Should I invest in ING Tax Savings Fund-Bonus Option?

We don't give personal investment advice. ING Tax Savings Fund-Bonus 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. Worst 5-year drawdown: 25.9%. 5-year CAGR: 11.56%.

ING

ING Tax Savings Fund-Bonus 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	+1.48%	-1.86%	+3.34	7 / 90	Q1
1W	+0.54%	-3.45%	+3.98	13 / 87	Q1
2W	+1.38%	-4.75%	+6.13	12 / 87	Q1
1M	-1.72%	-5.79%	+4.07	43 / 87	Q2
3M	+5.74%	-4.65%	+10.39	13 / 87	Q1
6M	+21.68%	-3.61%	+25.29	7 / 89	Q1
YTD	+31.36%	-5.38%	+36.74	3 / 89	Q1
1Y	+39.38%	+0.15%	+39.24	5 / 87	Q1
2Y	+18.99%	-0.30%	+19.30	8 / 86	Q1
3Y	+14.83%	+5.90%	+8.92	19 / 81	Q1
4Y	+6.20%	+8.17%	-1.97	61 / 78	Q4
5Y	+11.56%	+6.75%	+4.81	30 / 77	Q2
7Y	+4.14%	+8.81%	-4.67	66 / 75	Q4
10Y	—	—	—	—	—
Inception	+6.12%	+5.84%	+0.28	59 / 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
2014 YTD	+31.36%	+42.05%	-10.69	23 / 27
2013	+1.89%	+2.38%	-0.49	17 / 27
2012	+20.66%	+28.66%	-8.00	26 / 27
2011	-21.32%	-28.62%	+7.31	4 / 25
2010	+25.90%	+14.25%	+11.65	3 / 30
2009	+91.17%	+64.74%	+26.43	2 / 25
2008	-65.49%	-57.48%	-8.01	16 / 18
2007	+37.12%	+44.08%	-6.95	8 / 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

+11.11%

92 windows

min -65.7% · max 123.2%

66% positive

3-Year rolling

+5.25%

68 windows

min -18.3% · max 33.6%

72% positive

5-Year rolling

+6.21%

44 windows

min -3.8% · max 22.7%

77% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+3.73%

19 windows

min 1.5% · max 6.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

15.85%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

1.09

Downside-only deviation

Max drawdown

-17.57%

Jan 2013 → Aug 2013

% 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	₹63.4950	10 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.8315	10 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.7997	10 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.2000	10 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.2000	10 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.4537	10 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.5323	10 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.0930	10 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.0400	10 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2240	10 Jun 2026

Recent NAVs

Date	NAV
9 Oct 2014	₹41.0900
8 Oct 2014	₹40.4900
7 Oct 2014	₹40.4700
1 Oct 2014	₹40.8700
30 Sep 2014	₹41.0000
29 Sep 2014	₹40.9100
26 Sep 2014	₹40.8500
25 Sep 2014	₹40.5300
24 Sep 2014	₹41.1000
23 Sep 2014	₹41.3100

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.

ING Tax Savings Fund-Bonus Option is a ELSS from ING (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.

ING Tax Savings Fund-Bonus 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.

ING Tax Savings Fund-Bonus Option is managed by ING. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ING Tax Savings Fund-Bonus Option has delivered a absolute return of 39.38% — +39.24 pp ahead of the ELSS category average of 0.15%. The fund ranks #5 of 87 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Tax Savings Fund-Bonus Option has delivered a CAGR of 14.83% — +8.92 pp ahead of the ELSS category average of 5.90%. The fund ranks #19 of 81 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ING Tax Savings Fund-Bonus Option has delivered a CAGR of 11.56% — +4.81 pp ahead of the ELSS category average of 6.75%. The fund ranks #30 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in ING Tax Savings Fund-Bonus Option exactly 5 years ago would be worth approximately ₹172,793 today — a multiplier of 1.73×, based on the 5-year CAGR of 11.56%. The category average over the same window would have grown ₹1 lakh to ₹138,617.

A ₹10,000 monthly SIP in ING Tax Savings Fund-Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹849,391 today. That's an XIRR (money-weighted annualised return) of 13.86%.

ING Tax Savings Fund-Bonus Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,354,467 — XIRR 13.40%.

On a 5-year basis, ING Tax Savings Fund-Bonus Option ranks #30 out of 77 funds in the ELSS category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.75%; this fund delivered 11.56%.

The worst peak-to-trough decline ING Tax Savings Fund-Bonus Option has experienced over the last 5-year window is 25.86% — its NAV fell from a high on 10 Nov 2010 to a low on 20 Dec 2011. 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, ING Tax Savings Fund-Bonus Option averaged 6.21% (best 22.67%, worst -3.78%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2013, ING Tax Savings Fund-Bonus Option returned 1.89% — lagging the ELSS category average of 2.38% by 0.49 pp. It ranked #17 of 27 in its category that year.

ING Tax Savings Fund-Bonus 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. ING Tax Savings Fund-Bonus 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. Worst 5-year drawdown: 25.9%. 5-year CAGR: 11.56%.

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