Bank of India ELSS Tax Saver · Regular · Growth
NAV
₹163.6500
as of 14 Jul 2026
Expense Ratio
2.09%
AUM
₹1,358 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.32%
- 3Y
- +14.03%
- 5Y
- +11.81%
- Since Inception
- +17.70%
SIP returns (XIRR)
- 1Y
- +5.40%
- 3Y
- +5.89%
- 5Y
- +11.09%
- Since Inception
- +14.90%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹13,31,279 today — ₹6,00,000 invested, 15.4% XIRR.
₹6,00,000
Invested
₹13,31,279
Value today
15.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹4,29,866 today (15.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹29,67,381.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹13,31,279 in this fund vs ₹12,20,085 in the benchmark — outperformance of ₹1,11,194.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹3,98,466 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-0.21
Sharpe Ratio
-0.04
Alpha
0.29
Beta
-0.20
Sortino
16.36%
Std Dev
-15.72%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Banks16.45%
- Electrical Equipment5.62%
- Auto Components5.58%
- Pharmaceuticals & Biotechnology5.51%
- Aerospace & Defense5.15%
- Power4.02%
- Industrial Products3.77%
- Ferrous Metals3.64%
- Telecom - Services3.11%
- Agricultural Food & other Products3.10%
- Capital Markets2.96%
- Transport Infrastructure2.93%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India4.08%
- 2Hindustan Aeronautics Limited3.43%
- 3Acutaas Chemicals Limited3.24%
- 4Bharti Airtel Limited3.11%
- 5Icici Bank Limited3.05%
- 6Adani Ports And Special Economic Zone Limited2.93%
- 7Ntpc Limited2.92%
- 8Hdfc Bank Limited2.86%
- 9Power Finance Corporation Limited2.75%
- 10Uno Minda 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