Should I invest in DSP ELSS Tax Saver Fund?

We don't give personal investment advice. DSP ELSS Tax Saver Fund - Direct Plan - Growth 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: 17.1%. 5-year CAGR: 14.24%.

DSP

DSP ELSS Tax Saver Fund - Direct Plan - Growth

Latest NAV

₹157.3590

As of

17 Jul 2026

3,333 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	+0.82%	+0.16%	+0.65	4 / 59	Q1
1W	+0.42%	+0.01%	+0.41	14 / 59	Q1
2W	+0.41%	+0.41%	0.00	23 / 59	Q2
1M	+1.74%	+1.60%	+0.14	27 / 59	Q2
3M	+2.04%	+3.41%	-1.37	40 / 59	Q3
6M	-2.26%	+3.24%	-5.49	46 / 59	Q4
YTD	-3.14%	+2.42%	-5.56	46 / 59	Q4
1Y	+0.21%	+6.87%	-6.65	40 / 59	Q3
2Y	+2.25%	+4.51%	-2.26	31 / 58	Q3
3Y	+16.20%	+14.16%	+2.04	17 / 58	Q2
4Y	+17.49%	+15.94%	+1.54	16 / 51	Q2
5Y	+14.24%	+14.21%	+0.03	20 / 47	Q2
7Y	+17.97%	+17.19%	+0.78	17 / 45	Q2
10Y	+15.91%	+14.50%	+1.40	6 / 27	Q1
Inception	+16.79%	+14.54%	+2.25	14 / 59	Q1

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	-3.14%	-0.01%	-3.13	40 / 53
2025	+8.08%	+3.70%	+4.38	11 / 53
2024	+24.51%	+20.13%	+4.38	12 / 53
2023	+30.90%	+30.82%	+0.08	22 / 51
2022	+5.51%	+3.78%	+1.74	17 / 47
2021	+35.93%	+39.32%	-3.39	25 / 50
2020	+15.95%	+18.42%	-2.47	33 / 50
2019	+15.63%	+6.48%	+9.14	4 / 47
2018	-6.18%	-7.38%	+1.20	20 / 37
2017	+37.21%	+38.27%	-1.06	17 / 31
2016	+11.16%	+5.54%	+5.61	6 / 27

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

+20.54%

153 windows

min -18.8% · max 71.0%

89% positive

3-Year rolling

+18.27%

129 windows

min -1.7% · max 33.3%

98% positive

5-Year rolling

+17.51%

105 windows

min 4.6% · max 31.3%

100% positive

7-Year rolling

+16.83%

80 windows

min 11.9% · max 20.3%

100% 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

13.84%

3-year · annualised

Sharpe ratio

0.69

vs risk-free 6.5%

Sortino ratio

1.21

Downside-only deviation

Max drawdown

-16.16%

Sep 2024 → Mar 2025

% positive months

66.7%

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 ELSS Tax saver - Growth Option - Direct Plan	HDFC	₹1,497.0580	17 Jul 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹144.8728	17 Jul 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹479.1199	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹1,043.9300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹148.3100	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹179.3500	17 Jul 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹460.9956	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹69.9900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹63.7427	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,617.9351	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹157.3590
16 Jul 2026	₹156.0830
15 Jul 2026	₹156.5790
14 Jul 2026	₹156.0180
13 Jul 2026	₹156.9020
10 Jul 2026	₹156.7020
9 Jul 2026	₹154.9230
8 Jul 2026	₹153.9870
7 Jul 2026	₹157.3760
6 Jul 2026	₹157.4500

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 17 Jul 2026, the NAV of DSP ELSS Tax Saver Fund - Direct Plan - Growth is ₹157.3590. It's a ELSS from DSP, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

DSP ELSS Tax Saver Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

DSP ELSS Tax Saver Fund - Direct Plan - Growth is managed by DSP. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP ELSS Tax Saver Fund - Direct Plan - Growth has delivered a absolute return of 0.21% — -6.65 pp behind the ELSS category average of 6.87%. The fund ranks #40 of 59 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP ELSS Tax Saver Fund - Direct Plan - Growth has delivered a CAGR of 16.20% — +2.04 pp ahead of the ELSS category average of 14.16%. The fund ranks #17 of 58 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP ELSS Tax Saver Fund - Direct Plan - Growth has delivered a CAGR of 14.24% — +0.03 pp ahead of the ELSS category average of 14.21%. The fund ranks #20 of 47 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP ELSS Tax Saver Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹437,559 today — a multiplier of 4.38×, based on the 10-year CAGR of 15.91%. The category average over the same window would have grown ₹1 lakh to ₹387,351.

A ₹10,000 monthly SIP in DSP ELSS Tax Saver Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹843,600 today. That's an XIRR (money-weighted annualised return) of 13.59%.

A ₹10,000 monthly SIP for 10 years in DSP ELSS Tax Saver Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,813,106 (multiplier 2.34×). XIRR: 16.25%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP ELSS Tax Saver Fund - Direct Plan - Growth ranks #20 out of 47 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 14.21%; this fund delivered 14.24%.

The worst peak-to-trough decline DSP ELSS Tax Saver Fund - Direct Plan - Growth has experienced over the last 5-year window is 17.07% — its NAV fell from a high on 18 Oct 2021 to a low on 20 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, DSP ELSS Tax Saver Fund - Direct Plan - Growth averaged 17.51% (best 31.32%, worst 4.62%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.54 — reasonable risk-adjusted performance.

In calendar year 2025, DSP ELSS Tax Saver Fund - Direct Plan - Growth returned 8.08% — beating the ELSS category average of 3.70% by 4.38 pp. It ranked #11 of 53 in its category that year.

DSP ELSS Tax Saver Fund - Direct Plan - Growth 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. DSP ELSS Tax Saver Fund - Direct Plan - Growth 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: 17.1%. 5-year CAGR: 14.24%.

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