Should I invest in Invesco India ELSS Tax Saver Fund?

We don't give personal investment advice. Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout 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: 28.9%. 5-year CAGR: 3.99%.

Invesco

Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout

Latest NAV

₹32.2400

As of

17 Jul 2026

3,331 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	+0.34%	+0.18%	+0.16	23 / 76	Q2
1W	-0.31%	+0.02%	-0.33	61 / 76	Q4
2W	+0.31%	+0.25%	+0.06	31 / 76	Q2
1M	+3.17%	+1.60%	+1.56	7 / 76	Q1
3M	+6.05%	+3.34%	+2.71	15 / 76	Q1
6M	+2.06%	+1.60%	+0.46	23 / 76	Q2
YTD	-0.28%	+0.65%	-0.92	42 / 76	Q3
1Y	-2.45%	+3.29%	-5.74	54 / 76	Q3
2Y	-3.13%	+2.13%	-5.26	63 / 75	Q4
3Y	+4.10%	+10.81%	-6.72	71 / 75	Q4
4Y	+8.49%	+12.20%	-3.71	60 / 69	Q4
5Y	+3.99%	+10.65%	-6.66	62 / 65	Q4
7Y	+7.10%	+13.29%	-6.19	60 / 63	Q4
10Y	+5.13%	+10.17%	-5.04	42 / 46	Q4
Inception	+6.78%	+11.17%	-4.40	68 / 76	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	-0.28%	-1.35%	+1.07	37 / 70
2025	-10.27%	+2.19%	-12.45	69 / 70
2024	+16.14%	+16.51%	-0.37	28 / 70
2023	+20.90%	+24.04%	-3.14	39 / 68
2022	-14.39%	+1.46%	-15.85	64 / 65
2021	+22.05%	+33.28%	-11.22	61 / 68
2020	+20.50%	+13.91%	+6.60	10 / 68
2019	-8.40%	+5.99%	-14.40	62 / 66
2018	-8.12%	-7.59%	-0.54	33 / 56
2017	+36.41%	+29.87%	+6.54	13 / 50
2016	-6.09%	+1.05%	-7.15	43 / 46

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

+8.97%

153 windows

min -23.9% · max 56.9%

63% positive

3-Year rolling

+6.74%

129 windows

min -7.8% · max 19.6%

90% positive

5-Year rolling

+6.23%

105 windows

min -5.3% · max 15.2%

93% positive

7-Year rolling

+5.68%

80 windows

min 1.8% · max 10.3%

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

15.76%

3-year · annualised

Sharpe ratio

-0.08

vs risk-free 6.5%

Sortino ratio

-0.12

Downside-only deviation

Max drawdown

-26.81%

Dec 2024 → Mar 2026

% positive months

52.8%

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 - IDCW Option - Direct Plan	HDFC	₹93.5760	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹22.6321	17 Jul 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹118.6726	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹44.8300	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹41.5040	17 Jul 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹61.4528	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹439.8600	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹39.4071	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹70.8461	17 Jul 2026
Mirae Asset ELSS Tax Saver Fund - Direct Plan - IDCW	Mirae Asset	₹27.0040	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹32.2400
16 Jul 2026	₹32.1300
15 Jul 2026	₹32.2400
14 Jul 2026	₹32.0900
13 Jul 2026	₹32.3000
10 Jul 2026	₹32.3400
9 Jul 2026	₹31.9800
8 Jul 2026	₹31.6400
7 Jul 2026	₹32.3200
6 Jul 2026	₹32.3200

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 17 Jul 2026, the NAV of Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout is ₹32.2400. It's a ELSS from Invesco, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

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

Over the trailing 1-year window, Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout has delivered a absolute return of -2.45% — -5.74 pp behind the ELSS category average of 3.29%. The fund ranks #54 of 76 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout has delivered a CAGR of 4.10% — -6.72 pp behind the ELSS category average of 10.81%. The fund ranks #71 of 75 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout has delivered a CAGR of 3.99% — -6.66 pp behind the ELSS category average of 10.65%. The fund ranks #62 of 65 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout exactly 10 years ago would be worth approximately ₹164,994 today — a multiplier of 1.65×, based on the 10-year CAGR of 5.13%. The category average over the same window would have grown ₹1 lakh to ₹263,459.

A ₹10,000 monthly SIP in Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout over the last 5 years — total invested ₹600,000 — would be worth ₹666,329 today. That's an XIRR (money-weighted annualised return) of 4.14%.

A ₹10,000 monthly SIP for 10 years in Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout = ₹1,200,000 invested. It would currently be worth ₹1,601,974 (multiplier 1.33×). XIRR: 5.63%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout ranks #62 out of 65 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.65%; this fund delivered 3.99%.

The worst peak-to-trough decline Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout has experienced over the last 5-year window is 28.88% — its NAV fell from a high on 14 Jan 2022 to a low on 17 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, Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout averaged 6.23% (best 15.24%, worst -5.35%). 93% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2025, Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout returned -10.27% — lagging the ELSS category average of 2.19% by 12.45 pp. It ranked #69 of 70 in its category that year.

Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout 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. Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout 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: 28.9%. 5-year CAGR: 3.99%.

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