Should I invest in DBS Chola Tax Saver Fund?

We don't give personal investment advice. DBS Chola Tax Saver Fund-Dividend Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding.

DBS Chola

DBS Chola Tax Saver Fund-Dividend Option

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	-2.14%	+2.14	23 / 90	Q2
1W	+0.23%	-3.73%	+3.96	16 / 87	Q1
2W	-1.95%	-5.18%	+3.23	33 / 87	Q2
1M	-8.98%	-6.76%	-2.22	79 / 87	Q4
3M	-2.75%	-4.52%	+1.77	58 / 87	Q3
6M	+14.44%	-4.00%	+18.43	12 / 89	Q1
YTD	-6.50%	-5.72%	-0.79	46 / 89	Q3
1Y	+97.58%	-0.18%	+97.77	1 / 87	Q1
2Y	-3.62%	-0.39%	-3.22	66 / 86	Q4
3Y	+0.41%	+5.78%	-5.37	72 / 81	Q4
4Y	+1.36%	+7.88%	-6.51	72 / 78	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.41%	+5.82%	-4.41	78 / 91	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2010 YTD	-6.50%	+14.25%	-20.76	30 / 30
2009	+90.08%	+64.74%	+25.34	4 / 25
2008	-58.66%	-57.48%	-1.19	11 / 18
2007	+23.40%	+44.08%	-20.67	10 / 12
2006	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.81%

36 windows

min -58.1% · max 113.2%

61% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.14%

11 windows

min -14.1% · max 6.0%

73% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

38.87%

3-year · annualised

Sharpe ratio

0.03

vs risk-free 6.5%

Sortino ratio

0.05

Downside-only deviation

Max drawdown

-66.91%

Jan 2008 → Mar 2009

% positive months

58.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5310	9 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9599	9 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.1648	9 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.3200	9 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.6000	9 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.8529	9 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.6481	9 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.3790	9 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.3200	9 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2210	9 Jun 2026

Recent NAVs

Date	NAV
15 Feb 2010	₹13.0800
11 Feb 2010	₹13.1800
10 Feb 2010	₹13.0500
9 Feb 2010	₹13.1100
8 Feb 2010	₹13.0500
5 Feb 2010	₹12.9200
4 Feb 2010	₹13.2400
3 Feb 2010	₹13.4600
2 Feb 2010	₹13.2000
1 Feb 2010	₹13.3400

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

DBS Chola Tax Saver Fund-Dividend Option is a ELSS from DBS Chola (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

DBS Chola Tax Saver Fund-Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

DBS Chola Tax Saver Fund-Dividend Option is managed by DBS Chola. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DBS Chola Tax Saver Fund-Dividend Option has delivered a absolute return of 97.58% — +97.77 pp ahead of the ELSS category average of -0.18%. The fund ranks #1 of 87 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DBS Chola Tax Saver Fund-Dividend Option has delivered a CAGR of 0.41% — -5.37 pp behind the ELSS category average of 5.78%. The fund ranks #72 of 81 in its category — the bottom (Q4) quartile.

DBS Chola Tax Saver Fund-Dividend Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in DBS Chola Tax Saver Fund-Dividend Option exactly 3 years ago would be worth approximately ₹101,238 today — a multiplier of 1.01×, based on the 3-year CAGR of 0.41%. The category average over the same window would have grown ₹1 lakh to ₹118,355.

A ₹10,000 monthly SIP in DBS Chola Tax Saver Fund-Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹431,268 today. That's an XIRR (money-weighted annualised return) of 12.04%.

DBS Chola Tax Saver Fund-Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹431,268 — XIRR 12.04%.

On a 3-year basis, DBS Chola Tax Saver Fund-Dividend Option ranks #72 out of 81 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.78%; this fund delivered 0.41%.

The worst peak-to-trough decline DBS Chola Tax Saver Fund-Dividend Option has experienced over the last 3-year window is 66.91% — its NAV fell from a high on 04 Jan 2008 to a low on 09 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, DBS Chola Tax Saver Fund-Dividend Option averaged 0.14% (best 5.99%, worst -14.12%). 73% of rolling windows ended positive. The 3-year Sharpe ratio is 0.03 — weak risk-adjusted performance.

In calendar year 2009, DBS Chola Tax Saver Fund-Dividend Option returned 90.08% — beating the ELSS category average of 64.74% by 25.34 pp. It ranked #4 of 25 in its category that year.

DBS Chola Tax Saver Fund-Dividend Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. DBS Chola Tax Saver Fund-Dividend Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.