HDFC ELSS TaxSaver IDCW-P

All Cap

Equity

India Tax Saver

Others

Tax Saver

Emotionally driven

Investor Profile

1–7 yearsInvestment Horizon

HNI, UHNI, Retail Investor, Mass AffluentTarget Segments

SEBI registered equity mutual fund suitable for all investor categoriesRegulatory Fit

Hdfc Elss Taxsaver Payout Of Income Distribution Cum Capital Withdrawal Option invests mainly in stocks for long-term wealth growth.

What This Strategy Does

HDFC ELSS TaxSaver Payout of Income Distribution cum Capital Withdrawal option is an equity fund which captures India's ₹30 trillion consumption and financialization opportunity through a blended, benchmark-aware approach, deploying capital across consumer, financial services, and industrial sectors to achieve broad-based earnings growth.

Performance and Risk Analysis

Historical returns, volatility patterns, and how this fund has performed relative to its benchmark.

Fund Performance

-10.9% AnnuallyAlpha

+-0.4% vs +10.5% benchmarkSince Inception

+3.4% vs +9.2% benchmark3Y Annualized

+2.5% vs +6.9% benchmark5Y Annualized

HDFC ELSS TaxSaver IDCW-P

Benchmark Index

Benchmark Performance Comparison

HDFC ELSS TaxSaver IDCW-P

NIFTY 50

Given the product’s limited performance history, the assessment considers the fund house’s track record and the historical performance of comparable strategies managed by the same fund house, which follow similar investment approaches. Such comparisons provide historical context only and do not represent the performance of the new product or indicate its future returns.

Risk Profile

Standard Deviation15.6%

Maximum Drawdown-13.0% | Oct 2024

Sharpe Ratio-0.39

Beta0.86

Upside Capture99%

Disclaimer: Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results and there is no assurance that the scheme's objective will be achieved. Specialised Investment Funds (SIF) involve a higher degree of risk and a minimum investment of ₹10 Lakhs.

Strategy Details

A closer look at the investment thesis, portfolio construction, and current holdings.

Core Investment Theme

Provides tax-efficient wealth creation by investing in India's most promising businesses across market cycles. This approach captures the long-term compounding power of equity while leveraging the tax benefits of ELSS funds. The impact is a dual advantage of tax savings and capital appreciation, translating into higher post-tax returns over time. Suitable for investors seeking tax-efficient equity exposure with a long-term horizon.

Portfolio Holdings Overview

SectoralAllocation

Capital Goods11.19%

Financial Services41.88%

Consumers22.56%

Services13.02%

Utilities1.79%

Technology6.82%

Energy & Infra2.74%

Geographic Allocation

Domestic100%

Top Stock Holdings

CompanySectorAllocation

ICICI Bank LtdFinancial Services9.14%

HDFC Bank LtdFinancial Services7.72%

Axis Bank LtdFinancial Services6.11%

Maruti Suzuki India LtdConsumers4.86%

Bharti Airtel LtdServices4.64%

State Bank of IndiaFinancial Services4.47%

Kotak Mahindra Bank LtdFinancial Services4.24%

SBI Life Insurance Co LtdFinancial Services3.49%

HCL Technologies LtdTechnology2.99%

Hyundai Motor India LtdConsumers2.71%

Fund House Management

The asset management company’s track record, AUM scale, and fund manager credentials.

Fund Manager Track Record

Dhruv Muchhal

Lead Portfolio Manager

Mr. Dhruv Muchhal has experience of 14 years. Manages 334 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹4,43,585 Cr Holds a B.Com degree.

Co-Portfolio Manager

CW Expert Take

HDFC AMC brings institutional rigour to focussed investing. Their strength lies in process consistency, whether managing large-cap equity or credit strategies, they maintain disciplined frameworks that have weathered multiple market cycles. The fund house benefits from deep research capabilities and a stable investment team that translates macro insights into portfolio positioning.

14 years

Combined Team Experience

₹ 4,43,585 Cr

Assets Under Management

Firm Overview

AMCHDFC Asset Management Co Ltd

Operational & Regulatory Details

What it costs to invest, transaction mechanics, and regulatory disclosures you should know.

Costs and Fees

Total Expense Ratio (TER)1.75%

Regulatory & Tax Information

INF179K01AZ9

ISIN

DailyDealing Frequency

BSE 500 India TR INRBenchmark

LTCG | >1Year 12.5%% on gain above 1.25 Lakh

STCG | <1Year 20%%

Tax Implications (India)