Should I invest in BANDHAN ELSS Tax Saver Fund?

We don't give personal investment advice. BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 18.4%. 5-year CAGR: 13.58%.

Bandhan

BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth

Latest NAV

₹173.1540

As of

3 Jun 2026

3,309 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.66%	+0.24%	+0.42	8 / 59	Q1
1W	-0.87%	-1.27%	+0.40	13 / 59	Q1
2W	+0.50%	+0.30%	+0.20	21 / 59	Q2
1M	-0.60%	-0.87%	+0.26	19 / 59	Q2
3M	-1.45%	+0.83%	-2.29	35 / 59	Q3
6M	-4.78%	-2.14%	-2.64	35 / 59	Q3
YTD	-5.44%	-1.56%	-3.88	34 / 59	Q3
1Y	+1.47%	+5.96%	-4.49	28 / 59	Q2
2Y	+2.99%	+5.58%	-2.59	35 / 58	Q3
3Y	+12.81%	+14.58%	-1.77	41 / 58	Q3
4Y	+14.21%	+14.85%	-0.64	29 / 51	Q3
5Y	+13.58%	+14.46%	-0.88	26 / 47	Q3
7Y	+15.84%	+15.51%	+0.33	20 / 45	Q2
10Y	+15.95%	+14.50%	+1.44	7 / 27	Q2
Inception	+16.49%	+14.13%	+2.36	14 / 59	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-5.44%	-4.44%	-1.00	28 / 53
2025	+8.71%	+3.70%	+5.01	10 / 53
2024	+14.39%	+20.13%	-5.74	40 / 53
2023	+28.93%	+30.82%	-1.89	25 / 51
2022	+5.46%	+3.78%	+1.68	18 / 47
2021	+49.25%	+39.32%	+9.93	10 / 50
2020	+19.96%	+18.42%	+1.54	15 / 50
2019	+3.29%	+6.48%	-3.20	36 / 47
2018	-8.11%	-7.38%	-0.73	27 / 37
2017	+53.94%	+38.27%	+15.67	2 / 31
2016	+0.79%	+5.54%	-4.75	22 / 27

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+20.56%

152 windows

min -36.3% · max 108.3%

82% positive

3-Year rolling

+17.66%

127 windows

min -7.6% · max 39.2%

95% positive

5-Year rolling

+17.47%

103 windows

min -1.7% · max 29.7%

99% positive

7-Year rolling

+16.37%

79 windows

min 9.3% · max 20.0%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

12.48%

3-year · annualised

Sharpe ratio

0.51

vs risk-free 6.5%

Sortino ratio

0.78

Downside-only deviation

Max drawdown

-17.70%

Sep 2024 → Mar 2025

% positive months

75.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC ELSS Tax saver - Growth Option - Direct Plan	HDFC	₹1,421.3430	3 Jun 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹140.6038	3 Jun 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹458.2222	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹990.7700	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹138.0800	3 Jun 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹443.2149	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹66.4800	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹62.1822	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,537.4743	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Direct Plan - Growth	Mirae Asset	₹54.9000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹173.1540
2 Jun 2026	₹173.6430
1 Jun 2026	₹172.5030
31 May 2026	₹173.3050
29 May 2026	₹173.3080
27 May 2026	₹175.3620
26 May 2026	₹175.1690
25 May 2026	₹175.4050
22 May 2026	₹173.3700
21 May 2026	₹172.6290

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth is ₹173.1540. It's a ELSS from Bandhan, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth is managed by Bandhan. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth has delivered a absolute return of 1.47% — -4.49 pp behind the ELSS category average of 5.96%. The fund ranks #28 of 59 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth has delivered a CAGR of 12.81% — -1.77 pp behind the ELSS category average of 14.58%. The fund ranks #41 of 58 in its category — the third (Q3) quartile.

Over the trailing 5-year window, BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth has delivered a CAGR of 13.58% — -0.88 pp behind the ELSS category average of 14.46%. The fund ranks #26 of 47 in its category — the third (Q3) quartile.

₹1 lakh invested in BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹439,098 today — a multiplier of 4.39×, based on the 10-year CAGR of 15.95%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

A ₹10,000 monthly SIP in BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹784,553 today. That's an XIRR (money-weighted annualised return) of 10.66%.

A ₹10,000 monthly SIP for 10 years in BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,683,832 (multiplier 2.24×). XIRR: 15.37%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth ranks #26 out of 47 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 14.46%; this fund delivered 13.58%.

The worst peak-to-trough decline BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth has experienced over the last 5-year window is 18.35% — its NAV fell from a high on 17 Jan 2022 to a low on 20 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth averaged 17.47% (best 29.66%, worst -1.68%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.55 — reasonable risk-adjusted performance.

In calendar year 2025, BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth returned 8.71% — beating the ELSS category average of 3.70% by 5.01 pp. It ranked #10 of 53 in its category that year.

BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 18.4%. 5-year CAGR: 13.58%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.