Should I invest in PGIM India ELSS Tax Saver Fund?

We don't give personal investment advice. PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend 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: 29.8%. 5-year CAGR: 1.49%.

PGIM India

PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option

Latest NAV

₹16.6700

As of

3 Jun 2026

2,579 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	+0.66%	+0.12%	+0.55	7 / 76	Q1
1W	-1.30%	-1.31%	+0.01	16 / 76	Q1
2W	+0.06%	+0.08%	-0.02	29 / 76	Q2
1M	-1.42%	-0.99%	-0.43	49 / 76	Q3
3M	-9.68%	-0.23%	-9.44	75 / 76	Q4
6M	-15.44%	-4.25%	-11.18	73 / 76	Q4
YTD	-14.66%	-3.63%	-11.03	72 / 76	Q4
1Y	-11.96%	+1.70%	-13.66	74 / 76	Q4
2Y	-5.55%	+3.10%	-8.64	73 / 75	Q4
3Y	+0.10%	+10.95%	-10.85	75 / 75	Q4
4Y	+1.85%	+11.02%	-9.17	69 / 69	Q4
5Y	+1.49%	+10.65%	-9.16	64 / 65	Q4
7Y	+5.69%	+11.69%	-5.99	59 / 63	Q4
10Y	+4.94%	+10.10%	-5.16	43 / 46	Q4
Inception	+5.01%	+10.74%	-5.72	73 / 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	-14.66%	-5.99%	-8.67	66 / 70
2025	-5.86%	+2.19%	-8.05	67 / 70
2024	+7.26%	+16.51%	-9.25	69 / 70
2023	+10.55%	+24.04%	-13.49	67 / 68
2022	-1.42%	+1.46%	-2.88	53 / 65
2021	+32.71%	+33.28%	-0.57	23 / 68
2020	+18.82%	+13.91%	+4.91	17 / 68
2019	+4.54%	+5.99%	-1.45	44 / 66
2018	-17.74%	-7.59%	-10.15	47 / 56
2017	+24.33%	+29.87%	-5.54	42 / 50
2016	+1.45%	+1.05%	+0.40	13 / 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

+7.70%

116 windows

min -28.0% · max 77.5%

60% positive

3-Year rolling

+7.10%

92 windows

min -12.5% · max 25.7%

83% positive

5-Year rolling

+9.15%

67 windows

min 1.5% · max 15.6%

100% positive

7-Year rolling

+7.37%

43 windows

min 5.1% · max 9.5%

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

16.04%

3-year · annualised

Sharpe ratio

-0.32

vs risk-free 6.5%

Sortino ratio

-0.40

Downside-only deviation

Max drawdown

-29.77%

Sep 2024 → Mar 2026

% positive months

58.3%

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
3 Jun 2026	₹16.6700
2 Jun 2026	₹16.7100
1 Jun 2026	₹16.6000
29 May 2026	₹16.7400
27 May 2026	₹16.9400
26 May 2026	₹16.9300
25 May 2026	₹16.9800
22 May 2026	₹16.7900
21 May 2026	₹16.7700
20 May 2026	₹16.7400

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 PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option is ₹16.6700. It's a ELSS from PGIM India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option has NAV history starting from 14 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.

PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option is managed by PGIM 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, PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option has delivered a absolute return of -11.96% — -13.66 pp behind the ELSS category average of 1.70%. The fund ranks #74 of 76 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option has delivered a CAGR of 0.10% — -10.85 pp behind the ELSS category average of 10.95%. The fund ranks #75 of 75 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option has delivered a CAGR of 1.49% — -9.16 pp behind the ELSS category average of 10.65%. The fund ranks #64 of 65 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option exactly 10 years ago would be worth approximately ₹161,918 today — a multiplier of 1.62×, based on the 10-year CAGR of 4.94%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹562,153 today. That's an XIRR (money-weighted annualised return) of -2.56%.

A ₹10,000 monthly SIP for 10 years in PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,443,470 (multiplier 1.20×). XIRR: 3.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option ranks #64 out of 65 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.65%; this fund delivered 1.49%.

The worst peak-to-trough decline PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option has experienced over the last 5-year window is 29.77% — its NAV fell from a high on 23 Sep 2024 to a low on 30 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, PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option averaged 9.15% (best 15.63%, worst 1.49%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.24 — negative risk-adjusted performance.

In calendar year 2025, PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend Option returned -5.86% — lagging the ELSS category average of 2.19% by 8.05 pp. It ranked #67 of 70 in its category that year.

PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend 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. PGIM India ELSS Tax Saver Fund - Direct Plan - Dividend 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: 29.8%. 5-year CAGR: 1.49%.

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