Should I invest in Tata ELSS Fund?

We don't give personal investment advice. Tata ELSS Fund- Direct Plan - Payout of IDCW Option 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: 19.7%. 5-year CAGR: 10.90%.

Tata

Tata ELSS Fund- Direct Plan - Payout of IDCW Option

Latest NAV

₹223.3216

As of

3 Jun 2026

3,300 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%	+0.12%	+0.14	27 / 76	Q2
1W	-1.36%	-1.31%	-0.04	36 / 76	Q2
2W	+0.09%	+0.08%	+0.01	27 / 76	Q2
1M	-1.21%	-0.99%	-0.23	27 / 76	Q2
3M	-4.58%	-0.23%	-4.34	63 / 76	Q4
6M	-6.32%	-4.25%	-2.07	50 / 76	Q3
YTD	-6.67%	-3.63%	-3.04	48 / 76	Q3
1Y	-0.37%	+1.70%	-2.06	24 / 76	Q2
2Y	+3.22%	+3.10%	+0.12	21 / 75	Q2
3Y	+12.50%	+10.95%	+1.55	29 / 75	Q2
4Y	+11.48%	+11.02%	+0.46	26 / 69	Q2
5Y	+10.90%	+10.65%	+0.25	27 / 65	Q2
7Y	+11.74%	+11.69%	+0.05	24 / 63	Q2
10Y	+10.84%	+10.10%	+0.74	11 / 46	Q1
Inception	+12.39%	+10.74%	+1.65	23 / 76	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	-6.67%	-5.99%	-0.68	42 / 70
2025	+4.01%	+2.19%	+1.82	18 / 70
2024	+18.34%	+16.51%	+1.83	21 / 70
2023	+22.32%	+24.04%	-1.72	34 / 68
2022	+3.20%	+1.46%	+1.74	21 / 65
2021	+26.45%	+33.28%	-6.82	51 / 68
2020	+13.35%	+13.91%	-0.56	33 / 68
2019	+13.94%	+5.99%	+7.95	7 / 66
2018	-14.20%	-7.59%	-6.62	41 / 56
2017	+32.26%	+29.87%	+2.38	16 / 50
2016	-0.78%	+1.05%	-1.84	36 / 46

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

+15.26%

152 windows

min -27.1% · max 77.4%

81% positive

3-Year rolling

+13.04%

127 windows

min -6.3% · max 27.0%

95% positive

5-Year rolling

+12.35%

103 windows

min -1.8% · max 21.1%

99% positive

7-Year rolling

+11.84%

79 windows

min 7.9% · max 15.8%

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

15.00%

3-year · annualised

Sharpe ratio

0.43

vs risk-free 6.5%

Sortino ratio

0.62

Downside-only deviation

Max drawdown

-19.26%

Sep 2024 → Apr 2025

% positive months

72.2%

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 - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹223.3216
2 Jun 2026	₹223.3799
1 Jun 2026	₹222.8120
29 May 2026	₹225.1092
27 May 2026	₹227.8090
26 May 2026	₹226.4489
25 May 2026	₹226.8323
22 May 2026	₹224.3496
21 May 2026	₹224.3168
20 May 2026	₹223.7952

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 Tata ELSS Fund- Direct Plan - Payout of IDCW Option is ₹223.3216. It's a ELSS from Tata, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata ELSS Fund- Direct Plan - Payout of IDCW Option 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.

Tata ELSS Fund- Direct Plan - Payout of IDCW Option is managed by Tata. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata ELSS Fund- Direct Plan - Payout of IDCW Option has delivered a absolute return of -0.37% — -2.06 pp behind the ELSS category average of 1.70%. The fund ranks #24 of 76 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata ELSS Fund- Direct Plan - Payout of IDCW Option has delivered a CAGR of 12.50% — +1.55 pp ahead of the ELSS category average of 10.95%. The fund ranks #29 of 75 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata ELSS Fund- Direct Plan - Payout of IDCW Option has delivered a CAGR of 10.90% — +0.25 pp ahead of the ELSS category average of 10.65%. The fund ranks #27 of 65 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata ELSS Fund- Direct Plan - Payout of IDCW Option exactly 10 years ago would be worth approximately ₹279,808 today — a multiplier of 2.80×, based on the 10-year CAGR of 10.84%. The category average over the same window would have grown ₹1 lakh to ₹261,744.

A ₹10,000 monthly SIP in Tata ELSS Fund- Direct Plan - Payout of IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹748,470 today. That's an XIRR (money-weighted annualised return) of 8.77%.

A ₹10,000 monthly SIP for 10 years in Tata ELSS Fund- Direct Plan - Payout of IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,143,069 (multiplier 1.79×). XIRR: 11.16%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata ELSS Fund- Direct Plan - Payout of IDCW Option ranks #27 out of 65 funds in the ELSS category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.65%; this fund delivered 10.90%.

The worst peak-to-trough decline Tata ELSS Fund- Direct Plan - Payout of IDCW Option has experienced over the last 5-year window is 19.70% — 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, Tata ELSS Fund- Direct Plan - Payout of IDCW Option averaged 12.35% (best 21.12%, worst -1.84%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2025, Tata ELSS Fund- Direct Plan - Payout of IDCW Option returned 4.01% — beating the ELSS category average of 2.19% by 1.82 pp. It ranked #18 of 70 in its category that year.

Tata ELSS Fund- Direct Plan - Payout of IDCW Option 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. Tata ELSS Fund- Direct Plan - Payout of IDCW Option 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: 19.7%. 5-year CAGR: 10.90%.

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