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

We don't give personal investment advice. Navi ELSS Tax Saver Fund - Regular 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: 20.6%. 5-year CAGR: 10.56%.

Navi

Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout

Latest NAV

₹27.3012

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 / 54	Q1
1W	+5.22%	-0.02%	+5.24	1 / 54	Q1
2W	+4.45%	+0.15%	+4.29	1 / 54	Q1
1M	+0.04%	+1.38%	-1.35	52 / 54	Q4
3M	-6.77%	+3.24%	-10.02	53 / 54	Q4
6M	-4.18%	+2.07%	-6.26	44 / 54	Q4
YTD	-8.16%	+1.54%	-9.70	47 / 54	Q4
1Y	+5.63%	+3.91%	+1.72	9 / 54	Q1
2Y	+1.75%	+2.16%	-0.41	16 / 53	Q2
3Y	+10.70%	+9.97%	+0.73	22 / 53	Q2
4Y	+7.35%	+11.16%	-3.81	41 / 47	Q4
5Y	+10.56%	+10.09%	+0.47	17 / 43	Q2
7Y	+9.40%	+12.92%	-3.52	37 / 41	Q4
10Y	+10.75%	+9.20%	+1.55	2 / 25	Q1
Inception	+10.20%	+10.29%	-0.09	23 / 54	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	-8.16%	-1.10%	-7.06	42 / 49
2025	+3.75%	+1.23%	+2.52	7 / 49
2024	+11.55%	+14.62%	-3.08	41 / 49
2023	+23.48%	+22.73%	+0.75	18 / 47
2022	-1.99%	+0.57%	-2.56	37 / 43
2021	+28.52%	+33.70%	-5.18	18 / 46
2020	+8.44%	+14.03%	-5.60	28 / 46
2019	+7.59%	+5.87%	+1.72	28 / 44
2018	-4.97%	-7.23%	+2.26	19 / 35
2017	+33.62%	+27.76%	+5.86	5 / 28
2016	+7.00%	-0.01%	+7.01	3 / 24

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

+11.23%

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

+10.99%

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

0.38

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 - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹40.2962	17 Jul 2026
Quantum ELSS Tax Saver Fund - Regular Plan IDCW	Quantum	₹118.6800	17 Jul 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - IDCW	Mirae Asset	₹22.7080	17 Jul 2026
HSBC ELSS Tax saver Fund - Regular IDCW Payout	HSBC	₹26.9610	17 Jul 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund- Regular - IDCW Option	Baroda BNP Paribas	₹21.8082	17 Jul 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option	PGIM India	₹16.4700	17 Jul 2026
Axis ELSS Tax Saver Fund - Regular Plan - IDCW	Axis	₹23.6460	17 Jul 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - IDCW Payout	360 ONE	₹13.6989	17 Jul 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - IDCW	Bajaj Finserv	₹11.5980	17 Jul 2026
BANK OF INDIA Mid Cap Tax Fund Series 1 Regular Plan IDCW	Bank of India	₹29.1300	17 Jul 2026

Recent NAVs

Date	NAV
10 Apr 2026	₹27.3012
9 Apr 2026	₹26.9893
8 Apr 2026	₹27.2442
7 Apr 2026	₹26.2586
6 Apr 2026	₹26.1113
2 Apr 2026	₹25.9461
1 Apr 2026	₹25.9394
31 Mar 2026	₹25.4289
30 Mar 2026	₹25.4305
27 Mar 2026	₹26.1388

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 IDCW Payout is ₹27.3012. It's a ELSS from Navi, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout has NAV history starting from 31 Dec 2015, a track record of about 10 years 6 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 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 - Regular Plan IDCW Payout has delivered a absolute return of 5.63% — +1.72 pp ahead of the ELSS category average of 3.91%. The fund ranks #9 of 54 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout has delivered a CAGR of 10.70% — +0.73 pp ahead of the ELSS category average of 9.97%. The fund ranks #22 of 53 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout has delivered a CAGR of 10.56% — +0.47 pp ahead of the ELSS category average of 10.09%. The fund ranks #17 of 43 in its category — the second (Q2) quartile.

₹1 lakh invested in Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout exactly 10 years ago would be worth approximately ₹277,499 today — a multiplier of 2.77×, based on the 10-year CAGR of 10.75%. The category average over the same window would have grown ₹1 lakh to ₹241,094.

A ₹10,000 monthly SIP in Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout over the last 5 years — total invested ₹600,000 — would be worth ₹704,681 today. That's an XIRR (money-weighted annualised return) of 6.36%.

A ₹10,000 monthly SIP for 10 years in Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout = ₹1,200,000 invested. It would currently be worth ₹1,943,376 (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 IDCW Payout ranks #17 out of 43 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 10.09%; this fund delivered 10.56%.

The worst peak-to-trough decline Navi ELSS Tax Saver Fund - Regular Plan IDCW Payout 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 IDCW Payout averaged 12.12% (best 20.61%, 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 IDCW Payout returned 3.75% — beating the ELSS category average of 1.23% by 2.52 pp. It ranked #7 of 49 in its category that year.

Navi ELSS Tax Saver Fund - Regular 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 - Regular 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: 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.