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HDFC Tax Saver Fund - Growth

  • Regular
  • Direct
Category : ELSS
Fund House : HDFC Mutual Fund
  • NAV
    : ₹ 753.312 -0.69%
    (as on 19th January, 2022)
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Crisil Rank
Relatively weak performance among peers
Risk-O-Meter
Very High

Fund has 97.6% investment in indian stocks of which 57.61% is in large cap stocks, 17.32% is in mid cap stocks, 8.42% in small cap stocks.

Suitable For : Investors who are looking to invest money for at least 3 years and looking for additional benefits of income tax saving apart from higher returns expectations. At the same time, these investors should also be ready for possibility of moderate losses in their investments and 3 year lock-in period.

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Returns (NAV as on 19th January, 2022)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 12-Jan-22 9851.70 -1.48% - -0.98% 49/61
1 Month 17-Dec-21 10407.50 4.08% - 6.71% 55/61
3 Month 19-Oct-21 9850.30 -1.50% - 1.10% 42/61
6 Month 19-Jul-21 11433.40 14.33% - 14.68% 23/61
YTD 31-Dec-21 10166.40 1.66% - 4.22% 55/61
1 Year 19-Jan-21 13178.60 31.79% 31.79% 39.05% 38/61
2 Year 17-Jan-20 14339.30 43.39% 19.66% 28.09% 49/61
3 Year 18-Jan-19 15147.80 51.48% 14.82% 22.33% 53/58
5 Year 19-Jan-17 17566.10 75.66% 11.92% 17.06% 44/45
10 Year 19-Jan-12 36719.90 267.20% 13.88% 16.81% 29/29
Since Inception 02-Apr-96 753312.00 7433.12% 18.22% 15.81% 15/59

SIP Returns (NAV as on 19th January, 2022)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 19-Jan-21 12000 14016.95 16.81 % 32.39 %
2 Year 17-Jan-20 24000 34399.62 43.33 % 38.83 %
3 Year 18-Jan-19 36000 52353.53 45.43 % 25.84 %
5 Year 19-Jan-17 60000 88518.45 47.53 % 15.53 %
10 Year 19-Jan-12 120000 243050.32 102.54 % 13.51 %
 

Tax Treatment

You can not sell your investments in this fund for 3 years from the purchase date. Long term capital gain tax will be applicable when you sell your investments after 3 years. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh in a financial year. Any cess/surcharge is not included. However, you can claim a deduction on your taxable income under section 80c for your investments in this fund. (Current tax deductions are capped at 1.5 lakh per year).

Portfolio (Updated on 31st Dec,2021)

Portfolio Turnover Ratio : 18.00%  |   Category average turnover ratio is 73.78%  
Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)
Equity Holding : 97.60% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 97.60%
No of Stocks : 57 (Category Avg - 48.91) | Large Cap Investments : 57.61%| Mid Cap Investments : 17.32% | Small Cap Investments : 8.42% | Other : 14.25%

Top 10 Stocks in Portfolio

How to read this table?
Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
Infosys Ltd. Computers - software 8980 9.55% 0.75% 9.55% (Dec 2021) 8.4% (Oct 2021) 47.57 L 0.00
ICICI Bank Ltd. Banks 8917.9 9.49% 0.19% 10.23% (Oct 2021) 8.66% (Jun 2021) 1.20 Cr 0.00
HDFC Bank Ltd. Banks 7652.3 8.14% -0.21% 9.74% (Feb 2021) 8.14% (Dec 2021) 51.73 L 0.00
Reliance Industries Ltd. Refineries/marketing 4033.4 4.29% -0.14% 5.58% (Feb 2021) 4.04% (Jul 2021) 17.03 L 0.00
Bharti Airtel Ltd. Telecom - services 3623.9 3.85% -0.32% 4.37% (Jan 2021) 3.67% (Jun 2021) 53.00 L 0.00
Axis Bank Ltd. Banks 2603 2.77% 0.05% 3.48% (Apr 2021) 2.72% (Nov 2021) 38.36 L 0.00
State Bank Of India Banks 2492.5 2.65% -0.04% 2.94% (Feb 2021) 2.25% (Jan 2021) 54.13 L 0.00
Larsen & Toubro Ltd. Engineering, designing, construction 2415.8 2.57% 0.45% 2.57% (Dec 2021) 1.89% (Apr 2021) 12.74 L 1.61 L
Hindustan Unilever Ltd. Diversified 2229.2 2.37% 0.01% 2.9% (Jan 2021) 2.36% (Nov 2021) 9.45 L 0.00
Persistent Systems Ltd. Computers - software 2134.6 2.27% 0.09% 2.31% (Jul 2021) 1.32% (Jan 2021) 4.35 L -0.52 L
- indicates change in weight in the portfolio. # indicates a new entry.
Name Type of Instrument Weight (%)
TREPS TREPS 1.94%
Reverse Repo Reverse Repo 0.55%
Net Receivables Net Receivables -0.09%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st December, 2021)

  • Standard Deviation

    High volatility
    20.6vs19.31
    Category Avg
  • Beta

    High volatility
    0.97vs0.88
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.56vs0.85
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.12vs0.19
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -3.79vs2.5
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Sundaram Tax Saving Fund - Growth (Adjusted NAV) NA 933.92 74.46 65.08 94.47 118.00 44.61
Quant Tax Plan - Growth 5 658.11 5.83 1.32 12.72 56.10 36.35
IDFC Tax Advantage (ELSS) Fund - Regular Plan - Growth 5 3532.70 7.34 0.85 15.86 47.64 24.26
BOI AXA Tax Advantage Fund - Regular Plan - Growth 5 552.46 4.24 -2.64 10.87 38.63 29.65
Mahindra Manulife ELSS Kar Bachat Yojana - Regular Plan - Growth 4 429.44 6.30 -0.04 14.04 38.15 20.40
PGIM India ELSS Tax Saver Fund - Growth 4 342.34 7.56 3.77 16.42 37.12 22.11
Nippon India Tax Saver Fund - Growth 1 12023.75 6.29 -1.55 15.03 36.74 13.86
Baroda ELSS - 96 - Plan A - Growth 4 216.70 4.79 -2.73 16.68 36.11 20.88
Union Long Term Equity Fund - Growth 5 464.37 4.34 -1.57 14.21 34.36 23.06
Franklin India Taxshield Fund - Growth 2 5000.07 5.59 -1.10 13.85 34.03 18.23

More Funds from HDFC Mutual Fund

Out of 91 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 8 is/are ranked 4 * , 11 is/are ranked 3 * , 9 is/are ranked 2 * , 4 is/are ranked 1 * , and 56 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
HDFC Liquid Fund - Growth 2 53137.01 0.28 0.85 1.66 3.25 4.53
HDFC Balanced Advantage Fund - Growth 4 41282.13 4.94 -0.66 9.45 26.36 14.93
HDFC Mid-Cap Opportunities Fund - Growth 2 31441.67 5.99 -0.64 11.82 40.19 21.68
HDFC Corporate Bond Fund - Growth 4 28108.67 -0.22 0.59 1.92 4.04 8.44
HDFC Flexi Cap Fund - Growth 2 26628.02 7.17 -0.24 14.90 35.34 17.59
HDFC Floating Rate Debt Fund -Growth 3 23584.18 0.27 0.56 1.85 4.27 7.15
HDFC Top 100 Fund - Growth 1 20965.66 6.28 -2.06 13.27 26.56 15.05
HDFC Top 100 Fund - Growth 1 20965.66 5.44 -2.28 14.06 25.64 19.16
HDFC Low Duration Fund - Retail - Growth 3 19526.67 0.26 0.66 1.72 3.76 6.48
HDFC Hybrid Equity Fund - Growth (Adjusted NAV) NA 18447.88 3.98 -0.36 9.03 24.72 16.32

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