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: 10.13%.

PGIM India

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

Latest NAV

₹34.4500

As of

17 Jul 2026

2,610 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	+0.41%	+0.04%	+0.37	10 / 39	Q2
1W	+0.06%	-0.11%	+0.17	16 / 39	Q2
2W	+0.32%	+0.32%	0.00	16 / 39	Q2
1M	+2.04%	+1.31%	+0.73	11 / 39	Q2
3M	+4.65%	+3.44%	+1.21	15 / 39	Q2
6M	+0.38%	+3.63%	-3.25	25 / 39	Q3
YTD	-1.57%	+3.50%	-5.08	26 / 39	Q3
1Y	-2.21%	+8.03%	-10.24	27 / 39	Q3
2Y	+0.70%	+4.68%	-3.97	24 / 38	Q3
3Y	+8.00%	+13.16%	-5.17	34 / 38	Q4
4Y	+11.35%	+14.96%	-3.62	24 / 31	Q4
5Y	+10.14%	+13.65%	-3.52	24 / 27	Q4
7Y	+13.54%	+16.74%	-3.20	19 / 25	Q4
10Y	+12.26%	+13.24%	-0.99	5 / 8	Q3
Inception	+12.37%	+12.99%	-0.62	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	-1.57%	-0.01%	-1.56	21 / 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

+14.70%

117 windows

min -24.0% · max 68.3%

83% positive

3-Year rolling

+14.07%

93 windows

min -4.1% · max 33.3%

96% positive

5-Year rolling

+15.47%

69 windows

min 10.1% · max 26.6%

100% positive

7-Year rolling

+13.85%

44 windows

min 11.6% · max 16.2%

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

12.72%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.26

Downside-only deviation

Max drawdown

-17.89%

Sep 2024 → Mar 2026

% positive months

52.8%

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	₹47.5639	17 Jul 2026
Quantum ELSS Tax Saver Fund - Regular Plan Growth Option	Quantum	₹119.4900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option	Motilal Oswal	₹54.9959	17 Jul 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	Mirae Asset	₹50.5940	17 Jul 2026
Parag Parikh ELSS Tax Saver Fund- Regular Growth	Parag Parikh	₹29.6471	17 Jul 2026
HSBC ELSS Tax saver Fund - Regular Growth	HSBC	₹139.9704	17 Jul 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund - Regular - Growth Option	Baroda BNP Paribas	₹99.2178	17 Jul 2026
Axis ELSS Tax Saver Fund - Regular Plan - Growth	Axis	₹96.5764	17 Jul 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	360 ONE	₹13.6989	17 Jul 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - GROWTH	Bajaj Finserv	₹11.5980	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹34.4500
16 Jul 2026	₹34.3100
15 Jul 2026	₹34.3200
14 Jul 2026	₹34.2200
13 Jul 2026	₹34.4000
10 Jul 2026	₹34.4300
9 Jul 2026	₹34.1300
8 Jul 2026	₹33.8200
7 Jul 2026	₹34.4500
6 Jul 2026	₹34.5300

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 17 Jul 2026, the NAV of PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option is ₹34.4500. 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 7 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 -2.21% — -10.24 pp behind the ELSS category average of 8.03%. The fund ranks #27 of 39 in its category — the third (Q3) quartile.

Over the trailing 3-year window, PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option has delivered a CAGR of 8.00% — -5.17 pp behind the ELSS category average of 13.16%. The fund ranks #34 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 10.14% — -3.52 pp behind the ELSS category average of 13.65%. 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 ₹317,805 today — a multiplier of 3.18×, based on the 10-year CAGR of 12.26%. The category average over the same window would have grown ₹1 lakh to ₹346,877.

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 ₹735,714 today. That's an XIRR (money-weighted annualised return) of 8.09%.

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 ₹2,254,516 (multiplier 1.88×). XIRR: 12.11%. 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 13.65%; this fund delivered 10.13%.

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 15.47% (best 26.64%, worst 10.13%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.29 — 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: 10.13%.

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