Should I invest in NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option?

We don't give personal investment advice. NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW 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: 24.4%. 5-year CAGR: 9.91%.

Nippon India

NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option

Latest NAV

₹21.9652

As of

3 Jun 2026

2,783 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	+0.15%	+0.12%	+0.03	36 / 76	Q2
1W	-1.95%	-1.31%	-0.64	55 / 76	Q3
2W	-0.69%	+0.08%	-0.77	68 / 76	Q4
1M	-1.12%	-0.99%	-0.14	23 / 76	Q2
3M	+0.04%	-0.23%	+0.27	23 / 76	Q2
6M	-9.02%	-4.25%	-4.77	62 / 76	Q4
YTD	-8.41%	-3.63%	-4.78	59 / 76	Q4
1Y	-5.22%	+1.70%	-6.92	45 / 76	Q3
2Y	-3.38%	+3.10%	-6.47	65 / 75	Q4
3Y	+8.74%	+10.95%	-2.21	45 / 75	Q3
4Y	+10.05%	+11.02%	-0.97	35 / 69	Q3
5Y	+9.91%	+10.65%	-0.74	30 / 65	Q2
7Y	+9.67%	+11.69%	-2.02	50 / 63	Q4
10Y	+8.88%	+10.10%	-1.22	37 / 46	Q4
Inception	+7.05%	+10.74%	-3.69	67 / 76	Q4

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	-8.41%	-5.99%	-2.42	53 / 70
2025	-0.63%	+2.19%	-2.81	57 / 70
2024	+10.30%	+16.51%	-6.21	63 / 70
2023	+28.95%	+24.04%	+4.91	17 / 68
2022	+7.71%	+1.46%	+6.25	6 / 65
2021	+37.81%	+33.28%	+4.53	14 / 68
2020	+0.20%	+13.91%	-13.70	65 / 68
2019	-5.65%	+5.99%	-11.64	57 / 66
2018	-19.64%	-7.59%	-12.05	49 / 56
2017	+46.15%	+29.87%	+16.28	3 / 50
2016	+4.51%	+1.05%	+3.46	8 / 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

+10.99%

126 windows

min -38.5% · max 81.6%

61% positive

3-Year rolling

+9.54%

102 windows

min -16.3% · max 31.9%

82% positive

5-Year rolling

+9.63%

77 windows

min -7.5% · max 23.7%

91% positive

7-Year rolling

+8.97%

53 windows

min 5.4% · max 11.5%

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

13.90%

3-year · annualised

Sharpe ratio

0.21

vs risk-free 6.5%

Sortino ratio

0.32

Downside-only deviation

Max drawdown

-24.36%

Sep 2024 → Mar 2026

% positive months

63.9%

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 - IDCW Option	Nippon India	₹44.5005	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
3 Jun 2026	₹21.9652
2 Jun 2026	₹21.9900
1 Jun 2026	₹21.9571
29 May 2026	₹22.2036
27 May 2026	₹22.4808
26 May 2026	₹22.4270
25 May 2026	₹22.4862
22 May 2026	₹22.2902
21 May 2026	₹22.2028
20 May 2026	₹22.1634

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 NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option is ₹21.9652. It's a ELSS from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option has NAV history starting from 11 Feb 2015, a track record of about 11 years 3 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.

NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option is managed by Nippon India. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option has delivered a absolute return of -5.22% — -6.92 pp behind the ELSS category average of 1.70%. The fund ranks #45 of 76 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option has delivered a CAGR of 8.74% — -2.21 pp behind the ELSS category average of 10.95%. The fund ranks #45 of 75 in its category — the third (Q3) quartile.

Over the trailing 5-year window, NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option has delivered a CAGR of 9.91% — -0.74 pp behind the ELSS category average of 10.65%. The fund ranks #30 of 65 in its category — the second (Q2) quartile.

₹1 lakh invested in NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option exactly 10 years ago would be worth approximately ₹234,216 today — a multiplier of 2.34×, based on the 10-year CAGR of 8.88%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹694,126 today. That's an XIRR (money-weighted annualised return) of 5.76%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,891,893 (multiplier 1.58×). XIRR: 8.81%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option ranks #30 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 9.91%.

The worst peak-to-trough decline NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option has experienced over the last 5-year window is 24.36% — its NAV fell from a high on 26 Sep 2024 to a low on 31 Mar 2026. 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, NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option averaged 9.63% (best 23.66%, worst -7.51%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is 0.29 — weak risk-adjusted performance.

In calendar year 2025, NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option returned -0.63% — lagging the ELSS category average of 2.19% by 2.81 pp. It ranked #57 of 70 in its category that year.

NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW 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. NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW 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: 24.4%. 5-year CAGR: 9.91%.

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