Bank of India ELSS Tax Saver · Regular · Growth
NAV
₹163.3700
as of 31 Jul 2026
Expense Ratio
2.09%
AUM
₹1,385 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.77%
- 3Y
- +12.41%
- 5Y
- +11.51%
- Since Inception
- +17.64%
SIP returns (XIRR)
- 1Y
- +4.66%
- 3Y
- +5.61%
- 5Y
- +10.83%
- Since Inception
- +14.82%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹13,08,559 today — ₹5,95,000 invested, 15.3% XIRR.
₹5,95,000
Invested
₹13,08,559
Value today
15.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹4,07,508 today (15.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹27,66,522.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹13,08,559 in this fund vs ₹12,17,407 in the benchmark — outperformance of ₹91,152.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹3,97,784 today (3.98×).
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, annualised-0.04
Sharpe Ratio
-0.00
Alpha
0.29
Beta
-0.04
Sortino
15.54%
Std Dev
-11.86%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks18.26%
- Pharmaceuticals & Biotechnology6.18%
- Electrical Equipment5.75%
- Auto Components5.66%
- Aerospace & Defense5.13%
- Industrial Products3.91%
- Power3.87%
- Agricultural Food & other Products3.33%
- Telecom - Services3.10%
- Capital Markets2.99%
- Transport Infrastructure2.88%
- Finance2.67%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India4.67%
- 2Icici Bank Limited3.81%
- 3Acutaas Chemicals Limited3.58%
- 4Hdfc Bank Limited3.48%
- 5Hindustan Aeronautics Limited3.43%
- 6Bharti Airtel Limited3.10%
- 7Adani Ports And Special Economic Zone Limited2.88%
- 8Quality Power Electrical Eqp Ltd2.82%
- 9Power Finance Corporation Limited2.67%
- 10Ntpc 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 ₹1,385 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?
- •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