Should I invest in Religare Tax Plan?

We don't give personal investment advice. Religare Tax Plan - 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: 30.4%. 5-year CAGR: 0.38%.

Religare

Religare Tax Plan - Dividend

Latest NAV

₹22.3900

As of

8 Jun 2026

4,770 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%	-2.16%	+2.16	47 / 90	Q3
1W	-0.93%	-3.73%	+2.80	51 / 87	Q3
2W	-3.20%	-5.20%	+2.00	58 / 87	Q3
1M	-3.82%	-6.80%	+2.98	48 / 87	Q3
3M	+2.05%	-4.51%	+6.56	22 / 87	Q2
6M	-7.97%	-4.02%	-3.95	63 / 89	Q3
YTD	-8.54%	-5.74%	-2.80	61 / 89	Q3
1Y	-10.01%	-0.20%	-9.80	72 / 87	Q4
2Y	-5.14%	-0.40%	-4.73	72 / 86	Q4
3Y	+0.21%	+5.77%	-5.56	73 / 81	Q4
4Y	+3.29%	+7.86%	-4.57	70 / 78	Q4
5Y	+0.38%	+6.78%	-6.40	70 / 77	Q4
7Y	+2.38%	+8.75%	-6.37	71 / 75	Q4
10Y	+2.13%	+8.02%	-5.88	64 / 69	Q4
Inception	+4.16%	+5.82%	-1.65	67 / 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	-8.54%	-8.15%	-0.39	26 / 47
2025	-13.37%	+1.54%	-14.91	46 / 47
2024	+12.37%	+18.17%	-5.80	35 / 47
2023	+17.31%	+23.46%	-6.15	43 / 49
2022	-16.77%	+0.75%	-17.52	52 / 52
2021	+19.02%	+28.91%	-9.89	48 / 54
2020	+19.16%	+11.40%	+7.75	9 / 56
2019	-11.31%	+2.03%	-13.34	58 / 59
2018	-10.11%	-9.68%	-0.43	34 / 61
2017	+34.26%	+29.95%	+4.30	25 / 65
2016	-8.07%	-0.31%	-7.76	61 / 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

+6.91%

225 windows

min -55.8% · max 92.5%

57% positive

3-Year rolling

+5.71%

201 windows

min -8.8% · max 25.6%

82% positive

5-Year rolling

+5.47%

176 windows

min -7.1% · max 16.3%

85% positive

7-Year rolling

+5.39%

152 windows

min -1.1% · max 16.4%

97% 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

16.95%

3-year · annualised

Sharpe ratio

-0.28

vs risk-free 6.5%

Sortino ratio

-0.39

Downside-only deviation

Max drawdown

-29.57%

Dec 2024 → Mar 2026

% positive months

52.8%

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	₹63.0500	8 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.7699	8 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.6252	8 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.0800	8 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹119.8800	8 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.3174	8 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.2329	8 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹40.9460	8 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.0500	8 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.0520	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹22.3900
5 Jun 2026	₹22.7300
4 Jun 2026	₹22.7200
3 Jun 2026	₹22.6200
2 Jun 2026	₹22.7000
1 Jun 2026	₹22.6000
29 May 2026	₹22.7600
27 May 2026	₹23.1200
26 May 2026	₹23.0800
25 May 2026	₹23.1300

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 08 Jun 2026, the NAV of Religare Tax Plan - Dividend is ₹22.3900. It's a ELSS from Religare, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare Tax Plan - Dividend has NAV history starting from 02 Jan 2007, a track record of about 19 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.

Religare Tax Plan - Dividend is managed by Religare. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Religare Tax Plan - Dividend has delivered a absolute return of -10.01% — -9.8 pp behind the ELSS category average of -0.20%. The fund ranks #72 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Religare Tax Plan - Dividend has delivered a CAGR of 0.21% — -5.56 pp behind the ELSS category average of 5.77%. The fund ranks #73 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Religare Tax Plan - Dividend has delivered a CAGR of 0.38% — -6.4 pp behind the ELSS category average of 6.78%. The fund ranks #70 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Religare Tax Plan - Dividend exactly 10 years ago would be worth approximately ₹123,497 today — a multiplier of 1.23×, based on the 10-year CAGR of 2.13%. The category average over the same window would have grown ₹1 lakh to ₹216,239.

A ₹10,000 monthly SIP in Religare Tax Plan - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹572,318 today. That's an XIRR (money-weighted annualised return) of -1.85%.

A ₹10,000 monthly SIP for 10 years in Religare Tax Plan - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,281,936 (multiplier 1.07×). XIRR: 1.30%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare Tax Plan - Dividend ranks #70 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 0.38%.

The worst peak-to-trough decline Religare Tax Plan - Dividend has experienced over the last 5-year window is 30.38% — its NAV fell from a high on 14 Jan 2022 to a low on 17 Jun 2022. 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, Religare Tax Plan - Dividend averaged 5.47% (best 16.30%, worst -7.10%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is -0.27 — negative risk-adjusted performance.

In calendar year 2025, Religare Tax Plan - Dividend returned -13.37% — lagging the ELSS category average of 1.54% by 14.91 pp. It ranked #46 of 47 in its category that year.

Religare Tax Plan - 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. Religare Tax Plan - 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: 30.4%. 5-year CAGR: 0.38%.

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