Should I invest in Kotak Tax Saver-Scheme?

We don't give personal investment advice. Kotak Tax Saver-Scheme-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: 12.20%.

Kotak Mahindra

Kotak Tax Saver-Scheme-Growth

Latest NAV

₹117.2020

As of

17 Jul 2026

4,994 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%	-1.95%	+2.38	25 / 90	Q2
1W	+0.52%	-3.22%	+3.74	18 / 87	Q1
2W	+0.90%	-3.57%	+4.47	16 / 87	Q1
1M	+2.51%	-3.98%	+6.49	12 / 87	Q1
3M	+3.59%	-3.29%	+6.88	21 / 87	Q1
6M	+0.68%	-1.04%	+1.71	39 / 89	Q2
YTD	-0.49%	-3.07%	+2.57	28 / 89	Q2
1Y	+0.09%	+2.32%	-2.22	45 / 87	Q3
2Y	-0.67%	-0.75%	+0.08	50 / 86	Q3
3Y	+11.65%	+5.77%	+5.88	39 / 81	Q2
4Y	+14.61%	+8.62%	+5.99	21 / 78	Q2
5Y	+12.20%	+7.06%	+5.14	23 / 77	Q2
7Y	+15.17%	+9.74%	+5.43	17 / 75	Q1
10Y	+13.75%	+8.09%	+5.66	14 / 69	Q1
Inception	+11.33%	+5.96%	+5.38	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	-0.49%	-3.09%	+2.60	10 / 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

+15.28%

236 windows

min -57.9% · max 99.2%

76% positive

3-Year rolling

+13.00%

211 windows

min -9.3% · max 31.5%

93% positive

5-Year rolling

+12.86%

187 windows

min -2.9% · max 26.6%

98% positive

7-Year rolling

+12.76%

163 windows

min 3.2% · max 18.7%

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

13.95%

3-year · annualised

Sharpe ratio

0.40

vs risk-free 6.5%

Sortino ratio

0.63

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 TaxSaver-Dividend Plan	HDFC	₹66.8780	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.5675	17 Jul 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹89.3173	17 Jul 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹28.9500	17 Jul 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹125.9300	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.3525	17 Jul 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹60.8511	17 Jul 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹43.8620	17 Jul 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹30.8300	17 Jul 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹22.3070	17 Jul 2026

Recent NAVs

Date	NAV
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
10 Jul 2026	₹116.5930
9 Jul 2026	₹115.5510
8 Jul 2026	₹114.4930
7 Jul 2026	₹116.9060
6 Jul 2026	₹117.0480

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 17 Jul 2026, the NAV of Kotak Tax Saver-Scheme-Growth is ₹117.2020. 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-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 Tax Saver-Scheme-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 Tax Saver-Scheme-Growth has delivered a absolute return of 0.09% — -2.22 pp behind the ELSS category average of 2.32%. The fund ranks #45 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Tax Saver-Scheme-Growth has delivered a CAGR of 11.65% — +5.88 pp ahead of the ELSS category average of 5.77%. The fund ranks #39 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Tax Saver-Scheme-Growth has delivered a CAGR of 12.20% — +5.14 pp ahead of the ELSS category average of 7.06%. The fund ranks #23 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Tax Saver-Scheme-Growth exactly 10 years ago would be worth approximately ₹362,685 today — a multiplier of 3.63×, based on the 10-year CAGR of 13.75%. The category average over the same window would have grown ₹1 lakh to ₹217,608.

A ₹10,000 monthly SIP in Kotak Tax Saver-Scheme-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹783,463 today. That's an XIRR (money-weighted annualised return) of 10.61%.

A ₹10,000 monthly SIP for 10 years in Kotak Tax Saver-Scheme-Growth = ₹1,200,000 invested. It would currently be worth ₹2,464,450 (multiplier 2.05×). XIRR: 13.78%. 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-Growth ranks #23 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 7.06%; this fund delivered 12.20%.

The worst peak-to-trough decline Kotak Tax Saver-Scheme-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 Tax Saver-Scheme-Growth averaged 12.86% (best 26.55%, worst -2.90%). 98% 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-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 Tax Saver-Scheme-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 Tax Saver-Scheme-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: 12.20%.

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