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 - 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: 17.9%. 5-year CAGR: 9.45%.

PGIM India

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

Latest NAV

₹32.4100

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	+0.62%	+0.26%	+0.36	9 / 39	Q1
1W	-1.37%	-1.20%	-0.17	15 / 39	Q2
2W	-0.03%	+0.29%	-0.32	23 / 39	Q3
1M	-1.55%	-0.80%	-0.75	25 / 39	Q3
3M	-1.55%	+1.50%	-3.05	25 / 39	Q3
6M	-8.17%	-1.37%	-6.80	32 / 39	Q4
YTD	-7.23%	-0.13%	-7.10	30 / 39	Q4
1Y	-5.09%	+7.59%	-12.68	34 / 39	Q4
2Y	+1.75%	+5.80%	-4.05	25 / 38	Q3
3Y	+7.92%	+13.52%	-5.60	37 / 38	Q4
4Y	+9.70%	+13.95%	-4.25	27 / 31	Q4
5Y	+9.45%	+14.19%	-4.73	24 / 27	Q4
7Y	+11.88%	+15.05%	-3.17	20 / 25	Q4
10Y	+12.17%	+13.26%	-1.09	5 / 8	Q3
Inception	+11.89%	+12.52%	-0.63	24 / 39	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	-7.23%	-4.18%	-3.05	25 / 34
2025	+1.33%	+2.03%	-0.70	20 / 34
2024	+15.75%	+18.62%	-2.87	19 / 34
2023	+18.79%	+30.88%	-12.08	31 / 32
2022	+4.68%	+2.53%	+2.14	9 / 27
2021	+36.67%	+41.08%	-4.41	15 / 30
2020	+17.48%	+17.81%	-0.32	14 / 30
2019	+7.88%	+3.04%	+4.83	11 / 27
2018	-5.84%	-11.14%	+5.30	7 / 18
2017	+37.74%	+37.20%	+0.54	6 / 11
2016	+0.68%	+6.47%	-5.79	6 / 7

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

+14.54%

116 windows

min -28.9% · max 83.1%

84% positive

3-Year rolling

+13.66%

92 windows

min -6.1% · max 31.2%

97% positive

5-Year rolling

+15.45%

67 windows

min 9.5% · max 23.6%

100% positive

7-Year rolling

+13.83%

43 windows

min 11.2% · max 15.9%

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

13.29%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

0.23

Downside-only deviation

Max drawdown

-17.89%

Sep 2024 → Mar 2026

% 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 - Growth	SBI	₹45.3372	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan Growth Option	Quantum	₹115.4600	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option	Motilal Oswal	₹53.7245	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	Mirae Asset	₹48.1190	3 Jun 2026
Parag Parikh ELSS Tax Saver Fund- Regular Growth	Parag Parikh	₹28.8835	3 Jun 2026
HSBC ELSS Tax saver Fund - Regular Growth	HSBC	₹134.2196	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund - Regular - Growth Option	Baroda BNP Paribas	₹94.7276	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - Growth	Axis	₹91.0469	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	360 ONE	₹13.1353	3 Jun 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - GROWTH	Bajaj Finserv	₹11.0910	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹32.4100
2 Jun 2026	₹32.4700
1 Jun 2026	₹32.2700
29 May 2026	₹32.5400
27 May 2026	₹32.9300
26 May 2026	₹32.9200
25 May 2026	₹33.0200
22 May 2026	₹32.6400
21 May 2026	₹32.6100
20 May 2026	₹32.5500

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 - Growth Option is ₹32.4100. It's a ELSS from PGIM India, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India ELSS Tax Saver Fund - Regular 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of -5.09% — -12.68 pp behind the ELSS category average of 7.59%. The fund ranks #34 of 39 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option has delivered a CAGR of 7.92% — -5.6 pp behind the ELSS category average of 13.52%. The fund ranks #37 of 38 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option has delivered a CAGR of 9.45% — -4.73 pp behind the ELSS category average of 14.19%. The fund ranks #24 of 27 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹315,241 today — a multiplier of 3.15×, based on the 10-year CAGR of 12.17%. The category average over the same window would have grown ₹1 lakh to ₹347,241.

A ₹10,000 monthly SIP in PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹703,632 today. That's an XIRR (money-weighted annualised return) of 6.30%.

A ₹10,000 monthly SIP for 10 years in PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,154,308 (multiplier 1.80×). XIRR: 11.26%. 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 - Growth Option ranks #24 out of 27 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.19%; this fund delivered 9.45%.

The worst peak-to-trough decline PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 17.89% — its NAV fell from a high on 23 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, PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option averaged 15.45% (best 23.62%, worst 9.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.27 — weak risk-adjusted performance.

In calendar year 2025, PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option returned 1.33% — lagging the ELSS category average of 2.03% by 0.70 pp. It ranked #20 of 34 in its category that year.

PGIM India ELSS Tax Saver Fund - Regular 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 - Regular 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: 17.9%. 5-year CAGR: 9.45%.

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