13.7%
BSE 500 TRI
₹16,60,000
₹42,30,102
₹25,70,102
12.6%
Category averageCategory average, 49 ELSS funds
₹16,60,000
₹47,55,907
₹30,95,907
14.1%
₹0₹20.0 L₹40.0 L₹60.0 L
Direct planBandhan ELSS - Tax Saver Fund (Direct)
Regular planBandhan ELSS - Tax Saver Fund (Regular)
BSE 500 TRI
Category averageCategory average, 49 ELSS funds
Amount invested
2014201620182020202220242026
Direct planBandhan ELSS - Tax Saver Fund (Direct)Regular planBandhan ELSS - Tax Saver Fund (Regular)BSE 500 TRICategory averageCategory average, 49 ELSS fundsAmount invested
From each plan's published NAV (Growth option), the benchmark's TRI and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bandhan ELSS - Tax Saver Fund Asset Allocation
Asset allocation as on 31-08-2026
What the fund holds
95.2%Equity
Asset
Fund
Category
Equity
95.2%
96.3%
Cash and others
4.8%
3.1%
Market cap of stocks
Market cap
Fund
Category
Large Cap
69.6%
47.5%
Mid Cap
15.8%
18.4%
Small Cap
9.7%
29.4%
Share of the whole fund. Category: the average of the ELSS funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Bandhan ELSS - Tax Saver Fund Sector Allocation
Sector allocation of the fund's stocks as on 31-08-2026
Largest sectors
Banks24.4%
IT - Software7.5%
Pharmaceuticals & Biotechnology7.0%
Finance6.6%
Petroleum Products6.2%
Insurance5.0%
Automobiles3.8%
Retailing3.7%
Diversified FMCG3.7%
Construction2.8%
The ten largest of 30 sectors. The other 20 add up to 24.4%.
Bandhan ELSS - Tax Saver Fund Portfolio Holdings
As on 31-08-2026 · 59 holdings · from the fund house's monthly portfolio
Holdings
Sector
Weight%
Holdings trend
1M change
HDFC Bank Limited
Banks
7.74%
Kotak Mahindra Bank Limited
Banks
6.32%
Reliance Industries Limited
Petroleum Products
6.23%
ICICI Bank Limited
Banks
5.64%
Tata Consultancy Services Limited
IT - Software
4.31%
Infosys Limited
IT - Software
3.09%
Axis Bank Limited
Banks
2.99%
Maruti Suzuki India Limited
Automobiles
2.63%
Bharti Airtel Limited
Telecom - Services
2.47%
Larsen & Toubro Limited
Construction
2.32%
ITC Limited
Diversified FMCG
2.27%
Mahindra & Mahindra Financial Services Limited
Finance
2.14%
HDFC Life Insurance Company Limited
Insurance
2.03%
Jindal Steel Limited
Ferrous Metals
1.97%
Avenue Supermarts Limited
Retailing
1.96%
Bajaj Finserv Limited
Finance
1.89%
ICICI Lombard General Insurance Company Limited
Insurance
1.74%
Poonawalla Fincorp Limited
Finance
1.73%
IDFC First Bank Limited
Banks
1.73%
Dr. Reddy's Laboratories Limited
Pharmaceuticals & Biotechnology
1.66%
Oil & Natural Gas Corporation Limited
Oil
1.66%
United Spirits Limited
Beverages
1.47%
Sterlite Technologies Limited
Telecom - Equipment & Accessories
1.46%
Cipla Limited
Pharmaceuticals & Biotechnology
1.42%
Hindustan Unilever Limited
Diversified FMCG
1.41%
Eternal Limited
Retailing
1.41%
Mahindra Lifespace Developers Limited
Realty
1.40%
Titan Company Limited
Consumer Durables
1.28%
Aurobindo Pharma Limited
Pharmaceuticals & Biotechnology
1.23%
Life Insurance Corporation Of India
Insurance
1.20%
GlaxoSmithKline Pharmaceuticals Limited
Pharmaceuticals & Biotechnology
1.20%
Hero MotoCorp Limited
Automobiles
1.17%
Sun Pharmaceutical Industries Limited
Pharmaceuticals & Biotechnology
1.14%
Bayer Cropscience Limited
Fertilizers & Agrochemicals
1.01%
UltraTech Cement Limited
Cement & Cement Products
0.99%
GAIL (India) Limited
Gas
0.89%
The Ramco Cements Limited
Cement & Cement Products
0.88%
Mas Financial Services Limited
Finance
0.87%
United Breweries Limited
Beverages
0.86%
VRL Logistics Limited
Transport Services
0.84%
Emami Limited
Personal Products
0.81%
NTPC Limited
Power
0.80%
Grasim Industries Limited
Cement & Cement Products
0.73%
Godrej Consumer Products Limited
Personal Products
0.65%
Tata Motors Ltd
Agricultural, Commercial & Construction Vehicles
0.61%
Bosch Limited
Auto Components
0.54%
Greenpanel Industries Limited
Consumer Durables
0.52%
DLF Limited
Realty
0.50%
Sobha Limited
Realty
0.49%
KEC International Limited
Construction
0.48%
V-Mart Retail Limited
Retailing
0.37%
Vedanta Aluminium Metal Limited
Non - Ferrous Metals
0.37%
Bharat Heavy Electricals Limited
Electrical Equipment
0.32%
Lupin Limited
Pharmaceuticals & Biotechnology
0.31%
Yatra Online Limited
Leisure Services
0.26%
Deepak Nitrite Limited
Chemicals & Petrochemicals
0.25%
Nestle India Limited
Food Products
0.21%
Britannia Industries Limited
Food Products
0.19%
Zensar Technologies Limited
IT - Software
0.10%
Bandhan ELSS - Tax Saver Fund Stocks Bought and Sold
August 2026 is the first month we hold for this fund, so there is no earlier month to compare it with.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bandhan ELSS - Tax Saver Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.93%
Expense ratio (Regular)
2.00%
Category
ELSS
Risk
Very High
Benchmark
BSE 500 TRI
Launch date
26-12-2008
Minimum investment
₹500
Minimum additional investment
₹500
AUM
₹6,964.87 Cr (31-08-2026)
Lock in
3 years
Scheme code (Direct)
118473
ISIN (Direct)
INF194K01Y29
Scheme code (Regular)
111569
ISIN (Regular)
INF194K01292
NAV history
From 02-01-2013, 13.8 years
Exit load
Nil
Tax on Bandhan ELSS - Tax Saver Fund returns
Bandhan ELSS - Tax Saver Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
Investing in it can be deducted from income under Section 80C, up to ₹1.5 lakh a year, in the old tax regime. Each investment is locked in for 3 years.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹172.909
30-10-2026
direct
IDCW
₹40.013
30-10-2026
regular
Growth
₹148.456
30-10-2026
regular
IDCW
₹29.985
30-10-2026
About Bandhan ELSS - Tax Saver Fund
Bandhan ELSS - Tax Saver Fund is a mutual fund from Bandhan Mutual Fund. Its category is ELSS. It was launched on 26-12-2008. Its benchmark is BSE 500 TRI. At the end of August 2026 it held 59 securities.
Fund Manager
Daylynn Pinto
Fund manager of Bandhan ELSS - Tax Saver Fund, since 20-10-2016
Frequently Asked Questions for Bandhan ELSS - Tax Saver Fund
What is the current NAV of Bandhan ELSS - Tax Saver Fund?
The Direct plan NAV is ₹172.909. The Regular plan NAV is ₹148.456, as on 30-10-2026.
What are the returns of Bandhan ELSS - Tax Saver Fund?
The Direct plan returned −4.14% in 1 year, +9.74% a year over 3 years, +10.10% a year over 5 years. The Regular plan returned −5.17% in 1 year, +8.53% a year over 3 years, +8.86% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Bandhan ELSS - Tax Saver Fund?
The Direct plan charges 0.93% a year. The Regular plan charges 2.00% a year. This is the figure the fund house reported to AMFI, in force from 21-10-2026.
What is the AUM of Bandhan ELSS - Tax Saver Fund?
Bandhan ELSS - Tax Saver Fund managed ₹6,964.87 Cr on 31-08-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bandhan ELSS - Tax Saver Fund?
At the end of August 2026 the largest holdings were HDFCBANK (7.74%), KOTAKBANK (6.32%), RELIANCE (6.23%), ICICIBANK (5.64%), TCS (4.31%). The fund held 59 securities in all.
How do I invest in Bandhan ELSS - Tax Saver Fund?
Through Bandhan Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹500. You can invest once or through a monthly SIP.
Who is the fund manager of Bandhan ELSS - Tax Saver Fund?
Daylynn Pinto (since 20-10-2016).
What is the exit load of Bandhan ELSS - Tax Saver Fund?
Nil
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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