Bank of India ELSS Tax Saver · Regular · Growth
NAV
₹164.6000
as of 17 Jun 2026
Expense Ratio
2.09%
AUM
₹1,358 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.20%
- 3Y
- +15.22%
- 5Y
- +13.47%
- Since Inception
- +17.82%
SIP returns (XIRR)
- 1Y
- +6.92%
- 3Y
- +7.19%
- 5Y
- +11.74%
- Since Inception
- +15.06%
Beat the benchmark — ₹500/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹4,23,752
Benchmark
₹3,67,720
+₹56,032 extra wealth vs the benchmark index
Backtest this SIP yourselfSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,04,000
Invested
₹4,23,752
Value today
14.6%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹16,410
Value today
17.6%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹10,40,000
Withdrawn
₹1,21,72,236
Corpus left
+₹1,22,12,236 net gain — withdrew ₹10,40,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹58,19,274
Value today
-40.9%
vs lumpsum
Direct lumpsum would have beaten STP by 40.9% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹3,85,172
Value today
3.9×
Multiple
Staying invested through that crash turned ₹1L into ₹3,85,172 — a 3.9× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.41
Sharpe Ratio
-0.06
Alpha
0.53
Beta
-0.38
Sortino
16.98%
Std Dev
-20.44%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Banks17.00%
- Electrical Equipment6.00%
- Aerospace & Defense5.00%
- Pharmaceuticals & Biotechnology5.00%
- Auto Components5.00%
- Power4.00%
- Ferrous Metals4.00%
- Industrial Products4.00%
- Finance4.00%
- Agricultural Food & other Products3.00%
- Telecom - Services3.00%
- Transport Infrastructure3.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India4.45%
- 2Hindustan Aeronautics Limited3.53%
- 3Quality Power Electrical Eqp Ltd3.19%
- 4Bharti Airtel Limited3.16%
- 5Icici Bank Limited3.02%
- 6Ntpc Limited2.96%
- 7Power Finance Corporation Limited2.83%
- 8Hdfc Bank Limited2.81%
- 9Adani Ports And Special Economic Zone Limited2.65%
- 10Acutaas Chemicals Limited2.64%
Investment Objective
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 ₹1,358 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?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Salaried individuals and taxpayers seeking to save tax under Section 80C
- •SIP investors who can benefit from rupee cost averaging during market fluctuations