{"id":253880,"date":"2026-09-17T16:25:22","date_gmt":"2026-09-17T10:55:22","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/"},"modified":"2026-09-17T16:25:22","modified_gmt":"2026-09-17T10:55:22","slug":"woc-elss-tax-saver-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/","title":{"rendered":"WOC ELSS Tax Saver Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/woc-elss-tax-saver-fund-g-direct-plan\">WOC ELSS Tax Saver Fund Direct Growth Plan<\/a> has a NAV of \u20b918.831 as of 16 Sep 2026 and scheme AUM of \u20b9507 Cr. Its 1-year, 3-year and 5-year returns are 1.43%, 15.23% and 0%, respectively, and the scheme sits in the High Risk category.<\/p>\n<p>Our view is that this is a fund for investors who can tolerate sharper swings and are comfortable with an equity allocation that has not matched the benchmark consistently across recent windows. The portfolio has meaningful exposure to financials and other large listed businesses, so the story here is more about equity participation and stock selection than steady short-term stability.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_WOC_ELSS_Tax_Saver\" title=\"Should you BUY or HOLD WOC ELSS Tax Saver?\">Should you BUY or HOLD WOC ELSS Tax Saver?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/woc-elss-tax-saver-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b918.831 as of 16 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9507 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.67%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>14 Oct 2022<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Ramesh Mantri, Piyush Baranwal, Trupti Agrawal and Dheeresh Pathak.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-3.77%<\/td>\n<td>-4.41%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.29%<\/td>\n<td>-3.6%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>1.43%<\/td>\n<td>-7.76%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>15.23%<\/td>\n<td>5.74%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern has been uneven, but it is not weak across every window. The 1-month return was negative, while the 3-month and 1-year numbers were positive, which suggests the fund has been able to recover after short periods of pressure.<\/p>\n<p>The longer view is more constructive. The 3-year return of 15.23% is clearly above the benchmark\u2019s 5.74% over the same period, so the fund has compounded better than the index across that horizon. That matters more than one short patch of softness, especially for an ELSS product where investors usually look beyond quarterly noise.<\/p>\n<p>Even so, the one-year return of 1.43% is modest and sits well below the 3-year pace. Our read is that the fund has not delivered a smooth track record; instead, returns have come with visible ups and downs. That makes the recent recovery worth noting, but it does not erase the need to be patient through weaker stretches.<\/p>\n<p>Because the fund is benchmarked against NIFTY 50, the comparison also shows that its latest 1-year result is better than the index, which was negative, while its 3-year result has been materially stronger. The absence of a 5-year figure means investors should lean more on the launched-track record and the shorter-to-medium horizon trend rather than assume a long completed cycle.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_WOC_ELSS_Tax_Saver\"><\/span>Should you BUY or HOLD WOC ELSS Tax Saver?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding WOC ELSS Tax Saver? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/woc-elss-tax-saver-fund-g-direct-plan\">WOC ELSS Tax Saver Fund Direct Growth Plan<\/a><\/td>\n<td>1.43%<\/td>\n<td>15.23%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/quant-elss-tax-saver-fund-g-direct-plan\">Quant ELSS Tax Saver Fund Direct Growth Plan<\/a><\/td>\n<td>9.73%<\/td>\n<td>13.52%<\/td>\n<td>14.64%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-elss-tax-saver-fund-g-direct-plan\">Motilal Oswal ELSS Tax Saver Fund Direct Growth Plan<\/a><\/td>\n<td>7.28%<\/td>\n<td>20.68%<\/td>\n<td>16.54%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/jm-elss-tax-saver-fund-g-direct-plan\">JM ELSS-Tax Saver Fund Direct Growth Plan<\/a><\/td>\n<td>5.37%<\/td>\n<td>15.37%<\/td>\n<td>13.83%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sundaram-lt-micro-cap-tax-adv-fund-sr-iv-g-direct-plan\">Sundaram LT Micro Cap Tax Adv Fund-Sr IV- Direct Growth Plan<\/a><\/td>\n<td>4.16%<\/td>\n<td>11.33%<\/td>\n<td>14.96%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/edelweiss-elss-tax-saver-fund-g-direct-plan\">Edelweiss ELSS Tax saver Fund Direct Growth Plan<\/a><\/td>\n<td>3.22%<\/td>\n<td>12.41%<\/td>\n<td>11.42%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The fund\u2019s 1-year return is below every peer shown here, but its 3-year return is still competitive and sits close to the better mid-pack outcomes on this list. That combination tells us the recent stretch has been softer than the better peer numbers, while the medium-term picture remains respectable rather than stretched.<\/p>\n<p>The 5-year column is less helpful for a direct comparison because the fund has no completed figure, while the peers do. In practical terms, the peer set shows stronger near-term momentum in several cases, especially on the 1-year measure, but the fund\u2019s 3-year number still supports the view that it has delivered a reasonable medium-term run even if recent performance has lagged the stronger peer readings.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ICICI Bank Limited<\/td>\n<td>Bank<\/td>\n<td>8.4%<\/td>\n<\/tr>\n<tr>\n<td>Bharti Airtel Limited<\/td>\n<td>Telecom<\/td>\n<td>3.82%<\/td>\n<\/tr>\n<tr>\n<td>Nestle India Limited<\/td>\n<td>FMCG<\/td>\n<td>3.81%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Limited<\/td>\n<td>Bank<\/td>\n<td>3.77%<\/td>\n<\/tr>\n<tr>\n<td>Eternal Limited<\/td>\n<td>Retailing<\/td>\n<td>2.74%<\/td>\n<\/tr>\n<tr>\n<td>State Bank of India<\/td>\n<td>Bank<\/td>\n<td>2.58%<\/td>\n<\/tr>\n<tr>\n<td>Mahindra &amp; Mahindra Limited<\/td>\n<td>Automobile &amp; Ancillaries<\/td>\n<td>2.54%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Mahindra Bank Limited<\/td>\n<td>Bank<\/td>\n<td>2.45%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Industries Limited<\/td>\n<td>Crude Oil<\/td>\n<td>2.38%<\/td>\n<\/tr>\n<tr>\n<td>Coforge Limited<\/td>\n<td>IT<\/td>\n<td>2.01%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 34.5% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/woc-elss-tax-saver-fund-g-direct-plan\">WOC ELSS Tax Saver Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding, ICICI Bank Limited, carries an 8.4% weight, so it is likely to have greater influence on the fund\u2019s day-to-day movement than any other single position in the disclosed list. After that, the weights step down fairly quickly into the 3% range, which suggests the portfolio does not depend on just one position for all of its return drivers.<\/p>\n<p>The drop from the first holding to the tenth is meaningful: the tenth holding is 2.01%, which is less than one-quarter of the largest holding\u2019s weight. That kind of spread may help dilute single-stock dependence, even though financials still appear multiple times among the top names.<\/p>\n<p>With 57 holdings disclosed in total and the top 10 accounting for 34.5%, the fund appears to blend a notable core with a longer tail of smaller positions. In our view, that points to a portfolio that is more diversified than a narrow concentrated bet, while still leaving the larger holdings with visible influence on outcomes.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who can handle High Risk equity volatility and who are willing to stay invested for at least the medium to long term. The 3-year return has been stronger than the benchmark, but the 1-year result is much softer, so the path has not been smooth.<\/p>\n<p>The main trade-off is between tax-saving equity exposure and uneven short-term performance. Investors who want steady month-to-month stability may find the swings uncomfortable, while those who can tolerate volatility and focus on a multi-year horizon may see the fund\u2019s benchmark-beating medium-term history as more relevant.<\/p>\n<p>Its portfolio is spread across 57 holdings, but the larger positions still matter, so the scheme may work better for investors who are comfortable with stock-specific movement within a broader equity framework.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of WOC ELSS Tax Saver Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b918.831 as of 16 Sep 2026.<\/p>\n<p><strong>How have the fund\u2019s 1-year, 3-year and 5-year returns looked?<\/strong><br \/>The fund\u2019s 1-year return is 1.43%, its 3-year return is 15.23%, and its 5-year return is 0% in the current record.<\/p>\n<p><strong>How does it compare with the benchmark?<\/strong><br \/>It has outpaced NIFTY 50 over 3 years, with 15.23% versus 5.74%. Over 1 year, the fund is also ahead because the benchmark return is -7.76%.<\/p>\n<p><strong>How does it compare with peer ELSS funds on recent returns?<\/strong><br \/>Its 1-year return is lower than the peer examples shown, while its 3-year return remains competitive within that set. The peer numbers also show stronger completed 5-year records for several funds.<\/p>\n<p><strong>Is there a minimum SIP amount?<\/strong><br \/>The fund is available for SIP, but a minimum SIP amount is not stated here.<\/p>\n<p><strong>What risk and portfolio traits stand out?<\/strong><br \/>The scheme is tagged High Risk and its largest holding is ICICI Bank Limited at 8.4%. The top 10 holdings account for 34.5% of the portfolio, so larger positions still matter even though the fund holds 57 names in total.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>WOC ELSS Tax Saver Fund Direct Growth Plan has shown a mixed recent path, but its 3-year result is stronger than the benchmark and more encouraging than the one-year figure alone would suggest. In the peer set, the fund\u2019s latest 1-year number trails the stronger recent performers, while the 3-year reading remains broadly workable. The High Risk label fits the uneven return profile. The portfolio is reasonably broad with 57 holdings, yet ICICI Bank remains the largest single position, so stock-specific movement can still matter.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 17 September 2026 at 4:22 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"WOC ELSS Tax Saver Fund Direct Growth Plan\",\"identifier\":\"woc-elss-tax-saver-fund-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"14 Oct 2022\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":18.831,\"valueReference\":\"as of 16 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"507 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.67\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":1.43},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":15.23},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of WOC ELSS Tax Saver Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b918.831 as of 16 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"How have the fund\u2019s 1-year, 3-year and 5-year returns looked?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is 1.43%, its 3-year return is 15.23%, and its 5-year return is 0% in the current record.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced NIFTY 50 over 3 years, with 15.23% versus 5.74%. Over 1 year, the fund is also ahead because the benchmark return is -7.76%.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer ELSS funds on recent returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is lower than the peer examples shown, while its 3-year return remains competitive within that set. The peer numbers also show stronger completed 5-year records for several funds.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is available for SIP, but a minimum SIP amount is not stated here.\"}},{\"@type\":\"Question\",\"name\":\"What risk and portfolio traits stand out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The scheme is tagged High Risk and its largest holding is ICICI Bank Limited at 8.4%. The top 10 holdings account for 34.5% of the portfolio, so larger positions still matter even though the fund holds 57 names in total.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>WOC ELSS Tax Saver Fund Direct Growth Plan NAV is \u20b918.831 as of 16 Sep 2026. The fund shows 1.43% 1Y and 15.23% 3Y returns, with High Risk.<\/p>\n","protected":false},"author":38,"featured_media":253878,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-253880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["253878"],"rank_math_title":["WOC ELSS Tax Saver Fund NAV, Returns &amp; Review"],"rank_math_description":["WOC ELSS Tax Saver Fund Direct Growth Plan NAV is \u20b918.831 as of 16 Sep 2026; 1Y return is 1.43% and 3Y return is 15.23%."],"rank_math_focus_keyword":["WOC ELSS Tax Saver Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/WOC_ELSS_Tax_Saver_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/253880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=253880"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/253880\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/253878"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=253880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=253880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=253880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}