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: 14.09%.

DSP

DSP ELSS Tax Saver Fund - Direct Plan - Growth

Latest NAV

₹149.1070

As of

3 Jun 2026

3,302 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	+0.13%	+0.24%	-0.12	40 / 59	Q3
1W	-2.14%	-1.27%	-0.86	46 / 59	Q4
2W	-0.61%	+0.30%	-0.91	48 / 59	Q4
1M	-1.70%	-0.87%	-0.84	39 / 59	Q3
3M	-5.14%	+0.83%	-5.98	53 / 59	Q4
6M	-6.83%	-2.14%	-4.68	43 / 59	Q3
YTD	-8.06%	-1.56%	-6.50	48 / 59	Q4
1Y	-2.46%	+5.96%	-8.42	41 / 59	Q3
2Y	+3.78%	+5.58%	-1.80	25 / 58	Q2
3Y	+16.68%	+14.58%	+2.10	16 / 58	Q2
4Y	+16.26%	+14.85%	+1.41	17 / 51	Q2
5Y	+14.09%	+14.46%	-0.37	23 / 47	Q2
7Y	+16.25%	+15.51%	+0.74	19 / 45	Q2
10Y	+16.02%	+14.50%	+1.52	6 / 27	Q1
Inception	+16.50%	+14.13%	+2.37	13 / 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	-8.06%	-4.44%	-3.61	42 / 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

+20.52%

152 windows

min -26.7% · max 86.6%

87% positive

3-Year rolling

+17.94%

127 windows

min -4.5% · max 30.8%

98% positive

5-Year rolling

+17.38%

103 windows

min 2.3% · max 28.5%

100% positive

7-Year rolling

+16.73%

79 windows

min 11.5% · max 20.1%

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

14.22%

3-year · annualised

Sharpe ratio

0.71

vs risk-free 6.5%

Sortino ratio

1.13

Downside-only deviation

Max drawdown

-16.16%

Sep 2024 → Mar 2025

% positive months

72.2%

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	₹1,421.3430	3 Jun 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹140.6038	3 Jun 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹458.2222	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹990.7700	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹138.0800	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹173.1540	3 Jun 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹443.2149	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹66.4800	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹62.1822	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,537.4743	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹149.1070
2 Jun 2026	₹149.3680
1 Jun 2026	₹149.1800
29 May 2026	₹150.5380
27 May 2026	₹152.3880
26 May 2026	₹152.6310
25 May 2026	₹153.3100
22 May 2026	₹151.0980
21 May 2026	₹150.4350
20 May 2026	₹150.2690

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 03 Jun 2026, the NAV of DSP ELSS Tax Saver Fund - Direct Plan - Growth is ₹149.1070. 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 5 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 -2.46% — -8.42 pp behind the ELSS category average of 5.96%. The fund ranks #41 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 16.68% — +2.1 pp ahead of the ELSS category average of 14.58%. The fund ranks #16 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 14.09% — -0.37 pp behind the ELSS category average of 14.46%. The fund ranks #23 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 ₹441,969 today — a multiplier of 4.42×, based on the 10-year CAGR of 16.02%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

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 ₹815,504 today. That's an XIRR (money-weighted annualised return) of 12.22%.

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 ₹2,718,299 (multiplier 2.27×). XIRR: 15.61%. 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 #23 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 14.46%; this fund delivered 14.09%.

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 17.38% (best 28.48%, worst 2.29%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.56 — 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: 14.09%.

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