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Scheme Information
HDFC Multi - Asset Allc Gr
as of 19 Apr 2026, 11:22 AM
Scheme Asset Size₹5555.82 Cr
Expense Ratio1.86%
Cash Holding20.79248%
Fund TypeOpen-End
PlanDividend
BenchmarkNifty 50 TR INR
Launch Date2005-08-17
Exit LoadExit load of 1.00% for investments if redeemed within 12 Months
SIP Calculator
12%
₹5,000
₹500₹10,00,000
10 Years
1 Year40 Years
Invested Amount
Estimated Return
Invested Amount
₹6,00,000
Est. Return
₹5,61,695
Total Value
₹11,61,695
Invested Amount
Estimated Return
Scheme Ratings
-
rated by Value Research
Scheme Riskometer
Your principal will be at Very High Risk
Investment Returns
Absolute Returns
CAGR
In the last 1 months 1.98%
In the last 3 months -1.50%
In the last 6 months -0.06%
In the last 1 Years 9.41%
In the last 3 Years 0.47%
In the last 5 Years 0.80%
Company Holdings
Company Name | Sector | Instrument | Assets |
|---|---|---|---|
| HDFC Gold ETF | - | FE | 11.04% |
| Reliance Industries Ltd | Energy | E | 5.72% |
| CYBER HORNET S&P 500® | - | FO | 5.51% |
| ICICI Bank Ltd | Financial Services | E | 4.29% |
| HDFC Bank Ltd | Financial Services | E | 4.27% |
| Future on Reliance Industries Ltd | - | DG | 2.71% |
| NTPC Ltd | Utilities | E | 2.41% |
| Bharti Airtel Ltd | Communication Services | E | 2.35% |
| Axis Bank Ltd | Financial Services | E | 2.09% |
| State Bank of India | Financial Services | E | 2.05% |
| Kotak Mahindra Bank Ltd | Financial Services | E | 2.04% |
| Oil & Natural Gas Corp Ltd | Energy | E | 1.79% |
| Maruti Suzuki India Ltd | Consumer Cyclical | E | 1.75% |
| Sun Pharmaceuticals Industries Ltd | Healthcare | E | 1.73% |
| Power Grid Corp Of India Ltd | Utilities | E | 1.58% |
| Larsen & Toubro Ltd | Industrials | E | 1.47% |
| Infosys Ltd | Technology | E | 1.46% |
| Muthoot Finance Limited | - | B | 1.35% |
| Tata Consultancy Services Ltd | Technology | E | 1.27% |
| 7.18% Govt Stock 2033 | - | BT | 1.25% |
| Future on Hindalco Industries Ltd | - | DG | 1.25% |
| Hindalco Industries Ltd | Basic Materials | E | 1.24% |
| Future on Bharti Airtel Ltd | - | DG | 1.20% |
| United Spirits Ltd | Consumer Defensive | E | 1.09% |
| Future on NTPC Ltd | - | DG | 1.08% |
| Future on Bajaj Finserv Ltd | - | DG | 1.07% |
| Bajaj Finserv Ltd | Financial Services | E | 1.07% |
| HCL Technologies Ltd | Technology | E | 0.97% |
| Divi's Laboratories Ltd | Healthcare | E | 0.96% |
| Hyundai Motor India Ltd | Consumer Cyclical | E | 0.96% |
| Future on Titan Co Ltd | - | DG | 0.95% |
| Titan Co Ltd | Consumer Cyclical | E | 0.94% |
| InterGlobe Aviation Ltd | Industrials | E | 0.89% |
| Mahindra & Mahindra Ltd | Consumer Cyclical | E | 0.89% |
| Lupin Ltd | Healthcare | E | 0.83% |
| Future on Bajaj Finance Ltd | - | DG | 0.83% |
| Eternal Ltd | Consumer Cyclical | E | 0.83% |
| Bajaj Finance Ltd | Financial Services | E | 0.82% |
| Cipla Ltd | Healthcare | E | 0.81% |
| Bajaj Auto Ltd | Consumer Cyclical | E | 0.79% |
| Future on Sun Pharmaceuticals Industries Ltd | - | DG | 0.78% |
| ITC Ltd | Consumer Defensive | E | 0.78% |
| Havells India Ltd | Industrials | E | 0.75% |
| Tata Steel Ltd | Basic Materials | E | 0.73% |
| Future on Mahindra & Mahindra Ltd | - | DG | 0.73% |
| Future on State Bank of India | - | DG | 0.73% |
| SBI Life Insurance Co Ltd | Financial Services | E | 0.70% |
| Embassy Office Parks REIT | Real Estate | ER | 0.68% |
| Dr. Lal PathLabs Ltd | Healthcare | E | 0.66% |
| Future on United Spirits Ltd | - | DG | 0.65% |
| 7.1% Govt Stock 2029 | - | BT | 0.64% |
| HDFC Life Insurance Co Ltd | Financial Services | E | 0.64% |
| Apollo Hospitals Enterprise Ltd | Healthcare | E | 0.63% |
| Eicher Motors Ltd | Consumer Cyclical | E | 0.62% |
| Future on ICICI Bank Ltd | - | DG | 0.62% |
| State Bank Of India | - | B | 0.62% |
| ICICI Lombard General Insurance Co Ltd | Financial Services | E | 0.62% |
| City Union Bank Ltd | Financial Services | E | 0.60% |
| Indus Towers Ltd Ordinary Shares | Communication Services | E | 0.60% |
| Brookfield India Real Estate Trust | Real Estate | ER | 0.58% |
| Tech Mahindra Ltd | Technology | E | 0.50% |
| Hindustan Unilever Ltd | Consumer Defensive | E | 0.48% |
| Smfg India Credit Company Limited | - | B | 0.45% |
| 7.27% Govt Stock 2026 | - | BT | 0.45% |
| LIC Housing Finance Ltd | - | B | 0.45% |
| Ambuja Cements Ltd | Basic Materials | E | 0.45% |
| SIDDHIVINAYAK SECURITISATION TRUST | - | BY | 0.44% |
| CreditAccess Grameen Ltd Ordinary Shares | Financial Services | E | 0.42% |
| Balkrishna Industries Ltd | Consumer Cyclical | E | 0.41% |
| HDFC Silver ETF | - | FE | 0.39% |
| Delhivery Ltd | Industrials | E | 0.38% |
| Future on Cipla Ltd | - | DG | 0.37% |
| Cholamandalam Investment And Finance Company Limited | - | B | 0.36% |
| Nexus Select Trust Reits | Real Estate | ER | 0.35% |
| Future on HDFC Bank Ltd | - | DG | 0.35% |
| Blue Dart Express Ltd | Industrials | E | 0.34% |
| Future on Larsen & Toubro Ltd | - | DG | 0.33% |
| Ipca Laboratories Ltd | Healthcare | E | 0.32% |
| Whirlpool of India Ltd | Consumer Cyclical | E | 0.31% |
| TCPL Packaging Ltd | Consumer Cyclical | E | 0.31% |
| Bharat Petroleum Corp Ltd | Energy | E | 0.30% |
| Jindal Steel Ltd | Basic Materials | E | 0.30% |
| Paradeep Phosphates Ltd | Basic Materials | E | 0.29% |
| 6.54% Govt Stock 2034 | - | BT | 0.28% |
| 7.38% Govt Stock 2027 | - | BT | 0.27% |
| 7.17% Govt Stock 2030 | - | BT | 0.27% |
| Bharti Telecom Limited | - | B | 0.27% |
| Small Industries Development Bank Of India | - | B | 0.27% |
| LIC Housing Finance Ltd | - | B | 0.27% |
| 7.1% Govt Stock 2034 | - | BT | 0.27% |
| 7.23% Govt Stock 2039 | - | BT | 0.27% |
| Godrej Consumer Products Ltd | Consumer Defensive | E | 0.27% |
| POWERGRID Infrastructure Investment Trust Units | Utilities | E | 0.26% |
| Orient Electric Ltd Ordinary Shares | Consumer Cyclical | E | 0.25% |
| Suprajit Engineering Ltd | Consumer Cyclical | E | 0.25% |
| Bayer CropScience Ltd | Basic Materials | E | 0.25% |
| Aptus Value Housing Finance India Ltd | Financial Services | E | 0.25% |
| Gland Pharma Ltd | Healthcare | E | 0.24% |
| Future on Power Grid Corp Of India Ltd | - | DG | 0.24% |
| CIE Automotive India Ltd | Consumer Cyclical | E | 0.24% |
| Transport Corp of India Ltd | Industrials | E | 0.23% |
| Gateway Distriparks Ltd | Industrials | E | 0.23% |
| Great Eastern Shipping Co Ltd | Industrials | E | 0.23% |
| Star Health and Allied Insurance Co Ltd | Financial Services | E | 0.21% |
| Sonata Software Ltd | Technology | E | 0.19% |
| HDFC Bank Limited | - | B | 0.19% |
| Indraprastha Gas Ltd | Utilities | E | 0.18% |
| 7.06% Govt Stock 2028 | - | BT | 0.18% |
| National Bank For Agriculture And Rural Development | - | B | 0.18% |
| Small Industries Development Bank Of India | - | B | 0.18% |
| Future on Tata Steel Ltd. | - | DG | 0.18% |
| Greenply Industries Ltd | Basic Materials | E | 0.17% |
| Prestige Estates Projects Ltd | Real Estate | E | 0.17% |
| UTI Asset Management Co Ltd | Financial Services | E | 0.17% |
| Future on Apollo Hospitals Enterprise Ltd | - | DG | 0.16% |
| Future on Biocon Ltd | - | DG | 0.14% |
| Biocon Ltd | Healthcare | E | 0.14% |
| National Bank For Agriculture And Rural Development | - | B | 0.14% |
| G R Infraprojects Ltd | Industrials | E | 0.13% |
| Future on Tata Power Co Ltd | - | DG | 0.13% |
| Tata Power Co Ltd | Utilities | E | 0.13% |
| Pipeline Infrastructure Limited | - | B | 0.11% |
| Dr. Reddy's Laboratories Ltd. | - | DG | 0.10% |
| Dr Reddy's Laboratories Ltd | Healthcare | E | 0.10% |
| Wipro Ltd | Technology | E | 0.10% |
| Chemplast Sanmar Ltd | Basic Materials | E | 0.10% |
| Power Finance Corporation Limited | - | B | 0.09% |
| Bank Of Baroda | - | B | 0.09% |
| Rec Limited | - | B | 0.09% |
| Power Finance Corporation Limited | - | B | 0.09% |
| 6.54% Govt Stock 2032 | - | BT | 0.09% |
| National Bank For Agriculture And Rural Development | - | B | 0.09% |
| 7.34% Govt Stock 2064 | - | BT | 0.09% |
| Future on UltraTech Cement Ltd | - | DG | 0.07% |
| UltraTech Cement Ltd | Basic Materials | E | 0.07% |
| National Bank For Agriculture And Rural Development | - | B | 0.05% |
| 7.18% Govt Stock 2037 | - | BT | 0.04% |
| Raajmarg Infra Investment Trust Units | Financial Services | E | 0.03% |
| Rolex Rings Ltd | Industrials | E | 0.02% |
| Future on Asian Paints Ltd | - | DG | 0.01466% |
| Asian Paints Ltd | Basic Materials | E | 0.01462% |
| Future on Ambuja Cements Ltd | - | DG | 0.01369% |
| Kwality Walls India Ltd | Consumer Defensive | E | 0.00526% |
| Future on Eternal Ltd | - | DG | 0.001% |
| Treps - Tri-Party Repo | - | CR | 9.69% |
| Cash Offset For Derivatives | - | CQ | 9.19% |
| Union Bank Of India | - | CD | 0.43% |
| Punjab National Bank | - | CD | 0.42% |
| Net Current Assets | - | C | 0.28% |
| Bank Of Baroda | - | CD | 0.17% |
| 26/03/2026 Maturing 182 DTB | - | BT | - |
| Gs19mar2028c | - | BT | - |
Sector Holding Analysis
Equity / Debt / Cash Split
Loading chart…
Equity
58.52%
Debt
9.42%
Cash
20.79%
Others
11.27%
Equity sector allocation
Loading chart…
Basic Materials
3.72%
Communication Services
3.54%
Consumer Cyclical
9.11%
Consumer Defensive
2.92%
Energy
8.01%
Financial Services
20.92%
Healthcare
6.98%
Industrials
5.13%
Real Estate
1.9%
Technology
6.31%
Utilities
4.69%
Others
26.77%
Fund House Contact Details
Websitewww.hdfcfund.com
Phone+91 22 66316333
HDFC Asset Management Co Ltd
Asset Management Company
Funds in this Category
ICICI Pru Ret Pure Eq Plan Reg Gr
Allocation
Min. Investment
₹5000
Category Returns
19.70%
25.54%
3Y Returns
+25.54%
ICICI Pru Ret Pure Eq Plan Reg IDCW-P
Allocation
Min. Investment
₹5000
Category Returns
19.70%
25.54%
3Y Returns
+25.51%
Quant Multi Asset Allocation Gr
Allocation
Min. Investment
₹5000
Category Returns
19.70%
25.54%
3Y Returns
+23.22%
About HDFC Multi - Asset Allc Gr
Investment Objective of the Scheme
The objective of the Scheme is to generate long term capital appreciation/income by investing in a diversified portfolio of equity & equity related instruments, debt & money market instruments and Gold. There is no assurance that the investment objective of the Scheme will be realized.
Key Features of The Fund
5-year return
+12.49%
Fund Manager
Anil Bamboli
Risk Profile
Very High Risk
Expense Ratio
1.86%
Fund Size
₹5555.82 Cr
FAQ's
What has been the returns generated by HDFC Multi - Asset Allc Gr over different time periods?
The HDFC Multi - Asset Allc Gr has given returns
1-Year
9.41
3-Year
13.69
5-Year
12.49
What is the expense ratio of HDFC Multi - Asset Allc Gr?
The expense ratio of HDFC Multi - Asset Allc Gr is 1.86%.
What is the AUM (Assets Under Management) of HDFC Multi - Asset Allc Gr?
The AUM, short for Assets Under Management of HDFC Multi - Asset Allc Gr is ₹5555.82 Cr as of 27 Jul 3730.
What are the top stock holdings of HDFC Multi - Asset Allc Gr?
The HDFC Multi - Asset Allc Gr has invested the majority of its money in the stocks of the following companies:
| Company | Percentage of Portfolio |
|---|---|
| HDFC Gold ETF | 11.04% |
| Reliance Industries Ltd | 5.72% |
| CYBER HORNET S&P 500® | 5.51% |
| ICICI Bank Ltd | 4.29% |
| HDFC Bank Ltd | 4.27% |
| Future on Reliance Industries Ltd | 2.71% |
| NTPC Ltd | 2.41% |
| Bharti Airtel Ltd | 2.35% |
| Axis Bank Ltd | 2.09% |
| State Bank of India | 2.05% |
| Kotak Mahindra Bank Ltd | 2.04% |
| Oil & Natural Gas Corp Ltd | 1.79% |
| Maruti Suzuki India Ltd | 1.75% |
| Sun Pharmaceuticals Industries Ltd | 1.73% |
| Power Grid Corp Of India Ltd | 1.58% |
| Larsen & Toubro Ltd | 1.47% |
| Infosys Ltd | 1.46% |
| Muthoot Finance Limited | 1.35% |
| Tata Consultancy Services Ltd | 1.27% |
| 7.18% Govt Stock 2033 | 1.25% |
| Future on Hindalco Industries Ltd | 1.25% |
| Hindalco Industries Ltd | 1.24% |
| Future on Bharti Airtel Ltd | 1.20% |
| United Spirits Ltd | 1.09% |
| Future on NTPC Ltd | 1.08% |
| Future on Bajaj Finserv Ltd | 1.07% |
| Bajaj Finserv Ltd | 1.07% |
| HCL Technologies Ltd | 0.97% |
| Divi's Laboratories Ltd | 0.96% |
| Hyundai Motor India Ltd | 0.96% |
| Future on Titan Co Ltd | 0.95% |
| Titan Co Ltd | 0.94% |
| InterGlobe Aviation Ltd | 0.89% |
| Mahindra & Mahindra Ltd | 0.89% |
| Lupin Ltd | 0.83% |
| Future on Bajaj Finance Ltd | 0.83% |
| Eternal Ltd | 0.83% |
| Bajaj Finance Ltd | 0.82% |
| Cipla Ltd | 0.81% |
| Bajaj Auto Ltd | 0.79% |
| Future on Sun Pharmaceuticals Industries Ltd | 0.78% |
| ITC Ltd | 0.78% |
| Havells India Ltd | 0.75% |
| Tata Steel Ltd | 0.73% |
| Future on Mahindra & Mahindra Ltd | 0.73% |
| Future on State Bank of India | 0.73% |
| SBI Life Insurance Co Ltd | 0.70% |
| Embassy Office Parks REIT | 0.68% |
| Dr. Lal PathLabs Ltd | 0.66% |
| Future on United Spirits Ltd | 0.65% |
| 7.1% Govt Stock 2029 | 0.64% |
| HDFC Life Insurance Co Ltd | 0.64% |
| Apollo Hospitals Enterprise Ltd | 0.63% |
| Eicher Motors Ltd | 0.62% |
| Future on ICICI Bank Ltd | 0.62% |
| State Bank Of India | 0.62% |
| ICICI Lombard General Insurance Co Ltd | 0.62% |
| City Union Bank Ltd | 0.60% |
| Indus Towers Ltd Ordinary Shares | 0.60% |
| Brookfield India Real Estate Trust | 0.58% |
| Tech Mahindra Ltd | 0.50% |
| Hindustan Unilever Ltd | 0.48% |
| Smfg India Credit Company Limited | 0.45% |
| 7.27% Govt Stock 2026 | 0.45% |
| LIC Housing Finance Ltd | 0.45% |
| Ambuja Cements Ltd | 0.45% |
| SIDDHIVINAYAK SECURITISATION TRUST | 0.44% |
| CreditAccess Grameen Ltd Ordinary Shares | 0.42% |
| Balkrishna Industries Ltd | 0.41% |
| HDFC Silver ETF | 0.39% |
| Delhivery Ltd | 0.38% |
| Future on Cipla Ltd | 0.37% |
| Cholamandalam Investment And Finance Company Limited | 0.36% |
| Nexus Select Trust Reits | 0.35% |
| Future on HDFC Bank Ltd | 0.35% |
| Blue Dart Express Ltd | 0.34% |
| Future on Larsen & Toubro Ltd | 0.33% |
| Ipca Laboratories Ltd | 0.32% |
| Whirlpool of India Ltd | 0.31% |
| TCPL Packaging Ltd | 0.31% |
| Bharat Petroleum Corp Ltd | 0.30% |
| Jindal Steel Ltd | 0.30% |
| Paradeep Phosphates Ltd | 0.29% |
| 6.54% Govt Stock 2034 | 0.28% |
| 7.38% Govt Stock 2027 | 0.27% |
| 7.17% Govt Stock 2030 | 0.27% |
| Bharti Telecom Limited | 0.27% |
| Small Industries Development Bank Of India | 0.27% |
| LIC Housing Finance Ltd | 0.27% |
| 7.1% Govt Stock 2034 | 0.27% |
| 7.23% Govt Stock 2039 | 0.27% |
| Godrej Consumer Products Ltd | 0.27% |
| POWERGRID Infrastructure Investment Trust Units | 0.26% |
| Orient Electric Ltd Ordinary Shares | 0.25% |
| Suprajit Engineering Ltd | 0.25% |
| Bayer CropScience Ltd | 0.25% |
| Aptus Value Housing Finance India Ltd | 0.25% |
| Gland Pharma Ltd | 0.24% |
| Future on Power Grid Corp Of India Ltd | 0.24% |
| CIE Automotive India Ltd | 0.24% |
| Transport Corp of India Ltd | 0.23% |
| Gateway Distriparks Ltd | 0.23% |
| Great Eastern Shipping Co Ltd | 0.23% |
| Star Health and Allied Insurance Co Ltd | 0.21% |
| Sonata Software Ltd | 0.19% |
| HDFC Bank Limited | 0.19% |
| Indraprastha Gas Ltd | 0.18% |
| 7.06% Govt Stock 2028 | 0.18% |
| National Bank For Agriculture And Rural Development | 0.18% |
| Small Industries Development Bank Of India | 0.18% |
| Future on Tata Steel Ltd. | 0.18% |
| Greenply Industries Ltd | 0.17% |
| Prestige Estates Projects Ltd | 0.17% |
| UTI Asset Management Co Ltd | 0.17% |
| Future on Apollo Hospitals Enterprise Ltd | 0.16% |
| Future on Biocon Ltd | 0.14% |
| Biocon Ltd | 0.14% |
| National Bank For Agriculture And Rural Development | 0.14% |
| G R Infraprojects Ltd | 0.13% |
| Future on Tata Power Co Ltd | 0.13% |
| Tata Power Co Ltd | 0.13% |
| Pipeline Infrastructure Limited | 0.11% |
| Dr. Reddy's Laboratories Ltd. | 0.10% |
| Dr Reddy's Laboratories Ltd | 0.10% |
| Wipro Ltd | 0.10% |
| Chemplast Sanmar Ltd | 0.10% |
| Power Finance Corporation Limited | 0.09% |
| Bank Of Baroda | 0.09% |
| Rec Limited | 0.09% |
| Power Finance Corporation Limited | 0.09% |
| 6.54% Govt Stock 2032 | 0.09% |
| National Bank For Agriculture And Rural Development | 0.09% |
| 7.34% Govt Stock 2064 | 0.09% |
| Future on UltraTech Cement Ltd | 0.07% |
| UltraTech Cement Ltd | 0.07% |
| National Bank For Agriculture And Rural Development | 0.05% |
| 7.18% Govt Stock 2037 | 0.04% |
| Raajmarg Infra Investment Trust Units | 0.03% |
| Rolex Rings Ltd | 0.02% |
| Future on Asian Paints Ltd | 0.01% |
| Asian Paints Ltd | 0.01% |
| Future on Ambuja Cements Ltd | 0.01% |
| Kwality Walls India Ltd | 0.01% |
| Future on Eternal Ltd | 0.00% |
| Treps - Tri-Party Repo | 9.69% |
| Cash Offset For Derivatives | 9.19% |
| Union Bank Of India | 0.43% |
| Punjab National Bank | 0.42% |
| Net Current Assets | 0.28% |
| Bank Of Baroda | 0.17% |
| 26/03/2026 Maturing 182 DTB | - |
| Gs19mar2028c | - |
In which sectors has HDFC Multi - Asset Allc Gr invested in?
The HDFC Multi - Asset Allc Gr has invested the majority of its money in the stocks of the following sectors -
| Company | Percentage of Portfolio |
|---|---|
| Basic Materials | 3.72% |
| Communication Services | 3.54% |
| Consumer Cyclical | 9.11% |
| Consumer Defensive | 2.92% |
| Energy | 8.01% |
| Financial Services | 20.92% |
| Healthcare | 6.98% |
| Industrials | 5.13% |
| Real Estate | 1.90% |
| Technology | 6.31% |
| Utilities | 4.69% |
What is the risk level of HDFC Multi - Asset Allc Gr?
This is a Multi Asset Allocation fund comes with Very High Risk.
Who are the fund managers of HDFC Multi - Asset Allc Gr?
HDFC Multi - Asset Allc Gr fund managers are Anil Bamboli, Arun Agarwal, Srinivasan Ramamurthy, Bhagyesh Kagalkar, Dhruv Muchhal, Nandita Menezes.
Is there a minimum SIP amount to invest in HDFC Multi - Asset Allc Gr?
The minimum SIP amount to start investment in HDFC Multi - Asset Allc Gr is ₹100 while ₹1,000 can be invested as Lumpsum amount.
Can I invest in HDFC Multi - Asset Allc Gr both in SIP and lump sum?
You can opt for either SIP or Lumpsum to invest in HDFC Multi - Asset Allc Gr on the basis of your investment objective and risk tolerance.
How to invest in HDFC Multi - Asset Allc Gr?
Investing in mutual funds is easy on HDFC SKY.
Follow these simple steps to invest in HDFC Multi - Asset Allc Gr:
- On HDFC SKY open your demat account if you don't have one.
- Check the performance of HDFC Multi - Asset Allc Gr.
- Choose between SIP or Lumpsum and start your mutual fund investment journey on HDFC Sky.
Is there any exit load charges of HDFC Multi - Asset Allc Gr?
The exit load of HDFC Multi - Asset Allc Gr is as follows:
Exit load of 1.0%, if redeemed within 1 year
.What is the process to redeem my investment in HDFC SKY?
The following are the Steps to Redeem mutual funds on HDFC SKY:
1. Go to Mutual Funds > My Investments/Portfolio.
2. Select the fund and tap Redeem/Sell.
3. Choose Full, Units, or Amount.
4. Review NAV, units, and exit load.
5. Confirm. Amount (Units × NAV) is credited to the registered bank in T+1–T+3 days. ELSS has a 3-year lock-in.
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