Should I invest in IDFC Tax Advantage (ELSS) Fund?

We don't give personal investment advice. IDFC Tax Advantage (ELSS) Fund - Growth 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: 18.8%. 5-year CAGR: 12.30%.

IDFC

IDFC Tax Advantage (ELSS) Fund - Growth

Latest NAV

₹149.3200

As of

3 Jun 2026

4,296 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	+0.66%	-2.11%	+2.77	8 / 90	Q1
1W	-0.89%	-4.12%	+3.22	36 / 87	Q2
2W	+0.46%	-3.75%	+4.21	20 / 87	Q1
1M	-0.69%	-5.60%	+4.91	24 / 87	Q2
3M	-1.73%	-5.40%	+3.67	37 / 87	Q2
6M	-5.30%	-3.98%	-1.32	47 / 89	Q3
YTD	-5.87%	-5.20%	-0.67	46 / 89	Q3
1Y	+0.37%	+1.41%	-1.04	38 / 87	Q2
2Y	+1.87%	-0.15%	+2.02	37 / 86	Q2
3Y	+11.57%	+6.12%	+5.44	42 / 81	Q3
4Y	+12.94%	+7.91%	+5.03	32 / 78	Q2
5Y	+12.30%	+6.94%	+5.35	22 / 77	Q2
7Y	+14.55%	+8.75%	+5.80	12 / 75	Q1
10Y	+14.63%	+8.10%	+6.52	10 / 69	Q1
Inception	+16.79%	+5.86%	+10.93	7 / 91	Q1

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	-5.87%	-7.12%	+1.25	16 / 47
2025	+7.53%	+1.54%	+6.00	5 / 47
2024	+13.11%	+18.17%	-5.06	34 / 47
2023	+27.47%	+23.46%	+4.01	17 / 49
2022	+4.20%	+0.75%	+3.45	19 / 52
2021	+47.59%	+28.91%	+18.68	3 / 54
2020	+18.70%	+11.40%	+7.30	11 / 56
2019	+1.96%	+2.03%	-0.07	35 / 59
2018	-9.20%	-9.68%	+0.48	32 / 61
2017	+52.23%	+29.95%	+22.28	2 / 65
2016	-0.30%	-0.31%	+0.01	37 / 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

+18.47%

201 windows

min -37.1% · max 106.1%

79% positive

3-Year rolling

+16.14%

176 windows

min -8.7% · max 37.6%

97% positive

5-Year rolling

+16.57%

152 windows

min -2.8% · max 28.2%

99% positive

7-Year rolling

+15.42%

128 windows

min 8.0% · max 21.2%

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

12.47%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

0.63

Downside-only deviation

Max drawdown

-18.09%

Sep 2024 → Mar 2025

% positive months

72.2%

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	₹149.3200
2 Jun 2026	₹149.7460
1 Jun 2026	₹148.7670
31 May 2026	₹149.4630
29 May 2026	₹149.4750
27 May 2026	₹151.2560
26 May 2026	₹151.0940
25 May 2026	₹151.3020
22 May 2026	₹149.5600
21 May 2026	₹148.9260

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 IDFC Tax Advantage (ELSS) Fund - Growth is ₹149.3200. It's a ELSS from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC Tax Advantage (ELSS) Fund - Growth has NAV history starting from 29 Dec 2008, a track record of about 17 years 5 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.

IDFC Tax Advantage (ELSS) Fund - Growth is managed by IDFC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC Tax Advantage (ELSS) Fund - Growth has delivered a absolute return of 0.37% — -1.04 pp behind the ELSS category average of 1.41%. The fund ranks #38 of 87 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC Tax Advantage (ELSS) Fund - Growth has delivered a CAGR of 11.57% — +5.44 pp ahead of the ELSS category average of 6.12%. The fund ranks #42 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, IDFC Tax Advantage (ELSS) Fund - Growth has delivered a CAGR of 12.30% — +5.35 pp ahead of the ELSS category average of 6.94%. The fund ranks #22 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in IDFC Tax Advantage (ELSS) Fund - Growth exactly 10 years ago would be worth approximately ₹391,617 today — a multiplier of 3.92×, based on the 10-year CAGR of 14.63%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in IDFC Tax Advantage (ELSS) Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹759,997 today. That's an XIRR (money-weighted annualised return) of 9.38%.

A ₹10,000 monthly SIP for 10 years in IDFC Tax Advantage (ELSS) Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹2,499,903 (multiplier 2.08×). XIRR: 14.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC Tax Advantage (ELSS) Fund - Growth ranks #22 out of 77 funds in the ELSS category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.94%; this fund delivered 12.30%.

The worst peak-to-trough decline IDFC Tax Advantage (ELSS) Fund - Growth has experienced over the last 5-year window is 18.78% — its NAV fell from a high on 17 Jan 2022 to a low on 20 Jun 2022. 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, IDFC Tax Advantage (ELSS) Fund - Growth averaged 16.57% (best 28.21%, worst -2.82%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2025, IDFC Tax Advantage (ELSS) Fund - Growth returned 7.53% — beating the ELSS category average of 1.54% by 6.00 pp. It ranked #5 of 47 in its category that year.

IDFC Tax Advantage (ELSS) Fund - Growth 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. IDFC Tax Advantage (ELSS) Fund - Growth 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: 18.8%. 5-year CAGR: 12.30%.

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