Should I invest in DSP ELSS Tax Saver Fund?

We don't give personal investment advice. DSP ELSS Tax Saver Fund - Regular 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: 17.6%. 5-year CAGR: 12.30%.

DSP BlackRock

DSP ELSS Tax Saver Fund - Regular Plan - Growth

Latest NAV

₹136.6760

As of

24 Jul 2026

4,801 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	-0.07%	-2.26%	+2.19	42 / 90	Q2
1W	-2.64%	-4.09%	+1.45	79 / 87	Q4
2W	-2.25%	-4.51%	+2.26	71 / 87	Q4
1M	-1.88%	-5.21%	+3.33	66 / 87	Q4
3M	+0.22%	-3.51%	+3.73	57 / 87	Q3
6M	-2.17%	-0.11%	-2.05	61 / 89	Q3
YTD	-6.17%	-3.87%	-2.31	61 / 89	Q3
1Y	-2.66%	+1.67%	-4.33	49 / 87	Q3
2Y	+0.39%	-0.94%	+1.32	38 / 86	Q2
3Y	+13.74%	+5.34%	+8.40	22 / 81	Q2
4Y	+15.05%	+8.00%	+7.05	14 / 78	Q1
5Y	+12.30%	+6.78%	+5.51	20 / 77	Q2
7Y	+16.43%	+9.69%	+6.74	9 / 75	Q1
10Y	+14.21%	+7.87%	+6.35	9 / 69	Q1
Inception	+14.12%	+5.90%	+8.22	12 / 91	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	-6.17%	-4.60%	-1.57	31 / 47
2025	+7.08%	+1.54%	+5.54	7 / 47
2024	+23.38%	+18.17%	+5.21	9 / 47
2023	+29.70%	+23.46%	+6.24	11 / 49
2022	+4.50%	+0.75%	+3.75	18 / 52
2021	+34.64%	+28.91%	+5.73	12 / 54
2020	+14.86%	+11.40%	+3.46	21 / 56
2019	+14.47%	+2.03%	+12.44	4 / 59
2018	-7.07%	-9.68%	+2.61	25 / 61
2017	+35.45%	+29.95%	+5.49	24 / 65
2016	+10.33%	-0.31%	+10.65	6 / 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

+16.95%

226 windows

min -55.0% · max 110.4%

77% positive

3-Year rolling

+15.91%

202 windows

min -3.1% · max 32.0%

97% positive

5-Year rolling

+15.56%

177 windows

min -0.5% · max 29.7%

99% positive

7-Year rolling

+15.50%

153 windows

min 7.7% · max 23.2%

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

13.35%

3-year · annualised

Sharpe ratio

0.56

vs risk-free 6.5%

Sortino ratio

0.88

Downside-only deviation

Max drawdown

-16.48%

Sep 2024 → Mar 2025

% positive months

69.4%

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 Plan	HDFC	₹1,355.4920	24 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.2789	24 Jul 2026
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹87.5266	24 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Growth	ICICI Prudential	₹920.2700	24 Jul 2026
Quantum ELSS Tax Saver Fund - Direct Plan Growth Option	Quantum	₹124.5200	24 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.0961	24 Jul 2026
Franklin India ELSS Tax Saver Fund - IDCW	Franklin Templeton	₹59.4311	24 Jul 2026
Kotak ELSS Tax Saver Fund-Growth	Kotak Mahindra	₹115.0200	24 Jul 2026
Edelweiss ELSS Tax Saver Fund - Regular Plan - Growth Option	Edelweiss	₹113.4400	24 Jul 2026
DSP ELSS Tax Saver Fund - Regular Plan - IDCW	DSP BlackRock	₹21.7170	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹136.6760
23 Jul 2026	₹136.7700
22 Jul 2026	₹137.5550
21 Jul 2026	₹139.0340
20 Jul 2026	₹139.3770
17 Jul 2026	₹140.3860
16 Jul 2026	₹139.2510
15 Jul 2026	₹139.6970
14 Jul 2026	₹139.2000
13 Jul 2026	₹139.9920

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 24 Jul 2026, the NAV of DSP ELSS Tax Saver Fund - Regular Plan - Growth is ₹136.6760. It's a ELSS from DSP BlackRock, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP ELSS Tax Saver Fund - Regular Plan - Growth has NAV history starting from 22 Jan 2007, a track record of about 19 years 6 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.

DSP ELSS Tax Saver Fund - Regular Plan - Growth is managed by DSP BlackRock. 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 - Regular Plan - Growth has delivered a absolute return of -2.66% — -4.33 pp behind the ELSS category average of 1.67%. The fund ranks #49 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP ELSS Tax Saver Fund - Regular Plan - Growth has delivered a CAGR of 13.74% — +8.4 pp ahead of the ELSS category average of 5.34%. The fund ranks #22 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP ELSS Tax Saver Fund - Regular Plan - Growth has delivered a CAGR of 12.30% — +5.51 pp ahead of the ELSS category average of 6.78%. The fund ranks #20 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP ELSS Tax Saver Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹377,734 today — a multiplier of 3.78×, based on the 10-year CAGR of 14.21%. The category average over the same window would have grown ₹1 lakh to ₹213,276.

A ₹10,000 monthly SIP in DSP ELSS Tax Saver Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹803,556 today. That's an XIRR (money-weighted annualised return) of 11.63%.

A ₹10,000 monthly SIP for 10 years in DSP ELSS Tax Saver Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,590,257 (multiplier 2.16×). XIRR: 14.71%. 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 - Regular Plan - Growth ranks #20 out of 77 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 6.78%; this fund delivered 12.30%.

The worst peak-to-trough decline DSP ELSS Tax Saver Fund - Regular Plan - Growth has experienced over the last 5-year window is 17.62% — 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 - Regular Plan - Growth averaged 15.56% (best 29.65%, worst -0.50%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2025, DSP ELSS Tax Saver Fund - Regular Plan - Growth returned 7.08% — beating the ELSS category average of 1.54% by 5.54 pp. It ranked #7 of 47 in its category that year.

DSP ELSS Tax Saver Fund - Regular 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 - Regular 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: 17.6%. 5-year CAGR: 12.30%.

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