Bank of India ELSS Tax Saver · Regular · Growth
NAV
₹160.7700
as of 30 Sept 2026
Expense Ratio
2.09%
AUM
₹1,385 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.39%
- 3Y
- +10.21%
- 5Y
- +9.86%
- Since Inception
- +17.35%
SIP returns (XIRR)
- 1Y
- +0.75%
- 3Y
- +3.04%
- 5Y
- +9.43%
- Since Inception
- +14.45%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹12,81,935 today — ₹6,00,000 invested, 14.6% XIRR.
₹6,00,000
Invested
₹12,81,935
Value today
14.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,93,896 today (14.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹26,57,029.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹12,81,935 in this fund vs ₹11,24,556 in the benchmark — outperformance of ₹1,38,103.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹3,92,841 today (3.93×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.32
Sharpe Ratio
+0.02
Alpha
0.21
Beta
0.31
Sortino
13.76%
Std Dev
-10.82%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks17.41%
- Aerospace & Defense5.43%
- Auto Components5.42%
- Electrical Equipment4.95%
- Pharmaceuticals & Biotechnology4.47%
- Industrial Products4.45%
- Agricultural Food & other Products3.77%
- Food Products3.58%
- Power3.29%
- Telecom - Services3.20%
- Consumer Durables2.60%
- Transport Infrastructure2.52%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India5.36%
- 2Icici Bank Limited4.52%
- 3Hindustan Aeronautics Limited3.73%
- 4Quality Power Electrical Eqp Ltd3.29%
- 5Bharti Airtel Limited3.20%
- 6Uno Minda Limited2.98%
- 7Balrampur Chini Mills Limited2.84%
- 8Heg Limited2.73%
- 9Lg Electronics India Ltd2.60%
- 10Dr. Reddy'S Laboratories Limited2.54%
What this fund does
Bank of India ELSS Tax Saver · Regular · Growth is a tax-saving equity fund (ELSS) that offers tax deduction under Section 80C of the Income Tax Act, with a mandatory 3-year lock-in period. The fund aims to generate long-term capital appreciation while providing tax benefits of up to ₹46,800 per year.
About This Fund
Bank of India ELSS Tax Saver · Regular · Growth is a ELSS Tax Saver mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 17 years. It manages assets worth ₹1,385 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.09%.
Who Should Invest?
- •Salaried individuals and taxpayers seeking to save tax under Section 80C