Should I invest in Shriram ELSS Tax Saver Fund - Regular?

We don't give personal investment advice. Shriram ELSS Tax Saver Fund - Regular-IDCW 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: 24.0%. 5-year CAGR: 8.02%.

Shriram

Shriram ELSS Tax Saver Fund - Regular-IDCW

Latest NAV

₹20.0625

As of

3 Jun 2026

1,803 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.

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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	+0.28%	+0.08%	+0.19	19 / 54	Q2
1W	-1.36%	-1.32%	-0.04	28 / 54	Q3
2W	+0.53%	-0.04%	+0.57	14 / 54	Q2
1M	-0.77%	-1.07%	+0.31	14 / 54	Q2
3M	-2.18%	+0.01%	-2.19	39 / 54	Q3
6M	-6.70%	-3.68%	-3.02	41 / 54	Q4
YTD	-6.88%	-2.63%	-4.26	39 / 54	Q3
1Y	-2.21%	+2.41%	-4.62	22 / 54	Q2
2Y	-6.14%	+3.07%	-9.21	49 / 53	Q4
3Y	+8.09%	+9.94%	-1.84	29 / 53	Q3
4Y	+8.53%	+10.02%	-1.48	23 / 47	Q2
5Y	+8.02%	+10.19%	-2.17	22 / 43	Q3
7Y	+9.47%	+11.33%	-1.86	18 / 41	Q2
10Y	—	—	—	—	—
Inception	+9.98%	+9.79%	+0.19	22 / 54	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	-6.88%	-5.69%	-1.19	34 / 49
2025	-5.91%	+1.23%	-7.14	47 / 49
2024	+16.44%	+14.62%	+1.81	15 / 49
2023	+24.45%	+22.73%	+1.72	17 / 47
2022	+2.11%	+0.57%	+1.55	14 / 43
2021	+18.48%	+33.70%	-15.23	41 / 46
2020	+15.70%	+14.03%	+1.67	18 / 46
2019	—	—	—	—

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

+12.48%

78 windows

min -18.8% · max 53.2%

71% positive

3-Year rolling

+13.17%

53 windows

min 7.3% · max 20.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+13.87%

29 windows

min 7.8% · max 18.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+9.93%

5 windows

min 8.8% · max 10.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

15.53%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.23

Downside-only deviation

Max drawdown

-23.97%

Oct 2024 → Feb 2025

% positive months

66.7%

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
SBI Long Term Advantage Fund - Series IV - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹38.4097	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan IDCW	Quantum	₹114.6800	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - IDCW	Mirae Asset	₹21.5970	3 Jun 2026
HSBC ELSS Tax saver Fund - Regular IDCW Payout	HSBC	₹25.8533	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund- Regular - IDCW Option	Baroda BNP Paribas	₹20.8212	3 Jun 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Dividend Option	PGIM India	₹15.4900	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - IDCW	Axis	₹22.2921	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - IDCW Payout	360 ONE	₹13.1353	3 Jun 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - IDCW	Bajaj Finserv	₹11.0910	3 Jun 2026
BANK OF INDIA Mid Cap Tax Fund Series 1 Regular Plan IDCW	Bank of India	₹28.1500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.0625
2 Jun 2026	₹20.1054
1 Jun 2026	₹20.0498
29 May 2026	₹20.1743
27 May 2026	₹20.3989
26 May 2026	₹20.3824
22 May 2026	₹20.1083
21 May 2026	₹20.0586
20 May 2026	₹20.0360
19 May 2026	₹19.9985

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 Shriram ELSS Tax Saver Fund - Regular-IDCW is ₹20.0625. It's a ELSS from Shriram, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Shriram ELSS Tax Saver Fund - Regular-IDCW has NAV history starting from 01 Feb 2019, a track record of about 7 years 4 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.

Shriram ELSS Tax Saver Fund - Regular-IDCW is managed by Shriram. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Shriram ELSS Tax Saver Fund - Regular-IDCW has delivered a absolute return of -2.21% — -4.62 pp behind the ELSS category average of 2.41%. The fund ranks #22 of 54 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Shriram ELSS Tax Saver Fund - Regular-IDCW has delivered a CAGR of 8.09% — -1.84 pp behind the ELSS category average of 9.94%. The fund ranks #29 of 53 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Shriram ELSS Tax Saver Fund - Regular-IDCW has delivered a CAGR of 8.02% — -2.17 pp behind the ELSS category average of 10.19%. The fund ranks #22 of 43 in its category — the third (Q3) quartile.

₹1 lakh invested in Shriram ELSS Tax Saver Fund - Regular-IDCW exactly 5 years ago would be worth approximately ₹147,054 today — a multiplier of 1.47×, based on the 5-year CAGR of 8.02%. The category average over the same window would have grown ₹1 lakh to ₹162,436.

A ₹10,000 monthly SIP in Shriram ELSS Tax Saver Fund - Regular-IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹677,213 today. That's an XIRR (money-weighted annualised return) of 4.78%.

Shriram ELSS Tax Saver Fund - Regular-IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,113,988 — XIRR 7.93%.

On a 5-year basis, Shriram ELSS Tax Saver Fund - Regular-IDCW ranks #22 out of 43 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 10.19%; this fund delivered 8.02%.

The worst peak-to-trough decline Shriram ELSS Tax Saver Fund - Regular-IDCW has experienced over the last 5-year window is 23.97% — its NAV fell from a high on 15 Oct 2024 to a low on 28 Feb 2025. 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, Shriram ELSS Tax Saver Fund - Regular-IDCW averaged 13.87% (best 18.46%, worst 7.77%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.17 — weak risk-adjusted performance.

In calendar year 2025, Shriram ELSS Tax Saver Fund - Regular-IDCW returned -5.91% — lagging the ELSS category average of 1.23% by 7.14 pp. It ranked #47 of 49 in its category that year.

Shriram ELSS Tax Saver Fund - Regular-IDCW 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. Shriram ELSS Tax Saver Fund - Regular-IDCW 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: 24.0%. 5-year CAGR: 8.02%.

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

Shriram ELSS Tax Saver Fund - Regular-IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in ELSS

Recent NAVs

Frequently asked questions

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