Should I invest in SBI ELSS Tax Saver FUND?

We don't give personal investment advice. SBI ELSS Tax Saver FUND - DIRECT 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: 16.7%. 5-year CAGR: 17.05%.

SBI

SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH

Latest NAV

₹458.2222

As of

3 Jun 2026

3,309 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	+0.25%	+0.24%	+0.01	30 / 59	Q3
1W	-1.49%	-1.27%	-0.21	23 / 59	Q2
2W	+0.10%	+0.30%	-0.20	28 / 59	Q2
1M	-1.41%	-0.87%	-0.54	31 / 59	Q3
3M	-3.56%	+0.83%	-4.39	47 / 59	Q4
6M	-5.70%	-2.14%	-3.56	36 / 59	Q3
YTD	-6.69%	-1.56%	-5.13	41 / 59	Q3
1Y	-1.57%	+5.96%	-7.53	38 / 59	Q3
2Y	+2.62%	+5.58%	-2.96	38 / 58	Q3
3Y	+19.27%	+14.58%	+4.69	4 / 58	Q1
4Y	+19.80%	+14.85%	+4.95	2 / 51	Q1
5Y	+17.05%	+14.46%	+2.59	11 / 47	Q1
7Y	+17.10%	+15.51%	+1.59	15 / 45	Q2
10Y	+14.98%	+14.50%	+0.48	10 / 27	Q2
Inception	+15.31%	+14.13%	+1.18	21 / 59	Q2

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	-6.69%	-4.44%	-2.25	35 / 53
2025	+7.18%	+3.70%	+3.48	16 / 53
2024	+28.03%	+20.13%	+7.90	6 / 53
2023	+40.65%	+30.82%	+9.82	7 / 51
2022	+7.58%	+3.78%	+3.81	8 / 47
2021	+31.05%	+39.32%	-8.27	38 / 50
2020	+19.24%	+18.42%	+0.82	17 / 50
2019	+4.26%	+6.48%	-2.22	33 / 47
2018	-7.22%	-7.38%	+0.16	24 / 37
2017	+32.82%	+38.27%	-5.45	24 / 31
2016	+2.16%	+5.54%	-3.39	20 / 27

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

+19.15%

152 windows

min -29.7% · max 81.2%

84% positive

3-Year rolling

+16.40%

127 windows

min -7.1% · max 31.4%

96% positive

5-Year rolling

+15.44%

103 windows

min -2.2% · max 30.1%

99% positive

7-Year rolling

+14.54%

79 windows

min 8.0% · max 19.8%

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

13.91%

3-year · annualised

Sharpe ratio

0.88

vs risk-free 6.5%

Sortino ratio

1.47

Downside-only deviation

Max drawdown

-15.85%

Sep 2024 → Apr 2025

% positive months

75.0%

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 ELSS Tax saver - Growth Option - Direct Plan	HDFC	₹1,421.3430	3 Jun 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹140.6038	3 Jun 2026
SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth	SBI	₹47.7700	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹990.7700	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹138.0800	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹173.1540	3 Jun 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹443.2149	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹66.4800	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹62.1822	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,537.4743	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹458.2222
2 Jun 2026	₹459.3911
1 Jun 2026	₹458.2480
31 May 2026	₹461.4458
29 May 2026	₹461.4666
27 May 2026	₹466.7005
26 May 2026	₹466.3341
25 May 2026	₹467.1687
22 May 2026	₹462.7335
21 May 2026	₹460.5666

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 SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH is ₹458.2222. It's a ELSS from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH has NAV history starting from 02 Jan 2013, a track record of about 13 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.

SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH is managed by SBI. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH has delivered a absolute return of -1.57% — -7.53 pp behind the ELSS category average of 5.96%. The fund ranks #38 of 59 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH has delivered a CAGR of 19.27% — +4.69 pp ahead of the ELSS category average of 14.58%. The fund ranks #4 of 58 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH has delivered a CAGR of 17.05% — +2.59 pp ahead of the ELSS category average of 14.46%. The fund ranks #11 of 47 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH exactly 10 years ago would be worth approximately ₹403,965 today — a multiplier of 4.04×, based on the 10-year CAGR of 14.98%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

A ₹10,000 monthly SIP in SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹872,292 today. That's an XIRR (money-weighted annualised return) of 14.94%.

A ₹10,000 monthly SIP for 10 years in SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,829,166 (multiplier 2.36×). XIRR: 16.35%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH ranks #11 out of 47 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.46%; this fund delivered 17.05%.

The worst peak-to-trough decline SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH has experienced over the last 5-year window is 16.67% — its NAV fell from a high on 12 Nov 2021 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, SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH averaged 15.44% (best 30.14%, worst -2.22%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.75 — reasonable risk-adjusted performance.

In calendar year 2025, SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH returned 7.18% — beating the ELSS category average of 3.70% by 3.48 pp. It ranked #16 of 53 in its category that year.

SBI ELSS Tax Saver FUND - DIRECT 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. SBI ELSS Tax Saver FUND - DIRECT 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: 16.7%. 5-year CAGR: 17.05%.

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