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HSBC ELSS Tax saver Fund - NAV, Returns, Performance & Investment Guide 2025

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Invest in HSBC ELSS Tax saver Fund: Latest NAV ₹148.89, 3-year returns 17.55%, minimum SIP ₹500. Get tax benefits up to ₹1.5 lakh under Section 80C with 3-year lock-in.

Investment Objective and Approach

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. For defensive considerations and/or managing liquidity, the Scheme may also invest in money market instruments.

The fund adopts a disciplined investment approach with the following key strategies:

- Disciplined investment approach with "fundamental research" as the foundation of our investment decision making process

- Focus on companies with an attractive combination of profitability and valuation

- Look to own scalable businesses with strong execution capability, proven management track record and strong financials

- True to label fund – The fund will stay true to its objective in keeping with the mandate reposed by the investor whilst investing in the fund

As an ELSS fund, it offers tax benefits where 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. The fund comes with a statutory lock-in period of 3 years from the date of investment.

Fund Managers

Cheenu Gupta is the Current Fund Manager of HSBC ELSS Tax Saver Fund Direct Growth fund. The fund management team also includes Gautam Bhupal, Abhishek Gupta, Sonal Gupta who are involved in managing this mutual fund.

Mr. Gupta is a B. Com., PGDM (Finance) CFA (Investments). Prior to joining HSBC Mutual Fund, he has worked with Edelweiss Asset Management Limited, Goldman Sachs, Baer Capital and Deutsche Asset Management.

About the Fund House (AMC)

HSBC Asset Management India is part of the global HSBC network and operates as a leading asset management company in India. HSBC is among the largest banking and financial services companies in the world. The company serves over 40 million customers worldwide through its global business. The company says they exist to utilise their unique expertise and capabilities to bring new opportunities to their customers.

HSBC Global Asset Management (India) Private Limited is one of the leading AMCs in the investment market of the country. It serves more than 1 million customers through its 1000 plus offices spread all over India. The company currently manages 81 schemes across various categories.

Key financial metrics as of recent dates:

- AUM: ₹4250.51 Cr as of 11th July 2025

- NAV: ₹148.89 as of 23 Jul 2025

- Expense Ratio: 1.14 as of 11th July 2025

- Returns: Over the last 1, 3 and 5 years the fund has given a CAGR return of 17.92%, 17.55% and 28.90% respectively

- Since Inception Return: 15.32% CAGR since inception

Should I Invest in HSBC ELSS Tax saver Fund?

This fund is suitable for investors seeking:

Tax Benefits: Investing in ELSS Funds makes you eligible to claim a tax deduction of up to Rs 1.5 lakh under Section 80C of the Income Tax Act 1961.

Long-term Wealth Creation: 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.

Investment Minimums: The minimum investment required to start investing in HSBC ELSS Tax Saver Fund is ₹500 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.

Key Considerations:

- Having a statutory lock-in period of 3 years, ELSS Funds enable long term wealth accumulation along with the benefit of tax saving.

- Warning: Do not invest in this, or any other ELSS, if you need to redeem your investment in less than five years.

- The HSBC ELSS Tax Saver Fund Direct Growth is rated Very High risk.

Tax Treatment: If you redeem within one year, returns are taxed at 20%. If you redeem after one year, returns exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%.

FAQs

What is today's NAV of HSBC ELSS Tax saver Fund?

The latest NAV varies by plan - Direct Growth is ₹148.89 as of July 23, 2025. NAV changes daily based on market conditions.

What is the AUM of HSBC ELSS Tax saver Fund?

The fund's AUM is ₹4,250.51 crores as of July 11, 2025. The AUM reflects the total value of assets managed by the fund.

What is the expense ratio of HSBC ELSS Tax saver Fund?

The expense ratio is 1.14% as of July 11, 2025 for the direct plan, which covers fund management and administrative costs.

What are the returns of HSBC ELSS Tax saver Fund since inception?

The fund has delivered a CAGR return of 15.32% since inception. Past performance doesn't guarantee future results.

What is the minimum SIP amount to invest in HSBC ELSS Tax saver Fund?

The minimum SIP amount to invest in this scheme is ₹500. You can also invest ₹500 as lump sum minimum.

How do I invest in HSBC ELSS Tax saver Fund?

You can invest through Allvest's platform by selecting the fund, choosing SIP or lump sum, and completing the KYC process. Investment can be made online with zero commission.

How to start a SIP in HSBC ELSS Tax saver Fund?

Through Allvest, select SIP option, choose frequency (monthly/quarterly), set amount (minimum ₹500), link bank account, and authorize auto-debit for seamless investments.

How do I automate an SIP in HSBC ELSS Tax saver Fund?

Set up auto-debit through Allvest by providing bank details and e-mandate authorization. Your SIP will automatically deduct the chosen amount on specified dates.

How can I withdraw/redeem my investment in HSBC ELSS Tax saver Fund?

Redemptions are only allowed after the 3-year lock-in period. Submit redemption request through Allvest platform, and proceeds will be credited to your registered bank account within 3-4 business days.