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HDFC Tax Saver Fund - Growth

  • Regular
  • Direct
Category : ELSS
Fund House : HDFC Mutual Fund
  • NAV
    : ₹ 835.778 0.16%
    (as on 25th November, 2022)
Crisil Rank
Very good performance among peers
Risk-O-Meter
Very High

The fund has 95.46% investment in domestic equities of which 70.5% is in Large Cap stocks, 7.93% is in Mid Cap stocks, 3.68% 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.

Crisil Rank Change : Fund Crisil rank was updated from 4 to 5 in the previous quarter.

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Returns (NAV as on 25th November, 2022)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 18-Nov-22 10167.10 1.67% - 1.12% 3/59
1 Month 25-Oct-22 10366.50 3.67% - 2.12% 8/59
3 Month 25-Aug-22 10729.90 7.30% - 4.12% 3/58
6 Month 25-May-22 11925.60 19.26% - 16.70% 13/58
YTD 31-Dec-21 11279.30 12.79% - 4.39% 3/58
1 Year 25-Nov-21 11178.60 11.79% 11.79% 3.72% 1/58
2 Year 25-Nov-20 16664.30 66.64% 29.09% 25.32% 14/58
3 Year 25-Nov-19 16117.30 61.17% 17.23% 19.51% 35/58
5 Year 24-Nov-17 15232.60 52.33% 8.77% 11.03% 38/47
10 Year 23-Nov-12 36808.80 268.09% 13.90% 14.74% 17/28
Since Inception 02-Apr-96 835778.00 8257.78% 18.05% 13.98% 11/57

SIP Returns (NAV as on 25th November, 2022)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 25-Nov-21 12000 13631.79 13.6 % 26 %
2 Year 25-Nov-20 24000 30045.88 25.19 % 23.21 %
3 Year 25-Nov-19 36000 52691.21 46.36 % 26.34 %
5 Year 24-Nov-17 60000 91975.36 53.29 % 17.09 %
10 Year 23-Nov-12 120000 243619.01 103.02 % 13.56 %
 

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 Oct,2022)

Portfolio Turnover Ratio : 54.72%  |   Category average turnover ratio is 47.59%  
Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)
Equity Holding : 95.46% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.46%
No of Stocks : 36 (Category Avg - 46.31) | Large Cap Investments : 70.5%| Mid Cap Investments : 7.93% | Small Cap Investments : 3.68% | Other : 13.35%

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
ICICI Bank Ltd. Banks 9995.7 9.93% 0.05% 10.18% (Jul 2022) 9.27% (Mar 2022) 1.10 Cr 0.00
HDFC Bank Ltd. Banks 8980.2 8.92% 0.03% 9.28% (Jun 2022) 8.14% (Dec 2021) 60.00 L 0.00
State Bank Of India Banks 6311.8 6.27% 0.19% 6.27% (Oct 2022) 2.65% (Dec 2021) 1.10 Cr 0.00
Bharti Airtel Ltd. Telecom - services 6240 6.20% -0.05% 6.25% (Sep 2022) 3.85% (Dec 2021) 75.00 L 0.00
Hindustan Aeronautics Ltd. Airlines 5269.4 5.23% 0.14% 5.23% (Oct 2022) 0% (Nov 2021) 20.83 L 0.00
Mahindra & Mahindra Ltd. Passenger/utility vehicles 4989.8 4.96% 0.07% 4.96% (Oct 2022) 0% (Nov 2021) 37.00 L 0.00
Infosys Ltd. Computers - software 4766.7 4.74% 0.17% 9.55% (Dec 2021) 3.75% (Apr 2022) 31.00 L 0.00
HCL Technologies Limited Computers - software 4581.1 4.55% 0.27% 4.55% (Oct 2022) 1.75% (Jan 2022) 44.00 L 0.00
National Thermal Power Corporation Ltd. Power 4327.5 4.30% 0.14% 4.3% (Oct 2022) 1.79% (Dec 2021) 2.50 Cr 0.00
Cipla Ltd. Pharmaceuticals 4085.9 4.06% -0.01% 4.09% (Mar 2022) 1.82% (Dec 2021) 35.00 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
Name Type of Instrument Weight (%)
TREPS TREPS 2.84%
Reverse Repo Reverse Repo 1.75%
Net Receivables Net Receivables -0.05%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2022)

  • Standard Deviation

    High volatility
    20.75vs20.38
    Category Avg
  • Beta

    High volatility
    0.94vs0.89
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.54vs0.65
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.12vs0.15
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    0.39vs2.53
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Quant Tax Plan - Growth 5 2126.60 3.03 8.27 21.25 10.95 37.63
Parag Parikh Tax Saver Fund - Regular Plan - Growth 5 848.19 2.28 8.02 15.49 10.69 23.85
Tata India Tax Savings Fund - Regular Plan - Growth 3 3190.55 3.23 5.90 18.61 7.54 16.45
PGIM India ELSS Tax Saver Fund - Growth 4 437.12 3.16 5.81 15.58 6.75 19.50
SBI Long Term Equity Fund - Regular Plan - Growth 4 11599.86 3.68 5.72 19.35 6.47 18.65
IDFC Tax Advantage (ELSS) Fund - Regular Plan - Growth 5 3986.13 2.54 5.23 16.90 6.41 23.34
Kotak Tax Saver Fund - Growth 4 3062.89 2.86 5.52 18.00 6.34 18.67
Taurus Taxshield - Growth 2 63.44 2.88 6.85 13.85 6.29 13.94
Nippon India Tax Saver Fund - Growth 3 12051.94 3.80 5.08 17.03 6.02 14.60
Quantum Tax Saving Fund - Growth 3 112.95 4.00 4.42 14.77 5.78 15.30

More Funds from HDFC Mutual Fund

Out of 80 mutual fund schemes offered by this AMC, 5 is/are ranked 5 * , 11 is/are ranked 4 * , 16 is/are ranked 3 * , 3 is/are ranked 2 * , 2 is/are ranked 1 * , and 43 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
HDFC Balanced Advantage Fund - Growth 4 49708.91 3.79 6.67 16.68 16.83 17.46
HDFC Liquid Fund - Growth 3 48902.91 0.54 1.44 2.67 4.44 3.97
HDFC Mid-Cap Opportunities Fund - Growth 3 35120.40 3.07 5.46 23.03 11.73 24.44
HDFC Flexi Cap Fund - Growth 5 31685.93 4.53 8.42 21.80 18.22 20.25
HDFC Top 100 Fund - Growth 4 22709.44 4.78 6.18 17.59 11.02 15.18
HDFC Top 100 Fund - Growth 4 22709.44 4.39 4.65 16.19 5.80 16.53
HDFC Overnight Fund - Growth NA 22107.13 0.50 1.45 2.68 4.50 3.78
HDFC Overnight Fund - Growth NA 22107.13 0.48 1.40 2.57 4.28 3.57
HDFC Corporate Bond Fund - Growth 4 21472.51 0.81 1.28 3.06 2.90 6.18
HDFC Hybrid Equity Fund - Growth 4 19131.36 3.58 5.41 15.30 8.79 16.32

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