Should I invest in Navi ELSS Tax Saver Fund IDCW Payout?

We don't give personal investment advice. Navi ELSS Tax Saver Fund - Direct Plan 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: 19.8%. 5-year CAGR: 12.65%.

Navi

Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout

Latest NAV

₹32.4038

As of

10 Apr 2026

2,532 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	+1.16%	+0.12%	+1.04	1 / 76	Q1
1W	+5.27%	-1.31%	+6.58	1 / 76	Q1
2W	+4.52%	+0.08%	+4.45	2 / 76	Q1
1M	+0.19%	-0.99%	+1.18	9 / 76	Q1
3M	-6.34%	-0.23%	-6.10	69 / 76	Q4
6M	-3.28%	-4.25%	+0.97	19 / 76	Q1
YTD	-7.69%	-3.63%	-4.06	54 / 76	Q3
1Y	+7.63%	+1.70%	+5.93	10 / 76	Q1
2Y	+3.67%	+3.10%	+0.57	19 / 75	Q2
3Y	+12.78%	+10.95%	+1.83	26 / 75	Q2
4Y	+9.39%	+11.02%	-1.63	39 / 69	Q3
5Y	+12.65%	+10.65%	+2.00	21 / 65	Q2
7Y	+11.40%	+11.69%	-0.28	25 / 63	Q2
10Y	+12.54%	+10.10%	+2.44	8 / 46	Q1
Inception	+12.05%	+10.74%	+1.31	27 / 76	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	-7.69%	-5.99%	-1.70	48 / 70
2025	+5.70%	+2.19%	+3.52	11 / 70
2024	+13.65%	+16.51%	-2.86	34 / 70
2023	+25.77%	+24.04%	+1.73	25 / 68
2022	-0.08%	+1.46%	-1.55	49 / 65
2021	+30.92%	+33.28%	-2.36	26 / 68
2020	+10.27%	+13.91%	-3.63	39 / 68
2019	+9.43%	+5.99%	+3.43	33 / 66
2018	-3.70%	-7.59%	+3.88	24 / 56
2017	+35.19%	+29.87%	+5.31	14 / 50
2016	+8.45%	+1.05%	+7.40	5 / 46

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

+14.17%

114 windows

min -22.9% · max 62.1%

82% positive

3-Year rolling

+13.14%

89 windows

min -3.4% · max 25.9%

97% positive

5-Year rolling

+14.05%

65 windows

min 8.3% · max 22.9%

100% positive

7-Year rolling

+12.89%

41 windows

min 11.4% · max 14.9%

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

11.97%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

0.98

Downside-only deviation

Max drawdown

-18.44%

Sep 2024 → Mar 2025

% positive months

61.1%

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 - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
10 Apr 2026	₹32.4038
9 Apr 2026	₹32.0319
8 Apr 2026	₹32.3327
7 Apr 2026	₹31.1613
6 Apr 2026	₹30.9848
2 Apr 2026	₹30.7822
1 Apr 2026	₹30.7727
31 Mar 2026	₹30.1654
30 Mar 2026	₹30.1658
27 Mar 2026	₹31.0013

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 10 Apr 2026, the NAV of Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout is ₹32.4038. It's a ELSS from Navi, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout has NAV history starting from 31 Dec 2015, a track record of about 10 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.

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

Over the trailing 1-year window, Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout has delivered a absolute return of 7.63% — +5.93 pp ahead of the ELSS category average of 1.70%. The fund ranks #10 of 76 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout has delivered a CAGR of 12.78% — +1.83 pp ahead of the ELSS category average of 10.95%. The fund ranks #26 of 75 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout has delivered a CAGR of 12.65% — +2 pp ahead of the ELSS category average of 10.65%. The fund ranks #21 of 65 in its category — the second (Q2) quartile.

₹1 lakh invested in Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout exactly 10 years ago would be worth approximately ₹325,807 today — a multiplier of 3.26×, based on the 10-year CAGR of 12.54%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout over the last 5 years — total invested ₹600,000 — would be worth ₹742,434 today. That's an XIRR (money-weighted annualised return) of 8.45%.

A ₹10,000 monthly SIP for 10 years in Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout = ₹1,200,000 invested. It would currently be worth ₹2,161,198 (multiplier 1.80×). XIRR: 11.32%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout ranks #21 out of 65 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 10.65%; this fund delivered 12.65%.

The worst peak-to-trough decline Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout has experienced over the last 5-year window is 19.76% — its NAV fell from a high on 17 Jan 2022 to a low on 20 Jun 2022. 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, Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout averaged 14.05% (best 22.89%, worst 8.26%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, Navi ELSS Tax Saver Fund - Direct Plan IDCW Payout returned 5.70% — beating the ELSS category average of 2.19% by 3.52 pp. It ranked #11 of 70 in its category that year.

Navi ELSS Tax Saver Fund - Direct Plan 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. Navi ELSS Tax Saver Fund - Direct Plan 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: 19.8%. 5-year CAGR: 12.65%.

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