Should I invest in Kotak ELSS Tax Saver Fund?

We don't give personal investment advice. Kotak ELSS Tax Saver Fund-Growth - Direct 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: 19.6%. 5-year CAGR: 13.08%.

Kotak

Kotak ELSS Tax Saver Fund-Growth - Direct

Latest NAV

₹130.0410

As of

3 Jun 2026

3,300 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	+0.30%	+0.24%	+0.06	26 / 59	Q2
1W	-1.52%	-1.27%	-0.25	25 / 59	Q2
2W	+0.07%	+0.30%	-0.23	30 / 59	Q3
1M	-2.23%	-0.87%	-1.37	47 / 59	Q4
3M	-3.38%	+0.83%	-4.22	44 / 59	Q3
6M	-5.90%	-2.14%	-3.76	37 / 59	Q3
YTD	-6.06%	-1.56%	-4.50	35 / 59	Q3
1Y	-1.98%	+5.96%	-7.95	39 / 59	Q3
2Y	-0.57%	+5.58%	-6.15	54 / 58	Q4
3Y	+12.90%	+14.58%	-1.68	39 / 58	Q3
4Y	+14.38%	+14.85%	-0.47	27 / 51	Q3
5Y	+13.08%	+14.46%	-1.38	30 / 47	Q3
7Y	+14.69%	+15.51%	-0.82	24 / 45	Q3
10Y	+15.19%	+14.50%	+0.69	9 / 27	Q2
Inception	+14.80%	+14.13%	+0.67	25 / 59	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	-6.06%	-4.44%	-1.61	29 / 53
2025	+2.48%	+3.70%	-1.22	33 / 53
2024	+23.15%	+20.13%	+3.02	16 / 53
2023	+24.60%	+30.82%	-6.22	41 / 51
2022	+8.37%	+3.78%	+4.59	6 / 47
2021	+34.42%	+39.32%	-4.90	28 / 50
2020	+16.18%	+18.42%	-2.24	30 / 50
2019	+13.82%	+6.48%	+7.33	10 / 47
2018	-2.21%	-7.38%	+5.17	9 / 37
2017	+34.38%	+38.27%	-3.89	22 / 31
2016	+8.39%	+5.54%	+2.85	8 / 27

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

+18.92%

152 windows

min -24.5% · max 79.3%

86% positive

3-Year rolling

+16.99%

127 windows

min -3.7% · max 31.6%

98% positive

5-Year rolling

+16.65%

103 windows

min 1.7% · max 25.8%

100% positive

7-Year rolling

+16.09%

79 windows

min 10.1% · max 19.2%

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

13.94%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.71

Downside-only deviation

Max drawdown

-19.57%

Sep 2024 → Feb 2025

% positive months

75.0%

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 Option - Direct Plan	HDFC	₹1,421.3430	3 Jun 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹140.6038	3 Jun 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹458.2222	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹990.7700	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹138.0800	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹173.1540	3 Jun 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹443.2149	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹66.4800	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹62.1822	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,537.4743	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹130.0410
2 Jun 2026	₹130.2820
1 Jun 2026	₹129.8920
29 May 2026	₹131.0380
27 May 2026	₹132.7020
26 May 2026	₹132.2930
25 May 2026	₹132.6370
22 May 2026	₹130.7560
21 May 2026	₹130.3830
20 May 2026	₹130.4590

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 Kotak ELSS Tax Saver Fund-Growth - Direct is ₹130.0410. It's a ELSS from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak ELSS Tax Saver Fund-Growth - Direct has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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.

Kotak ELSS Tax Saver Fund-Growth - Direct is managed by Kotak. 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 - Direct has delivered a absolute return of -1.98% — -7.95 pp behind the ELSS category average of 5.96%. The fund ranks #39 of 59 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak ELSS Tax Saver Fund-Growth - Direct has delivered a CAGR of 12.90% — -1.68 pp behind the ELSS category average of 14.58%. The fund ranks #39 of 58 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak ELSS Tax Saver Fund-Growth - Direct has delivered a CAGR of 13.08% — -1.38 pp behind the ELSS category average of 14.46%. The fund ranks #30 of 47 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak ELSS Tax Saver Fund-Growth - Direct exactly 10 years ago would be worth approximately ₹411,297 today — a multiplier of 4.11×, based on the 10-year CAGR of 15.19%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

A ₹10,000 monthly SIP in Kotak ELSS Tax Saver Fund-Growth - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹774,171 today. That's an XIRR (money-weighted annualised return) of 10.12%.

A ₹10,000 monthly SIP for 10 years in Kotak ELSS Tax Saver Fund-Growth - Direct = ₹1,200,000 invested. It would currently be worth ₹2,539,761 (multiplier 2.12×). XIRR: 14.34%. 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 - Direct ranks #30 out of 47 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 14.46%; this fund delivered 13.08%.

The worst peak-to-trough decline Kotak ELSS Tax Saver Fund-Growth - Direct has experienced over the last 5-year window is 19.57% — 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 - Direct averaged 16.65% (best 25.85%, worst 1.73%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — weak risk-adjusted performance.

In calendar year 2025, Kotak ELSS Tax Saver Fund-Growth - Direct returned 2.48% — lagging the ELSS category average of 3.70% by 1.22 pp. It ranked #33 of 53 in its category that year.

Kotak ELSS Tax Saver Fund-Growth - Direct 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 - Direct 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: 19.6%. 5-year CAGR: 13.08%.

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