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HDFC ELSS Tax Saver Fund

Home Mutual Fund HDFC ELSS Tax Saver Fund
Updated: 24-10-2025 13:15:06 PM

Investment Objective

HDFC ELSS Tax Saver Fund aims to generate capital appreciation or income from a portfolio consisting predominantly of equity and equity related instruments.

Investment Strategies

  • The fund invests 80-100% of its portfolio in equity or equity related instruments.
  • The equity strategy used for this fund focuses on providing capital appreciation over the long term through a diversified portfolio of mid- and large-cap companies.
  • The fund manager selects these companies based on these parameters
    • Should be fundamentally strong with growth drivers in medium to long term
    • Should be competitively placed in an industry with good prospects
    • Should have strong management with an ability to capitalize on opportunities while managing risks
  • When selecting stocks, the fund manager will also look into the:
    • stage and trajectory of industry cycle and take a risk-adjusted view so as to position ahead of the market
    • track record of corporate governance, ESG sensitivity and transparency
  • The fund takes holistic approach to valuations to provide a reasonable margin of safety without relying solely on traditional parameters like P/E or P/B ratios
  • The fund’s stock selection will be strategic and long term in nature, instead of being tactical in nature
  • Its sectoral allocation is primarily a function of bottom-up stock selection and sectoral weightage of its benchmark index.
  • The scheme is free to invest across market cap segments based on the relative attractiveness of opportunities present in each market segment.

Who Should Invest

  • Investors with an investment horizon of at least 3 years as the fund has a lock in period of 3 years, which is lower than other investment options like PPF, NSC or tax saving bank FDs
  • Investors seeking to avail dual benefits of wealth creation as well as tax deduction of up to Rs 1.5 lakh under Section 80C (under the old tax regime)
  • Those seeking a sound and disciplined approach to investing during volatile equity markets
  • Those seeking to generate capital appreciation over long term or income investment primarily of equity and equity related instruments
  • Those seeking to benefit from the long-term growth of quality companies
  • Those looking for a sound and disciplined approach to investing in volatile times
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