Should I invest in Navi ELSS Tax Saver Fund?

We don't give personal investment advice. Navi 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: 20.6%. 5-year CAGR: 10.56%.

Navi

Navi ELSS Tax Saver Fund- Regular Plan- Growth Option

Latest NAV

₹27.3039

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%	+0.26%	+0.89	1 / 39	Q1
1W	+5.22%	-1.20%	+6.42	1 / 39	Q1
2W	+4.45%	+0.29%	+4.16	1 / 39	Q1
1M	+0.04%	-0.80%	+0.84	7 / 39	Q1
3M	-6.77%	+1.50%	-8.28	38 / 39	Q4
6M	-4.18%	-1.37%	-2.81	20 / 39	Q3
YTD	-8.16%	-0.13%	-8.03	31 / 39	Q4
1Y	+5.63%	+7.59%	-1.96	13 / 39	Q2
2Y	+1.75%	+5.80%	-4.05	26 / 38	Q3
3Y	+10.70%	+13.52%	-2.82	29 / 38	Q4
4Y	+7.36%	+13.95%	-6.59	31 / 31	Q4
5Y	+10.56%	+14.19%	-3.62	21 / 27	Q4
7Y	+9.40%	+15.05%	-5.65	24 / 25	Q4
10Y	+10.75%	+13.26%	-2.51	8 / 8	Q4
Inception	+10.20%	+12.52%	-2.32	29 / 39	Q3

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	-8.16%	-4.18%	-3.98	26 / 34
2025	+3.75%	+2.03%	+1.72	14 / 34
2024	+11.55%	+18.62%	-7.07	29 / 34
2023	+23.50%	+30.88%	-7.38	23 / 32
2022	-1.99%	+2.53%	-4.53	24 / 27
2021	+28.52%	+41.08%	-12.56	24 / 30
2020	+8.44%	+17.81%	-9.37	30 / 30
2019	+7.59%	+3.04%	+4.55	13 / 27
2018	-4.97%	-11.14%	+6.17	6 / 18
2017	+33.62%	+37.20%	-3.59	8 / 11
2016	+6.99%	+6.47%	+0.53	4 / 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

+12.32%

114 windows

min -24.1% · max 59.2%

76% positive

3-Year rolling

+11.24%

89 windows

min -4.8% · max 23.6%

96% positive

5-Year rolling

+12.12%

65 windows

min 6.5% · max 20.6%

100% positive

7-Year rolling

+11.00%

41 windows

min 9.4% · max 13.1%

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

11.95%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.67

Downside-only deviation

Max drawdown

-19.10%

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
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
Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option	Motilal Oswal	₹53.7245	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

Recent NAVs

Date	NAV
10 Apr 2026	₹27.3039
9 Apr 2026	₹26.9920
8 Apr 2026	₹27.2468
7 Apr 2026	₹26.2612
6 Apr 2026	₹26.1138
2 Apr 2026	₹25.9486
1 Apr 2026	₹25.9419
31 Mar 2026	₹25.4313
30 Mar 2026	₹25.4329
27 Mar 2026	₹26.1414

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- Regular Plan- Growth Option is ₹27.3039. It's a ELSS from Navi, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Navi ELSS Tax Saver Fund- Regular Plan- Growth Option 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- Regular Plan- Growth Option 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- Regular Plan- Growth Option has delivered a absolute return of 5.63% — -1.96 pp behind the ELSS category average of 7.59%. The fund ranks #13 of 39 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Navi ELSS Tax Saver Fund- Regular Plan- Growth Option has delivered a CAGR of 10.70% — -2.82 pp behind the ELSS category average of 13.52%. The fund ranks #29 of 38 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Navi ELSS Tax Saver Fund- Regular Plan- Growth Option has delivered a CAGR of 10.56% — -3.62 pp behind the ELSS category average of 14.19%. The fund ranks #21 of 27 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Navi ELSS Tax Saver Fund- Regular Plan- Growth Option exactly 10 years ago would be worth approximately ₹277,536 today — a multiplier of 2.78×, based on the 10-year CAGR of 10.75%. The category average over the same window would have grown ₹1 lakh to ₹347,241.

A ₹10,000 monthly SIP in Navi ELSS Tax Saver Fund- Regular Plan- Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹704,760 today. That's an XIRR (money-weighted annualised return) of 6.37%.

A ₹10,000 monthly SIP for 10 years in Navi ELSS Tax Saver Fund- Regular Plan- Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,943,659 (multiplier 1.62×). XIRR: 9.32%. 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- Regular Plan- Growth Option ranks #21 out of 27 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.19%; this fund delivered 10.56%.

The worst peak-to-trough decline Navi ELSS Tax Saver Fund- Regular Plan- Growth Option has experienced over the last 5-year window is 20.61% — its NAV fell from a high on 18 Oct 2021 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- Regular Plan- Growth Option averaged 12.12% (best 20.62%, worst 6.51%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.27 — weak risk-adjusted performance.

In calendar year 2025, Navi ELSS Tax Saver Fund- Regular Plan- Growth Option returned 3.75% — beating the ELSS category average of 2.03% by 1.72 pp. It ranked #14 of 34 in its category that year.

Navi 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. Navi 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: 20.6%. 5-year CAGR: 10.56%.

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