Compare mutual funds | Krystal Capitals

How much it grew
	A: HSBC ELSS Tax Saver Fund	B: ITI ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: JM ELSS Tax Saver Fund
3-year returnA year, on averageMiddle return of funds of this type we offer: +9.0% a year	+14.1%Higher	+12.6%	+13.0%	+13.7%
1-year returnTotal over the last year	−0.2%	−1.8%	−1.9%	+1.9%Higher
5-year returnA year, on average	Not enough history	+9.1%	Not enough history	+11.1%Higher
Since launchA year, on average, with at least a year of history	+14.4%from Nov 2022	+13.4%from Oct 2019	+14.7%Higherfrom Oct 2022	+9.0%from Apr 2008

How it held up in falls

Worst fall

Biggest drop from a high, and when

How it held up in falls
	A: HSBC ELSS Tax Saver Fund	B: ITI ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: JM ELSS Tax Saver Fund
Worst fallBiggest drop from a high, and when	−19.3%Dec 2024 – Feb 2025	−38.7%Jan 2020 – Mar 2020

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: HSBC ELSS Tax Saver Fund	B: ITI ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: JM ELSS Tax Saver Fund
3-year stretches that made moneyOut of every 3-year stretch on record	Not enough history	100%

Risk level

A: HSBC ELSS Tax Saver FundVery High
From the fund house, as of 30 Sept 2026
B: ITI ELSS Tax Saver FundSee the fund house's risk level
C: WhiteOak Capital Tax Saver FundVery High
From the fund house, as of 30 Sept 2026
D: JM ELSS Tax Saver FundSee the fund house's risk level

Often used for

What funds of this type are usually for

A: HSBC ELSS Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.
B: ITI ELSS Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.
C: WhiteOak Capital Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.
D: JM ELSS Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.

Smallest SIP

The basics
	A: HSBC ELSS Tax Saver Fund	B: ITI ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: JM ELSS Tax Saver Fund
Risk level	Very HighFrom the fund house, as of 30 Sept 2026	See the fund house's risk level	Very High

Return in each calendar year.

Year by year
	A: HSBC ELSS Tax Saver Fund	B: ITI ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: JM ELSS Tax Saver Fund
2026 so far (total, not a yearly rate)	+0.5%	−1.6%	−1.8%	+1.6%Higher
2025	+0.7%	+2.6%	+3.2%Higher	+2.5%
2024	+33.0%Higher	+22.2%	+28.2%	+29.0%
2023	+28.4%	+36.5%Higher	+32.2%	+30.9%
2022	Not enough history	+2.5%Higher	Not enough history	+0.5%
2021	Not enough history	+19.0%	Not enough history	+32.2%Higher

Past performance may or may not be sustained in future and is not a guarantee of future returns.

Worst 3-year stretchA year, from the unluckiest start date	Not enough history	+9.2%Feb 2020 – Feb 2023	+12.7%Smaller fallOct 2023 – Oct 2026	−13.2%May 2008 – May 2011

Worst calendar yearThe year and its return	+0.7%in 2025	+2.5%in 2022	+3.2%Smaller fallin 2025	−31.0%in 2011

Ups and downsLast 3 years. Lower is steadier.	16.6%	17.5%	14.2%Steadier	16.1%

Typical 3-year returnThe middle of all 3-year stretches, a year	Not enough history	+18.1%	+18.6%Steadier	+15.7%

Often used forWhat funds of this type are usually for	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.