Should I invest in IDFC Tax Saver (ELSS) Fund A DIVIDEND?

We don't give personal investment advice. IDFC Tax Saver (ELSS) Fund A DIVIDEND 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: 25.2%. 5-year CAGR: 10.82%.

IDFC

IDFC Tax Saver (ELSS) Fund A DIVIDEND

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	+0.00%	-2.14%	+2.14	59 / 90	Q3
1W	-0.64%	-3.73%	+3.09	42 / 87	Q2
2W	-0.48%	-5.18%	+4.70	19 / 87	Q1
1M	-0.82%	-6.76%	+5.94	19 / 87	Q1
3M	+8.91%	-4.52%	+13.43	7 / 87	Q1
6M	+0.44%	-4.00%	+4.44	28 / 89	Q2
YTD	+8.75%	-5.72%	+14.47	14 / 89	Q1
1Y	+8.22%	-0.18%	+8.40	24 / 87	Q2
2Y	-5.65%	-0.39%	-5.26	73 / 86	Q4
3Y	+9.03%	+5.78%	+3.25	50 / 81	Q3
4Y	+10.47%	+7.88%	+2.59	46 / 78	Q3
5Y	+10.82%	+6.78%	+4.03	39 / 77	Q3
7Y	+8.36%	+8.76%	-0.39	53 / 75	Q3
10Y	—	—	—	—	—
Inception	+7.89%	+5.82%	+2.07	47 / 91	Q3

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
2017 YTD	+8.75%	+29.95%	-21.20	63 / 65
2016	-5.85%	-0.31%	-5.54	56 / 70
2015	-4.26%	-1.16%	-3.10	19 / 24
2014	+32.58%	+42.05%	-9.47	22 / 27
2013	+12.08%	+2.38%	+9.70	2 / 27
2012	+27.09%	+28.66%	-1.58	14 / 27
2011	-20.54%	-28.62%	+8.08	3 / 25
2010	+20.42%	+14.25%	+6.17	9 / 30
2009	+71.60%	+64.74%	+6.86	12 / 25
2008	—	—	—	—

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

+15.87%

95 windows

min -21.3% · max 94.8%

76% positive

3-Year rolling

+12.79%

71 windows

min 0.6% · max 28.6%

100% positive

5-Year rolling

+12.54%

47 windows

min 6.6% · max 21.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+12.81%

22 windows

min 7.8% · max 18.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

14.53%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

0.34

Downside-only deviation

Max drawdown

-25.16%

Mar 2015 → Feb 2016

% positive months

61.1%

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	₹63.5310	9 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9599	9 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.1648	9 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.3200	9 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.6000	9 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.8529	9 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.6481	9 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.3790	9 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.3200	9 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2210	9 Jun 2026

Recent NAVs

Date	NAV
14 Mar 2017	₹23.5027
10 Mar 2017	₹23.5041
9 Mar 2017	₹23.5090
8 Mar 2017	₹23.5676
7 Mar 2017	₹23.6530
6 Mar 2017	₹23.6991
3 Mar 2017	₹23.5630
2 Mar 2017	₹23.5852
1 Mar 2017	₹23.7067
28 Feb 2017	₹23.6160

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.

IDFC Tax Saver (ELSS) Fund A DIVIDEND is a ELSS from IDFC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

IDFC Tax Saver (ELSS) Fund A DIVIDEND has NAV history starting from 02 Jun 2008, a track record of about 18 years. 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 Saver (ELSS) Fund A DIVIDEND 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 Saver (ELSS) Fund A DIVIDEND has delivered a absolute return of 8.22% — +8.4 pp ahead of the ELSS category average of -0.18%. The fund ranks #24 of 87 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC Tax Saver (ELSS) Fund A DIVIDEND has delivered a CAGR of 9.03% — +3.25 pp ahead of the ELSS category average of 5.78%. The fund ranks #50 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, IDFC Tax Saver (ELSS) Fund A DIVIDEND has delivered a CAGR of 10.82% — +4.03 pp ahead of the ELSS category average of 6.78%. The fund ranks #39 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC Tax Saver (ELSS) Fund A DIVIDEND exactly 5 years ago would be worth approximately ₹167,112 today — a multiplier of 1.67×, based on the 5-year CAGR of 10.82%. The category average over the same window would have grown ₹1 lakh to ₹138,851.

A ₹10,000 monthly SIP in IDFC Tax Saver (ELSS) Fund A DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹739,112 today. That's an XIRR (money-weighted annualised return) of 8.27%.

IDFC Tax Saver (ELSS) Fund A DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,139,119 — XIRR 8.56%.

On a 5-year basis, IDFC Tax Saver (ELSS) Fund A DIVIDEND ranks #39 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.78%; this fund delivered 10.82%.

The worst peak-to-trough decline IDFC Tax Saver (ELSS) Fund A DIVIDEND has experienced over the last 5-year window is 25.16% — its NAV fell from a high on 05 Mar 2015 to a low on 12 Feb 2016. 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 Saver (ELSS) Fund A DIVIDEND averaged 12.54% (best 21.72%, worst 6.64%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2016, IDFC Tax Saver (ELSS) Fund A DIVIDEND returned -5.85% — lagging the ELSS category average of -0.31% by 5.54 pp. It ranked #56 of 70 in its category that year.

IDFC Tax Saver (ELSS) Fund A DIVIDEND 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 Saver (ELSS) Fund A DIVIDEND 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: 25.2%. 5-year CAGR: 10.82%.

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

IDFC Tax Saver (ELSS) Fund A DIVIDEND

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in ELSS

Recent NAVs

Frequently asked questions

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