Bank Of India Elss Tax Saver Overview
Category	ELSS (Tax Saving) Fund
BMSMONEY Rank	16
BMSMONEY Rating
Gro. Opt.	As On:	17-01-2025
NAV	₹159.46_(R)		-0.08%	₹184.6_(D)	-0.08%
Returns	1Y	3Y	5Y	7Y	10Y
LumpSum_(R)	15.38%	14.55%	22.83%	15.29%	15.5%
LumpSum_(D)	16.64%	15.83%	24.17%	16.58%	16.94%
SIP_(R)	-1.72%	21.27%	22.42%	21.15%	18.73%
SIP_(D)	-0.58%	22.63%	23.79%	22.47%	20.05%
Ratio	Sharpe Ratio	Sortino Ratio	Sterling Ratio	Jensen's Alpha	Treynor Ratio
Ratio	0.64	0.35	0.62	2.02%	0.09
Risk	STD. Dev	VaR 1Y95%	Max DD	Beta	Semi Devi.
Risk	14.7%	-16.78%	-17.52%	1.0	10.14%

Top ELSS (Tax Saving) Fund
Fund Name	Rank	Rating
Motilal Oswal ELSS Tax Saver Fund	1
Sbi Long Term Equity Fund	2
Hdfc Taxsaver	3
Hsbc Tax Saver Equity Fund	4
Taurus ELSS tax saver fund	5
Quantum ELSS Tax Saver Fund	6
Parag Parikh ELSS Tax Saver Fund	7

NAV Date: 17-01-2025

Scheme Name	NAV	Rupee Change	Percent Change
BANK OF INDIA ELSS Tax Saver -ECO Plan-IDCW	28.59	-0.0300	-0.1000%
BANK OF INDIA ELSS Tax Saver -Regular Plan-IDCW	30.72	-0.0200	-0.0700%
BANK OF INDIA ELSS Tax Saver -Direct Plan-IDCW	73.73	-0.0500	-0.0700%
BANK OF INDIA ELSS Tax Saver -Regular Plan- Growth	159.46	-0.1300	-0.0800%
BANK OF INDIA ELSS Tax Saver -ECO Plan-Growth	172.26	-0.1400	-0.0800%
BANK OF INDIA ELSS Tax Saver -Direct Plan- Growth	184.6	-0.1500	-0.0800%

Review Date: 17-01-2025

Bank of India ELSS Tax Saver has exhibited average performance in the ELSS (Tax Saving) Fund category. The fund has rank of 16 out of 33 funds in the category. The fund has delivered return of 15.38% in 1 year, 14.55% in 3 years, 22.83% in 5 years and 15.5% in 10 years. The category average for the same periods is 14.66%, 12.69%, 17.56% and 12.94% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 14.7, VaR of -16.78, Average Drawdown of -6.91, Semi Deviation of 10.14 and Max Drawdown of -17.52. The category average for the same parameters is 13.18, -15.91, -5.63, 9.14 and -12.47 respectively. The fund has high risk in the category.

Key Points:

An investment of ₹10,000 in Bank of India ELSS Tax Saver direct growth option would have grown to ₹11664.0 in 1 year, ₹15539.0 in 3 years and ₹29517.0 in 5 years as of today (17-01-2025).
An SIP of ₹1,000 per month in Bank of India ELSS Tax Saver direct growth option would have grown to ₹11962.0 in 1 year, ₹50105.0 in 3 years and ₹108260.0 in 5 years as of today (17-01-2025).
standard deviation of 14.7 and based on VaR one can expect to lose more than -16.78% of current value of fund in one year.
Sharpe ratio of the fund is 0.64 which shows good performance of fund in the elss (tax saving) fund category.
The fund has R-square of 0.87, Beta of 1.0 and Jensen's Alpha of 2.02% which exhibit good performance in the elss (tax saving) fund category .

Select Parameter:

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KPIs^*	Fund	Cat. Avg	Min \| Max	Rank _{(In Cat.)}	Performance
1M Return %	-9.10	-6.64	-11.37 \| -4.27	37 \| 40	Poor
3M Return %	-6.61	-6.90	-11.99 \| -2.71	19 \| 40	Good
6M Return %	-8.50	-4.95	-14.75 \| 4.93	36 \| 40	Poor
1Y Return %	15.38	14.66	0.15 \| 32.77	17 \| 40	Good
3Y Return %	14.55	12.69	5.53 \| 21.57	10 \| 34	Good
5Y Return %	22.83	17.56	10.85 \| 29.40	3 \| 33	Very Good
7Y Return %	15.29	12.76	7.88 \| 20.01	6 \| 30	Very Good
10Y Return %	15.50	12.94	9.45 \| 19.29	2 \| 23	Very Good
15Y Return %	13.49	13.31	10.87 \| 15.77	9 \| 20	Good
1Y SIP Return %	-1.72	2.62	-12.35 \| 17.42	33 \| 40	Poor
3Y SIP Return %	21.27	18.13	12.69 \| 32.25	8 \| 34	Very Good
5Y SIP Return %	22.42	19.39	12.61 \| 27.82	6 \| 33	Very Good
7Y SIP Return %	21.15	17.46	11.21 \| 24.79	4 \| 30	Very Good
10Y SIP Return %	18.73	15.58	10.82 \| 22.16	2 \| 23	Very Good
15Y SIP Return %	16.96	15.13	12.51 \| 19.41	3 \| 21	Very Good
Standard Deviation	14.70	13.18	10.05 \| 16.99	31 \| 33	Poor
Semi Deviation	10.14	9.14	7.17 \| 11.99	31 \| 33	Poor
Max Drawdown %	-17.52	-12.47	-22.25 \| -6.80	31 \| 33	Poor
VaR 1 Y %	-16.78	-15.91	-23.69 \| -11.90	25 \| 33	Average
Average Drawdown %	-6.91	-5.63	-8.24 \| -3.12	28 \| 33	Poor
Sharpe Ratio	0.64	0.62	0.04 \| 1.31	14 \| 33	Good
Sterling Ratio	0.62	0.71	0.23 \| 1.24	22 \| 33	Average
Sortino Ratio	0.35	0.34	0.05 \| 0.73	14 \| 33	Good
Jensen Alpha %	2.02	2.70	-7.10 \| 12.72	16 \| 33	Good
Treynor Ratio	0.09	0.09	0.01 \| 0.20	14 \| 33	Good
Modigliani Square Measure %	15.80	16.14	6.52 \| 25.68	14 \| 33	Good
Alpha %	1.76	1.81	-8.52 \| 11.50	15 \| 33	Good

_{Return data last Updated On :
Jan. 17, 2025.

Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On :

Dec. 31, 2024

KPIs: Key Performance Indicators}

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KPIs^*	Fund	Cat. Avg	Min \| Max	Rank _{(In Cat.)}
1M Return %	-9.02	-6.54	-11.24 \| -4.17	38 \| 41
3M Return %	-6.35	-6.65	-11.74 \| -2.32	19 \| 41
6M Return %	-7.99	-4.45	-14.29 \| 5.56	37 \| 41
1Y Return %	16.64	15.88	1.53 \| 34.36	18 \| 41
3Y Return %	15.83	13.94	6.36 \| 23.05	10 \| 34
5Y Return %	24.17	18.91	11.77 \| 31.46	2 \| 33
7Y Return %	16.58	13.99	8.67 \| 21.69	5 \| 30
10Y Return %	16.94	13.98	10.28 \| 20.55	2 \| 24
1Y SIP Return %	-0.58	3.75	-11.39 \| 18.88	35 \| 41
3Y SIP Return %	22.63	19.44	13.89 \| 33.85	8 \| 34
5Y SIP Return %	23.79	20.77	13.51 \| 29.38	6 \| 33
7Y SIP Return %	22.47	18.72	12.13 \| 26.67	4 \| 30
10Y SIP Return %	20.05	16.61	11.79 \| 23.68	2 \| 24
Standard Deviation	14.70	13.18	10.05 \| 16.99	31 \| 33
Semi Deviation	10.14	9.14	7.17 \| 11.99	31 \| 33
Max Drawdown %	-17.52	-12.47	-22.25 \| -6.80	31 \| 33
VaR 1 Y %	-16.78	-15.91	-23.69 \| -11.90	25 \| 33
Average Drawdown %	-6.91	-5.63	-8.24 \| -3.12	28 \| 33
Sharpe Ratio	0.64	0.62	0.04 \| 1.31	14 \| 33
Sterling Ratio	0.62	0.71	0.23 \| 1.24	22 \| 33
Sortino Ratio	0.35	0.34	0.05 \| 0.73	14 \| 33
Jensen Alpha %	2.02	2.70	-7.10 \| 12.72	16 \| 33
Treynor Ratio	0.09	0.09	0.01 \| 0.20	14 \| 33
Modigliani Square Measure %	15.80	16.14	6.52 \| 25.68	14 \| 33
Alpha %	1.76	1.81	-8.52 \| 11.50	15 \| 33

Investment Period	Regular		Direct
Investment Period	Return %	Current Value of ₹ 10000	Return %	Current Value of ₹ 10000
1D	-0.08	₹ 9,992.00	-0.08	₹ 9,992.00
1W	0.00	₹ 10,000.00	0.02	₹ 10,002.00
1M	-9.10	₹ 9,090.00	-9.02	₹ 9,098.00
3M	-6.61	₹ 9,339.00	-6.35	₹ 9,365.00
6M	-8.50	₹ 9,150.00	-7.99	₹ 9,201.00
1Y	15.38	₹ 11,538.00	16.64	₹ 11,664.00
3Y	14.55	₹ 15,029.00	15.83	₹ 15,539.00
5Y	22.83	₹ 27,961.00	24.17	₹ 29,517.00
7Y	15.29	₹ 27,073.00	16.58	₹ 29,260.00
10Y	15.50	₹ 42,252.00	16.94	₹ 47,824.00
15Y	13.49	₹ 66,720.00		₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period	Invested Amount	Regular		Direct
Investment Period	Invested Amount	XIRR %	Current Value of Invested Amount	XIRR %	Current Value of Invested Amount
1Y	₹ 12000	-1.72	₹ 11,888.02	-0.58	₹ 11,962.49
3Y	₹ 36000	21.27	₹ 49,170.10	22.63	₹ 50,105.09
5Y	₹ 60000	22.42	₹ 104,739.84	23.79	₹ 108,260.04
7Y	₹ 84000	21.15	₹ 178,623.23	22.47	₹ 187,195.09
10Y	₹ 120000	18.73	₹ 321,796.44	20.05	₹ 345,687.12
15Y	₹ 180000	16.96	₹ 731,936.34		₹

Date	Bank Of India Elss Tax Saver NAV Regular Growth	Bank Of India Elss Tax Saver NAV Direct Growth
17-01-2025	159.46	184.6
16-01-2025	159.59	184.75
15-01-2025	156.89	181.62
14-01-2025	156.35	180.98
13-01-2025	153.4	177.56
10-01-2025	159.46	184.56
09-01-2025	162.34	187.89
08-01-2025	164.5	190.38
07-01-2025	166.06	192.18
06-01-2025	164.41	190.26
03-01-2025	168.87	195.41
02-01-2025	169.28	195.88
01-01-2025	167.83	194.2
31-12-2024	166.83	193.04
30-12-2024	166.36	192.49
27-12-2024	168.91	195.42
26-12-2024	169.24	195.79
24-12-2024	169.66	196.26
23-12-2024	169.29	195.83
20-12-2024	169.68	196.26
19-12-2024	173.08	200.19
18-12-2024	174.32	201.62
17-12-2024	175.43	202.9

Fund Launch Date: 12/Dec/2008
Fund Category: ELSS (Tax Saving) Fund
Investment Objective: The Scheme seeks to generate long-term capital growth from a diversified portfolio ofpredominantly equity and equity-related securities across all market capitalisations. The Scheme is in the nature of diversified multi-cap fund. The Scheme is not providing any assured or guaranteed returns. There can be no assurance that the investment objectives of the Scheme will be realized.
Fund Description: An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit
Fund Benchmark: BSE 500 Total Return Index (Total Return Index)

_{Source: Fund FactSheet}

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.

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