Should I invest in DSP ELSS Tax Saver Fund?

We don't give personal investment advice. DSP ELSS Tax Saver Fund - Direct Plan - IDCW 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: 18.9%. 5-year CAGR: 10.85%.

DSP

DSP ELSS Tax Saver Fund - Direct Plan - IDCW

Latest NAV

₹88.3920

As of

3 Jun 2026

3,301 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%	+0.12%	+0.01	39 / 76	Q3
1W	-2.14%	-1.31%	-0.83	63 / 76	Q4
2W	-0.61%	+0.08%	-0.69	64 / 76	Q4
1M	-2.32%	-0.99%	-1.33	65 / 76	Q4
3M	-5.74%	-0.23%	-5.50	68 / 76	Q4
6M	-7.98%	-4.25%	-3.73	58 / 76	Q4
YTD	-9.20%	-3.63%	-5.57	62 / 76	Q4
1Y	-4.88%	+1.70%	-6.58	40 / 76	Q3
2Y	+1.09%	+3.10%	-2.01	51 / 75	Q3
3Y	+13.54%	+10.95%	+2.58	24 / 75	Q2
4Y	+13.00%	+11.02%	+1.98	22 / 69	Q2
5Y	+10.85%	+10.65%	+0.20	28 / 65	Q2
7Y	+13.20%	+11.69%	+1.51	18 / 63	Q2
10Y	+13.89%	+10.10%	+3.79	4 / 46	Q1
Inception	+14.89%	+10.74%	+4.16	10 / 76	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	-9.20%	-5.99%	-3.21	56 / 70
2025	+5.30%	+2.19%	+3.11	12 / 70
2024	+21.05%	+16.51%	+4.54	14 / 70
2023	+26.93%	+24.04%	+2.89	21 / 68
2022	+2.25%	+1.46%	+0.79	26 / 65
2021	+30.90%	+33.28%	-2.38	27 / 68
2020	+13.74%	+13.91%	-0.17	31 / 68
2019	+15.63%	+5.99%	+9.63	3 / 66
2018	-6.18%	-7.59%	+1.40	26 / 56
2017	+37.21%	+29.87%	+7.34	11 / 50
2016	+11.16%	+1.05%	+10.11	4 / 46

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

+18.82%

152 windows

min -27.6% · max 82.5%

82% positive

3-Year rolling

+16.27%

127 windows

min -4.9% · max 30.8%

98% positive

5-Year rolling

+15.76%

103 windows

min 2.1% · max 24.9%

100% positive

7-Year rolling

+15.18%

79 windows

min 11.3% · max 18.9%

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

14.16%

3-year · annualised

Sharpe ratio

0.51

vs risk-free 6.5%

Sortino ratio

0.80

Downside-only deviation

Max drawdown

-17.33%

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 - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹88.3920
2 Jun 2026	₹88.5460
1 Jun 2026	₹88.4350
29 May 2026	₹89.2400
27 May 2026	₹90.3370
26 May 2026	₹90.4810
25 May 2026	₹90.8830
22 May 2026	₹89.5720
21 May 2026	₹89.1790
20 May 2026	₹89.0810

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 - IDCW is ₹88.3920. It's a ELSS from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP ELSS Tax Saver Fund - Direct Plan - IDCW has NAV history starting from 03 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 - IDCW 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 - IDCW has delivered a absolute return of -4.88% — -6.58 pp behind the ELSS category average of 1.70%. The fund ranks #40 of 76 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP ELSS Tax Saver Fund - Direct Plan - IDCW has delivered a CAGR of 13.54% — +2.58 pp ahead of the ELSS category average of 10.95%. The fund ranks #24 of 75 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP ELSS Tax Saver Fund - Direct Plan - IDCW has delivered a CAGR of 10.85% — +0.2 pp ahead of the ELSS category average of 10.65%. The fund ranks #28 of 65 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP ELSS Tax Saver Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹367,015 today — a multiplier of 3.67×, based on the 10-year CAGR of 13.89%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in DSP ELSS Tax Saver Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹751,447 today. That's an XIRR (money-weighted annualised return) of 8.93%.

A ₹10,000 monthly SIP for 10 years in DSP ELSS Tax Saver Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,337,170 (multiplier 1.95×). XIRR: 12.79%. 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 - IDCW ranks #28 out of 65 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 10.65%; this fund delivered 10.85%.

The worst peak-to-trough decline DSP ELSS Tax Saver Fund - Direct Plan - IDCW has experienced over the last 5-year window is 18.85% — 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 - IDCW averaged 15.76% (best 24.86%, worst 2.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2025, DSP ELSS Tax Saver Fund - Direct Plan - IDCW returned 5.30% — beating the ELSS category average of 2.19% by 3.11 pp. It ranked #12 of 70 in its category that year.

DSP ELSS Tax Saver Fund - Direct Plan - IDCW 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 - IDCW 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: 18.9%. 5-year CAGR: 10.85%.

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