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 - 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-Payout of Income Distribution cum capital withdrawal option - Direct

Latest NAV

₹54.4730

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%	+0.12%	+0.18	24 / 76	Q2
1W	-1.52%	-1.31%	-0.21	41 / 76	Q3
2W	+0.07%	+0.08%	-0.01	28 / 76	Q2
1M	-2.23%	-0.99%	-1.25	63 / 76	Q4
3M	-3.38%	-0.23%	-3.15	58 / 76	Q4
6M	-5.91%	-4.25%	-1.65	46 / 76	Q3
YTD	-6.06%	-3.63%	-2.43	44 / 76	Q3
1Y	-1.98%	+1.70%	-3.68	30 / 76	Q2
2Y	-0.57%	+3.10%	-3.67	57 / 75	Q4
3Y	+12.90%	+10.95%	+1.95	25 / 75	Q2
4Y	+14.38%	+11.02%	+3.36	18 / 69	Q2
5Y	+13.08%	+10.65%	+2.44	17 / 65	Q2
7Y	+12.91%	+11.69%	+1.22	19 / 63	Q2
10Y	+11.46%	+10.10%	+1.36	9 / 46	Q1
Inception	+11.60%	+10.74%	+0.86	29 / 76	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%	-5.99%	-0.06	38 / 70
2025	+2.48%	+2.19%	+0.29	43 / 70
2024	+23.15%	+16.51%	+6.64	10 / 70
2023	+24.60%	+24.04%	+0.56	29 / 68
2022	+8.37%	+1.46%	+6.91	5 / 65
2021	+34.42%	+33.28%	+1.15	19 / 68
2020	+10.51%	+13.91%	-3.39	38 / 68
2019	+5.22%	+5.99%	-0.78	42 / 66
2018	-9.65%	-7.59%	-2.06	34 / 56
2017	+19.01%	+29.87%	-10.86	47 / 50
2016	+4.61%	+1.05%	+3.56	7 / 46

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

+15.63%

152 windows

min -28.8% · max 76.4%

78% positive

3-Year rolling

+13.10%

127 windows

min -10.3% · max 29.4%

92% positive

5-Year rolling

+12.15%

103 windows

min -4.5% · max 24.6%

98% positive

7-Year rolling

+11.36%

79 windows

min 5.2% · max 16.1%

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 - 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	₹54.4730
2 Jun 2026	₹54.5740
1 Jun 2026	₹54.4110
29 May 2026	₹54.8910
27 May 2026	₹55.5880
26 May 2026	₹55.4170
25 May 2026	₹55.5610
22 May 2026	₹54.7730
21 May 2026	₹54.6170
20 May 2026	₹54.6490

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-Payout of Income Distribution cum capital withdrawal option - Direct is ₹54.4730. It's a ELSS from Kotak, run as a Direct 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 - 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-Payout of Income Distribution cum capital withdrawal option - 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-Payout of Income Distribution cum capital withdrawal option - Direct has delivered a absolute return of -1.98% — -3.68 pp behind the ELSS category average of 1.70%. The fund ranks #30 of 76 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option - Direct has delivered a CAGR of 12.90% — +1.95 pp ahead of the ELSS category average of 10.95%. The fund ranks #25 of 75 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 - Direct has delivered a CAGR of 13.08% — +2.44 pp ahead of the ELSS category average of 10.65%. The fund ranks #17 of 65 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option - Direct exactly 10 years ago would be worth approximately ₹295,923 today — a multiplier of 2.96×, based on the 10-year CAGR of 11.46%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option - 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-Payout of Income Distribution cum capital withdrawal option - Direct = ₹1,200,000 invested. It would currently be worth ₹2,275,211 (multiplier 1.90×). XIRR: 12.28%. 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 - Direct ranks #17 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 13.08%.

The worst peak-to-trough decline Kotak ELSS Tax Saver Fund-Payout of Income Distribution cum capital withdrawal option - 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-Payout of Income Distribution cum capital withdrawal option - Direct averaged 12.15% (best 24.60%, worst -4.48%). 98% 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-Payout of Income Distribution cum capital withdrawal option - Direct returned 2.48% — beating the ELSS category average of 2.19% by 0.29 pp. It ranked #43 of 70 in its category that year.

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