Should I invest in PGIM India ELSS Tax Saver Fund?

We don't give personal investment advice. PGIM India ELSS Tax Saver Fund - Regular 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: 31.4%. 5-year CAGR: 0.05%.

PGIM India

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

Latest NAV

₹15.4900

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	+0.65%	+0.08%	+0.57	7 / 54	Q1
1W	-1.40%	-1.32%	-0.08	29 / 54	Q3
2W	+0.00%	-0.04%	+0.04	19 / 54	Q2
1M	-1.52%	-1.07%	-0.45	38 / 54	Q3
3M	-10.03%	+0.01%	-10.04	53 / 54	Q4
6M	-16.11%	-3.68%	-12.43	52 / 54	Q4
YTD	-15.24%	-2.63%	-12.61	52 / 54	Q4
1Y	-13.30%	+2.41%	-15.70	52 / 54	Q4
2Y	-7.01%	+3.07%	-10.08	51 / 53	Q4
3Y	-1.42%	+9.94%	-11.35	53 / 53	Q4
4Y	+0.31%	+10.02%	-9.71	47 / 47	Q4
5Y	+0.05%	+10.19%	-10.14	42 / 43	Q4
7Y	+3.94%	+11.33%	-7.39	40 / 41	Q4
10Y	+4.19%	+9.05%	-4.86	24 / 25	Q4
Inception	+4.28%	+9.79%	-5.52	51 / 54	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	-15.24%	-5.69%	-9.54	47 / 49
2025	-7.38%	+1.23%	-8.61	48 / 49
2024	+5.59%	+14.62%	-9.03	49 / 49
2023	+9.03%	+22.73%	-13.71	45 / 47
2022	-2.86%	+0.57%	-3.42	38 / 43
2021	+31.80%	+33.70%	-1.90	17 / 46
2020	+17.59%	+14.03%	+3.55	13 / 46
2019	+4.97%	+5.87%	-0.90	31 / 44
2018	-15.52%	-7.23%	-8.29	27 / 35
2017	+22.80%	+27.76%	-4.96	24 / 28
2016	+0.68%	-0.01%	+0.69	4 / 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

+6.94%

116 windows

min -30.9% · max 76.2%

59% positive

3-Year rolling

+6.40%

92 windows

min -12.0% · max 24.4%

83% positive

5-Year rolling

+8.36%

67 windows

min 0.1% · max 14.2%

100% positive

7-Year rolling

+6.66%

43 windows

min 3.3% · max 9.0%

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

16.02%

3-year · annualised

Sharpe ratio

-0.41

vs risk-free 6.5%

Sortino ratio

-0.51

Downside-only deviation

Max drawdown

-31.40%

Sep 2024 → Mar 2026

% positive months

55.6%

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	₹38.4097	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan IDCW	Quantum	₹114.6800	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - IDCW	Mirae Asset	₹21.5970	3 Jun 2026
HSBC ELSS Tax saver Fund - Regular IDCW Payout	HSBC	₹25.8533	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund- Regular - IDCW Option	Baroda BNP Paribas	₹20.8212	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - IDCW	Axis	₹22.2921	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - IDCW Payout	360 ONE	₹13.1353	3 Jun 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - IDCW	Bajaj Finserv	₹11.0910	3 Jun 2026
BANK OF INDIA Mid Cap Tax Fund Series 1 Regular Plan IDCW	Bank of India	₹28.1500	3 Jun 2026
Bharti AXA Tax Advantage Fund-Regular Plan- Growth	Bharti AXA	₹159.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.4900
2 Jun 2026	₹15.5200
1 Jun 2026	₹15.4200
29 May 2026	₹15.5500
27 May 2026	₹15.7400
26 May 2026	₹15.7400
25 May 2026	₹15.7800
22 May 2026	₹15.6000
21 May 2026	₹15.5800
20 May 2026	₹15.5600

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 - Regular Plan - Dividend Option is ₹15.4900. It's a ELSS from PGIM India, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India ELSS Tax Saver Fund - Regular 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 - Regular 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 - Regular Plan - Dividend Option has delivered a absolute return of -13.30% — -15.7 pp behind the ELSS category average of 2.41%. The fund ranks #52 of 54 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option has delivered a CAGR of -1.42% — -11.35 pp behind the ELSS category average of 9.94%. The fund ranks #53 of 53 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option has delivered a CAGR of 0.05% — -10.14 pp behind the ELSS category average of 10.19%. The fund ranks #42 of 43 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option exactly 10 years ago would be worth approximately ₹150,680 today — a multiplier of 1.51×, based on the 10-year CAGR of 4.19%. The category average over the same window would have grown ₹1 lakh to ₹237,726.

A ₹10,000 monthly SIP in PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹540,260 today. That's an XIRR (money-weighted annualised return) of -4.11%.

A ₹10,000 monthly SIP for 10 years in PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,355,195 (multiplier 1.13×). XIRR: 2.39%. 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 - Regular Plan - Dividend Option ranks #42 out of 43 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.19%; this fund delivered 0.05%.

The worst peak-to-trough decline PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option has experienced over the last 5-year window is 31.40% — 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 - Regular Plan - Dividend Option averaged 8.36% (best 14.17%, worst 0.05%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.34 — negative risk-adjusted performance.

In calendar year 2025, PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option returned -7.38% — lagging the ELSS category average of 1.23% by 8.61 pp. It ranked #48 of 49 in its category that year.

PGIM India ELSS Tax Saver Fund - Regular 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 - Regular 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: 31.4%. 5-year CAGR: 0.05%.

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