Should I invest in ITI ELSS Tax Saver Fund?

We don't give personal investment advice. ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option 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: 23.2%. 5-year CAGR: 11.02%.

ITI

ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option

Latest NAV

₹23.6521

As of

3 Jun 2026

1,627 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	+0.06%	+0.12%	-0.06	42 / 76	Q3
1W	-1.15%	-1.31%	+0.16	15 / 76	Q1
2W	+1.03%	+0.08%	+0.95	13 / 76	Q1
1M	-3.07%	-0.99%	-2.09	73 / 76	Q4
3M	+3.20%	-0.23%	+3.44	16 / 76	Q1
6M	-7.75%	-4.25%	-3.49	57 / 76	Q3
YTD	-7.94%	-3.63%	-4.31	56 / 76	Q3
1Y	-5.19%	+1.70%	-6.89	44 / 76	Q3
2Y	-0.32%	+3.10%	-3.41	55 / 75	Q3
3Y	+15.41%	+10.95%	+4.46	12 / 75	Q1
4Y	+16.15%	+11.02%	+5.13	13 / 69	Q1
5Y	+11.02%	+10.65%	+0.37	26 / 65	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.83%	+10.74%	+3.09	15 / 76	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	-7.94%	-5.99%	-1.95	50 / 70
2025	+4.01%	+2.19%	+1.83	17 / 70
2024	+20.27%	+16.51%	+3.76	16 / 70
2023	+37.90%	+24.04%	+13.86	8 / 68
2022	+4.60%	+1.46%	+3.14	16 / 65
2021	+20.35%	+33.28%	-12.93	64 / 68
2020	+9.16%	+13.91%	-4.75	41 / 68
2019	—	—	—	—

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

+19.61%

69 windows

min -13.2% · max 74.9%

80% positive

3-Year rolling

+18.62%

45 windows

min 10.4% · max 25.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+17.77%

20 windows

min 11.0% · max 23.1%

100% positive

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

7-Year rolling

—

Insufficient history

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

18.38%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.86

Downside-only deviation

Max drawdown

-23.19%

Sep 2024 → Mar 2026

% positive months

63.9%

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	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹23.6521
2 Jun 2026	₹23.6763
1 Jun 2026	₹23.6628
29 May 2026	₹23.8480
27 May 2026	₹24.0861
26 May 2026	₹23.9523
25 May 2026	₹24.0203
22 May 2026	₹23.6078
21 May 2026	₹23.5761
20 May 2026	₹23.4929

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 ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option is ₹23.6521. It's a ELSS from ITI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option has NAV history starting from 25 Oct 2019, a track record of about 6 years 7 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.

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

Over the trailing 1-year window, ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option has delivered a absolute return of -5.19% — -6.89 pp behind the ELSS category average of 1.70%. The fund ranks #44 of 76 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option has delivered a CAGR of 15.41% — +4.46 pp ahead of the ELSS category average of 10.95%. The fund ranks #12 of 75 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option has delivered a CAGR of 11.02% — +0.37 pp ahead of the ELSS category average of 10.65%. The fund ranks #26 of 65 in its category — the second (Q2) quartile.

₹1 lakh invested in ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹168,654 today — a multiplier of 1.69×, based on the 5-year CAGR of 11.02%. The category average over the same window would have grown ₹1 lakh to ₹165,837.

A ₹10,000 monthly SIP in ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹790,162 today. That's an XIRR (money-weighted annualised return) of 10.95%.

ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹790,162 — XIRR 10.95%.

On a 5-year basis, ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option ranks #26 out of 65 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 10.65%; this fund delivered 11.02%.

The worst peak-to-trough decline ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option has experienced over the last 5-year window is 23.19% — its NAV fell from a high on 23 Sep 2024 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, ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option averaged 17.77% (best 23.15%, worst 11.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option returned 4.01% — beating the ELSS category average of 2.19% by 1.83 pp. It ranked #17 of 70 in its category that year.

ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option 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. ITI ELSS Tax Saver Fund - Direct Plan - IDCW Option 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: 23.2%. 5-year CAGR: 11.02%.

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