Should I invest in DSP ELSS Tax Saver Fund?

We don't give personal investment advice. DSP ELSS Tax Saver Fund - Regular 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: 26.3%. 5-year CAGR: 1.81%.

DSP BlackRock

DSP ELSS Tax Saver Fund - Regular Plan - IDCW

Latest NAV

₹21.7170

As of

24 Jul 2026

4,800 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	43 / 90	Q2
1W	-2.64%	-4.09%	+1.45	80 / 87	Q4
2W	-2.25%	-4.51%	+2.26	70 / 87	Q4
1M	-1.88%	-5.21%	+3.33	67 / 87	Q4
3M	-2.34%	-3.51%	+1.17	63 / 87	Q3
6M	-7.05%	-0.11%	-6.93	80 / 89	Q4
YTD	-10.85%	-3.87%	-6.98	80 / 89	Q4
1Y	-11.98%	+1.67%	-13.65	77 / 87	Q4
2Y	-9.24%	-0.94%	-8.30	78 / 86	Q4
3Y	+2.88%	+5.34%	-2.46	70 / 81	Q4
4Y	+4.06%	+8.00%	-3.94	69 / 78	Q4
5Y	+1.81%	+6.78%	-4.97	69 / 77	Q4
7Y	+5.88%	+9.69%	-3.81	62 / 75	Q4
10Y	+3.28%	+7.87%	-4.59	61 / 69	Q4
Inception	+3.86%	+5.90%	-2.05	71 / 91	Q4

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	-10.85%	-4.60%	-6.25	45 / 47
2025	-3.12%	+1.54%	-4.65	39 / 47
2024	+11.68%	+18.17%	-6.49	38 / 47
2023	+17.31%	+23.46%	-6.15	42 / 49
2022	-4.98%	+0.75%	-5.73	42 / 52
2021	+21.14%	+28.91%	-7.77	43 / 54
2020	+9.16%	+11.40%	-2.24	35 / 56
2019	+0.58%	+2.03%	-1.45	41 / 59
2018	-17.75%	-9.68%	-8.07	52 / 61
2017	+22.62%	+29.95%	-7.33	50 / 65
2016	-2.02%	-0.31%	-1.71	45 / 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

+6.92%

226 windows

min -66.5% · max 110.4%

55% positive

3-Year rolling

+5.82%

202 windows

min -13.9% · max 30.1%

79% positive

5-Year rolling

+5.26%

177 windows

min -8.7% · max 18.5%

86% positive

7-Year rolling

+4.79%

153 windows

min -0.9% · max 15.6%

97% 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

13.40%

3-year · annualised

Sharpe ratio

-0.19

vs risk-free 6.5%

Sortino ratio

-0.28

Downside-only deviation

Max drawdown

-26.27%

Sep 2024 → Mar 2026

% positive months

58.3%

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 - Growth	DSP BlackRock	₹136.6760	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹21.7170
23 Jul 2026	₹21.7320
22 Jul 2026	₹21.8570
21 Jul 2026	₹22.0920
20 Jul 2026	₹22.1460
17 Jul 2026	₹22.3070
16 Jul 2026	₹22.1260
15 Jul 2026	₹22.1970
14 Jul 2026	₹22.1180
13 Jul 2026	₹22.2440

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 - IDCW is ₹21.7170. 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 - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of -11.98% — -13.65 pp behind the ELSS category average of 1.67%. The fund ranks #77 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP ELSS Tax Saver Fund - Regular Plan - IDCW has delivered a CAGR of 2.88% — -2.46 pp behind the ELSS category average of 5.34%. The fund ranks #70 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP ELSS Tax Saver Fund - Regular Plan - IDCW has delivered a CAGR of 1.81% — -4.97 pp behind the ELSS category average of 6.78%. The fund ranks #69 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP ELSS Tax Saver Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹138,122 today — a multiplier of 1.38×, based on the 10-year CAGR of 3.28%. 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 - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹613,921 today. That's an XIRR (money-weighted annualised return) of 0.90%.

A ₹10,000 monthly SIP for 10 years in DSP ELSS Tax Saver Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,467,720 (multiplier 1.22×). XIRR: 3.95%. 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 - IDCW ranks #69 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.78%; this fund delivered 1.81%.

The worst peak-to-trough decline DSP ELSS Tax Saver Fund - Regular Plan - IDCW has experienced over the last 5-year window is 26.27% — its NAV fell from a high on 27 Sep 2024 to a low on 31 Mar 2026. 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 - IDCW averaged 5.26% (best 18.55%, worst -8.67%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -0.26 — negative risk-adjusted performance.

In calendar year 2025, DSP ELSS Tax Saver Fund - Regular Plan - IDCW returned -3.12% — lagging the ELSS category average of 1.54% by 4.65 pp. It ranked #39 of 47 in its category that year.

DSP ELSS Tax Saver Fund - Regular 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 - Regular 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: 26.3%. 5-year CAGR: 1.81%.

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