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SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 5/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 86/100 · Excellent
How this score is calculated
- Star rating (35%)5/5
- 3Y CAGR (30%)13.36%
- Expense ratio (20%)1.27%
- AUM (15%)₹31,735 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Equity · ELSS
₹460.19
AUM: ₹31,734 Cr
NAV updated 15 days ago
Plan
Regular
Option
Idcw
Risk
High
Expense Ratio
1.27%
Exit Load
Nil
Fund Manager
Dinesh Balachandran
Inception
Jan 2013
Benchmark
BSE 500 Total Return Index
Sharpe Ratio
-0.61
Std Dev (1Y)
12.86%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-3.51%
3m
+1.61%
6m
+1.06%
1y
-2.63%
3y
+13.36%
5y
+14.85%
10y
+13.85%
since inception
+2.98%
TopFund's Take on SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks among the stronger performers in the ELSS category, backed by a 5-star rating. Consistent 3-year performance combined with a strong rating makes this one of the more credible options in its space. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 86/100.
Cost: At 1.27%, the expense ratio runs 20% above the ELSS category average of 1.06%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.61 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 12.86% is fairly typical for ELSS funds.
Who should invest: This fund is best suited to investors looking to claim the ₹1.5 lakh Section 80C tax deduction, who are comfortable with the mandatory 3-year lock-in. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹460.19. NAV is updated every business day after market close by AMFI.
1Y: -2.63% · 3Y CAGR: 13.36% · 5Y CAGR: 14.85%
The expense ratio of SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is 1.27% per annum. This is the annual fee charged by the fund to manage your investment.
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Dinesh Balachandran at SBI Mutual Fund.
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a ELSS fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹31,735 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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