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 - 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: 17.0%. 5-year CAGR: 11.07%.

PGIM India

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

Latest NAV

₹37.5900

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	+0.64%	+0.24%	+0.40	10 / 59	Q1
1W	-1.34%	-1.27%	-0.06	19 / 59	Q2
2W	+0.03%	+0.30%	-0.27	32 / 59	Q3
1M	-1.44%	-0.87%	-0.57	32 / 59	Q3
3M	-1.15%	+0.83%	-1.99	33 / 59	Q3
6M	-7.47%	-2.14%	-5.33	46 / 59	Q4
YTD	-6.62%	-1.56%	-5.06	39 / 59	Q3
1Y	-3.63%	+5.96%	-9.60	47 / 59	Q4
2Y	+3.30%	+5.58%	-2.28	32 / 58	Q3
3Y	+9.57%	+14.58%	-5.01	55 / 58	Q4
4Y	+11.37%	+14.85%	-3.48	46 / 51	Q4
5Y	+11.07%	+14.46%	-3.40	41 / 47	Q4
7Y	+13.48%	+15.51%	-2.03	34 / 45	Q4
10Y	+13.82%	+14.50%	-0.68	15 / 27	Q3
Inception	+13.49%	+14.13%	-0.65	38 / 59	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	-6.62%	-4.44%	-2.18	33 / 53
2025	+2.88%	+3.70%	-0.82	32 / 53
2024	+17.56%	+20.13%	-2.57	33 / 53
2023	+20.55%	+30.82%	-10.27	47 / 51
2022	+6.21%	+3.78%	+2.43	15 / 47
2021	+38.25%	+39.32%	-1.07	16 / 50
2020	+19.01%	+18.42%	+0.59	20 / 50
2019	+9.68%	+6.48%	+3.20	21 / 47
2018	-4.01%	-7.38%	+3.37	17 / 37
2017	+39.73%	+38.27%	+1.47	11 / 31
2016	+1.45%	+5.54%	-4.09	21 / 27

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

+16.19%

116 windows

min -27.7% · max 85.2%

88% positive

3-Year rolling

+15.34%

92 windows

min -4.5% · max 32.9%

98% positive

5-Year rolling

+17.12%

67 windows

min 11.1% · max 25.3%

100% positive

7-Year rolling

+15.51%

43 windows

min 12.8% · max 17.7%

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

13.28%

3-year · annualised

Sharpe ratio

0.27

vs risk-free 6.5%

Sortino ratio

0.41

Downside-only deviation

Max drawdown

-16.54%

Nov 2025 → 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 - Growth Option - Direct Plan	HDFC	₹1,421.3430	3 Jun 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹140.6038	3 Jun 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹458.2222	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹990.7700	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹138.0800	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹173.1540	3 Jun 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹443.2149	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹66.4800	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹62.1822	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,537.4743	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹37.5900
2 Jun 2026	₹37.6600
1 Jun 2026	₹37.4200
29 May 2026	₹37.7300
27 May 2026	₹38.1900
26 May 2026	₹38.1700
25 May 2026	₹38.2800
22 May 2026	₹37.8400
21 May 2026	₹37.8000
20 May 2026	₹37.7300

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 - Growth Option is ₹37.5900. It's a ELSS from PGIM India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India ELSS Tax Saver Fund - Direct Plan - Growth 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 - Growth 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 - Growth Option has delivered a absolute return of -3.63% — -9.6 pp behind the ELSS category average of 5.96%. The fund ranks #47 of 59 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 9.57% — -5.01 pp behind the ELSS category average of 14.58%. The fund ranks #55 of 58 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option has delivered a CAGR of 11.07% — -3.4 pp behind the ELSS category average of 14.46%. The fund ranks #41 of 47 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹364,923 today — a multiplier of 3.65×, based on the 10-year CAGR of 13.82%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

A ₹10,000 monthly SIP in PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹733,785 today. That's an XIRR (money-weighted annualised return) of 7.98%.

A ₹10,000 monthly SIP for 10 years in PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,357,671 (multiplier 1.96×). XIRR: 12.95%. 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 - Growth Option ranks #41 out of 47 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.46%; this fund delivered 11.07%.

The worst peak-to-trough decline PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 17.01% — 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, PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option averaged 17.12% (best 25.32%, worst 11.07%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.38 — weak risk-adjusted performance.

In calendar year 2025, PGIM India ELSS Tax Saver Fund - Direct Plan - Growth Option returned 2.88% — lagging the ELSS category average of 3.70% by 0.82 pp. It ranked #32 of 53 in its category that year.

PGIM India ELSS Tax Saver Fund - Direct 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. PGIM India ELSS Tax Saver Fund - Direct 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: 17.0%. 5-year CAGR: 11.07%.

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