MonitorDirect · GrowthWatch before adding
Samco ELSS Tax Saver Fund
Samco Mutual FundEquity Schemes - ELSS- Tax Saver Fund3.8 years
The scheme seeks to generate long-term capital appreciation through investments made predominantly in equity and equity related instruments.
- NAV
- 13.26
- 29 Oct 2026
- 1Y
- -3.2%
- Trailing CAGR
- Upside capture
- +93%
- Vs NIFTY 500 TRI
- Downside capture
- +104%
- Lower is better
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer HSBC ELSS Tax saver Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.8 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Watch
1.98% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -29.6%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Vishal Shinde · 0.3 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / lock-in
Watch
ELSS locks each installment for 3 years. Useful only if 80C is open on the old regime - otherwise locked equity.
Portfolio concentration
Pass
Top 10 holdings ≈ 37.3% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 30%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
ELSS lock-in
Every installment locks for 3 years. Only useful if 80C is still open on the old regime - otherwise it is locked equity, not a tax cut.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-3.2%
- 3Y+3.5%
- 5Yn/a
- 10Yn/a
- SI+7.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.5%
- 3Y-1.1%
- 5Yn/a
- 10Yn/a
- Since inception
- +7.6%
- Calendar-day CAGR
- Excess 1Y
- +2.1%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- -1.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +1.3%
- 207 daily-ending windows
- Median rolling 3Y
- +6.4%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +4.4%
- Fund minus TRI
- 3Y excess
- -6.9%
- Fund minus TRI
- Upside capture
- +93%
- Benchmark-up months
- Downside capture
- +104%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -29.6%
- Worst peak-to-trough
- Current
- -16.6%
- Below last peak
- Current spell
- 687 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 41 recovered episodes
- Longest recovery
- 48 days
- Trough to prior peak
11 Dec 2024 – open
Trough 3 Mar 2025 · not recovered
-29.6%
16 Sept 2024 – 10 Dec 2024
Trough 13 Nov 2024 · recovered in 27 days
-9.2%
31 Jul 2024 – 2 Sept 2024
Trough 6 Aug 2024 · recovered in 27 days
-7.0%
7 Feb 2024 – 30 Apr 2024
Trough 13 Mar 2024 · recovered in 48 days
-6.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
63
Consistency
4
Risk-adjusted
34
Drawdown
26
Mean
26
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
30 Sept 2026 · 36 holdings · top 10 are 37.3%.
- Top 5
- 20.6%
- Top 10
- 37.3%
- Largest holding
- 5.2%
- Effective holdings
- 32.0
Welspun Corp Ltd
Materials
5.2%
Syrma SGS Technology Ltd
Technology
4.5%
Navin Fluorine International Ltd
Materials
3.9%
The Federal Bank Ltd
Financial
3.6%
Apar Industries Ltd
Diversified
3.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC ELSS Tax saver Fund
HSBC Mutual Fund
- 1Y
- -2.9%
- 3Y
- +15.4%
- Vol
- 15.4%
- Max DD
- -19.2%
- Sharpe
- 0.59
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
WhiteOak Capital ELSS Tax Saver Fund
WhiteOak Capital Mutual Fund
- 1Y
- -2.1%
- 3Y
- +15.8%
- Vol
- 13.2%
- Max DD
- -16.4%
- Sharpe
- 0.79
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Axis ELSS- Tax Saver Fund
Axis Mutual Fund
- 1Y
- -5.1%
- 3Y
- +10.7%
- Vol
- 15.2%
- Max DD
- -33.5%
- Sharpe
- 0.64
- 3Y win
- +49%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Bajaj Finserv ELSS - Tax Saver Fund
Bajaj Finserv Mutual Fund
- 1Y
- -3.7%
- 3Y
- n/a
- Vol
- 13.1%
- Max DD
- -13.5%
- Sharpe
- 0.13
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
BANDHAN ELSS - Tax Saver Fund
Bandhan Mutual Fund
- 1Y
- -5.1%
- 3Y
- +9.7%
- Vol
- 15.6%
- Max DD
- -42.6%
- Sharpe
- 0.67
- 3Y win
- +60%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown