Should I invest in Motilal Oswal ELSS Tax Saver Fund?

We don't give personal investment advice. Motilal Oswal ELSS Tax Saver Fund - Regular 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: 27.9%. 5-year CAGR: 17.52%.

Motilal Oswal

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

Latest NAV

₹53.7245

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%	+0.26%	+0.47	4 / 39	Q1
1W	-0.13%	-1.20%	+1.06	9 / 39	Q1
2W	+1.64%	+0.29%	+1.35	3 / 39	Q1
1M	+0.02%	-0.80%	+0.82	9 / 39	Q1
3M	+11.79%	+1.50%	+10.29	1 / 39	Q1
6M	+3.74%	-1.37%	+5.12	5 / 39	Q1
YTD	+6.12%	-0.13%	+6.24	5 / 39	Q1
1Y	+3.58%	+7.59%	-4.01	15 / 39	Q2
2Y	+8.13%	+5.80%	+2.32	7 / 38	Q1
3Y	+22.41%	+13.52%	+8.89	1 / 38	Q1
4Y	+22.29%	+13.95%	+8.34	1 / 31	Q1
5Y	+17.52%	+14.19%	+3.34	8 / 27	Q2
7Y	+17.36%	+15.05%	+2.31	9 / 25	Q2
10Y	+16.73%	+13.26%	+3.47	1 / 8	Q1
Inception	+15.81%	+12.52%	+3.28	7 / 39	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	+6.12%	-4.18%	+10.29	1 / 34
2025	-9.75%	+2.03%	-11.78	33 / 34
2024	+46.62%	+18.62%	+28.00	1 / 34
2023	+37.88%	+30.88%	+7.01	7 / 32
2022	+1.78%	+2.53%	-0.75	22 / 27
2021	+31.35%	+41.08%	-9.73	20 / 30
2020	+8.74%	+17.81%	-9.07	29 / 30
2019	+12.60%	+3.04%	+9.55	7 / 27
2018	-8.25%	-11.14%	+2.89	10 / 18
2017	+42.34%	+37.20%	+5.14	5 / 11
2016	+10.74%	+6.47%	+4.27	3 / 7

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

+17.92%

127 windows

min -25.9% · max 71.9%

74% positive

3-Year rolling

+16.35%

102 windows

min -5.5% · max 30.9%

92% positive

5-Year rolling

+15.66%

78 windows

min 3.1% · max 28.1%

100% positive

7-Year rolling

+15.33%

54 windows

min 10.8% · max 19.2%

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

20.54%

3-year · annualised

Sharpe ratio

0.78

vs risk-free 6.5%

Sortino ratio

1.22

Downside-only deviation

Max drawdown

-27.89%

Dec 2024 → Mar 2025

% positive months

69.4%

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
SBI Long Term Advantage Fund - Series IV - Regular Plan - Growth	SBI	₹45.3372	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan Growth Option	Quantum	₹115.4600	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	Mirae Asset	₹48.1190	3 Jun 2026
Parag Parikh ELSS Tax Saver Fund- Regular Growth	Parag Parikh	₹28.8835	3 Jun 2026
HSBC ELSS Tax saver Fund - Regular Growth	HSBC	₹134.2196	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund - Regular - Growth Option	Baroda BNP Paribas	₹94.7276	3 Jun 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option	PGIM India	₹32.4100	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - Growth	Axis	₹91.0469	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	360 ONE	₹13.1353	3 Jun 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - GROWTH	Bajaj Finserv	₹11.0910	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹53.7245
2 Jun 2026	₹53.5388
1 Jun 2026	₹53.1511
29 May 2026	₹53.5390
27 May 2026	₹53.8840
26 May 2026	₹53.6102
25 May 2026	₹53.3046
22 May 2026	₹52.8259
21 May 2026	₹52.9516
20 May 2026	₹52.9313

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 - Regular Plan - Growth Option is ₹53.7245. It's a ELSS from Motilal Oswal, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 3.58% — -4.01 pp behind the ELSS category average of 7.59%. The fund ranks #15 of 39 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option has delivered a CAGR of 22.41% — +8.89 pp ahead of the ELSS category average of 13.52%. The fund ranks #1 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option has delivered a CAGR of 17.52% — +3.34 pp ahead of the ELSS category average of 14.19%. The fund ranks #8 of 27 in its category — the second (Q2) quartile.

₹1 lakh invested in Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹469,556 today — a multiplier of 4.70×, based on the 10-year CAGR of 16.73%. The category average over the same window would have grown ₹1 lakh to ₹347,241.

A ₹10,000 monthly SIP in Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹932,631 today. That's an XIRR (money-weighted annualised return) of 17.67%.

A ₹10,000 monthly SIP for 10 years in Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,901,905 (multiplier 2.42×). XIRR: 16.82%. 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 - Regular Plan - Growth Option ranks #8 out of 27 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 14.19%; this fund delivered 17.52%.

The worst peak-to-trough decline Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 27.89% — 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 - Regular Plan - Growth Option averaged 15.66% (best 28.08%, worst 3.05%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.64 — reasonable risk-adjusted performance.

In calendar year 2025, Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option returned -9.75% — lagging the ELSS category average of 2.03% by 11.78 pp. It ranked #33 of 34 in its category that year.

Motilal Oswal ELSS Tax Saver Fund - Regular 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 - Regular 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: 27.9%. 5-year CAGR: 17.52%.

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