January 21, 2026
RA Jainee
Franklin India ELSS Tax Saver Fund
| Fund at a Glance | |
| NAV Growth (Rs.) | 1649.25 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | 77.72 |
| Min. Investment (Rs.) | 500 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 12 |
| Benchmark | NIFTY 500 TRI |
| AUM Rs. | 6,693 Cr |
| (As on 31-Dec-2025) | |
| Expense | 1.05% |
| 1 Year Return (%) | 5.87 |
| 3 Year Return (%) | 18.81 |
| 5 Year Return (%) | 17.91 |
| 10 Year Return (%) | 15.16 |
| Return Since Launch | 15.82% |
⚖️ Sahifund Review – Franklin India ELSS Tax Saver Fund ✔
PLUS: Stability, track record, cost efficiency
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MINUS: Large AUM, large-cap bias, momentum lag
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Sahifund View (Decisive Line):
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
ELSS funds are suitable for investors:
1. Seeking tax savings u/s 80C through a diversified equity portfolio
2. Aiming for long-term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
• The fund has a lock-in-period of 3 years
Fund’s Investment Strategy:
The scheme seeks medium to long term growth of capital, with income tax rebate. The scheme invests in equities and there is an exposure to PSU Bonds and debentures and Money Market instruments.
Fund Manager:
1) Rajasa Kakulavarapu
Education: Ms. Kakulavarapu has done B.Tech and MBA.
Experience: Prior to joining Franklin Templeton Mutual Fund, she has worked with Jefferies India Pvt. Ltd. and Credit Suisse Securities (India) Pvt. Ltd.
2) R Janakiraman
Education: Mr. Janakiraman is a B.E and PGDM (Business Management).
Experience: Prior to joining Franklin Templeton Investments, he has worked with Indian Syntans Inv. Pvt. Ltd., Citicorp Information Tech Ltd. and UTI Securities Exchange Ltd.
Investment Details
| Min. Investment (Rs) | 500 |
| Min. Addl Investment (Rs) | 500 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs) | 500 |
| Lock-in Period | 3 Years |
| Exit Load | 0 |
Basic Details of Franklin India ELSS Tax Saver Fund
| Fund House | Franklin Templeton Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 15.82% |
| Benchmark | NIFTY 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets (RS) | 6,693 Cr |
| (As on 31-Dec-2025) | |
| Expense | 1.05% |
| (As on 31-Dec-2025) | |
| Risk Grade | Below Average |
| Return Grade | Above Average |
| Turnover | 14.35% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Franklin India ELSS Tax Saver Dir | -1.43 | 0.07 | -1.01 | -1.37 | -0.90 | 5.87 | 18.81 | 17.91 | 16.30 | 15.16 |
| BSE 500 TRI | -1.63 | 0.08 | -0.40 | -0.24 | 0.50 | 9.14 | 16.12 | 15.58 | 15.63 | 15.45 |
| Equity: ELSS | -1.50 | 0.15 | -0.63 | -1.00 | -0.45 | 6.87 | 17.62 | 16.54 | 16.43 | 15.79 |
| Rank within category | 20 | 26 | 30 | 26 | 28 | 27 | 11 | 10 | 17 | 15 |
| Number of funds in category | 40 | 40 | 40 | 40 | 40 | 39 | 36 | 33 | 30 | 28 |
Peer Comparison of Franklin India ELSS Tax Saver Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs. Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Franklin India ELSS Tax Saver Dir | 4 star | 5.87 | 18.81 | 17.91 | 1.05 | 6,693 | 15.82 | — | 13Y | 14.35 |
| SBI ELSS Tax Saver Dir | 5 star | 7.81 | 23.97 | 20.93 | 0.92 | 32,609 | 16.25 | — | 13Y | 12.00 |
| DSP ELSS Tax Saver Dir | 4 star | 11.39 | 20.89 | 19.35 | 0.67 | 17,609 | 17.69 | — | 13Y | 35.00 |
| HDFC ELSS Tax Saver Dir | 5 star | 12.09 | 21.73 | 21.14 | 1.08 | 17,163 | 15.22 | — | 13Y | 12.19 |
| Bandhan ELSS Tax Saver Dir | 4 star | 9.87 | 16.51 | 18.79 | 0.66 | 7,333 | 17.29 | — | 13Y | 33.00 |
Portfolio Analysis of Franklin India ELSS Tax Saver Fund
| No. of Stocks | 52 |
| Top 10 Stocks | 49.96% |
| Top 5 Stocks | 30.99% |
| Top 3 Sectors | 60.64% |
| Portfolio P/B Ratio | 3.72 |
| Portfolio P/E Ratio | 26.49 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 3,08,289 | 2,10,955 |
| Giant (%) | — | — |
| Large (%) | 80.46 | 64.28 |
| Mid (%) | 10.77 | 18.72 |
| Small (%) | 8.77 | 19.21 |
| Tiny (%) | — | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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