Should I invest in Kotak ELSS Tax Saver Fund?

We don't give personal investment advice. Kotak ELSS Tax Saver 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: 20.0%. 5-year CAGR: 11.65%.

Kotak Mahindra

Kotak ELSS Tax Saver Fund-Growth

Latest NAV

₹115.0200

As of

24 Jul 2026

4,999 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	-0.43%	-2.26%	+1.83	83 / 90	Q4
1W	-1.86%	-4.09%	+2.23	66 / 87	Q4
2W	-1.35%	-4.51%	+3.16	39 / 87	Q2
1M	-0.13%	-5.21%	+5.09	23 / 87	Q2
3M	+2.53%	-3.51%	+6.04	26 / 87	Q2
6M	+2.22%	-0.11%	+2.33	40 / 89	Q2
YTD	-2.35%	-3.87%	+1.52	31 / 89	Q2
1Y	-1.54%	+1.67%	-3.21	46 / 87	Q3
2Y	-0.75%	-0.94%	+0.19	48 / 86	Q3
3Y	+10.78%	+5.34%	+5.44	41 / 81	Q3
4Y	+13.31%	+8.00%	+5.31	29 / 78	Q2
5Y	+11.65%	+6.78%	+4.87	28 / 77	Q2
7Y	+14.97%	+9.69%	+5.28	17 / 75	Q1
10Y	+13.35%	+7.87%	+5.48	14 / 69	Q1
Inception	+11.22%	+5.90%	+5.31	29 / 91	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	-2.35%	-4.60%	+2.25	11 / 47
2025	+1.33%	+1.54%	-0.20	27 / 47
2024	+21.69%	+18.17%	+3.51	15 / 47
2023	+23.03%	+23.46%	-0.42	30 / 49
2022	+6.92%	+0.75%	+6.17	8 / 52
2021	+32.62%	+28.91%	+3.72	19 / 54
2020	+14.71%	+11.40%	+3.31	22 / 56
2019	+12.50%	+2.03%	+10.47	5 / 59
2018	-3.30%	-9.68%	+6.38	11 / 61
2017	+32.51%	+29.95%	+2.55	32 / 65
2016	+6.77%	-0.31%	+7.08	8 / 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

+15.03%

236 windows

min -58.6% · max 97.1%

75% positive

3-Year rolling

+12.99%

211 windows

min -8.5% · max 29.1%

94% positive

5-Year rolling

+12.86%

187 windows

min -3.5% · max 26.1%

98% positive

7-Year rolling

+12.71%

163 windows

min 3.1% · max 19.6%

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

12.58%

3-year · annualised

Sharpe ratio

0.37

vs risk-free 6.5%

Sortino ratio

0.55

Downside-only deviation

Max drawdown

-19.95%

Sep 2024 → Feb 2025

% positive months

66.7%

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 - Growth Plan	HDFC	₹1,355.4920	24 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.2789	24 Jul 2026
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹87.5266	24 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Growth	ICICI Prudential	₹920.2700	24 Jul 2026
Quantum ELSS Tax Saver Fund - Direct Plan Growth Option	Quantum	₹124.5200	24 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.0961	24 Jul 2026
Franklin India ELSS Tax Saver Fund - IDCW	Franklin Templeton	₹59.4311	24 Jul 2026
Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option	Kotak Mahindra	₹43.0460	24 Jul 2026
Edelweiss ELSS Tax Saver Fund - Regular Plan - Growth Option	Edelweiss	₹113.4400	24 Jul 2026
DSP ELSS Tax Saver Fund - Regular Plan - Growth	DSP BlackRock	₹136.6760	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹115.0200
23 Jul 2026	₹115.5120
22 Jul 2026	₹116.5050
21 Jul 2026	₹117.3060
20 Jul 2026	₹117.2310
17 Jul 2026	₹117.2020
16 Jul 2026	₹116.7020
15 Jul 2026	₹116.5380
14 Jul 2026	₹115.7390
13 Jul 2026	₹116.5300

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 24 Jul 2026, the NAV of Kotak ELSS Tax Saver Fund-Growth is ₹115.0200. It's a ELSS from Kotak Mahindra, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak ELSS Tax Saver Fund-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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.

Kotak ELSS Tax Saver Fund-Growth is managed by Kotak Mahindra. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak ELSS Tax Saver Fund-Growth has delivered a absolute return of -1.54% — -3.21 pp behind the ELSS category average of 1.67%. The fund ranks #46 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak ELSS Tax Saver Fund-Growth has delivered a CAGR of 10.78% — +5.44 pp ahead of the ELSS category average of 5.34%. The fund ranks #41 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak ELSS Tax Saver Fund-Growth has delivered a CAGR of 11.65% — +4.87 pp ahead of the ELSS category average of 6.78%. The fund ranks #28 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak ELSS Tax Saver Fund-Growth exactly 10 years ago would be worth approximately ₹349,967 today — a multiplier of 3.50×, based on the 10-year CAGR of 13.35%. The category average over the same window would have grown ₹1 lakh to ₹213,276.

A ₹10,000 monthly SIP in Kotak ELSS Tax Saver Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹773,090 today. That's an XIRR (money-weighted annualised return) of 10.07%.

A ₹10,000 monthly SIP for 10 years in Kotak ELSS Tax Saver Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹2,427,912 (multiplier 2.02×). XIRR: 13.50%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak ELSS Tax Saver Fund-Growth ranks #28 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 6.78%; this fund delivered 11.65%.

The worst peak-to-trough decline Kotak ELSS Tax Saver Fund-Growth has experienced over the last 5-year window is 19.95% — its NAV fell from a high on 27 Sep 2024 to a low on 28 Feb 2025. 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, Kotak ELSS Tax Saver Fund-Growth averaged 12.86% (best 26.10%, worst -3.45%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.42 — weak risk-adjusted performance.

In calendar year 2025, Kotak ELSS Tax Saver Fund-Growth returned 1.33% — lagging the ELSS category average of 1.54% by 0.20 pp. It ranked #27 of 47 in its category that year.

Kotak ELSS Tax Saver 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. Kotak ELSS Tax Saver 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: 20.0%. 5-year CAGR: 11.65%.

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