Should I invest in HDFC TaxSaver?

We don't give personal investment advice. HDFC TaxSaver-Growth 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: 15.0%. 5-year CAGR: 15.80%.

HDFC

HDFC TaxSaver-Growth Plan

Latest NAV

₹1,309.1880

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	35 / 90	Q2
1W	-1.87%	-4.12%	+2.25	65 / 87	Q3
2W	-0.69%	-3.75%	+3.06	62 / 87	Q3
1M	-2.28%	-5.60%	+3.32	58 / 87	Q3
3M	-6.85%	-5.40%	-1.45	73 / 87	Q4
6M	-10.15%	-3.98%	-6.17	75 / 89	Q4
YTD	-10.24%	-5.20%	-5.04	75 / 89	Q4
1Y	-5.31%	+1.41%	-6.71	60 / 87	Q3
2Y	+1.94%	-0.15%	+2.09	36 / 86	Q2
3Y	+15.45%	+6.12%	+9.33	17 / 81	Q1
4Y	+16.07%	+7.91%	+8.16	8 / 78	Q1
5Y	+15.80%	+6.94%	+8.85	5 / 77	Q1
7Y	+13.58%	+8.75%	+4.83	17 / 75	Q1
10Y	+13.47%	+8.10%	+5.37	15 / 69	Q1
Inception	+11.95%	+5.86%	+6.10	23 / 91	Q2

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	-10.24%	-7.12%	-3.12	40 / 47
2025	+9.85%	+1.54%	+8.32	1 / 47
2024	+21.35%	+18.17%	+3.17	20 / 47
2023	+32.63%	+23.46%	+9.17	4 / 49
2022	+10.47%	+0.75%	+9.72	4 / 52
2021	+34.92%	+28.91%	+6.01	11 / 54
2020	+5.37%	+11.40%	-6.03	44 / 56
2019	+3.22%	+2.03%	+1.19	31 / 59
2018	-10.38%	-9.68%	-0.70	35 / 61
2017	+37.44%	+29.95%	+7.48	12 / 65
2016	+6.78%	-0.31%	+7.09	7 / 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

+16.45%

234 windows

min -55.1% · max 116.7%

74% positive

3-Year rolling

+13.89%

210 windows

min -10.7% · max 34.8%

91% positive

5-Year rolling

+13.21%

185 windows

min -3.4% · max 28.8%

99% positive

7-Year rolling

+12.56%

161 windows

min 6.2% · max 22.8%

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

0.69

vs risk-free 6.5%

Sortino ratio

1.12

Downside-only deviation

Max drawdown

-15.03%

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
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5390	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	₹1,309.1880
2 Jun 2026	₹1,310.9910
1 Jun 2026	₹1,309.2540
29 May 2026	₹1,320.2760
27 May 2026	₹1,336.1850
26 May 2026	₹1,335.9570
25 May 2026	₹1,341.5560
22 May 2026	₹1,325.0010
21 May 2026	₹1,319.7980
20 May 2026	₹1,319.2660

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-Growth Plan is ₹1,309.1880. 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-Growth 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-Growth 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-Growth Plan has delivered a absolute return of -5.31% — -6.71 pp behind the ELSS category average of 1.41%. The fund ranks #60 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC TaxSaver-Growth Plan has delivered a CAGR of 15.45% — +9.33 pp ahead of the ELSS category average of 6.12%. The fund ranks #17 of 81 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC TaxSaver-Growth Plan has delivered a CAGR of 15.80% — +8.85 pp ahead of the ELSS category average of 6.94%. The fund ranks #5 of 77 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC TaxSaver-Growth Plan exactly 10 years ago would be worth approximately ₹353,905 today — a multiplier of 3.54×, based on the 10-year CAGR of 13.47%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in HDFC TaxSaver-Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹808,962 today. That's an XIRR (money-weighted annualised return) of 11.89%.

A ₹10,000 monthly SIP for 10 years in HDFC TaxSaver-Growth Plan = ₹1,200,000 invested. It would currently be worth ₹2,445,088 (multiplier 2.04×). XIRR: 13.63%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC TaxSaver-Growth Plan ranks #5 out of 77 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.94%; this fund delivered 15.80%.

The worst peak-to-trough decline HDFC TaxSaver-Growth Plan has experienced over the last 5-year window is 15.03% — 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 TaxSaver-Growth Plan averaged 13.21% (best 28.80%, worst -3.42%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.72 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC TaxSaver-Growth Plan returned 9.85% — beating the ELSS category average of 1.54% by 8.32 pp. It ranked #1 of 47 in its category that year.

HDFC TaxSaver-Growth 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-Growth 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: 15.0%. 5-year CAGR: 15.80%.

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