December 30, 2025
RA Jainee
Nippon India ELSS Tax Saver Fund
| Fund at a Glance | Â |
| NAV Growth (Rs.) | 143.65 |
| Yearly NAV IDCW (Rs.) | 23.94 |
| NAV IDCW (Rs.) | 48.46 |
| Min. Investment (Rs.) | 500 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 12 |
| Benchmark | NIFTY 500 TRI |
| AUM Rs. | 15,519 Cr |
| Â | (As on 30-Nov-2025) |
| Expense | 1.02% |
| 1 Year Return (%) | 6.21 |
| 3 Year Return (%) | 18.14 |
| 5 Year Return (%) | 19.87 |
| 10 Year Return (%) | 12.08 |
| Return Since Launch | 14.45% |
⚖️ Sahifund Review – Nippon India ELSS Tax Saver Fund
âś“ PLUS: Stability, long track record, reasonable cost
Nippon India ELSS Tax Saver Fund combines tax-saving under Section 80C with long-term equity growth, making it a popular core ELSS choice. The fund has delivered consistent 3–5 year performance, comfortably ahead of category averages. A well-diversified portfolio across large and mid caps helps balance growth and stability. Moderate expense ratio of 1.02% is competitive for an actively managed ELSS. Lower portfolio churn reflects a disciplined, long-term investment approach.
⚖️ MINUS: Large AUM, muted short-term returns, benchmark lag
With AUM above Rs. 15,500 Cr, nimbleness may be constrained during sharp market rotations. 1-year returns have been average, trailing some top ELSS peers in bull phases. Portfolio tilt towards large caps can lead to momentum lag when mid and small caps outperform. Mandatory 3-year lock-in limits liquidity flexibility.
Sahifund Verdict:
A reliable ELSS fund for steady tax-saving SIP investors, suitable for disciplined wealth creation rather than aggressive return chasing.
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.Â
Suitable For Which Investors?Â
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. In addition, there is a tax benefit. Under Section 80C of the Indian income tax laws, investments of up to Rs 1.5 lakh in a financial year in eligible securities such as this fund are exempt from tax.Â
But be prepared for ups and downs in your investment value along the way. Also note that you cannot withdraw your money from this fund before completing three years from the date of investment.Â
Like for all equity funds, you must invest only through the SIP route.Â
Fund’s Investment Strategy:Â
The scheme aims to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.Â
Fund Manager:Â
1) Rupesh PatelÂ
Education: Mr. Rupesh is a B.E.(Civil) and MBA (Finance)Â
Experience: Prior to joining Nippon India Mutual Fund, he has worked with Tata Asset Management Limited, Indiareit Fund Advisors Pvt. Ltd. and Credit Analysis & Research Ltd.Â
2) Ritesh RathodÂ
Education: Mr. Rathod has done CFA, FRM and MBA in FinanceÂ
Experience: Prior to joining Nippon India Mutual Fund, he has worked with Alchemy Capital and Mutual FundÂ
Investment Details
| Min. Investment (Rs) | 500 |
| Min. Addl Investment (Rs) | 500 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 100 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs) | 1 |
| Lock-in Period | 3 Years |
| Exit Load | 0 |
Basic Details of Nippon India ELSS Tax Saver Fund Â
| Fund House | Nippon India Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 14.45% |
| Benchmark | NIFTY 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 15,519 Cr |
| Â | (As on 30-Nov-2025) |
| Expense | 1.02% |
| Â | (As on 30-Nov-2025) |
| Risk Grade | Above Average |
| Return Grade | Above Average |
| Turnover | 14.00% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Nippon India ELSS Tax Saver Dir | 6.66 | -0.34 | -1.37 | 3.04 | 1.06 | 6.21 | 18.14 | 19.87 | 14.23 | 12.08 |
| BSE 500 TRI | 7.20 | -0.30 | -0.72 | 4.73 | 1.72 | 6.97 | 16.64 | 17.09 | 16.05 | 14.88 |
| Equity: ELSS | 4.35 | -0.36 | -1.08 | 3.57 | 1.03 | 4.25 | 18.42 | 18.12 | 16.79 | 15.13 |
| Rank within category | 14 | 15 | 28 | 24 | 23 | 16 | 15 | 9 | 26 | 27 |
| Number of funds in category | 39 | 40 | 40 | 40 | 40 | 39 | 34 | 33 | 30 | 27 |
Peer Comparison of Nippon India ELSS Tax Saver Fund
| Â | 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 (%) |
| Nippon India ELSS Tax Saver Dir | 3 star | 6.21 | 18.14 | 19.87 | 1.02 | 15,519 | 14.45 | — | 12Y 11M | 14.00 |
| SBI ELSS Tax Saver Dir | 5 star | 6.34 | 24.86 | 22.59 | 0.92 | 32,327 | 16.40 | — | 12Y 11M | 12.00 |
| DSP ELSS Tax Saver Dir | 4 star | 7.82 | 21.26 | 20.89 | 0.66 | 17,570 | 17.76 | — | 12Y 11M | 35.00 |
| HDFC ELSS Tax Saver Dir | 5 star | 10.09 | 21.88 | 22.58 | 1.08 | 17,241 | 15.32 | — | 12Y 11M | 12.19 |
| Bandhan ELSS Tax Saver Dir | 4 star | 8.58 | 17.90 | 21.18 | 0.65 | 7,327 | 17.55 | — | 12Y 11M | 33.00 |
Portfolio Analysis of Nippon India ELSS Tax Saver Fund
| No. of Stocks | 64 |
| Top 10 Stocks | 41.07% |
| Top 5 Stocks | 26.77% |
| Top 3 Sectors | 58.39% |
| Portfolio P/B Ratio | 3.29 |
| Portfolio P/E Ratio | 21.48 |
Portfolio Breakup
| Â | Fund | Category |
| Average Mkt Cap (Rs Cr) | 1,81,037 | 2,12,744 |
| Giant (%) | 53.41 | 57.04 |
| Large (%) | 21.51 | 17.86 |
| Mid (%) | 19.46 | 22.09 |
| Small (%) | 5.62 | 7.17 |
| Tiny (%) | — | 0.16 |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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