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PGIM India ELSS Tax Saver Fund - Growth

  • Regular
  • Direct
Category : ELSS
Fund House :
  • NAV
    : ₹ 25.46 -0.35%
    (as on 02nd December, 2022)
Crisil Rank
Above average performance among peers
Risk-O-Meter
Very High

The fund has 92.58% investment in domestic equities of which 66.71% is in Large Cap stocks, 11.43% is in Mid Cap stocks, 4.54% in Small Cap stocks.The fund has 0.22% investment in Debt, of which 0.22% in Government securities.

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 5 to 4 in the previous quarter.

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Returns (NAV as on 02nd December, 2022)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 25-Nov-22 10123.30 1.23% - 1.38% 42/59
1 Month 02-Nov-22 10282.70 2.83% - 2.11% 18/59
3 Month 02-Sep-22 10657.20 6.57% - 4.52% 10/58
6 Month 02-Jun-22 11290.50 12.90% - 12.89% 28/58
YTD 31-Dec-21 10724.50 7.25% - 5.83% 27/58
1 Year 02-Dec-21 10927.00 9.27% 9.27% 6.88% 21/58
2 Year 02-Dec-20 15794.00 57.94% 25.67% 24.40% 16/58
3 Year 02-Dec-19 17367.00 73.67% 20.18% 20.05% 21/58
5 Year 01-Dec-17 18396.00 83.96% 12.95% 11.60% 15/47
Since Inception 11-Dec-15 25460.00 154.60% 14.32% 14.16% 25/57

SIP Returns (NAV as on 02nd December, 2022)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 02-Dec-21 12000 13001.05 8.34 % 15.78 %
2 Year 02-Dec-20 24000 28442.85 18.51 % 17.25 %
3 Year 02-Dec-19 36000 51419.62 42.83 % 24.57 %
5 Year 01-Dec-17 60000 95123.45 58.54 % 18.48 %
 

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 : 37.00%  |   Category average turnover ratio is 47.59%  
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 : 92.58% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 92.58%
No of Stocks : 32 (Category Avg - 46.31) | Large Cap Investments : 66.71%| Mid Cap Investments : 11.43% | Small Cap Investments : 4.54% | Other : 9.9%

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 336.7 7.70% -0.06% 8.29% (Jan 2022) 7.04% (Mar 2022) 3.71 L 0.00
Reliance Industries Ltd. Refineries/marketing 254.3 5.82% 0.05% 6.33% (Aug 2022) 3.27% (Dec 2021) 99.75 k 0.00
Infosys Ltd. Computers - software 247.8 5.67% 0.13% 8.11% (Dec 2021) 5.54% (Sep 2022) 1.61 L 0.00
HDFC Bank Ltd. Banks 230.8 5.28% -0.05% 5.65% (May 2022) 3.83% (Mar 2022) 1.54 L 0.00
HDFC Life Insurance Company Ltd. Insurance 204.1 4.67% -0.20% 4.87% (Sep 2022) 0% (Nov 2021) 3.78 L 0.00
Bharti Airtel Ltd. Telecom - services 200.4 4.58% -0.10% 5.31% (Nov 2021) 4.11% (Jul 2022) 2.41 L 0.00
Axis Bank Ltd. Banks 197.5 4.52% 0.63% 4.52% (Oct 2022) 1.03% (Nov 2021) 2.18 L 0.00
Larsen & Toubro Ltd. Engineering, designing, construction 193.5 4.43% 0.13% 5.3% (Dec 2021) 4.04% (Jun 2022) 95.66 k 0.00
State Bank Of India Banks 168.8 3.86% 0.07% 5.08% (Nov 2021) 3.63% (May 2022) 2.94 L 0.00
ITC Limited Cigarettes 156.9 3.59% -0.04% 3.63% (Sep 2022) 2.81% (Jan 2022) 4.50 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 1 (Category Avg - 0.09) | Modified Duration 0.00 Years (Category Avg - 1.52)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type
% Weight
Category Average
T-Bills 0.22% 0.01%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 0.22% 0.01%
Low Risk 0.00% 0.00%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
TREPS TREPS 7.07%
Net Receivables Net Receivables 0.13%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th November, 2022)

  • Standard Deviation

    Low volatility
    20.09vs20.38
    Category Avg
  • Beta

    High volatility
    0.91vs0.89
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    0.72vs0.7
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.16vs0.16
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    2vs2.46
    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 2.65 6.95 17.36 15.22 38.62
HDFC Tax Saver Fund - Growth 5 10065.81 3.55 7.59 16.30 14.40 17.86
Tata India Tax Savings Fund - Regular Plan - Growth 3 3190.55 3.35 6.81 15.26 10.98 17.11
SBI Long Term Equity Fund - Regular Plan - Growth 4 11599.86 3.62 7.24 15.91 10.42 19.65
Parag Parikh Tax Saver Fund - Regular Plan - Growth 5 848.19 0.83 7.71 12.17 10.21 24.27
IDFC Tax Advantage (ELSS) Fund - Regular Plan - Growth 5 3986.13 2.33 5.61 12.14 9.69 23.79
Nippon India Tax Saver Fund - Growth 3 12051.94 3.38 5.87 14.00 9.59 15.33
Kotak Tax Saver Fund - Growth 4 3062.89 2.45 5.59 14.70 9.18 18.96
Franklin India Taxshield Fund - Growth 3 5003.82 3.11 7.49 15.33 9.16 18.14
Quantum Tax Saving Fund - Growth 3 112.95 3.10 5.15 11.66 8.92 15.71

More Funds from

Out of 24 mutual fund schemes offered by this AMC, 5 is/are ranked 4 * , 4 is/are ranked 3 * , 2 is/are ranked 2 * , 4 is/are ranked 1 * , and 9 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
PGIM India Midcap Opportunities Fund - Growth 4 7257.41 1.62 1.50 13.30 7.19 37.00
PGIM India Flexi Cap Fund - Growth 4 5290.58 3.42 3.46 10.72 -1.05 24.35
PGIM India Small Cap Fund - Regular Plan - Growth NA 2132.30 2.78 2.96 12.66 4.17 0.00
PGIM India Balanced Advantage Fund - Growth NA 1522.90 1.98 1.45 7.81 4.86 0.00
PGIM India Global Equity Opportunities Fund - Growth NA 1254.18 0.00 0.00 0.00 0.00 0.00
PGIM India Global Equity Opportunities Fund - Growth NA 1254.18 6.56 2.95 -1.05 -31.81 9.57
PGIM India Liquid Fund - Growth 1 750.05 0.51 1.45 2.71 4.53 4.04
PGIM India Ultra Short Duration Fund - Growth 3 512.87 0.50 1.27 2.47 4.05 4.35
PGIM India ELSS Tax Saver Fund - Growth 4 437.12 2.83 6.57 12.90 9.27 20.18
PGIM India Large Cap Fund - Growth 1 416.16 3.33 6.87 13.39 5.44 13.19

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