Should I invest in SaharaTax Gain?

We don't give personal investment advice. SaharaTax Gain-Dividend 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: 35.1%. 5-year CAGR: -2.28%.

Sahara

SaharaTax Gain-Dividend

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	-0.08%	-2.41%	+2.33	41 / 90	Q2
1W	-0.14%	-3.61%	+3.47	37 / 87	Q2
2W	-8.60%	-5.04%	-3.57	83 / 87	Q4
1M	-30.01%	-5.87%	-24.14	84 / 87	Q4
3M	-32.34%	-4.32%	-28.03	83 / 87	Q4
6M	-25.18%	-3.69%	-21.48	85 / 89	Q4
YTD	-32.01%	-5.59%	-26.42	85 / 89	Q4
1Y	-28.40%	-0.02%	-28.37	84 / 87	Q4
2Y	-14.33%	-0.43%	-13.90	81 / 86	Q4
3Y	-8.30%	+5.76%	-14.06	76 / 81	Q4
4Y	-1.50%	+8.15%	-9.65	76 / 78	Q4
5Y	-2.28%	+6.68%	-8.96	75 / 77	Q4
7Y	+1.19%	+8.80%	-7.61	73 / 75	Q4
10Y	-1.65%	+8.08%	-9.74	68 / 69	Q4
Inception	-2.44%	+5.83%	-8.27	86 / 91	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
2020 YTD	-32.01%	+11.40%	-43.41	56 / 56
2019	+9.73%	+2.03%	+7.70	12 / 59
2018	-7.79%	-9.68%	+1.89	27 / 61
2017	+29.60%	+29.95%	-0.36	39 / 65
2016	-0.12%	-0.31%	+0.19	36 / 70
2015	-17.81%	-1.16%	-16.65	24 / 24
2014	+20.62%	+42.05%	-21.43	27 / 27
2013	-9.85%	+2.38%	-12.24	25 / 27
2012	+32.51%	+28.66%	+3.84	6 / 27
2011	-34.81%	-28.62%	-6.18	22 / 25
2010	-5.79%	+14.25%	-20.04	29 / 30

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

+4.66%

159 windows

min -67.5% · max 97.1%

53% positive

3-Year rolling

+0.81%

135 windows

min -18.4% · max 15.6%

59% positive

5-Year rolling

+0.02%

110 windows

min -12.2% · max 8.8%

53% positive

7-Year rolling

+0.15%

86 windows

min -8.2% · max 6.4%

56% 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

22.21%

3-year · annualised

Sharpe ratio

-0.55

vs risk-free 6.5%

Sortino ratio

-0.61

Downside-only deviation

Max drawdown

-35.06%

Feb 2020 → Mar 2020

% positive months

50.0%

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	₹63.4980	11 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.7041	11 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.4851	11 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.0700	11 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹119.6200	11 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.0447	11 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.2961	11 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹40.8380	11 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹28.9200	11 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1670	11 Jun 2026

Recent NAVs

Date	NAV
3 Apr 2020	₹12.6247
1 Apr 2020	₹12.6351
31 Mar 2020	₹12.6454
30 Mar 2020	₹12.6375
27 Mar 2020	₹12.6421
26 Mar 2020	₹12.6392
25 Mar 2020	₹12.6388
24 Mar 2020	₹12.6214
23 Mar 2020	₹12.6077
20 Mar 2020	₹13.8128

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.

SaharaTax Gain-Dividend is a ELSS from Sahara (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

SaharaTax Gain-Dividend 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.

SaharaTax Gain-Dividend is managed by Sahara. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SaharaTax Gain-Dividend has delivered a absolute return of -28.40% — -28.37 pp behind the ELSS category average of -0.02%. The fund ranks #84 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SaharaTax Gain-Dividend has delivered a CAGR of -8.30% — -14.06 pp behind the ELSS category average of 5.76%. The fund ranks #76 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SaharaTax Gain-Dividend has delivered a CAGR of -2.28% — -8.96 pp behind the ELSS category average of 6.68%. The fund ranks #75 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in SaharaTax Gain-Dividend exactly 10 years ago would be worth approximately ₹84,637 today — a multiplier of 0.85×, based on the 10-year CAGR of -1.65%. The category average over the same window would have grown ₹1 lakh to ₹217,576.

A ₹10,000 monthly SIP in SaharaTax Gain-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹476,208 today. That's an XIRR (money-weighted annualised return) of -9.02%.

A ₹10,000 monthly SIP for 10 years in SaharaTax Gain-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,007,790 (multiplier 0.84×). XIRR: -3.50%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SaharaTax Gain-Dividend ranks #75 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.68%; this fund delivered -2.28%.

The worst peak-to-trough decline SaharaTax Gain-Dividend has experienced over the last 5-year window is 35.06% — its NAV fell from a high on 12 Feb 2020 to a low on 23 Mar 2020. 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, SaharaTax Gain-Dividend averaged 0.02% (best 8.79%, worst -12.16%). 53% of rolling windows ended positive. The 5-year Sharpe ratio is -0.33 — negative risk-adjusted performance.

In calendar year 2019, SaharaTax Gain-Dividend returned 9.73% — beating the ELSS category average of 2.03% by 7.70 pp. It ranked #12 of 59 in its category that year.

SaharaTax Gain-Dividend 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. SaharaTax Gain-Dividend 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: 35.1%. 5-year CAGR: -2.28%.

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