Should I invest in Reliance Tax Saver (ELSS) Fund?

We don't give personal investment advice. Reliance Tax Saver (ELSS) Fund-Dividend 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: 48.5%. 5-year CAGR: 8.25%.

Reliance

Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option

Latest NAV

₹33.0767

As of

3 Jun 2026

4,963 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	+0.15%	-2.11%	+2.26	31 / 90	Q2
1W	-1.96%	-4.12%	+2.15	70 / 87	Q4
2W	-0.71%	-3.75%	+3.03	64 / 87	Q3
1M	-1.18%	-5.60%	+4.43	32 / 87	Q2
3M	-0.13%	-5.40%	+5.27	26 / 87	Q2
6M	-9.29%	-3.98%	-5.32	72 / 89	Q4
YTD	-8.64%	-5.20%	-3.44	66 / 89	Q3
1Y	-5.83%	+1.41%	-7.24	63 / 87	Q3
2Y	-4.33%	-0.15%	-4.18	68 / 86	Q4
3Y	+7.59%	+6.12%	+1.47	58 / 81	Q3
4Y	+8.17%	+7.91%	+0.26	54 / 78	Q3
5Y	+8.25%	+6.94%	+1.31	53 / 77	Q3
7Y	+7.94%	+8.75%	-0.82	55 / 75	Q3
10Y	+5.52%	+8.10%	-2.59	56 / 69	Q4
Inception	+4.50%	+5.86%	-1.36	65 / 91	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	-8.64%	-7.12%	-1.51	31 / 47
2025	-1.95%	+1.54%	-3.49	38 / 47
2024	+8.98%	+18.17%	-9.20	42 / 47
2023	+24.33%	+23.46%	+0.88	25 / 49
2022	+6.91%	+0.75%	+6.16	12 / 52
2021	+36.84%	+28.91%	+7.93	7 / 54
2020	-1.56%	+11.40%	-12.96	52 / 56
2019	+0.02%	+2.03%	-2.01	42 / 59
2018	-26.49%	-9.68%	-16.82	60 / 61
2017	+30.49%	+29.95%	+0.53	35 / 65
2016	-5.56%	-0.31%	-5.25	54 / 70

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

+8.76%

234 windows

min -53.5% · max 97.0%

54% positive

3-Year rolling

+6.41%

210 windows

min -19.7% · max 29.6%

72% positive

5-Year rolling

+5.88%

185 windows

min -13.4% · max 21.8%

79% positive

7-Year rolling

+5.09%

161 windows

min -2.8% · max 14.0%

93% positive

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

13.96%

3-year · annualised

Sharpe ratio

0.13

vs risk-free 6.5%

Sortino ratio

0.19

Downside-only deviation

Max drawdown

-48.49%

Sep 2024 → Apr 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 TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹33.0767
2 Jun 2026	₹33.1145
1 Jun 2026	₹33.0656
29 May 2026	₹33.4386
27 May 2026	₹33.8574
26 May 2026	₹33.7770
25 May 2026	₹33.8667
22 May 2026	₹33.5734
21 May 2026	₹33.4424
20 May 2026	₹33.3836

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 Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option is ₹33.0767. It's a ELSS from Reliance, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option is managed by Reliance. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option has delivered a absolute return of -5.83% — -7.24 pp behind the ELSS category average of 1.41%. The fund ranks #63 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option has delivered a CAGR of 7.59% — +1.47 pp ahead of the ELSS category average of 6.12%. The fund ranks #58 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option has delivered a CAGR of 8.25% — +1.31 pp ahead of the ELSS category average of 6.94%. The fund ranks #53 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option exactly 10 years ago would be worth approximately ₹171,104 today — a multiplier of 1.71×, based on the 10-year CAGR of 5.52%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹666,570 today. That's an XIRR (money-weighted annualised return) of 4.15%.

A ₹10,000 monthly SIP for 10 years in Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,721,089 (multiplier 1.43×). XIRR: 7.01%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option ranks #53 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.94%; this fund delivered 8.25%.

The worst peak-to-trough decline Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option has experienced over the last 5-year window is 48.49% — its NAV fell from a high on 26 Sep 2024 to a low on 01 Apr 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, Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option averaged 5.88% (best 21.77%, worst -13.41%). 79% of rolling windows ended positive. The 5-year Sharpe ratio is 0.18 — weak risk-adjusted performance.

In calendar year 2025, Reliance Tax Saver (ELSS) Fund-Dividend Plan-Dividend Option returned -1.95% — lagging the ELSS category average of 1.54% by 3.49 pp. It ranked #38 of 47 in its category that year.

Reliance Tax Saver (ELSS) Fund-Dividend 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. Reliance Tax Saver (ELSS) Fund-Dividend 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: 48.5%. 5-year CAGR: 8.25%.

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