Should I invest in Motilal Oswal ELSS Tax Saver Fund?

We don't give personal investment advice. Motilal Oswal ELSS Tax Saver Fund - IDCW Payout 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: 31.6%. 5-year CAGR: 9.51%.

Motilal Oswal

Motilal Oswal ELSS Tax Saver Fund - IDCW Payout

Latest NAV

₹29.6508

As of

3 Jun 2026

2,796 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	+0.73%	-2.11%	+2.84	7 / 90	Q1
1W	-0.13%	-4.12%	+3.98	27 / 87	Q2
2W	+1.64%	-3.75%	+5.39	12 / 87	Q1
1M	+0.02%	-5.60%	+5.63	18 / 87	Q1
3M	+4.01%	-5.40%	+9.41	17 / 87	Q1
6M	-3.48%	-3.98%	+0.50	37 / 89	Q2
YTD	-1.27%	-5.20%	+3.93	23 / 89	Q2
1Y	-3.63%	+1.41%	-5.04	50 / 87	Q3
2Y	+0.84%	-0.15%	+0.99	47 / 86	Q3
3Y	+14.08%	+6.12%	+7.96	26 / 81	Q2
4Y	+13.97%	+7.91%	+6.06	20 / 78	Q2
5Y	+9.51%	+6.94%	+2.57	45 / 77	Q3
7Y	+9.69%	+8.75%	+0.94	42 / 75	Q3
10Y	+9.99%	+8.10%	+1.89	36 / 69	Q3
Inception	+9.91%	+5.86%	+4.05	35 / 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	-1.27%	-7.12%	+5.85	5 / 47
2025	-15.63%	+1.54%	-17.16	47 / 47
2024	+36.45%	+18.17%	+18.27	1 / 47
2023	+28.49%	+23.46%	+5.04	12 / 49
2022	-5.20%	+0.75%	-5.95	43 / 52
2021	+16.45%	+28.91%	-12.45	50 / 54
2020	+8.74%	+11.40%	-2.66	38 / 56
2019	+10.42%	+2.03%	+8.39	10 / 59
2018	-14.17%	-9.68%	-4.49	45 / 61
2017	+37.48%	+29.95%	+7.52	11 / 65
2016	+10.74%	-0.31%	+11.05	5 / 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

+11.66%

127 windows

min -25.9% · max 55.3%

66% positive

3-Year rolling

+10.04%

102 windows

min -8.1% · max 22.1%

92% positive

5-Year rolling

+9.46%

78 windows

min 0.6% · max 18.2%

100% positive

7-Year rolling

+9.25%

54 windows

min 6.0% · max 12.2%

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

20.87%

3-year · annualised

Sharpe ratio

0.43

vs risk-free 6.5%

Sortino ratio

0.63

Downside-only deviation

Max drawdown

-31.57%

Dec 2024 → Apr 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	₹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
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	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
Canara Robeco Equity Taxsaver - Dividend plan	Canara Robeco	₹45.6600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹29.6508
2 Jun 2026	₹29.5484
1 Jun 2026	₹29.3344
29 May 2026	₹29.5484
27 May 2026	₹29.7389
26 May 2026	₹29.5877
25 May 2026	₹29.4191
22 May 2026	₹29.1549
21 May 2026	₹29.2243
20 May 2026	₹29.2131

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 Motilal Oswal ELSS Tax Saver Fund - IDCW Payout is ₹29.6508. It's a ELSS from Motilal Oswal, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Motilal Oswal ELSS Tax Saver Fund - IDCW Payout has NAV history starting from 22 Jan 2015, a track record of about 11 years 4 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 - IDCW Payout 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 - IDCW Payout has delivered a absolute return of -3.63% — -5.04 pp behind the ELSS category average of 1.41%. The fund ranks #50 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Motilal Oswal ELSS Tax Saver Fund - IDCW Payout has delivered a CAGR of 14.08% — +7.96 pp ahead of the ELSS category average of 6.12%. The fund ranks #26 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Motilal Oswal ELSS Tax Saver Fund - IDCW Payout has delivered a CAGR of 9.51% — +2.57 pp ahead of the ELSS category average of 6.94%. The fund ranks #45 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in Motilal Oswal ELSS Tax Saver Fund - IDCW Payout exactly 10 years ago would be worth approximately ₹259,150 today — a multiplier of 2.59×, based on the 10-year CAGR of 9.99%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in Motilal Oswal ELSS Tax Saver Fund - IDCW Payout over the last 5 years — total invested ₹600,000 — would be worth ₹747,024 today. That's an XIRR (money-weighted annualised return) of 8.69%.

A ₹10,000 monthly SIP for 10 years in Motilal Oswal ELSS Tax Saver Fund - IDCW Payout = ₹1,200,000 invested. It would currently be worth ₹1,924,525 (multiplier 1.60×). XIRR: 9.13%. 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 - IDCW Payout ranks #45 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.94%; this fund delivered 9.51%.

The worst peak-to-trough decline Motilal Oswal ELSS Tax Saver Fund - IDCW Payout has experienced over the last 5-year window is 31.57% — its NAV fell from a high on 16 Dec 2024 to a low on 07 Apr 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 - IDCW Payout averaged 9.46% (best 18.20%, worst 0.59%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, Motilal Oswal ELSS Tax Saver Fund - IDCW Payout returned -15.63% — lagging the ELSS category average of 1.54% by 17.16 pp. It ranked #47 of 47 in its category that year.

Motilal Oswal ELSS Tax Saver Fund - IDCW Payout 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 - IDCW Payout 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: 31.6%. 5-year CAGR: 9.51%.

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