Navi ELSS Tax Saver Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : ELSS

Fund House : Essel Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 28.9554 -0.35%
(as on 24th October, 2025)

Crisil Rating

Relatively weak performance among peers

Fund Size

: ₹ 52.01 Cr

(0.02% of Investment in Category)

Expense Ratio

: 2.29%

(1.87% Category average)

Risk-O-Meter

Very High Risk

ELSS :ELSS : The fund has 98.02% investment in domestic equities of which 45.61% is in Large Cap stocks, 16.26% is in Mid Cap stocks, 12.67% 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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This Scheme

VS

Benchmark
BSE 100 TRI

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12.74%
NA
1.51%

0.88%

7.53%

2.79%

18.76%

21.85%

15%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 23rd October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	16-Oct-25	10136.20	1.36%	-	0.74%	3/56
1 Month	23-Sep-25	10144.50	1.44%	-	1.25%	30/57
3 Month	23-Jul-25	10039.40	0.39%	-	0.68%	35/57
6 Month	23-Apr-25	10355.30	3.55%	-	7.60%	56/57
YTD	01-Jan-25	10168.80	1.69%	-	3.80%	41/56
1 Year	23-Oct-24	10004.60	0.05%	0.05%	2.71%	47/56
2 Year	23-Oct-23	12628.20	26.28%	12.36%	18.97%	55/56
3 Year	21-Oct-22	14390.80	43.91%	12.86%	18.00%	52/53
5 Year	23-Oct-20	20641.70	106.42%	15.59%	21.92%	49/52
Since Inception	30-Dec-15	29057.70	190.58%	11.47%	15.00%	52/57

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 23rd October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	23-Oct-24	12000	12369.34	3.08 %	5.74 %
2 Year	23-Oct-23	24000	25485.72	6.19 %	5.88 %
3 Year	21-Oct-22	36000	42046.29	16.8 %	10.33 %
5 Year	23-Oct-20	60000	80059.71	33.43 %	11.47 %

SIP Calculator Detailed Returns Analysis

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 12.5%, if your total long term capital gain exceeds 1.25 lakhs 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 30th Sep,2025)

Equity Holding : 98.02% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.02%

No of Stocks : 47 (Category Avg - 53.58) | Large Cap Investments : 45.61%| Mid Cap Investments : 16.26% | Small Cap Investments : 12.67% | Other : 23.48%

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
Reliance Industries Ltd.	Refineries & marketing	25.3	4.86%	0.08%	4.89% (Jun 2025)	3.72% (Dec 2024)	18.54 k	0.00
Axis Bank Ltd.	Private sector bank	22.1	4.24%	0.37%	4.24% (Sep 2025)	2.37% (Dec 2024)	19.50 k	0.00
UPL Ltd.	Pesticides & agrochemicals	19.9	3.83%	0.16%	3.83% (Sep 2025)	2.23% (Dec 2024)	30.38 k	3.38 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	18.8	3.61%	0.02%	4.2% (Dec 2024)	2.8% (Jan 2025)	10.00 k	0.00
ICICI Bank Ltd.	Private sector bank	18.3	3.53%	-0.08%	3.73% (Jul 2025)	2.82% (Oct 2024)	13.61 k	0.00
State Bank Of India	Public sector bank	18.3	3.52%	0.32%	3.52% (Sep 2025)	2.75% (Feb 2025)	21.00 k	0.00
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	16.7	3.22%	0.04%	3.45% (Apr 2025)	3% (Nov 2024)	10.50 k	0.00
Ashok Leyland Ltd.	Commercial vehicles	16.5	3.16%	0.38%	3.16% (Sep 2025)	1.92% (Oct 2024)	1.15 L	0.00
CreditAccess Grameen Ltd.	Microfinance institutions	16.2	3.12%	-0.07%	3.19% (Aug 2025)	1.73% (Nov 2024)	12.00 k	0.00
HDFC Bank Ltd.	Private sector bank	16.2	3.11%	0.04%	6.3% (Dec 2024)	2.05% (Jan 2025)	17.00 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.98%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

10.62vs11.71

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.87vs0.92

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.59vs0.92

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.07vs0.12

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-0.94vs1.08

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
HDFC ELSS Tax saver - Growth	5	16644.54	1.29	3.23	6.96	8.16	22.34
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	4	25910.64	2.79	2.63	9.98	7.89	18.22
WhiteOak Capital ELSS Tax Saver Fund - Regular Plan - Growth	NA	414.27	1.86	0.92	8.03	6.62	20.51
Parag Parikh ELSS Tax Saver Fund - Regular Plan - Growth	4	5638.79	0.68	1.55	5.73	6.42	17.93
Aditya Birla Sun Life ELSS Tax Saver Fund - Regular Plan - Growth	3	15174.87	2.37	2.39	10.36	6.37	15.62
ICICI Prudential ELSS Tax Saver Fund - Growth	4	14425.23	1.37	3.78	6.98	6.23	17.11
Navi ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	NA	102.15	2.90	2.96	6.78	5.93	0.00
ICICI Prudential Long Term Wealth Enhancement Fund - Growth	NA	41.11	1.37	5.69	9.71	5.76	20.15
Sundaram ELSS Tax Saver Fund - Growth	3	1356.01	1.22	0.86	6.60	5.46	15.28
PGIM India ELSS Tax Saver Fund - Growth	2	757.48	1.46	0.28	5.23	5.41	13.51

Detailed Comparison

More Funds from Essel Mutual Fund

Out of 19 mutual fund schemes offered by this AMC, 3 is/are ranked 3 * , 2 is/are ranked 2 * , 1 is/are ranked 1 * , and 13 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Navi Nifty 50 Index Fund - Regular Plan - Growth	3	3524.00	2.94	3.12	7.15	6.69	14.45
Navi US Nasdaq100 FOF - Regular Plan - Growth	NA	1129.79	1.51	10.09	34.45	29.62	33.09
Navi US Nasdaq100 FOF - Regular Plan - Growth	NA	1129.79	0.00	0.00	0.00	0.00	0.00
Navi Nifty Next 50 Index Fund - Regular Plan - Growth	NA	974.52	0.70	1.79	5.32	-1.82	18.06
Navi US Total Stock Market Fund of Fund - Regular Plan - Growth	NA	962.93	0.46	7.91	27.05	21.76	24.30
Navi US Total Stock Market Fund of Fund - Regular Plan - Growth	NA	962.93	0.00	0.00	0.00	0.00	0.00
Navi Nifty Bank Index Fund - Regular Plan - Growth	NA	611.19	4.59	1.16	4.84	11.80	12.00
Navi Nifty Midcap 150 Index Fund - Regular Plan - Growth	NA	323.98	1.52	-0.05	8.06	3.77	22.35
Navi Large & Midcap Fund - Regular Plan - Growth	2	310.79	1.52	0.32	5.45	1.63	13.38
Navi Flexi Cap Fund - Growth	2	253.31	1.60	1.75	8.33	1.10	13.20