HDFC TaxSaver Regular Growth
EquityELSS (Tax Savings)Very High Risk
Regular
NAV (05-Sep-24)
Returns (Since Inception)
Fund Overview
Fund Size
₹16,145 Cr
Expense Ratio
1.71%
ISIN
INF179K01BB8
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
31 Mar 1996
About this fund
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹1378.16, Assets Under Management (AUM) of 16145.24 Crores, and an expense ratio of 1.71%.
- The fund's asset allocation comprises around 91.61% in equities, 0.31% in debts, and 8.07% in cash & cash equivalents.
- You can start investing in HDFC TaxSaver Regular Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+45.29%
+39.82% (Cat Avg.)
3 Years
+24.54%
+18.95% (Cat Avg.)
5 Years
+23.71%
+23.15% (Cat Avg.)
10 Years
+13.82%
+15.31% (Cat Avg.)
Portfolio Summaryas of 31st July 2024
| Equity | ₹14,791.46 Cr | 91.61% |
| Debt | ₹50.71 Cr | 0.31% |
| Others | ₹1,303.07 Cr | 8.07% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| ICICI Bank Ltd | Equity | ₹1,567.22 Cr | 9.71% |
| HDFC Bank Ltd | Equity | ₹1,502.65 Cr | 9.31% |
| Treps - Tri-Party Repo | Cash - Repurchase Agreement | ₹1,281.41 Cr | 7.94% |
| Axis Bank Ltd | Equity | ₹1,166.1 Cr | 7.22% |
| Cipla Ltd | Equity | ₹833.92 Cr | 5.17% |
| HCL Technologies Ltd | Equity | ₹821.3 Cr | 5.09% |
| Bharti Airtel Ltd | Equity | ₹790.52 Cr | 4.90% |
| SBI Life Insurance Company Limited | Equity | ₹754.07 Cr | 4.67% |
| Infosys Ltd | Equity | ₹691.25 Cr | 4.28% |
| Kotak Mahindra Bank Ltd | Equity | ₹632.77 Cr | 3.92% |
| State Bank of India | Equity | ₹514.72 Cr | 3.19% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹429.99 Cr | 2.66% |
| Maruti Suzuki India Ltd | Equity | ₹393.47 Cr | 2.44% |
| Prestige Estates Projects Ltd | Equity | ₹345.02 Cr | 2.14% |
| Dr Reddy's Laboratories Ltd | Equity | ₹303.77 Cr | 1.88% |
| Hindustan Aeronautics Ltd Ordinary Shares | Equity | ₹283.06 Cr | 1.75% |
| Tech Mahindra Ltd | Equity | ₹264.25 Cr | 1.64% |
| Power Grid Corp Of India Ltd | Equity | ₹243.74 Cr | 1.51% |
| Mahindra & Mahindra Ltd | Equity | ₹232.62 Cr | 1.44% |
| Bajaj Auto Ltd | Equity | ₹222.28 Cr | 1.38% |
| Escorts Kubota Ltd | Equity | ₹208.67 Cr | 1.29% |
| Dr. Lal PathLabs Ltd | Equity | ₹176.16 Cr | 1.09% |
| Larsen & Toubro Ltd | Equity | ₹171.68 Cr | 1.06% |
| Metropolis Healthcare Ltd | Equity | ₹169.51 Cr | 1.05% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹157.99 Cr | 0.98% |
| Shoppers Stop Ltd | Equity | ₹156.1 Cr | 0.97% |
| United Spirits Ltd | Equity | ₹155.46 Cr | 0.96% |
| Lupin Ltd | Equity | ₹152.95 Cr | 0.95% |
| Star Health and Allied Insurance Co Ltd | Equity | ₹151.53 Cr | 0.94% |
| The Federal Bank Ltd | Equity | ₹139.46 Cr | 0.86% |
| Bajaj Electricals Ltd | Equity | ₹129.83 Cr | 0.80% |
| Eicher Motors Ltd | Equity | ₹124.07 Cr | 0.77% |
| Tata Steel Ltd | Equity | ₹115.73 Cr | 0.72% |
| TeamLease Services Ltd | Equity | ₹105.51 Cr | 0.65% |
| Popular Vehicles and Services Ltd | Equity | ₹100.85 Cr | 0.62% |
| Oil & Natural Gas Corp Ltd | Equity | ₹100.26 Cr | 0.62% |
| Cyient Ltd | Equity | ₹96.62 Cr | 0.60% |
| Coforge Ltd | Equity | ₹94.58 Cr | 0.59% |
| Karur Vysya Bank Ltd | Equity | ₹92.31 Cr | 0.57% |
| Zee Entertainment Enterprises Ltd | Equity | ₹59.47 Cr | 0.37% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹50.71 Cr | 0.31% |
| Bharti Airtel Ltd (Partly Paid Rs.1.25) | Equity | ₹42.11 Cr | 0.26% |
| Delhivery Ltd | Equity | ₹40.4 Cr | 0.25% |
| Reliance Industries Ltd | Equity | ₹30.11 Cr | 0.19% |
| ZF Commercial Vehicle Control Systems India Ltd | Equity | ₹26.92 Cr | 0.17% |
| Net Current Assets | Cash | ₹21.66 Cr | 0.13% |
| Blue Dart Express Ltd | Equity | ₹0.46 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
76.72%
Mid Cap Stocks
7.55%
Small Cap Stocks
6.72%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹6,520.82 Cr | 40.39% |
| Healthcare | ₹2,066.31 Cr | 12.80% |
| Technology | ₹1,871.38 Cr | 11.59% |
| Consumer Cyclical | ₹1,544.12 Cr | 9.56% |
| Industrials | ₹906.4 Cr | 5.61% |
| Communication Services | ₹892.1 Cr | 5.53% |
| Real Estate | ₹345.02 Cr | 2.14% |
| Utilities | ₹243.74 Cr | 1.51% |
| Consumer Defensive | ₹155.46 Cr | 0.96% |
| Energy | ₹130.37 Cr | 0.81% |
| Basic Materials | ₹115.73 Cr | 0.72% |
Risk & Performance Ratios
Standard Deviation
This fund
11.49%
Cat. avg.
12.72%
Lower the better
Sharpe Ratio
This fund
1.54
Cat. avg.
1.02
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.94
Higher the better
Fund Managers
Roshi Jain
Since January 2022
Dhruv Muchhal
Since June 2023
Additional Scheme Detailsas of 31st July 2024
ISIN | INF179K01BB8 | Expense Ratio | 1.71% | Exit Load | No Charges | Fund Size | ₹16,145 Cr | Age | 31 Mar 1996 | Lumpsum Minimum | ₹500 | Fund Status | Open Ended Investment Company | Benchmark | Nifty 500 TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar ELSS (Tax Savings) Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata India Tax Savings Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹4722.04 Cr | 37.4% |
| Tata India Tax Savings Fund Regular Growth Very High Risk | 1.8% | 0.0% | ₹4722.04 Cr | 35.8% |
| Axis Long Term Equity Fund Regular Growth Very High Risk | 1.5% | 0.0% | ₹38278.40 Cr | 35.7% |
| Parag Parikh Tax Saver Fund Direct Growth Very High Risk | 0.6% | 0.0% | ₹4016.58 Cr | 36.0% |
| Parag Parikh Tax Saver Fund Regular Growth Very High Risk | 1.7% | 0.0% | ₹4016.58 Cr | 34.5% |
| Shriram Long Term Equity Fund Direct Growth Very High Risk | 0.8% | 0.0% | ₹56.80 Cr | 39.5% |
| Shriram Long Term Equity Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹56.80 Cr | 37.3% |
| ITI Long Term Equity Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹385.94 Cr | 55.9% |
| ITI Long Term Equity Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹385.94 Cr | 53.1% |
| Sundaram Diversified Equity Regular Growth Very High Risk | 2.2% | 0.0% | ₹1677.93 Cr | 25.8% |
About the AMC
Total AUM
₹7,06,808 Cr
Address
“HUL House”, 2nd Floor, Mumbai, 400 020
Other Funds by HDFC Mutual Fund
Risk Level
Your principal amount will be at Very High Risk
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- Roshi Jain
- Dhruv Muchhal
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