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: 4.68%.

HDFC

HDFC TaxSaver-Dividend Plan

Latest NAV

₹63.5390

As of

3 Jun 2026

4,963 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%	-2.11%	+2.24	34 / 90	Q2
1W	-1.87%	-4.12%	+2.25	64 / 87	Q3
2W	-0.69%	-3.75%	+3.06	61 / 87	Q3
1M	-2.28%	-5.60%	+3.32	57 / 87	Q3
3M	-6.84%	-5.40%	-1.45	72 / 87	Q4
6M	-18.41%	-3.98%	-14.43	84 / 89	Q4
YTD	-18.49%	-5.20%	-13.29	83 / 89	Q4
1Y	-14.01%	+1.41%	-15.42	82 / 87	Q4
2Y	-7.59%	-0.15%	-7.44	78 / 86	Q4
3Y	+4.73%	+6.12%	-1.39	68 / 81	Q4
4Y	+5.11%	+7.91%	-2.80	62 / 78	Q4
5Y	+4.68%	+6.94%	-2.26	63 / 77	Q4
7Y	+2.08%	+8.75%	-6.68	72 / 75	Q4
10Y	+1.81%	+8.10%	-6.29	65 / 69	Q4
Inception	-0.05%	+5.86%	-5.91	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	-18.49%	-7.12%	-11.37	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

+3.82%

234 windows

min -60.5% · max 91.3%

46% positive

3-Year rolling

+1.58%

210 windows

min -21.3% · max 21.4%

56% positive

5-Year rolling

+1.00%

185 windows

min -14.3% · max 16.4%

52% positive

7-Year rolling

+0.37%

161 windows

min -5.6% · max 9.1%

57% 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

14.88%

3-year · annualised

Sharpe ratio

-0.05

vs risk-free 6.5%

Sortino ratio

-0.07

Downside-only deviation

Max drawdown

-28.24%

Sep 2024 → Mar 2026

% positive months

63.9%

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	₹1,309.1880	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹63.5390
2 Jun 2026	₹63.6270
1 Jun 2026	₹63.5420
29 May 2026	₹64.0770
27 May 2026	₹64.8500
26 May 2026	₹64.8380
25 May 2026	₹65.1100
22 May 2026	₹64.3070
21 May 2026	₹64.0540
20 May 2026	₹64.0280

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 TaxSaver-Dividend Plan is ₹63.5390. 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 2 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 -14.01% — -15.42 pp behind the ELSS category average of 1.41%. The fund ranks #82 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC TaxSaver-Dividend Plan has delivered a CAGR of 4.73% — -1.39 pp behind the ELSS category average of 6.12%. The fund ranks #68 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC TaxSaver-Dividend Plan has delivered a CAGR of 4.68% — -2.26 pp behind the ELSS category average of 6.94%. 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 ₹119,674 today — a multiplier of 1.20×, based on the 10-year CAGR of 1.81%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in HDFC TaxSaver-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹595,392 today. That's an XIRR (money-weighted annualised return) of -0.30%.

A ₹10,000 monthly SIP for 10 years in HDFC TaxSaver-Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,310,777 (multiplier 1.09×). XIRR: 1.74%. 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 6.94%; this fund delivered 4.68%.

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 1.00% (best 16.39%, worst -14.32%). 52% of rolling windows ended positive. The 5-year Sharpe ratio is -0.04 — 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: 4.68%.

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