Should I invest in Motilal Oswal ELSS Tax Saver Fund?

We don't give personal investment advice. Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth 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: 27.7%. 5-year CAGR: 18.46%.

Motilal Oswal

Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option

Latest NAV

₹63.7427

As of

17 Jul 2026

2,827 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	-0.42%	+0.16%	-0.58	51 / 59	Q4
1W	-0.98%	+0.01%	-0.99	50 / 59	Q4
2W	-1.13%	+0.41%	-1.54	56 / 59	Q4
1M	-0.09%	+1.60%	-1.70	56 / 59	Q4
3M	+4.64%	+3.41%	+1.22	20 / 59	Q2
6M	+10.67%	+3.24%	+7.44	8 / 59	Q1
YTD	+9.69%	+2.42%	+7.27	6 / 59	Q1
1Y	+4.79%	+6.87%	-2.07	19 / 59	Q2
2Y	+6.82%	+4.51%	+2.31	9 / 58	Q1
3Y	+22.24%	+14.16%	+8.08	1 / 58	Q1
4Y	+24.12%	+15.94%	+8.17	1 / 51	Q1
5Y	+18.46%	+14.21%	+4.25	3 / 47	Q1
7Y	+20.18%	+17.19%	+2.99	11 / 45	Q1
10Y	+17.89%	+14.50%	+3.38	2 / 27	Q1
Inception	+17.39%	+14.54%	+2.86	8 / 59	Q1

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	+9.69%	-0.01%	+9.71	2 / 53
2025	-8.69%	+3.70%	-12.39	52 / 53
2024	+48.38%	+20.13%	+28.25	1 / 53
2023	+39.55%	+30.82%	+8.73	8 / 51
2022	+3.03%	+3.78%	-0.74	30 / 47
2021	+33.05%	+39.32%	-6.27	34 / 50
2020	+10.23%	+18.42%	-8.19	47 / 50
2019	+14.09%	+6.48%	+7.60	8 / 47
2018	-7.14%	-7.38%	+0.24	23 / 37
2017	+44.32%	+38.27%	+6.05	8 / 31
2016	+12.49%	+5.54%	+6.95	5 / 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

+19.66%

128 windows

min -21.1% · max 71.3%

79% positive

3-Year rolling

+18.38%

104 windows

min -3.4% · max 33.4%

96% positive

5-Year rolling

+17.36%

80 windows

min 6.1% · max 31.7%

100% positive

7-Year rolling

+16.98%

55 windows

min 13.1% · max 20.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

20.79%

3-year · annualised

Sharpe ratio

0.77

vs risk-free 6.5%

Sortino ratio

1.23

Downside-only deviation

Max drawdown

-27.71%

Dec 2024 → Mar 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 Option - Direct Plan	HDFC	₹1,497.0580	17 Jul 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹144.8728	17 Jul 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹479.1199	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹1,043.9300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹148.3100	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹179.3500	17 Jul 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹460.9956	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹69.9900	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,617.9351	17 Jul 2026
Mirae Asset ELSS Tax Saver Fund - Direct Plan - Growth	Mirae Asset	₹57.7910	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹63.7427
16 Jul 2026	₹64.0115
15 Jul 2026	₹64.4460
14 Jul 2026	₹63.5342
13 Jul 2026	₹64.0155
10 Jul 2026	₹64.3750
9 Jul 2026	₹63.6041
8 Jul 2026	₹62.8611
7 Jul 2026	₹63.7685
6 Jul 2026	₹64.3532

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 Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option is ₹63.7427. It's a ELSS from Motilal Oswal, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option has NAV history starting from 22 Jan 2015, a track record of about 11 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.

Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option is managed by Motilal Oswal. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a absolute return of 4.79% — -2.07 pp behind the ELSS category average of 6.87%. The fund ranks #19 of 59 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 22.24% — +8.08 pp ahead of the ELSS category average of 14.16%. The fund ranks #1 of 58 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 18.46% — +4.25 pp ahead of the ELSS category average of 14.21%. The fund ranks #3 of 47 in its category — the top (Q1) quartile.

₹1 lakh invested in Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹518,305 today — a multiplier of 5.18×, based on the 10-year CAGR of 17.89%. The category average over the same window would have grown ₹1 lakh to ₹387,351.

A ₹10,000 monthly SIP in Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹971,363 today. That's an XIRR (money-weighted annualised return) of 19.34%.

A ₹10,000 monthly SIP for 10 years in Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹3,162,913 (multiplier 2.64×). XIRR: 18.42%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option ranks #3 out of 47 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.21%; this fund delivered 18.46%.

The worst peak-to-trough decline Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 27.71% — its NAV fell from a high on 16 Dec 2024 to a low on 03 Mar 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, Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option averaged 17.36% (best 31.74%, worst 6.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.63 — reasonable risk-adjusted performance.

In calendar year 2025, Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option returned -8.69% — lagging the ELSS category average of 3.70% by 12.39 pp. It ranked #52 of 53 in its category that year.

Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth 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. Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth 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: 27.7%. 5-year CAGR: 18.46%.

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