SBI ELSS Tax Saver Fund - Regular Plan - 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

Portfolio Turnover Ratio : 13.00%. Category average turnover ratio is 246.69%. 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 : 92.70% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 92.70%

No of Stocks : 71 (Category Avg - 54.22) | Large Cap Investments : 50.38%| Mid Cap Investments : 11.77% | Small Cap Investments : 6.96% | Other : 23.59%

Portfolio Summary (as on 30th Nov,2025)

Particulars	This Scheme	Category
No. of Stocks	71	54.18
Top 5 Stock Weight	23.71%	27.76%
Top 10 Stock Weight	37.1%	44.26%
Top 3 Sector Weight	32.5%	32.45%

Category - ELSS

Particulars	This Scheme	Category
Average mcap (Cr)	122475.95	96175.31
Holdings in large cap stocks	50.38%	39.46%
Holdings in mid cap stocks	11.77%	11.43%
Holdings in small cap stocks	6.96%	16.45%

Category - ELSS

Top 10 Stocks holding in Portfolio (as on 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
HDFC Bank Ltd.	Private sector bank	28803.8	8.91%	0.03%	9.65% (Apr 2025)	7.4% (Jan 2025)	2.86 Cr
Reliance Industries Ltd.	Refineries & marketing	17673.8	5.47%	0.20%	5.56% (Apr 2025)	3.53% (Dec 2024)	1.13 Cr
Tata Steel Ltd.	Iron & steel products	10413.5	3.22%	-0.35%	3.57% (Oct 2025)	2.56% (Jan 2025)	6.20 Cr
ICICI Bank Ltd.	Private sector bank	10299.7	3.19%	0.05%	3.71% (Apr 2025)	3.14% (Oct 2025)	74.16 L
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	9449.9	2.92%	0.16%	2.92% (Nov 2025)	2.42% (Mar 2025)	25.15 L
Cipla Ltd.	Pharmaceuticals	9338.7	2.89%	0.01%	3.24% (Aug 2025)	1.87% (Dec 2024)	60.99 L
State Bank Of India	Public sector bank	9139.6	2.83%	0.08%	2.83% (Nov 2025)	2.46% (Jul 2025)	93.36 L
ITC Limited	Diversified fmcg	8656.9	2.68%	-0.15%	3.2% (Apr 2025)	2.13% (Mar 2025)	2.14 Cr
Axis Bank Ltd.	Private sector bank	8283.9	2.56%	0.05%	2.69% (Apr 2025)	1.72% (Dec 2024)	64.73 L
Mahindra & Mahindra Financial Services Ltd.	Non banking financial company (nbfc)	7840.9	2.43%	0.34%	2.43% (Nov 2025)	1.61% (May 2025)	2.11 Cr

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

View complete holding

Complete equity Portfolio (as on 30th Nov,2025)

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Sector
M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
HDFC Bank Ltd.	Private sector bank	18.26	28803.8	8.91%	0.03%	9.65% (Apr 2025)	7.4% (Jan 2025)	2.86 Cr	0.00	Other	23.59
Reliance Industries Ltd.	Refineries & marketing	6.91	17673.8	5.47%	0.20%	5.56% (Apr 2025)	3.53% (Dec 2024)	1.13 Cr	0.00	Large Cap	50.38
Tata Steel Ltd.	Iron & steel products	3.22	10413.5	3.22%	-0.35%	3.57% (Oct 2025)	2.56% (Jan 2025)	6.20 Cr	0.00	Other	23.59
ICICI Bank Ltd.	Private sector bank	18.26	10299.7	3.19%	0.05%	3.71% (Apr 2025)	3.14% (Oct 2025)	74.16 L	0.00	Large Cap	50.38
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	3.8	9449.9	2.92%	0.16%	2.92% (Nov 2025)	2.42% (Mar 2025)	25.15 L	0.00	Large Cap	50.38
Cipla Ltd.	Pharmaceuticals	5.57	9338.7	2.89%	0.01%	3.24% (Aug 2025)	1.87% (Dec 2024)	60.99 L	0.00	Large Cap	50.38
State Bank Of India	Public sector bank	3.9	9139.6	2.83%	0.08%	2.83% (Nov 2025)	2.46% (Jul 2025)	93.36 L	0.00	Large Cap	50.38
ITC Limited	Diversified fmcg	2.68	8656.9	2.68%	-0.15%	3.2% (Apr 2025)	2.13% (Mar 2025)	2.14 Cr	0.00	Large Cap	50.38
Axis Bank Ltd.	Private sector bank	18.26	8283.9	2.56%	0.05%	2.69% (Apr 2025)	1.72% (Dec 2024)	64.73 L	0.00	Large Cap	50.38
Mahindra & Mahindra Financial Services Ltd.	Non banking financial company (nbfc)	2.5	7840.9	2.43%	0.34%	2.43% (Nov 2025)	1.61% (May 2025)	2.11 Cr	0.00	Mid Cap	11.77
Kotak Mahindra Bank Ltd.	Private sector bank	18.26	7754.1	2.40%	-0.01%	2.58% (Jun 2025)	1.9% (Dec 2024)	36.50 L	0.00	Large Cap	50.38
Torrent Power Ltd.	Integrated power utilities	2.28	7375.4	2.28%	-0.04%	3.03% (Apr 2025)	2.25% (Sep 2025)	56.11 L	0.00	Mid Cap	11.77
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	3.34	6438.4	1.99%	0.01%	3.48% (Mar 2025)	1.89% (Sep 2025)	30.64 L	0.00	Large Cap	50.38
FSN E-Commerce Ventures Ltd.	E-retail/ e-commerce	3.16	5880.8	1.82%	0.10%	1.82% (Nov 2025)	1.3% (Dec 2024)	2.20 Cr	0.00	Other	23.59
Tech Mahindra Ltd.	Computers - software & consulting	7.33	5736.5	1.77%	0.08%	2.32% (Dec 2024)	1.69% (Oct 2025)	37.81 L	0.00	Large Cap	50.38
AIA Engineering Ltd.	Castings & forgings	2.56	5733.4	1.77%	0.25%	2% (Jan 2025)	1.49% (Sep 2025)	14.84 L	0.00	Mid Cap	11.77
Lupin Ltd.	Pharmaceuticals	5.57	5596.7	1.73%	0.07%	2.28% (Dec 2024)	1.66% (Oct 2025)	26.88 L	0.00	Large Cap	50.38
Infosys Ltd.	Computers - software & consulting	7.33	5086.8	1.57%	0.01%	2.3% (Jan 2025)	1.56% (Oct 2025)	32.61 L	-0.80 L	Large Cap	50.38
Tata Consultancy Services Ltd.	Computers - software & consulting	7.33	4706.3	1.46%	0.02%	2.26% (Jan 2025)	1.42% (Sep 2025)	15.00 L	0.00	Large Cap	50.38
GAIL (India) Ltd.	Gas transmission/marketing	1.86	4665.3	1.44%	-0.08%	1.82% (Dec 2024)	1.44% (Nov 2025)	2.65 Cr	0.00	Large Cap	50.38
Bharat Petroleum Corporation Ltd.	Refineries & marketing	6.91	4648.5	1.44%	-0.01%	1.52% (Apr 2025)	1.29% (Feb 2025)	1.29 Cr	0.00	Large Cap	50.38
Asian Paints (india) Ltd.	Paints	1.97	4573.2	1.41%	0.15%	1.41% (Nov 2025)	0% (Dec 2024)	15.91 L	0.00	Large Cap	50.38
Tata Communications Ltd.	Telecom - cellular & fixed line services	3.34	4376.4	1.35%	-0.07%	1.42% (Oct 2025)	0% (Dec 2024)	24.11 L	0.00	Mid Cap	11.77
Swiggy Ltd.	E-retail/ e-commerce	3.16	4331	1.34%	-0.14%	1.59% (Sep 2025)	0.4% (Apr 2025)	1.14 Cr	0.00	Other	23.59
ICICI Prudential Life Insurance Co Ltd.	Life insurance	1.97	4279.3	1.32%	0.04%	1.63% (Dec 2024)	1.28% (Oct 2025)	69.05 L	0.00	Large Cap	50.38
Oil & Natural Gas Corporation Ltd.	Oil exploration & production	1.28	4135.3	1.28%	-0.09%	1.63% (Jan 2025)	1.28% (Nov 2025)	1.70 Cr	0.00	Large Cap	50.38
Hexaware Technologies Ltd.	Computers - software & consulting	7.33	4089.9	1.27%	0.10%	3.39% (Feb 2025)	0% (Dec 2024)	54.04 L	0.00	Other	23.59
HDFC Asset Management Co. Ltd.	Asset management company	1.26	4086.6	1.26%	-0.03%	1.89% (Jul 2025)	1.26% (Nov 2025)	15.29 L	7.64 L	Large Cap	50.38
Wipro Ltd.	Computers - software & consulting	7.33	4070.9	1.26%	0.02%	1.86% (Jan 2025)	1.24% (Oct 2025)	1.63 Cr	0.00	Large Cap	50.38
Hindalco Industries Ltd.	Aluminium	1.24	4000.9	1.24%	-0.08%	1.65% (Feb 2025)	1.06% (May 2025)	49.49 L	0.00	Large Cap	50.38
Federal Bank Ltd.	Private sector bank	18.26	3868.8	1.20%	0.08%	1.2% (Nov 2025)	0% (Dec 2024)	1.50 Cr	0.00	Mid Cap	11.77
TVS Holdings Ltd.	Auto components & equipments	1.19	3848.9	1.19%	-0.09%	1.28% (Oct 2025)	0.83% (Mar 2025)	2.68 L	0.00	Small Cap	6.96
Mahindra Lifespace Developers Ltd.	Residential, commercial projects	1.16	3763.3	1.16%	0.07%	1.16% (Nov 2025)	0.07% (May 2025)	89.73 L	0.00	Small Cap	6.96
Medplus Health Services Ltd.	Pharmacy retail	1.09	3530.8	1.09%	0.04%	1.12% (Aug 2025)	0.46% (Jan 2025)	43.65 L	0.00	Other	23.59
Punjab National Bank	Public sector bank	3.9	3472.4	1.07%	-0.01%	1.08% (Oct 2025)	0.77% (Feb 2025)	2.79 Cr	0.00	Large Cap	50.38
Petronet LNG Ltd.	Lpg/cng/png/lng supplier	0.96	3099.6	0.96%	-0.05%	1.42% (Dec 2024)	0.96% (Nov 2025)	1.14 Cr	0.00	Large Cap	50.38
Grindwell Norton Ltd.	Abrasives & bearings	1.08	2970.6	0.92%	-0.09%	1.01% (Oct 2025)	0.68% (Feb 2025)	19.10 L	0.00	Small Cap	6.96
Equitas Small Finance Bank Ltd.	Other bank	0.88	2853.4	0.88%	0.08%	0.88% (Nov 2025)	0.6% (Mar 2025)	4.45 Cr	0.00	Other	23.59
Tata Motors Passenger Vehicles Ltd.	Passenger cars & utility vehicles	3.8	2850.7	0.88%	-0.15%	2.13% (Dec 2024)	0.88% (Nov 2025)	79.90 L	0.00	Large Cap	50.38
TML Commercial Vehicles Ltd.	Commercial vehicles	0.87	2812.4	0.87%	0.21%	0.87% (Nov 2025)	0% (Dec 2024)	79.90 L	0.00	Other	23.59
Prism Johnson Ltd.	Cement & cement products	2.52	2755.8	0.85%	-0.12%	1.05% (Sep 2025)	0.54% (Feb 2025)	2.02 Cr	0.00	Small Cap	6.96
Delhivery Ltd.	Logistics solution provider	0.8	2575.9	0.80%	-0.09%	0.94% (Aug 2025)	0.56% (Mar 2025)	60.44 L	0.00	Other	23.59
Sundaram Clayton DCD Ltd.	Castings & forgings	2.56	2538.3	0.79%	-0.11%	1.76% (Dec 2024)	0.79% (Nov 2025)	19.22 L	0.00	Other	23.59
Sheela Foam Ltd.	Furniture, home furnishing	0.77	2479	0.77%	-0.14%	0.91% (Oct 2025)	0.19% (Sep 2025)	41.31 L	0.00	Small Cap	6.96
Godrej Consumer Products Ltd	Personal care	0.71	2291.2	0.71%	0.01%	0.88% (Apr 2025)	0.7% (Oct 2025)	20.00 L	0.00	Large Cap	50.38
Rallis India Ltd.	Pesticides & agrochemicals	0.71	2281.7	0.71%	0.01%	1.08% (Jul 2025)	0.67% (Mar 2025)	86.54 L	0.00	Small Cap	6.96
Life Insurance Corporation Of India	Life insurance	1.97	2100	0.65%	-0.01%	0.76% (May 2025)	0.65% (Nov 2025)	23.48 L	0.00	Other	23.59
United Breweries Ltd.	Breweries & distilleries	0.64	2061.8	0.64%	-0.05%	0.96% (Jan 2025)	0.64% (Nov 2025)	12.20 L	0.00	Large Cap	50.38
- Jubilant Foodworks Ltd.	Restaurants	0.56	1804.5	0.56%	0.00%	0.78% (Dec 2024)	0.56% (Nov 2025)	30.00 L	0.00	Other	23.59
Berger Paints India Ltd.	Paints	1.97	1802.3	0.56%	0.02%	0.57% (Aug 2025)	0% (Dec 2024)	31.92 L	0.00	Large Cap	50.38
Thermax Ltd.	Heavy electrical equipment	0.54	1752.1	0.54%	-0.07%	0.78% (Jul 2025)	0% (Dec 2024)	6.00 L	0.00	Mid Cap	11.77
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	5.57	1748.6	0.54%	0.03%	0.65% (Dec 2024)	0.5% (Sep 2025)	9.55 L	0.00	Large Cap	50.38
Cummins India Ltd.	Compressors, pumps & diesel engines	0.53	1716.4	0.53%	-0.51%	1.96% (Dec 2024)	0.53% (Nov 2025)	3.83 L	-3.80 L	Mid Cap	11.77
Shree Cement Ltd.	Cement & cement products	2.52	1707.9	0.53%	-0.05%	0.71% (Mar 2025)	0.47% (Dec 2024)	64.69 k	0.00	Large Cap	50.38
Kajaria Ceramics Ltd.	Ceramics	0.46	1491.2	0.46%	-0.07%	0.58% (Dec 2024)	0.39% (Apr 2025)	13.97 L	0.00	Small Cap	6.96
Heidelberg Cement India Ltd.	Cement & cement products	2.52	1406.4	0.44%	-0.03%	0.54% (Jul 2025)	0.4% (Dec 2024)	76.55 L	0.00	Small Cap	6.96
Gujarat State Petronet Ltd.	Gas transmission/marketing	1.86	1344.4	0.42%	-0.04%	0.5% (Jun 2025)	0% (Dec 2024)	46.76 L	0.00	Mid Cap	11.77
JSW Cement Ltd.	Cement & cement products	2.52	1332.4	0.41%	-0.09%	0.53% (Sep 2025)	0% (Dec 2024)	1.16 Cr	0.00	Other	23.59
- Balkrishna Industries Ltd.	Tyres & rubber products	0.41	1318.6	0.41%	0.00%	0.5% (Jul 2025)	0% (Dec 2024)	5.71 L	0.00	Mid Cap	11.77
- Larsen & Toubro Ltd.	Civil construction	0.38	1227.5	0.38%	0.00%	1.44% (Jan 2025)	0.35% (Apr 2025)	3.02 L	0.00	Large Cap	50.38
Niva Bupa Health Insurance Company Ltd.	General insurance	0.37	1196.8	0.37%	-0.01%	0.47% (Jul 2025)	0% (Dec 2024)	1.61 Cr	0.00	Other	23.59
Chemplast Sanmar Ltd.	Commodity chemicals	0.33	1055.6	0.33%	-0.14%	0.67% (Dec 2024)	0.33% (Nov 2025)	37.14 L	0.00	Other	23.59
Aavas Financiers Ltd.	Housing finance company	0.31	1003.5	0.31%	-0.03%	0.35% (Sep 2025)	0% (Dec 2024)	6.49 L	0.00	Mid Cap	11.77
Pitti Engineering Ltd.	Industrial products	0.3	957.4	0.30%	-0.03%	0.36% (Sep 2025)	0% (Dec 2024)	11.00 L	0.00	Small Cap	6.96
Associated Cement Companies Ltd.	Cement & cement products	2.52	939.7	0.29%	-0.01%	0.37% (Dec 2024)	0.29% (Nov 2025)	5.08 L	0.00	Mid Cap	11.77
Sanofi Consumer Healthcare India Ltd.	Pharmaceuticals	5.57	689.6	0.21%	-0.02%	0.28% (Jun 2025)	0.21% (Nov 2025)	1.48 L	0.00	Other	23.59
Sanofi India Ltd.	Pharmaceuticals	5.57	649.3	0.20%	-0.02%	0.33% (Dec 2024)	0.2% (Nov 2025)	1.48 L	0.00	Mid Cap	11.77
- Timken India Ltd.	Abrasives & bearings	1.08	511.1	0.16%	0.00%	0.19% (Jun 2025)	0.14% (Apr 2025)	1.62 L	0.00	Small Cap	6.96
- HDB Financial Services Ltd.	Non banking financial company (nbfc)	2.5	228.2	0.07%	0.00%	0.08% (Aug 2025)	0% (Dec 2024)	2.97 L	0.00	Other	23.59
- SRF Ltd.	Specialty chemicals	0.04	114.4	0.04%	0.00%	0.04% (Oct 2025)	0% (Dec 2024)	39.07 k	0.00	Mid Cap	11.77
- Manpasand Beverages Ltd.	Other beverages	0	0	0.00%	0.00%	0% (Nov 2025)	0% (Dec 2024)	10.35 L	0.00	Small Cap	6.96
LTIMindtree Ltd.	Computers - software & consulting	7.33	86.7	0.00%	-0.03%	-	-	-	-	Mid Cap	11.77

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

New Stocks added in Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
No new entrants in the portfolio in the last month.

Stocks removed from Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
LTIMindtree Ltd.	Computers - software & consulting	86.7	0.00%	-0.03%	0.03% (Jul 2025)	0% (Dec 2024)	0.00	-15246

Trend in stock holdings (Top 15 Holding)

Stock	Nov 2025	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024
HDFC Bank Ltd.	8.91%	8.88%	8.94%	9.09%	9.53%	9.34%	9.37%	9.65%	9.42%	8.01%	7.40%	7.49%	7.57%
Reliance Industries Ltd.	5.47%	5.27%	5.06%	5.11%	5.18%	5.53%	5.40%	5.56%	5.18%	3.77%	3.74%	3.53%	3.75%
ICICI Bank Ltd.	3.19%	3.14%	3.29%	3.46%	3.63%	3.50%	3.61%	3.71%	3.61%	3.47%	3.40%	3.42%	3.46%
Tata Steel Ltd.	3.22%	3.57%	3.44%	3.20%	3.23%	3.24%	3.37%	3.05%	3.21%	2.77%	2.56%	2.58%	2.70%
ITC Limited	2.68%	2.83%	2.83%	2.93%	2.91%	2.91%	3.02%	3.20%	2.13%	2.21%	2.36%	2.51%	2.47%
Mahindra & Mahindra Ltd.	2.92%	2.76%	2.83%	2.69%	2.66%	2.61%	2.52%	2.58%	2.42%	2.53%	2.75%	2.72%	2.68%
Cipla Ltd.	2.89%	2.88%	3.01%	3.24%	3.13%	3.00%	3.01%	2.56%	2.28%	2.40%	2.06%	1.87%	1.87%
Torrent Power Ltd.	2.28%	2.32%	2.25%	2.30%	2.43%	2.69%	2.60%	3.03%	3.01%	2.75%	3.01%	2.77%	2.66%
State Bank Of India	2.83%	2.75%	2.68%	2.50%	2.46%	2.50%	2.56%	2.58%	2.60%	2.50%	2.64%	2.67%	2.81%
Bharti Airtel Ltd.	1.99%	1.98%	1.89%	1.93%	1.94%	2.01%	1.92%	2.00%	3.48%	3.40%	3.31%	3.18%	3.25%
Axis Bank Ltd.	2.56%	2.51%	2.41%	2.26%	2.28%	2.54%	2.60%	2.69%	2.57%	2.56%	2.34%	1.72%	1.83%
Kotak Mahindra Bank Ltd.	2.40%	2.41%	2.39%	2.39%	2.39%	2.58%	2.55%	2.29%	2.31%	2.18%	2.05%	1.90%	1.87%
Tech Mahindra Ltd.	1.77%	1.69%	1.74%	1.87%	1.83%	2.08%	2.01%	1.99%	1.93%	2.19%	2.32%	2.32%	1.96%
Tata Motors Passenger Vehicles Ltd.	0.88%	2.06%	-	-	-	-	-	-	-	-	-	-	-
Tata Motors Ltd.	-	-	1.79%	1.79%	1.76%	1.80%	1.94%	1.81%	1.94%	1.93%	2.10%	2.13%	2.26%
Hexaware Technologies Ltd.	1.27%	1.17%	1.19%	1.37%	1.26%	2.10%	2.57%	2.19%	2.25%	3.39%	-	-	-