ELSS funds are tax saving mutual funds, in which majority of the funds are invested in equity schemes. ELSS has a lock-in period of 3 years.

Tata ELSS Tax Saver Fund Growth Direct Plan

Q: What are equity funds?

Equity funds are schemes which concentrate their investments in shares of companies of different market capitalization

Q: What are large cap, mid cap, small cap and multi cap equity funds?

SEBI ranks all listed companies based on the overall market capitalization. Large-cap funds invest in top 100 companies Mid-cap funds invest in companies ranking from 101 to 250 Small-cap funds invest in companies ranking from 251st onwards. Multi-cap funds invest in small cap, mid cap and large cap companies

Q: What are Bluechip funds?

Bluechip funds are those funds that invest in stocks of well established companies which have proved to perform financially well over a long period of time.

Q: What is a lock-in period?

It is the period for which your money will remain locked in the mutual fund. Most mutuals do not have any lock-in period. ELSS, Tax-Savers, come with a lock-in of 3 years which is the lowest compared to other 80C investment options. Lock-in period is calculated from the date of investment. Meaning SIPs will have different lock-in dates

Q: Is KYC necessary for BLACK?

KYC is necessary for all fund houses. If you are investing through BLACK, you need to do your KYC just once. The same KYC will be used for all further investments.

Q: What is a Mandate (Auto-SIP)?

A Mandate is a one-time registration through which you instruct your bank account to deduct a specified amount of money from your account daily towards investing into a SIP portfolio. Once you register for Mandate, you don’t have to follow the payment process every time you invest in the SIP.

Very High Risk

Elss

4 Star

NAV as of May 09, 2025

₹47.31

-0.7%1D Change

Returns since inception

15.92%p.a.

Very High Risk

Elss

4 Star

NAV as of May 09, 2025

₹47.31

-0.7%1D Change

Returns since inception

15.92%p.a.

Tata ELSS Tax Saver Fund Growth Direct Plan

Very High Risk|Elss|4 Star

NAV as of May 09, 2025

₹47.31

-0.7%1D

Returns since inception

15.92%p.a.

Save up to Rs 46,800 in taxes every year.
Highest returns compared to other 80C investments.
Lowest lock-in of 3 years

	Tax Saving FD	PPF	ELSS
Average Annualised Returns i	6%	8%	12%
Tax rates i	30%	Not taxable	10%*
Returns after tax i	4.2%	8.00%	10.80%
Current rate of Inflation i	4%	4%	4%
Real Rate of Return i	0.2%	4.00%	6.80%
Lock-in Period i	5 years	15 years	3 years

*Taxable @ 10% over and above Rs 1 lakh.

Returns calculator

Investment Type

Monthly SIP

One-Time

Investment

₹4000

₹

Investment Period

yrs

Total investment₹9.6 Lakhs

Profit₹0

Final Value₹0

Absolute returnNaN%

Fund overview

Rating4 Star
Expense ratio0.74%
Exit Load0% within 0 days
AUM (Fund size)₹4,335.4 Crore
Lock-in period3 years
Age10 yrs since Oct 13, 2014
Min. investmentSIP ₹500 & Lump. ₹500
RiskVery High
Short-term capital gains (STCG)Returns taxed at 20% if you redeem before 1 year
Long-term capital gains (LTCG)After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

Fund Distribution

Equity

94.79%

Debt

Others

5.21%

Top Holdings

Top Sectors

Holding Name	Assets (%)
HDFC Bank Ltd	7.27%
ICICI Bank Ltd	6.61%
Infosys Ltd	4.2%
Reliance Industries Ltd	3.97%
State Bank of India	3.87%

Peer Comparison

Overview

Returns

Risk Ratios

Fund Name	AUM (In Crs.)	NAV	Risk
DSP ELSS Tax Saver Fund D...	₹ 12,086 Cr	₹104.46 \| 0.83%	Very High
ICICI Prudential ELSS Tax...	₹ 13,633 Cr	₹991.83 \| 0.34%	Very High
Edelweiss ELSS Tax saver ...	₹ 384 Cr	₹120.79 \| -0.92%	Very High
Canara Robeco ELSS Tax Sa...	₹ 8,516 Cr	₹183.45 \| -0.70%	Very High

Key risk & return ratios

Compared to other funds in the category

Ratio	This Fund	Category Avg	Insight
Alpha	0.16%	1.41%	Below category avg
Beta	0.97%	0.92%	Below category avg
Returns generated per unit risk	1.14%	1.16%	Below category avg
Downside Capture ratio	94.02%	91.24%	Below category avg

NAV History - Tata ELSS Tax Saver Fund- Direct Plan - Growth Option

FUND	Tata ELSS Tax Saver Fund- Direct Plan - Growth Option
NAV (May 09, 2025)	₹47.31
Class	ELSS \| ELSS (Tax Savings)
Inception Date	Oct 13, 2014
Fund Manager	Sailesh Jain, Tejas Gutka

FUND	Tata ELSS Tax Saver Fund- Direct Plan - Growth Option
Initial Price	₹10
Min. Investment Amount	SIP ₹500 and Lump. ₹500
Exit Load	0% within 0 days

Returns	1W	1M	3M	6M	1Y	3Y
Tata ELSS Tax Saver	-0.13%	6.5%	-0.04%	-5.12%	10.06%	18.1%

About Tata Asset Management Limited

Tata Mutual Fund is a part of the prestigious Tata Group of companies. The fund house was established in 1994 with their business model based on trust, service and performance. The company, with its investment products, intends to make the lives of investors better. You will find mutual fund plans to achieve various financial goals.

Tata Asset Management Limited Details

No. of schemes108
Total AUM₹61,684.02 Crore
AddressTata Asset Management Private Limited, Mafatlal Centre, 9th Floor, Mumbai, 400 021
Phone+91 22 6657 8282

Frequently Asked Questions

What are equity funds?

What are large cap, mid cap, small cap and multi cap equity funds?

What are ELSS funds?

What are Bluechip funds?

What is a lock-in period?

Is KYC necessary for BLACK?

What is a Mandate (Auto-SIP)?

Start your investment

Lumpsum

SIP

Amount

₹

Estimated value after 3 years

(as per historical returns)

2.4 Lakhs ₹

Min investment of ₹500 required