Should I invest in HDFC TaxSaver?

We don't give personal investment advice. HDFC TaxSaver-Dividend 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: 28.2%. 5-year CAGR: 4.78%.

HDFC

HDFC TaxSaver-Dividend Plan

Latest NAV

₹66.8780

As of

17 Jul 2026

4,994 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	+0.72%	-1.95%	+2.68	13 / 90	Q1
1W	+0.23%	-3.22%	+3.44	33 / 87	Q2
2W	+0.36%	-3.57%	+3.93	36 / 87	Q2
1M	+1.90%	-3.98%	+5.88	27 / 87	Q2
3M	+0.40%	-3.29%	+3.69	58 / 87	Q3
6M	-13.37%	-1.04%	-12.33	83 / 89	Q4
YTD	-14.33%	-3.07%	-11.26	83 / 89	Q4
1Y	-11.55%	+2.32%	-13.87	80 / 87	Q4
2Y	-8.20%	-0.75%	-7.45	77 / 86	Q4
3Y	+4.09%	+5.77%	-1.68	69 / 81	Q4
4Y	+6.31%	+8.62%	-2.31	59 / 78	Q4
5Y	+4.78%	+7.06%	-2.28	63 / 77	Q4
7Y	+3.65%	+9.74%	-6.10	70 / 75	Q4
10Y	+1.57%	+8.09%	-6.52	65 / 69	Q4
Inception	+0.20%	+5.96%	-5.76	81 / 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	-14.33%	-3.09%	-11.24	47 / 47
2025	-0.59%	+1.54%	-2.12	34 / 47
2024	+10.24%	+18.17%	-7.94	40 / 47
2023	+19.47%	+23.46%	-3.99	39 / 49
2022	-0.81%	+0.75%	-1.56	29 / 52
2021	+22.26%	+28.91%	-6.65	40 / 54
2020	-8.83%	+11.40%	-20.23	54 / 56
2019	-8.44%	+2.03%	-10.47	57 / 59
2018	-19.94%	-9.68%	-10.26	55 / 61
2017	+23.90%	+29.95%	-6.05	47 / 65
2016	-5.10%	-0.31%	-4.79	52 / 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

+3.68%

236 windows

min -60.5% · max 107.6%

50% positive

3-Year rolling

+1.73%

211 windows

min -20.0% · max 19.9%

56% positive

5-Year rolling

+1.05%

187 windows

min -13.1% · max 18.8%

54% positive

7-Year rolling

+0.43%

163 windows

min -5.3% · max 8.4%

58% 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

17.85%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.05

Downside-only deviation

Max drawdown

-28.24%

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
HDFC TaxSaver-Growth Plan	HDFC	₹1,377.9780	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.5675	17 Jul 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹89.3173	17 Jul 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹28.9500	17 Jul 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹125.9300	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.3525	17 Jul 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹60.8511	17 Jul 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹43.8620	17 Jul 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹30.8300	17 Jul 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹22.3070	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹66.8780
16 Jul 2026	₹66.3970
15 Jul 2026	₹66.5060
14 Jul 2026	₹66.2780
13 Jul 2026	₹66.7780
10 Jul 2026	₹66.7260
9 Jul 2026	₹66.0350
8 Jul 2026	₹65.7160
7 Jul 2026	₹67.1850
6 Jul 2026	₹67.0540

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 TaxSaver-Dividend Plan is ₹66.8780. It's a ELSS from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC TaxSaver-Dividend Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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.

HDFC TaxSaver-Dividend 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 TaxSaver-Dividend Plan has delivered a absolute return of -11.55% — -13.87 pp behind the ELSS category average of 2.32%. The fund ranks #80 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC TaxSaver-Dividend Plan has delivered a CAGR of 4.09% — -1.68 pp behind the ELSS category average of 5.77%. The fund ranks #69 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC TaxSaver-Dividend Plan has delivered a CAGR of 4.78% — -2.28 pp behind the ELSS category average of 7.06%. The fund ranks #63 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC TaxSaver-Dividend Plan exactly 10 years ago would be worth approximately ₹116,803 today — a multiplier of 1.17×, based on the 10-year CAGR of 1.57%. The category average over the same window would have grown ₹1 lakh to ₹217,608.

A ₹10,000 monthly SIP in HDFC TaxSaver-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹622,128 today. That's an XIRR (money-weighted annualised return) of 1.43%.

A ₹10,000 monthly SIP for 10 years in HDFC TaxSaver-Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,380,380 (multiplier 1.15×). XIRR: 2.75%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC TaxSaver-Dividend Plan ranks #63 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 7.06%; this fund delivered 4.78%.

The worst peak-to-trough decline HDFC TaxSaver-Dividend Plan has experienced over the last 5-year window is 28.24% — 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 TaxSaver-Dividend Plan averaged 1.05% (best 18.82%, worst -13.09%). 54% of rolling windows ended positive. The 5-year Sharpe ratio is -0.01 — negative risk-adjusted performance.

In calendar year 2025, HDFC TaxSaver-Dividend Plan returned -0.59% — lagging the ELSS category average of 1.54% by 2.12 pp. It ranked #34 of 47 in its category that year.

HDFC TaxSaver-Dividend 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 TaxSaver-Dividend 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: 28.2%. 5-year CAGR: 4.78%.

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