Should I invest in HDFC ELSS Tax saver?

We don't give personal investment advice. HDFC ELSS Tax saver - IDCW 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: 23.8%. 5-year CAGR: 7.87%.

HDFC

HDFC ELSS Tax saver - IDCW Option - Direct Plan

Latest NAV

₹93.5760

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	+0.73%	+0.18%	+0.55	6 / 76	Q1
1W	+0.24%	+0.02%	+0.22	19 / 76	Q1
2W	+0.38%	+0.25%	+0.12	27 / 76	Q2
1M	+1.95%	+1.60%	+0.34	24 / 76	Q2
3M	+0.55%	+3.34%	-2.80	68 / 76	Q4
6M	-10.79%	+1.60%	-12.38	76 / 76	Q4
YTD	-11.75%	+0.65%	-12.40	75 / 76	Q4
1Y	-8.63%	+3.29%	-11.93	72 / 76	Q4
2Y	-5.24%	+2.13%	-7.36	67 / 75	Q4
3Y	+7.32%	+10.81%	-3.50	63 / 75	Q4
4Y	+9.52%	+12.20%	-2.68	58 / 69	Q4
5Y	+7.87%	+10.65%	-2.78	54 / 65	Q4
7Y	+7.81%	+13.29%	-5.47	57 / 63	Q4
10Y	+4.77%	+10.17%	-5.40	45 / 46	Q4
Inception	+3.86%	+11.17%	-7.31	76 / 76	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	-11.75%	-1.35%	-10.40	69 / 70
2025	+2.55%	+2.19%	+0.36	42 / 70
2024	+13.37%	+16.51%	-3.14	35 / 70
2023	+22.82%	+24.04%	-1.23	33 / 68
2022	+1.80%	+1.46%	+0.34	27 / 65
2021	+27.48%	+33.28%	-5.79	30 / 68
2020	-0.35%	+13.91%	-14.26	66 / 68
2019	-7.31%	+5.99%	-13.30	59 / 66
2018	-18.96%	-7.59%	-11.37	48 / 56
2017	+25.15%	+29.87%	-4.73	39 / 50
2016	-4.23%	+1.05%	-5.28	42 / 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

+8.07%

153 windows

min -35.1% · max 57.4%

58% positive

3-Year rolling

+5.51%

129 windows

min -16.6% · max 23.8%

71% positive

5-Year rolling

+4.58%

105 windows

min -10.8% · max 22.5%

76% positive

7-Year rolling

+3.45%

80 windows

min -3.3% · max 9.1%

85% 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

16.31%

3-year · annualised

Sharpe ratio

0.12

vs risk-free 6.5%

Sortino ratio

0.17

Downside-only deviation

Max drawdown

-23.76%

Sep 2024 → 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 - 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
Mirae Asset ELSS Tax Saver Fund - Direct Plan - IDCW	Mirae Asset	₹27.0040	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹93.5760
16 Jul 2026	₹92.9010
15 Jul 2026	₹93.0520
14 Jul 2026	₹92.7320
13 Jul 2026	₹93.4300
10 Jul 2026	₹93.3530
9 Jul 2026	₹92.3850
8 Jul 2026	₹91.9370
7 Jul 2026	₹93.9910
6 Jul 2026	₹93.8060

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 HDFC ELSS Tax saver - IDCW Option - Direct Plan is ₹93.5760. It's a ELSS from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

HDFC ELSS Tax saver - IDCW 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 - IDCW Option - Direct Plan has delivered a absolute return of -8.63% — -11.93 pp behind the ELSS category average of 3.29%. The fund ranks #72 of 76 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC ELSS Tax saver - IDCW Option - Direct Plan has delivered a CAGR of 7.32% — -3.5 pp behind the ELSS category average of 10.81%. The fund ranks #63 of 75 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC ELSS Tax saver - IDCW Option - Direct Plan has delivered a CAGR of 7.87% — -2.78 pp behind the ELSS category average of 10.65%. The fund ranks #54 of 65 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC ELSS Tax saver - IDCW Option - Direct Plan exactly 10 years ago would be worth approximately ₹159,411 today — a multiplier of 1.59×, based on the 10-year CAGR of 4.77%. The category average over the same window would have grown ₹1 lakh to ₹263,459.

A ₹10,000 monthly SIP in HDFC ELSS Tax saver - IDCW Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹677,434 today. That's an XIRR (money-weighted annualised return) of 4.80%.

A ₹10,000 monthly SIP for 10 years in HDFC ELSS Tax saver - IDCW Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,655,200 (multiplier 1.38×). XIRR: 6.26%. 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 - IDCW Option - Direct Plan ranks #54 out of 65 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.65%; this fund delivered 7.87%.

The worst peak-to-trough decline HDFC ELSS Tax saver - IDCW Option - Direct Plan has experienced over the last 5-year window is 23.76% — its NAV fell from a high on 26 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, HDFC ELSS Tax saver - IDCW Option - Direct Plan averaged 4.58% (best 22.55%, worst -10.77%). 76% of rolling windows ended positive. The 5-year Sharpe ratio is 0.14 — weak risk-adjusted performance.

In calendar year 2025, HDFC ELSS Tax saver - IDCW Option - Direct Plan returned 2.55% — beating the ELSS category average of 2.19% by 0.36 pp. It ranked #42 of 70 in its category that year.

HDFC ELSS Tax saver - IDCW 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 - IDCW 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: 23.8%. 5-year CAGR: 7.87%.

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