Should I invest in Religare Tax Plan?

We don't give personal investment advice. Religare Tax Plan - Growth 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: 23.0%. 5-year CAGR: 10.07%.

Religare

Religare Tax Plan - Growth

Latest NAV

₹124.0100

As of

17 Jul 2026

4,798 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.34%	-1.95%	+2.29	37 / 90	Q2
1W	-0.32%	-3.22%	+2.90	69 / 87	Q4
2W	+0.26%	-3.57%	+3.83	41 / 87	Q2
1M	+3.07%	-3.98%	+7.04	8 / 87	Q1
3M	+5.77%	-3.29%	+9.05	12 / 87	Q1
6M	+1.51%	-1.04%	+2.54	32 / 89	Q2
YTD	-0.85%	-3.07%	+2.22	32 / 89	Q2
1Y	-3.52%	+2.32%	-5.84	58 / 87	Q3
2Y	-0.21%	-0.75%	+0.55	43 / 86	Q2
3Y	+12.01%	+5.77%	+6.23	36 / 81	Q2
4Y	+14.28%	+8.62%	+5.66	26 / 78	Q2
5Y	+10.07%	+7.06%	+3.01	45 / 77	Q3
7Y	+14.12%	+9.74%	+4.38	22 / 75	Q2
10Y	+12.77%	+8.09%	+4.68	17 / 69	Q1
Inception	+13.67%	+5.96%	+7.71	13 / 91	Q1

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	-0.85%	-3.09%	+2.24	14 / 47
2025	-3.67%	+1.54%	-5.21	41 / 47
2024	+25.11%	+18.17%	+6.94	8 / 47
2023	+30.23%	+23.46%	+6.78	8 / 49
2022	-7.65%	+0.75%	-8.40	49 / 52
2021	+32.34%	+28.91%	+3.43	20 / 54
2020	+19.16%	+11.40%	+7.76	8 / 56
2019	+9.08%	+2.03%	+7.05	15 / 59
2018	-0.51%	-9.68%	+9.17	8 / 61
2017	+34.25%	+29.95%	+4.30	26 / 65
2016	+3.16%	-0.31%	+3.47	20 / 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

+16.55%

226 windows

min -49.7% · max 112.5%

77% positive

3-Year rolling

+15.55%

202 windows

min -0.6% · max 32.6%

99% positive

5-Year rolling

+15.03%

178 windows

min 3.0% · max 25.4%

100% positive

7-Year rolling

+15.14%

153 windows

min 10.6% · max 23.9%

100% 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

15.62%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.62

Downside-only deviation

Max drawdown

-21.70%

Dec 2024 → Mar 2026

% positive months

58.3%

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	₹66.8780	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.5675	17 Jul 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹89.3173	17 Jul 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹28.9500	17 Jul 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹125.9300	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.3525	17 Jul 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹60.8511	17 Jul 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹43.8620	17 Jul 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹30.8300	17 Jul 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹22.3070	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹124.0100
16 Jul 2026	₹123.5900
15 Jul 2026	₹124.0000
14 Jul 2026	₹123.4400
13 Jul 2026	₹124.2400
10 Jul 2026	₹124.4100
9 Jul 2026	₹123.0500
8 Jul 2026	₹121.7400
7 Jul 2026	₹124.3500
6 Jul 2026	₹124.3500

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 Religare Tax Plan - Growth is ₹124.0100. It's a ELSS from Religare, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare Tax Plan - Growth has NAV history starting from 02 Jan 2007, a track record of about 19 years 6 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.

Religare Tax Plan - Growth is managed by Religare. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Religare Tax Plan - Growth has delivered a absolute return of -3.52% — -5.84 pp behind the ELSS category average of 2.32%. The fund ranks #58 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Religare Tax Plan - Growth has delivered a CAGR of 12.01% — +6.23 pp ahead of the ELSS category average of 5.77%. The fund ranks #36 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Religare Tax Plan - Growth has delivered a CAGR of 10.07% — +3.01 pp ahead of the ELSS category average of 7.06%. The fund ranks #45 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in Religare Tax Plan - Growth exactly 10 years ago would be worth approximately ₹332,466 today — a multiplier of 3.32×, based on the 10-year CAGR of 12.77%. The category average over the same window would have grown ₹1 lakh to ₹217,608.

A ₹10,000 monthly SIP in Religare Tax Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹770,378 today. That's an XIRR (money-weighted annualised return) of 9.93%.

A ₹10,000 monthly SIP for 10 years in Religare Tax Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,311,286 (multiplier 1.93×). XIRR: 12.58%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare Tax Plan - Growth ranks #45 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 7.06%; this fund delivered 10.07%.

The worst peak-to-trough decline Religare Tax Plan - Growth has experienced over the last 5-year window is 22.97% — 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, Religare Tax Plan - Growth averaged 15.03% (best 25.41%, worst 3.01%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.26 — weak risk-adjusted performance.

In calendar year 2025, Religare Tax Plan - Growth returned -3.67% — lagging the ELSS category average of 1.54% by 5.21 pp. It ranked #41 of 47 in its category that year.

Religare Tax Plan - Growth 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. Religare Tax Plan - Growth 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: 23.0%. 5-year CAGR: 10.07%.

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