Should I invest in Kotak Tax Saver-Scheme?

We don't give personal investment advice. Kotak Tax Saver-Scheme-Dividend 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: 11.69%.

Kotak Mahindra

Kotak Tax Saver-Scheme-Dividend

Latest NAV

₹41.1340

As of

3 Jun 2026

4,963 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%	-2.11%	+2.41	24 / 90	Q2
1W	-1.54%	-4.12%	+2.57	50 / 87	Q3
2W	+0.03%	-3.75%	+3.78	29 / 87	Q2
1M	-2.32%	-5.60%	+3.28	59 / 87	Q3
3M	-3.67%	-5.40%	+1.73	57 / 87	Q3
6M	-6.44%	-3.98%	-2.47	53 / 89	Q3
YTD	-6.51%	-5.20%	-1.31	51 / 89	Q3
1Y	-3.10%	+1.41%	-4.50	48 / 87	Q3
2Y	-1.70%	-0.15%	-1.56	62 / 86	Q3
3Y	+11.58%	+6.12%	+5.45	40 / 81	Q2
4Y	+13.00%	+7.91%	+5.10	31 / 78	Q2
5Y	+11.69%	+6.94%	+4.74	30 / 77	Q2
7Y	+11.13%	+8.75%	+2.38	35 / 75	Q2
10Y	+9.56%	+8.10%	+1.46	37 / 69	Q3
Inception	+5.78%	+5.86%	-0.07	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	-6.51%	-7.12%	+0.62	20 / 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

+10.13%

234 windows

min -68.7% · max 85.8%

65% positive

3-Year rolling

+8.33%

210 windows

min -24.1% · max 27.7%

76% positive

5-Year rolling

+8.33%

185 windows

min -8.1% · max 23.0%

84% positive

7-Year rolling

+7.91%

161 windows

min -4.6% · max 18.8%

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

13.93%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.57

Downside-only deviation

Max drawdown

-19.96%

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 TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Growth	Kotak Mahindra	₹109.9130	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹41.1340
2 Jun 2026	₹41.2120
1 Jun 2026	₹41.0900
29 May 2026	₹41.4560
27 May 2026	₹41.9860
26 May 2026	₹41.8580
25 May 2026	₹41.9680
22 May 2026	₹41.3760
21 May 2026	₹41.2600
20 May 2026	₹41.2850

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 Tax Saver-Scheme-Dividend is ₹41.1340. 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 Tax Saver-Scheme-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 Tax Saver-Scheme-Dividend 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 Tax Saver-Scheme-Dividend has delivered a absolute return of -3.10% — -4.5 pp behind the ELSS category average of 1.41%. The fund ranks #48 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Tax Saver-Scheme-Dividend has delivered a CAGR of 11.58% — +5.45 pp ahead of the ELSS category average of 6.12%. The fund ranks #40 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Tax Saver-Scheme-Dividend has delivered a CAGR of 11.69% — +4.74 pp ahead of the ELSS category average of 6.94%. The fund ranks #30 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Tax Saver-Scheme-Dividend exactly 10 years ago would be worth approximately ₹249,211 today — a multiplier of 2.49×, based on the 10-year CAGR of 9.56%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in Kotak Tax Saver-Scheme-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹748,184 today. That's an XIRR (money-weighted annualised return) of 8.76%.

A ₹10,000 monthly SIP for 10 years in Kotak Tax Saver-Scheme-Dividend = ₹1,200,000 invested. It would currently be worth ₹2,082,723 (multiplier 1.74×). XIRR: 10.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Tax Saver-Scheme-Dividend ranks #30 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 6.94%; this fund delivered 11.69%.

The worst peak-to-trough decline Kotak Tax Saver-Scheme-Dividend 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 Tax Saver-Scheme-Dividend averaged 8.33% (best 23.01%, worst -8.08%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, Kotak Tax Saver-Scheme-Dividend 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 Tax Saver-Scheme-Dividend 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 Tax Saver-Scheme-Dividend 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: 11.69%.

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