Should I invest in BANDHAN ELSS Tax Saver Fund?

We don't give personal investment advice. BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW 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: 25.0%. 5-year CAGR: 5.51%.

Bandhan

BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW

Latest NAV

₹40.0710

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%	+0.12%	+0.54	8 / 76	Q1
1W	-0.87%	-1.31%	+0.44	12 / 76	Q1
2W	+0.50%	+0.08%	+0.42	20 / 76	Q2
1M	-0.60%	-0.99%	+0.38	18 / 76	Q1
3M	-7.65%	-0.23%	-7.42	71 / 76	Q4
6M	-10.78%	-4.25%	-6.52	68 / 76	Q4
YTD	-11.39%	-3.63%	-7.76	68 / 76	Q4
1Y	-4.91%	+1.70%	-6.61	41 / 76	Q3
2Y	-3.84%	+3.10%	-6.94	67 / 75	Q4
3Y	+3.19%	+10.95%	-7.76	73 / 75	Q4
4Y	+5.51%	+11.02%	-5.51	65 / 69	Q4
5Y	+5.51%	+10.65%	-5.14	58 / 65	Q4
7Y	+9.90%	+11.69%	-1.79	31 / 63	Q2
10Y	+9.41%	+10.10%	-0.69	33 / 46	Q3
Inception	+9.01%	+10.74%	-1.73	60 / 76	Q4

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	-11.39%	-5.99%	-5.40	62 / 70
2025	+1.14%	+2.19%	-1.05	48 / 70
2024	+6.20%	+16.51%	-10.31	70 / 70
2023	+21.91%	+24.04%	-2.13	35 / 68
2022	+0.32%	+1.46%	-1.14	47 / 65
2021	+41.86%	+33.28%	+8.59	12 / 68
2020	+19.99%	+13.91%	+6.08	12 / 68
2019	+0.76%	+5.99%	-5.23	49 / 66
2018	-14.25%	-7.59%	-6.67	42 / 56
2017	+36.92%	+29.87%	+7.05	12 / 50
2016	-8.24%	+1.05%	-9.30	45 / 46

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

+12.78%

152 windows

min -36.3% · max 108.2%

66% positive

3-Year rolling

+10.44%

127 windows

min -11.5% · max 34.6%

93% positive

5-Year rolling

+10.74%

103 windows

min -7.5% · max 22.0%

94% positive

7-Year rolling

+9.96%

79 windows

min 1.5% · max 13.9%

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

14.49%

3-year · annualised

Sharpe ratio

-0.16

vs risk-free 6.5%

Sortino ratio

-0.20

Downside-only deviation

Max drawdown

-24.97%

Sep 2024 → Mar 2026

% positive months

66.7%

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 - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Direct Plan - IDCW	Mirae Asset	₹25.6530	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹40.0710
2 Jun 2026	₹40.1840
1 Jun 2026	₹39.9200
31 May 2026	₹40.1060
29 May 2026	₹40.1060
27 May 2026	₹40.5820
26 May 2026	₹40.5370
25 May 2026	₹40.5920
22 May 2026	₹40.1210
21 May 2026	₹39.9490

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 - IDCW is ₹40.0710. It's a ELSS from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of -4.91% — -6.61 pp behind the ELSS category average of 1.70%. The fund ranks #41 of 76 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW has delivered a CAGR of 3.19% — -7.76 pp behind the ELSS category average of 10.95%. The fund ranks #73 of 75 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW has delivered a CAGR of 5.51% — -5.14 pp behind the ELSS category average of 10.65%. The fund ranks #58 of 65 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹245,798 today — a multiplier of 2.46×, based on the 10-year CAGR of 9.41%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹633,192 today. That's an XIRR (money-weighted annualised return) of 2.12%.

A ₹10,000 monthly SIP for 10 years in BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,858,316 (multiplier 1.55×). XIRR: 8.47%. 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 - IDCW ranks #58 out of 65 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.65%; this fund delivered 5.51%.

The worst peak-to-trough decline BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW has experienced over the last 5-year window is 24.97% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 2026. 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 - IDCW averaged 10.74% (best 22.02%, worst -7.51%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is 0.00 — weak risk-adjusted performance.

In calendar year 2025, BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW returned 1.14% — lagging the ELSS category average of 2.19% by 1.05 pp. It ranked #48 of 70 in its category that year.

BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW 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 - IDCW 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: 25.0%. 5-year CAGR: 5.51%.

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