Should I invest in ICICI Prudential ELSS Tax Saver Fund?

We don't give personal investment advice. ICICI Prudential ELSS Tax Saver Fund - IDCW 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: 28.3%. 5-year CAGR: -1.37%.

ICICI Prudential

ICICI Prudential ELSS Tax Saver Fund - IDCW

Latest NAV

₹20.9600

As of

24 Jul 2026

5,000 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	-0.24%	-2.26%	+2.02	56 / 90	Q3
1W	-1.55%	-4.09%	+2.54	51 / 87	Q3
2W	-1.64%	-4.51%	+2.87	50 / 87	Q3
1M	-0.95%	-5.21%	+4.27	47 / 87	Q3
3M	-1.92%	-3.51%	+1.59	61 / 87	Q3
6M	-5.92%	-0.11%	-5.81	76 / 89	Q4
YTD	-10.77%	-3.87%	-6.90	79 / 89	Q4
1Y	-12.67%	+1.67%	-14.34	81 / 87	Q4
2Y	-9.83%	-0.94%	-8.89	79 / 86	Q4
3Y	-1.24%	+5.34%	-6.58	74 / 81	Q4
4Y	-0.07%	+8.00%	-8.07	74 / 78	Q4
5Y	-1.37%	+6.78%	-8.16	73 / 77	Q4
7Y	+0.40%	+9.69%	-9.29	74 / 75	Q4
10Y	-1.16%	+7.87%	-9.03	67 / 69	Q4
Inception	-1.61%	+5.90%	-7.51	85 / 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	-10.77%	-4.60%	-6.17	44 / 47
2025	-3.18%	+1.54%	-4.72	40 / 47
2024	+4.16%	+18.17%	-14.01	47 / 47
2023	+7.76%	+23.46%	-15.70	47 / 49
2022	-9.35%	+0.75%	-10.10	50 / 52
2021	+17.95%	+28.91%	-10.95	49 / 54
2020	-1.44%	+11.40%	-12.84	51 / 56
2019	-5.49%	+2.03%	-7.52	54 / 59
2018	-10.80%	-9.68%	-1.12	37 / 61
2017	+2.94%	+29.95%	-27.01	65 / 65
2016	-3.75%	-0.31%	-3.44	49 / 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

+1.87%

236 windows

min -62.9% · max 124.7%

42% positive

3-Year rolling

+1.32%

211 windows

min -26.8% · max 24.7%

55% positive

5-Year rolling

+1.20%

187 windows

min -10.8% · max 15.7%

58% positive

7-Year rolling

+1.02%

163 windows

min -8.5% · max 14.5%

62% 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

12.52%

3-year · annualised

Sharpe ratio

-0.55

vs risk-free 6.5%

Sortino ratio

-0.70

Downside-only deviation

Max drawdown

-28.30%

Sep 2024 → Mar 2026

% positive months

55.6%

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 ELSS Tax saver - Growth Plan	HDFC	₹1,355.4920	24 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.2789	24 Jul 2026
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹87.5266	24 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Growth	ICICI Prudential	₹920.2700	24 Jul 2026
Quantum ELSS Tax Saver Fund - Direct Plan Growth Option	Quantum	₹124.5200	24 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.0961	24 Jul 2026
Franklin India ELSS Tax Saver Fund - IDCW	Franklin Templeton	₹59.4311	24 Jul 2026
Kotak ELSS Tax Saver Fund-Growth	Kotak Mahindra	₹115.0200	24 Jul 2026
Edelweiss ELSS Tax Saver Fund - Regular Plan - Growth Option	Edelweiss	₹113.4400	24 Jul 2026
DSP ELSS Tax Saver Fund - Regular Plan - Growth	DSP BlackRock	₹136.6760	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹20.9600
23 Jul 2026	₹21.0100
22 Jul 2026	₹21.0800
21 Jul 2026	₹21.2400
20 Jul 2026	₹21.2000
17 Jul 2026	₹21.2900
16 Jul 2026	₹21.1600
15 Jul 2026	₹21.2000
14 Jul 2026	₹21.1200
13 Jul 2026	₹21.2700

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 24 Jul 2026, the NAV of ICICI Prudential ELSS Tax Saver Fund - IDCW is ₹20.9600. It's a ELSS from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential ELSS Tax Saver Fund - IDCW has NAV history starting from 02 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.

ICICI Prudential ELSS Tax Saver Fund - IDCW is managed by ICICI Prudential. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential ELSS Tax Saver Fund - IDCW has delivered a absolute return of -12.67% — -14.34 pp behind the ELSS category average of 1.67%. The fund ranks #81 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential ELSS Tax Saver Fund - IDCW has delivered a CAGR of -1.24% — -6.58 pp behind the ELSS category average of 5.34%. The fund ranks #74 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential ELSS Tax Saver Fund - IDCW has delivered a CAGR of -1.37% — -8.16 pp behind the ELSS category average of 6.78%. The fund ranks #73 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential ELSS Tax Saver Fund - IDCW exactly 10 years ago would be worth approximately ₹89,002 today — a multiplier of 0.89×, based on the 10-year CAGR of -1.16%. The category average over the same window would have grown ₹1 lakh to ₹213,276.

A ₹10,000 monthly SIP in ICICI Prudential ELSS Tax Saver Fund - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹555,414 today. That's an XIRR (money-weighted annualised return) of -3.03%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential ELSS Tax Saver Fund - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,160,976 (multiplier 0.97×). XIRR: -0.66%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential ELSS Tax Saver Fund - IDCW ranks #73 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 6.78%; this fund delivered -1.37%.

The worst peak-to-trough decline ICICI Prudential ELSS Tax Saver Fund - IDCW has experienced over the last 5-year window is 28.30% — its NAV fell from a high on 26 Sep 2024 to a low on 30 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, ICICI Prudential ELSS Tax Saver Fund - IDCW averaged 1.20% (best 15.74%, worst -10.78%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -0.52 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential ELSS Tax Saver Fund - IDCW returned -3.18% — lagging the ELSS category average of 1.54% by 4.72 pp. It ranked #40 of 47 in its category that year.

ICICI Prudential ELSS Tax Saver Fund - IDCW 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. ICICI Prudential ELSS Tax Saver Fund - IDCW 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: 28.3%. 5-year CAGR: -1.37%.

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