Bank of India ELSS Tax Saver · Regular · Growth
NAV
₹168.6900
as of 13 Nov 2026
Expense Ratio
2.09%
AUM
₹1,406 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.96%
- 3Y
- +11.42%
- 5Y
- +10.14%
- Since Inception
- +17.54%
SIP returns (XIRR)
- 1Y
- +9.92%
- 3Y
- +5.12%
- 5Y
- +10.91%
- Since Inception
- +14.75%
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹13,09,473 today — ₹6,00,000 invested, 15.1% XIRR.
₹6,00,000
Invested
₹13,09,473
Value today
15.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹4,54,690 today (16.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹32,37,427.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹13,09,473 in this fund vs ₹11,99,859 in the benchmark — outperformance of ₹1,09,614.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹4,10,738 today (4.11×).
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-0.10
Sharpe Ratio
+0.00
Alpha
0.91
Beta
-0.10
Sortino
13.09%
Std Dev
-10.82%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks17.08%
- Aerospace & Defense5.41%
- Auto Components5.16%
- Pharmaceuticals & Biotechnology4.88%
- Electrical Equipment4.32%
- Industrial Manufacturing3.42%
- Power3.41%
- Food Products3.25%
- Telecom - Services3.21%
- Transport Infrastructure2.95%
- Capital Markets2.84%
- Agricultural Food & other Products2.81%
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 India5.02%
- 2Icici Bank Limited4.26%
- 3Hindustan Aeronautics Limited3.76%
- 4Bharti Airtel Limited3.21%
- 5Quality Power Electrical Eqp Ltd3.15%
- 6Adani Ports And Special Economic Zone Limited2.95%
- 7Uno Minda Limited2.83%
- 8Dr. Reddy'S Laboratories Limited2.81%
- 9Balrampur Chini Mills Limited2.81%
- 10Lg Electronics India Ltd2.74%
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 ₹1,406 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