Should I invest in ITI ELSS Tax Saver Fund?

We don't give personal investment advice. ITI ELSS Tax Saver Fund - Regular 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: 25.7%. 5-year CAGR: 8.72%.

ITI

ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option

Latest NAV

₹20.5300

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	+0.05%	+0.08%	-0.03	27 / 54	Q2
1W	-1.18%	-1.32%	+0.13	10 / 54	Q1
2W	+0.96%	-0.04%	+1.00	10 / 54	Q1
1M	-3.20%	-1.07%	-2.12	51 / 54	Q4
3M	+2.77%	+0.01%	+2.75	13 / 54	Q1
6M	-9.08%	-3.68%	-5.40	46 / 54	Q4
YTD	-9.13%	-2.63%	-6.51	44 / 54	Q4
1Y	-7.45%	+2.41%	-9.86	49 / 54	Q4
2Y	-2.38%	+3.07%	-5.45	42 / 53	Q4
3Y	+12.99%	+9.94%	+3.05	18 / 53	Q2
4Y	+13.76%	+10.02%	+3.74	13 / 47	Q2
5Y	+8.72%	+10.19%	-1.47	20 / 43	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.42%	+9.79%	+1.63	16 / 54	Q2

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	-9.13%	-5.69%	-3.44	39 / 49
2025	+2.12%	+1.23%	+0.89	29 / 49
2024	+17.69%	+14.62%	+3.07	12 / 49
2023	+35.38%	+22.73%	+12.65	8 / 47
2022	+2.50%	+0.57%	+1.94	13 / 43
2021	+17.75%	+33.70%	-15.96	42 / 46
2020	+6.67%	+14.03%	-7.37	46 / 46
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

+17.12%

69 windows

min -15.0% · max 70.9%

77% positive

3-Year rolling

+16.20%

45 windows

min 8.1% · max 23.1%

100% positive

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

5-Year rolling

+15.35%

20 windows

min 8.7% · max 20.6%

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

18.43%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-25.71%

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
SBI Long Term Advantage Fund - Series IV - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹38.4097	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan IDCW	Quantum	₹114.6800	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - IDCW	Mirae Asset	₹21.5970	3 Jun 2026
HSBC ELSS Tax saver Fund - Regular IDCW Payout	HSBC	₹25.8533	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund- Regular - IDCW Option	Baroda BNP Paribas	₹20.8212	3 Jun 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option	PGIM India	₹15.4900	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - IDCW	Axis	₹22.2921	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - IDCW Payout	360 ONE	₹13.1353	3 Jun 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - IDCW	Bajaj Finserv	₹11.0910	3 Jun 2026
BANK OF INDIA Mid Cap Tax Fund Series 1 Regular Plan IDCW	Bank of India	₹28.1500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.5300
2 Jun 2026	₹20.5520
1 Jun 2026	₹20.5412
29 May 2026	₹20.7048
27 May 2026	₹20.9135
26 May 2026	₹20.7982
25 May 2026	₹20.8582
22 May 2026	₹20.5028
21 May 2026	₹20.4762
20 May 2026	₹20.4049

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 - Regular Plan - IDCW Option is ₹20.5300. It's a ELSS from ITI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI ELSS Tax Saver Fund - Regular 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 - Regular 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 - Regular Plan - IDCW Option has delivered a absolute return of -7.45% — -9.86 pp behind the ELSS category average of 2.41%. The fund ranks #49 of 54 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option has delivered a CAGR of 12.99% — +3.05 pp ahead of the ELSS category average of 9.94%. The fund ranks #18 of 53 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option has delivered a CAGR of 8.72% — -1.47 pp behind the ELSS category average of 10.19%. The fund ranks #20 of 43 in its category — the second (Q2) quartile.

₹1 lakh invested in ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option exactly 5 years ago would be worth approximately ₹151,891 today — a multiplier of 1.52×, based on the 5-year CAGR of 8.72%. The category average over the same window would have grown ₹1 lakh to ₹162,436.

A ₹10,000 monthly SIP in ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹743,850 today. That's an XIRR (money-weighted annualised return) of 8.52%.

ITI ELSS Tax Saver Fund - Regular 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 ₹743,850 — XIRR 8.52%.

On a 5-year basis, ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option ranks #20 out of 43 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 10.19%; this fund delivered 8.72%.

The worst peak-to-trough decline ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option has experienced over the last 5-year window is 25.71% — 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 - Regular Plan - IDCW Option averaged 15.35% (best 20.62%, worst 8.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, ITI ELSS Tax Saver Fund - Regular Plan - IDCW Option returned 2.12% — beating the ELSS category average of 1.23% by 0.89 pp. It ranked #29 of 49 in its category that year.

ITI ELSS Tax Saver Fund - Regular 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 - Regular 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: 25.7%. 5-year CAGR: 8.72%.

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