quant Mutual Fund
quant ELSS Tax Saver Fund Option
6.8Q1★★
- NAV
- ₹435.34
- Expense
- —
- AUM
- ₹12.1 K Cr
- 1Y
- +9.9%
- 3Y
- +19.4%
- 5Y
- +19.6%
#1 of 12
Min SIP: ₹500Ideal: 5+ years (3-year lock-in mandatory)
HDFC Mutual Fund
HDFC ELSS Tax saver - Growth Option - Direct Plan
3Y returns
18.8%
past performance*
5Y returns
19.3%
past performance*
1.08%Expense ratio
₹16.6K CrFund size
A licensed partner advisor will guide you — free, no PAN or bank details needed now.
*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹1,412.8
1D—
Expense1.08%
AUM₹16.6K Cr
Min SIP₹500
Min Lumpsum₹500
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -2.44% | +2.60% | -4.61% | -7.88% | -1.15% | +18.83% | +19.30% | +14.53% |
🎯 OnePaisa Verdict
4.4/ 10
Below AverageBreakdown
- Returns5/10
- Consistency4/10
- Risk1/10
- Cost5/10
- Size9/10
- Large, well-established fund (₹17K Cr AUM)
- 5★ Morningstar rating
💡 Ratings are not guarantees. Past performance does not predict future results.
SIP Returns
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
-8.37%
₹1.15 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
vs Category (ELSS (Tax Saver))
This fund (1Y)
-1.15%
Rank #9 of 12
Category average (1Y)
+2.15%
Quartile Q3
Beats 25% of elss (tax saver) funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)12.72%Moderate
- Max Drawdown (1Y)-14.81%Moderate
- Sharpe Ratio (1Y)-0.60Poor
- Sortino Ratio (1Y)-0.58Poor
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
Calendar Year Returns
+7.44%
2025
-8.16%
2026
💰 What This Fund Costs You
Expense ratio: 1.08%
That is ₹1,080 per year on every ₹1 lakh invested.
10-year impact on ₹1 lakh (assuming 12% gross return)
Without this expense, ₹1 lakh would have grown to ₹3.11 L.
💡 Index funds typically charge 0.10-0.20%. Compare with index funds →
🎯 Is This Fund Right For You?
- Ideal horizon
- 5+ years (3-year lock-in mandatory)
- Minimum: 3 years (lock-in)
- Risk profile
- Moderately High
- SIP recommended
- ✅ Yes
- Monthly (₹12,500/month = ₹1.5L annual 80C limit)
Equity fund with 3-year lock-in. Section 80C deduction up to ₹1.5 lakh.
Suitable goals
- Tax saving under Section 80C
- Long-term wealth creation with tax benefit
Suitable for
- Salaried individuals in 20-30% tax bracket
- Those who need Section 80C investment
- First-time equity investors (lock-in prevents panic selling)
Not suitable for
- Those who have exhausted 80C via EPF/PPF
- Those needing liquidity within 3 years
🧾 Taxation
This is an ELSS Fund.
- Short-term (N/A — mandatory 3-year lock-in)
- N/A (3-year lock-in prevents short-term redemption)
- Long-term (After 3-year lock-in)
- 12.5%
- LTCG exemption
- ₹1.25 lakh per financial year
- TDS
- No TDS for resident Indians
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹0
- Tax owed: ₹0 (within exemption)
- You keep: ₹1,25,000
💰 Section 80C benefit
Save up to ₹46,800 in taxes (₹1.5L × 31.2% slab) under Section 80C.
Section 80C deduction up to ₹1.5L/year. After the 3-year lock-in, gains above ₹1.25L are taxed at 12.5%.
🚨 Things to Watch
Below category average
Returns of -1.1% trail the category average of 2.1% by 3.3%.
Poor risk-adjusted returns
Sharpe ratio of -0.60 means you’re not being adequately compensated for the risk taken.
Negative 1-year returns
This fund has returned -1.1% over the past year. Short-term negative returns are normal for equity — check 3Y/5Y for the full picture.
📊 SIP Calculator — HDFC ELSS Tax saver Option
Estimated corpus
₹5.07 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹2.07 L (+69%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (17.6%)₹4.83 L
- This fund (19.30%)₹5.07 L
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
▶Show Advanced Analysis
📈 Risk vs Return
Return -1.1% · Risk (std dev) 12.7%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -0.60 confirms poor risk-adjusted returns.
🛡️ Downside Protection
If the broader market falls 20%, this fund is expected to fall about 19.7%.
Based on 1Y max drawdown of -14.8% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.99× market. Average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
💸 Expense Impact (₹10K/month for 20 years at 12% gross)
- This fund — Direct (1.08%)₹86.43 L
- Index fund (0.10%)₹98.57 L
- Regular plan (~1.50%)₹81.76 L
Choosing this Direct plan over a Regular plan saves about ₹4.67 L. Index fund would still beat it by ₹12.14 L thanks to its lower expense ratio.
Fund information
- Scheme category
- Equity Scheme - ELSS
- Benchmark
- BSE 500 India TR INR
- Inception
- 2013-01-01
- Lock-in
- 3 years
- Exit load
- -
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-22
- Metrics calculated: 2026-10-23
- Source: mfapi.in, AMFI India
NAV trend
See how a SIP grows in this fund
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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