Should I invest in SBI ELSS Tax Saver FUND?

We don't give personal investment advice. SBI ELSS Tax Saver FUND - REGULAR 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: 17.0%. 5-year CAGR: 15.96%.

SBI

SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH

Latest NAV

₹431.7177

As of

24 Jul 2026

4,721 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	-0.17%	-2.26%	+2.09	55 / 90	Q3
1W	-2.01%	-4.09%	+2.09	70 / 87	Q4
2W	-1.87%	-4.51%	+2.64	59 / 87	Q3
1M	-1.28%	-5.21%	+3.94	52 / 87	Q3
3M	+1.28%	-3.51%	+4.79	46 / 87	Q3
6M	-0.55%	-0.11%	-0.44	51 / 89	Q3
YTD	-4.96%	-3.87%	-1.10	49 / 89	Q3
1Y	-2.38%	+1.67%	-4.05	48 / 87	Q3
2Y	+0.25%	-0.94%	+1.19	40 / 86	Q2
3Y	+15.60%	+5.34%	+10.26	8 / 81	Q1
4Y	+18.76%	+8.00%	+10.76	3 / 78	Q1
5Y	+15.96%	+6.78%	+9.17	3 / 77	Q1
7Y	+17.75%	+9.69%	+8.06	5 / 75	Q1
10Y	+13.90%	+7.87%	+6.04	12 / 69	Q1
Inception	+12.46%	+5.90%	+6.56	17 / 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	-4.96%	-4.60%	-0.36	25 / 47
2025	+6.51%	+1.54%	+4.97	9 / 47
2024	+27.17%	+18.17%	+9.00	6 / 47
2023	+39.65%	+23.46%	+16.20	1 / 49
2022	+6.93%	+0.75%	+6.18	7 / 52
2021	+30.24%	+28.91%	+1.33	26 / 54
2020	+18.51%	+11.40%	+7.11	13 / 56
2019	+3.65%	+2.03%	+1.62	30 / 59
2018	-7.93%	-9.68%	+1.75	28 / 61
2017	+31.94%	+29.95%	+1.99	33 / 65
2016	+1.54%	-0.31%	+1.85	33 / 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

+14.87%

222 windows

min -55.6% · max 99.9%

75% positive

3-Year rolling

+14.49%

198 windows

min -6.3% · max 29.8%

95% positive

5-Year rolling

+13.92%

174 windows

min -2.0% · max 32.1%

99% positive

7-Year rolling

+13.48%

149 windows

min 6.5% · max 21.8%

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

12.67%

3-year · annualised

Sharpe ratio

0.71

vs risk-free 6.5%

Sortino ratio

1.18

Downside-only deviation

Max drawdown

-16.13%

Sep 2024 → Apr 2025

% positive months

69.4%

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 Plan	HDFC	₹1,355.4920	24 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.2789	24 Jul 2026
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹87.5266	24 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Growth	ICICI Prudential	₹920.2700	24 Jul 2026
Quantum ELSS Tax Saver Fund - Direct Plan Growth Option	Quantum	₹124.5200	24 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.0961	24 Jul 2026
Franklin India ELSS Tax Saver Fund - IDCW	Franklin Templeton	₹59.4311	24 Jul 2026
Kotak ELSS Tax Saver Fund-Growth	Kotak Mahindra	₹115.0200	24 Jul 2026
Edelweiss ELSS Tax Saver Fund - Regular Plan - Growth Option	Edelweiss	₹113.4400	24 Jul 2026
DSP ELSS Tax Saver Fund - Regular Plan - Growth	DSP BlackRock	₹136.6760	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹431.7177
23 Jul 2026	₹432.4510
22 Jul 2026	₹435.2016
21 Jul 2026	₹440.0999
20 Jul 2026	₹440.3130
17 Jul 2026	₹440.5506
16 Jul 2026	₹439.0219
15 Jul 2026	₹439.2583
14 Jul 2026	₹438.1077
13 Jul 2026	₹440.8351

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 24 Jul 2026, the NAV of SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH is ₹431.7177. It's a ELSS from SBI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH has NAV history starting from 07 May 2007, a track record of about 19 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.

SBI ELSS Tax Saver FUND - REGULAR 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 - REGULAR PLAN- GROWTH has delivered a absolute return of -2.38% — -4.05 pp behind the ELSS category average of 1.67%. The fund ranks #48 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH has delivered a CAGR of 15.60% — +10.26 pp ahead of the ELSS category average of 5.34%. The fund ranks #8 of 81 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH has delivered a CAGR of 15.96% — +9.17 pp ahead of the ELSS category average of 6.78%. The fund ranks #3 of 77 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH exactly 10 years ago would be worth approximately ₹367,606 today — a multiplier of 3.68×, based on the 10-year CAGR of 13.90%. The category average over the same window would have grown ₹1 lakh to ₹213,276.

A ₹10,000 monthly SIP in SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹859,861 today. That's an XIRR (money-weighted annualised return) of 14.37%.

A ₹10,000 monthly SIP for 10 years in SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,746,885 (multiplier 2.29×). XIRR: 15.80%. 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 - REGULAR PLAN- GROWTH ranks #3 out of 77 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.78%; this fund delivered 15.96%.

The worst peak-to-trough decline SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH has experienced over the last 5-year window is 16.98% — 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 - REGULAR PLAN- GROWTH averaged 13.92% (best 32.08%, worst -1.97%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2025, SBI ELSS Tax Saver FUND - REGULAR PLAN- GROWTH returned 6.51% — beating the ELSS category average of 1.54% by 4.97 pp. It ranked #9 of 47 in its category that year.

SBI ELSS Tax Saver FUND - REGULAR 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 - REGULAR 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: 17.0%. 5-year CAGR: 15.96%.

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