Should I invest in IDFC Tax Advantage (ELSS) Fund?

We don't give personal investment advice. IDFC Tax Advantage (ELSS) Fund - Dividend 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. Worst 5-year drawdown: 26.2%. 5-year CAGR: 3.92%.

IDFC

IDFC Tax Advantage (ELSS) Fund - Dividend

Latest NAV

₹29.9360

As of

9 Jun 2026

4,300 NAV records on file

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	36 / 90	Q2
1W	-1.02%	-3.73%	+2.71	63 / 87	Q3
2W	-2.67%	-5.18%	+2.51	44 / 87	Q3
1M	-3.81%	-6.76%	+2.95	48 / 87	Q3
3M	-6.78%	-4.52%	-2.26	76 / 87	Q4
6M	-12.04%	-4.00%	-8.04	79 / 89	Q4
YTD	-13.26%	-5.72%	-7.55	79 / 89	Q4
1Y	-9.35%	-0.18%	-9.17	70 / 87	Q4
2Y	-6.13%	-0.39%	-5.73	74 / 86	Q4
3Y	+1.36%	+5.78%	-4.42	71 / 81	Q4
4Y	+4.20%	+7.88%	-3.68	66 / 78	Q4
5Y	+3.92%	+6.78%	-2.86	66 / 77	Q4
7Y	+8.64%	+8.76%	-0.12	49 / 75	Q3
10Y	+7.93%	+8.02%	-0.09	43 / 69	Q3
Inception	+6.44%	+5.82%	+0.62	53 / 91	Q3

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
2026 YTD	-13.26%	-8.11%	-5.16	43 / 47
2025	+0.04%	+1.54%	-1.50	31 / 47
2024	+5.02%	+18.17%	-13.16	46 / 47
2023	+20.53%	+23.46%	-2.93	35 / 49
2022	-0.85%	+0.75%	-1.60	30 / 52
2021	+40.34%	+28.91%	+11.43	5 / 54
2020	+18.75%	+11.40%	+7.35	10 / 56
2019	-0.56%	+2.03%	-2.59	43 / 59
2018	-15.31%	-9.68%	-5.63	46 / 61
2017	+35.47%	+29.95%	+5.52	23 / 65
2016	-10.64%	-0.31%	-10.33	66 / 70

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

+8.19%

201 windows

min -39.2% · max 111.5%

57% positive

3-Year rolling

+6.64%

177 windows

min -13.6% · max 32.7%

80% positive

5-Year rolling

+7.43%

152 windows

min -6.9% · max 21.4%

85% positive

7-Year rolling

+6.50%

128 windows

min -3.1% · max 12.7%

95% positive

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

13.40%

3-year · annualised

Sharpe ratio

-0.33

vs risk-free 6.5%

Sortino ratio

-0.45

Downside-only deviation

Max drawdown

-26.20%

Sep 2024 → Mar 2026

% positive months

55.6%

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
9 Jun 2026	₹29.9360
8 Jun 2026	₹29.7430
5 Jun 2026	₹30.1230
4 Jun 2026	₹30.2280
3 Jun 2026	₹30.1590
2 Jun 2026	₹30.2450
1 Jun 2026	₹30.0480
31 May 2026	₹30.1880
29 May 2026	₹30.1910
27 May 2026	₹30.5500

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.

As of 09 Jun 2026, the NAV of IDFC Tax Advantage (ELSS) Fund - Dividend is ₹29.9360. It's a ELSS from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC Tax Advantage (ELSS) Fund - Dividend has NAV history starting from 29 Dec 2008, a track record of about 17 years 5 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.

IDFC Tax Advantage (ELSS) Fund - Dividend is managed by IDFC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC Tax Advantage (ELSS) Fund - Dividend has delivered a absolute return of -9.35% — -9.17 pp behind the ELSS category average of -0.18%. The fund ranks #70 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, IDFC Tax Advantage (ELSS) Fund - Dividend has delivered a CAGR of 1.36% — -4.42 pp behind the ELSS category average of 5.78%. The fund ranks #71 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, IDFC Tax Advantage (ELSS) Fund - Dividend has delivered a CAGR of 3.92% — -2.86 pp behind the ELSS category average of 6.78%. The fund ranks #66 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in IDFC Tax Advantage (ELSS) Fund - Dividend exactly 10 years ago would be worth approximately ₹214,573 today — a multiplier of 2.15×, based on the 10-year CAGR of 7.93%. The category average over the same window would have grown ₹1 lakh to ₹216,305.

A ₹10,000 monthly SIP in IDFC Tax Advantage (ELSS) Fund - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹602,207 today. That's an XIRR (money-weighted annualised return) of 0.14%.

A ₹10,000 monthly SIP for 10 years in IDFC Tax Advantage (ELSS) Fund - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,703,507 (multiplier 1.42×). XIRR: 6.81%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC Tax Advantage (ELSS) Fund - Dividend ranks #66 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.78%; this fund delivered 3.92%.

The worst peak-to-trough decline IDFC Tax Advantage (ELSS) Fund - Dividend has experienced over the last 5-year window is 26.20% — its NAV fell from a high on 26 Sep 2024 to a low on 31 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, IDFC Tax Advantage (ELSS) Fund - Dividend averaged 7.43% (best 21.45%, worst -6.93%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is -0.12 — negative risk-adjusted performance.

In calendar year 2025, IDFC Tax Advantage (ELSS) Fund - Dividend returned 0.04% — lagging the ELSS category average of 1.54% by 1.50 pp. It ranked #31 of 47 in its category that year.

IDFC Tax Advantage (ELSS) Fund - Dividend 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. IDFC Tax Advantage (ELSS) Fund - Dividend 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. Worst 5-year drawdown: 26.2%. 5-year CAGR: 3.92%.

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