Should I invest in HDFC ELSS Tax saver?

We don't give personal investment advice. HDFC ELSS Tax saver - Growth Option - Direct Plan 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: 14.8%. 5-year CAGR: 16.51%.

HDFC

HDFC ELSS Tax saver - Growth Option - Direct Plan

Latest NAV

₹1,421.3430

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%	+0.24%	-0.11	39 / 59	Q3
1W	-1.86%	-1.27%	-0.58	37 / 59	Q3
2W	-0.66%	+0.30%	-0.96	50 / 59	Q4
1M	-2.24%	-0.87%	-1.37	48 / 59	Q4
3M	-6.71%	+0.83%	-7.54	58 / 59	Q4
6M	-9.87%	-2.14%	-7.73	58 / 59	Q4
YTD	-10.02%	-1.56%	-8.46	59 / 59	Q4
1Y	-4.71%	+5.96%	-10.68	53 / 59	Q4
2Y	+2.57%	+5.58%	-3.01	39 / 58	Q3
3Y	+16.16%	+14.58%	+1.58	20 / 58	Q2
4Y	+16.78%	+14.85%	+1.93	14 / 51	Q2
5Y	+16.51%	+14.46%	+2.04	12 / 47	Q2
7Y	+14.27%	+15.51%	-1.24	28 / 45	Q3
10Y	+14.19%	+14.50%	-0.31	12 / 27	Q2
Inception	+13.96%	+14.13%	-0.18	32 / 59	Q3

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	-10.02%	-4.44%	-5.57	53 / 53
2025	+10.53%	+3.70%	+6.83	4 / 53
2024	+22.09%	+20.13%	+1.96	18 / 53
2023	+33.44%	+30.82%	+2.62	15 / 51
2022	+11.14%	+3.78%	+7.37	3 / 47
2021	+35.69%	+39.32%	-3.63	26 / 50
2020	+6.00%	+18.42%	-12.42	49 / 50
2019	+3.84%	+6.48%	-2.65	35 / 47
2018	-9.70%	-7.38%	-2.32	28 / 37
2017	+38.39%	+38.27%	+0.12	12 / 31
2016	+7.49%	+5.54%	+1.94	9 / 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

+18.47%

152 windows

min -35.2% · max 86.8%

80% positive

3-Year rolling

+15.21%

128 windows

min -10.1% · max 32.1%

92% positive

5-Year rolling

+14.24%

103 windows

min -2.8% · max 29.6%

99% positive

7-Year rolling

+13.03%

79 windows

min 6.8% · max 17.8%

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

12.62%

3-year · annualised

Sharpe ratio

0.74

vs risk-free 6.5%

Sortino ratio

1.21

Downside-only deviation

Max drawdown

-14.81%

Oct 2025 → Mar 2026

% 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
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
Mirae Asset ELSS Tax Saver Fund - Direct Plan - Growth	Mirae Asset	₹54.9000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,421.3430
2 Jun 2026	₹1,423.2780
1 Jun 2026	₹1,421.3690
29 May 2026	₹1,433.2660
27 May 2026	₹1,450.4910
26 May 2026	₹1,450.2210
25 May 2026	₹1,456.2750
22 May 2026	₹1,438.2360
21 May 2026	₹1,432.5660
20 May 2026	₹1,431.9650

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 HDFC ELSS Tax saver - Growth Option - Direct Plan is ₹1,421.3430. It's a ELSS from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC ELSS Tax saver - Growth Option - Direct Plan has NAV history starting from 01 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.

HDFC ELSS Tax saver - Growth Option - Direct Plan is managed by HDFC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC ELSS Tax saver - Growth Option - Direct Plan has delivered a absolute return of -4.71% — -10.68 pp behind the ELSS category average of 5.96%. The fund ranks #53 of 59 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC ELSS Tax saver - Growth Option - Direct Plan has delivered a CAGR of 16.16% — +1.58 pp ahead of the ELSS category average of 14.58%. The fund ranks #20 of 58 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC ELSS Tax saver - Growth Option - Direct Plan has delivered a CAGR of 16.51% — +2.04 pp ahead of the ELSS category average of 14.46%. The fund ranks #12 of 47 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC ELSS Tax saver - Growth Option - Direct Plan exactly 10 years ago would be worth approximately ₹376,961 today — a multiplier of 3.77×, based on the 10-year CAGR of 14.19%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

A ₹10,000 monthly SIP in HDFC ELSS Tax saver - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹823,605 today. That's an XIRR (money-weighted annualised return) of 12.62%.

A ₹10,000 monthly SIP for 10 years in HDFC ELSS Tax saver - Growth Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,537,981 (multiplier 2.12×). XIRR: 14.33%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC ELSS Tax saver - Growth Option - Direct Plan ranks #12 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 16.51%.

The worst peak-to-trough decline HDFC ELSS Tax saver - Growth Option - Direct Plan has experienced over the last 5-year window is 14.81% — its NAV fell from a high on 29 Oct 2025 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, HDFC ELSS Tax saver - Growth Option - Direct Plan averaged 14.24% (best 29.58%, worst -2.79%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.77 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC ELSS Tax saver - Growth Option - Direct Plan returned 10.53% — beating the ELSS category average of 3.70% by 6.83 pp. It ranked #4 of 53 in its category that year.

HDFC ELSS Tax saver - Growth Option - Direct Plan 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. HDFC ELSS Tax saver - Growth Option - Direct Plan 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: 14.8%. 5-year CAGR: 16.51%.

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