Should I invest in Kotak ELSS Tax Saver Fund?

We don't give personal investment advice. Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal 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: 20.0%. 5-year CAGR: 11.65%.

Kotak Mahindra

Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option

Latest NAV

₹43.0460

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	82 / 90	Q4
1W	-1.86%	-4.09%	+2.23	65 / 87	Q3
2W	-1.35%	-4.51%	+3.16	40 / 87	Q2
1M	-0.13%	-5.21%	+5.09	24 / 87	Q2
3M	+2.53%	-3.51%	+6.04	25 / 87	Q2
6M	+2.22%	-0.11%	+2.33	39 / 89	Q2
YTD	-2.35%	-3.87%	+1.52	30 / 89	Q2
1Y	-1.54%	+1.67%	-3.21	45 / 87	Q3
2Y	-0.75%	-0.94%	+0.19	47 / 86	Q3
3Y	+10.78%	+5.34%	+5.44	40 / 81	Q2
4Y	+13.31%	+8.00%	+5.31	28 / 78	Q2
5Y	+11.65%	+6.78%	+4.87	27 / 77	Q2
7Y	+13.13%	+9.69%	+3.44	26 / 75	Q2
10Y	+9.18%	+7.87%	+1.31	39 / 69	Q3
Inception	+5.97%	+5.90%	+0.06	62 / 91	Q3

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%	+2.26	10 / 47
2025	+1.33%	+1.54%	-0.20	26 / 47
2024	+21.69%	+18.17%	+3.51	16 / 47
2023	+23.03%	+23.46%	-0.42	31 / 49
2022	+6.92%	+0.75%	+6.17	9 / 52
2021	+32.63%	+28.91%	+3.72	18 / 54
2020	+6.54%	+11.40%	-4.86	43 / 56
2019	+3.97%	+2.03%	+1.94	28 / 59
2018	-11.00%	-9.68%	-1.32	38 / 61
2017	+15.35%	+29.95%	-14.60	58 / 65
2016	-1.87%	-0.31%	-1.56	41 / 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

+9.91%

236 windows

min -68.2% · max 97.1%

67% positive

3-Year rolling

+8.59%

211 windows

min -22.3% · max 29.1%

77% positive

5-Year rolling

+8.40%

187 windows

min -8.4% · max 24.8%

84% positive

7-Year rolling

+7.96%

163 windows

min -3.9% · max 19.0%

94% 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

-19.96%

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-Growth	Kotak Mahindra	₹115.0200	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	₹43.0460
23 Jul 2026	₹43.2300
22 Jul 2026	₹43.6010
21 Jul 2026	₹43.9010
20 Jul 2026	₹43.8730
17 Jul 2026	₹43.8620
16 Jul 2026	₹43.6750
15 Jul 2026	₹43.6140
14 Jul 2026	₹43.3150
13 Jul 2026	₹43.6110

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-Payout of Income Distribution cum capital withdrawal option is ₹43.0460. 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-Payout of Income Distribution cum capital withdrawal option 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-Payout of Income Distribution cum capital withdrawal option 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-Payout of Income Distribution cum capital withdrawal option has delivered a absolute return of -1.54% — -3.21 pp behind the ELSS category average of 1.67%. The fund ranks #45 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option has delivered a CAGR of 10.78% — +5.44 pp ahead of the ELSS category average of 5.34%. The fund ranks #40 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option has delivered a CAGR of 11.65% — +4.87 pp ahead of the ELSS category average of 6.78%. The fund ranks #27 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option exactly 10 years ago would be worth approximately ₹240,655 today — a multiplier of 2.41×, based on the 10-year CAGR of 9.18%. 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-Payout of Income Distribution cum capital withdrawal option over the last 5 years — total invested ₹600,000 — would be worth ₹773,095 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-Payout of Income Distribution cum capital withdrawal option = ₹1,200,000 invested. It would currently be worth ₹2,159,090 (multiplier 1.80×). XIRR: 11.30%. 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-Payout of Income Distribution cum capital withdrawal option ranks #27 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-Payout of Income Distribution cum capital withdrawal option has experienced over the last 5-year window is 19.96% — 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-Payout of Income Distribution cum capital withdrawal option averaged 8.40% (best 24.84%, worst -8.38%). 84% 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-Payout of Income Distribution cum capital withdrawal option returned 1.33% — lagging the ELSS category average of 1.54% by 0.20 pp. It ranked #26 of 47 in its category that year.

Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal 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. Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal 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: 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.