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: 10.99%.

DSP

DSP ELSS Tax Saver Fund - Direct Plan - IDCW

Latest NAV

₹93.2840

As of

17 Jul 2026

3,332 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%	+0.18%	+0.64	4 / 76	Q1
1W	+0.42%	+0.02%	+0.40	13 / 76	Q1
2W	+0.41%	+0.25%	+0.16	23 / 76	Q2
1M	+1.74%	+1.60%	+0.14	27 / 76	Q2
3M	+1.41%	+3.34%	-1.93	60 / 76	Q4
6M	-3.47%	+1.60%	-5.07	60 / 76	Q4
YTD	-4.34%	+0.65%	-4.99	56 / 76	Q3
1Y	-2.27%	+3.29%	-5.56	53 / 76	Q3
2Y	-0.40%	+2.13%	-2.53	52 / 75	Q3
3Y	+13.07%	+10.81%	+2.26	24 / 75	Q2
4Y	+14.19%	+12.20%	+1.99	22 / 69	Q2
5Y	+10.99%	+10.65%	+0.34	27 / 65	Q2
7Y	+14.88%	+13.29%	+1.59	19 / 63	Q2
10Y	+13.77%	+10.17%	+3.60	4 / 46	Q1
Inception	+15.19%	+11.17%	+4.02	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	-4.34%	-1.35%	-2.99	50 / 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

+18.84%

153 windows

min -19.7% · max 66.7%

82% positive

3-Year rolling

+16.60%

129 windows

min -2.1% · max 31.2%

98% positive

5-Year rolling

+15.88%

105 windows

min 4.4% · max 27.6%

100% positive

7-Year rolling

+15.24%

80 windows

min 11.7% · max 19.7%

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

13.72%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

0.82

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	₹93.5760	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹22.6321	17 Jul 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹118.6726	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹44.8300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹32.2400	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹41.5040	17 Jul 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹61.4528	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹439.8600	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹39.4071	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹70.8461	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹93.2840
16 Jul 2026	₹92.5270
15 Jul 2026	₹92.8210
14 Jul 2026	₹92.4880
13 Jul 2026	₹93.0120
10 Jul 2026	₹92.8940
9 Jul 2026	₹91.8400
8 Jul 2026	₹91.2850
7 Jul 2026	₹93.2930
6 Jul 2026	₹93.3370

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 - IDCW is ₹93.2840. 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 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 - 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 -2.27% — -5.56 pp behind the ELSS category average of 3.29%. The fund ranks #53 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 13.07% — +2.26 pp ahead of the ELSS category average of 10.81%. 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 10.99% — +0.34 pp ahead of the ELSS category average of 10.65%. The fund ranks #27 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 ₹363,339 today — a multiplier of 3.63×, based on the 10-year CAGR of 13.77%. The category average over the same window would have grown ₹1 lakh to ₹263,459.

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 ₹780,278 today. That's an XIRR (money-weighted annualised return) of 10.44%.

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 ₹2,423,262 (multiplier 2.02×). XIRR: 13.47%. 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 #27 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 10.99%.

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 15.88% (best 27.62%, worst 4.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — 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: 10.99%.

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