Should I invest in Tata ELSS Fund?

We don't give personal investment advice. Tata ELSS Fund-Growth-Direct Plan 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: 18.5%. 5-year CAGR: 14.37%.

Tata

Tata ELSS Fund-Growth-Direct Plan

Latest NAV

₹53.8636

As of

17 Jul 2026

2,893 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	+0.26%	+0.16%	+0.10	31 / 59	Q3
1W	-0.20%	+0.01%	-0.21	38 / 59	Q3
2W	+0.39%	+0.41%	-0.02	25 / 59	Q2
1M	+1.24%	+1.60%	-0.36	39 / 59	Q3
3M	+3.16%	+3.41%	-0.25	28 / 59	Q2
6M	+3.09%	+3.24%	-0.15	21 / 59	Q2
YTD	+1.08%	+2.42%	-1.34	23 / 59	Q2
1Y	+4.96%	+6.87%	-1.90	16 / 59	Q2
2Y	+4.21%	+4.51%	-0.30	19 / 58	Q2
3Y	+14.14%	+14.16%	-0.01	31 / 58	Q3
4Y	+16.47%	+15.94%	+0.52	22 / 51	Q2
5Y	+14.37%	+14.21%	+0.15	19 / 47	Q2
7Y	+15.89%	+17.19%	-1.29	28 / 45	Q3
10Y	+14.86%	+14.50%	+0.36	11 / 27	Q2
Inception	+15.40%	+14.54%	+0.87	24 / 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	+1.08%	-0.01%	+1.09	18 / 53
2025	+5.86%	+3.70%	+2.15	19 / 53
2024	+20.60%	+20.13%	+0.47	23 / 53
2023	+24.86%	+30.82%	-5.96	38 / 51
2022	+7.17%	+3.78%	+3.39	10 / 47
2021	+31.74%	+39.32%	-7.58	37 / 50
2020	+13.37%	+18.42%	-5.05	40 / 50
2019	+15.07%	+6.48%	+8.59	6 / 47
2018	-7.14%	-7.38%	+0.24	22 / 37
2017	+46.47%	+38.27%	+8.20	5 / 31
2016	+2.22%	+5.54%	-3.32	19 / 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

+16.33%

132 windows

min -22.2% · max 60.1%

88% positive

3-Year rolling

+16.06%

107 windows

min -1.7% · max 31.1%

99% positive

5-Year rolling

+15.72%

83 windows

min 5.1% · max 26.9%

100% positive

7-Year rolling

+15.57%

59 windows

min 13.3% · max 18.0%

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

13.42%

3-year · annualised

Sharpe ratio

0.58

vs risk-free 6.5%

Sortino ratio

0.98

Downside-only deviation

Max drawdown

-18.51%

Sep 2024 → Mar 2025

% positive months

63.9%

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	₹1,497.0580	17 Jul 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹144.8728	17 Jul 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹479.1199	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹1,043.9300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹148.3100	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹179.3500	17 Jul 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹460.9956	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹69.9900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹63.7427	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,617.9351	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹53.8636
16 Jul 2026	₹53.7230
15 Jul 2026	₹53.8213
14 Jul 2026	₹53.6510
13 Jul 2026	₹53.9601
10 Jul 2026	₹53.9710
9 Jul 2026	₹53.4143
8 Jul 2026	₹52.7859
7 Jul 2026	₹53.7455
6 Jul 2026	₹53.9968

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 17 Jul 2026, the NAV of Tata ELSS Fund-Growth-Direct Plan is ₹53.8636. It's a ELSS from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata ELSS Fund-Growth-Direct Plan has NAV history starting from 14 Oct 2014, a track record of about 11 years 9 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-Growth-Direct Plan 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-Growth-Direct Plan has delivered a absolute return of 4.96% — -1.9 pp behind the ELSS category average of 6.87%. The fund ranks #16 of 59 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata ELSS Fund-Growth-Direct Plan has delivered a CAGR of 14.14% — -0.01 pp behind the ELSS category average of 14.16%. The fund ranks #31 of 58 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata ELSS Fund-Growth-Direct Plan has delivered a CAGR of 14.37% — +0.15 pp ahead of the ELSS category average of 14.21%. The fund ranks #19 of 47 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata ELSS Fund-Growth-Direct Plan exactly 10 years ago would be worth approximately ₹399,804 today — a multiplier of 4.00×, based on the 10-year CAGR of 14.86%. The category average over the same window would have grown ₹1 lakh to ₹387,351.

A ₹10,000 monthly SIP in Tata ELSS Fund-Growth-Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹833,297 today. That's an XIRR (money-weighted annualised return) of 13.10%.

A ₹10,000 monthly SIP for 10 years in Tata ELSS Fund-Growth-Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,637,244 (multiplier 2.20×). XIRR: 15.04%. 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-Growth-Direct Plan ranks #19 out of 47 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 14.21%; this fund delivered 14.37%.

The worst peak-to-trough decline Tata ELSS Fund-Growth-Direct Plan has experienced over the last 5-year window is 18.51% — its NAV fell from a high on 26 Sep 2024 to a low on 03 Mar 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, Tata ELSS Fund-Growth-Direct Plan averaged 15.72% (best 26.89%, worst 5.08%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.54 — reasonable risk-adjusted performance.

In calendar year 2025, Tata ELSS Fund-Growth-Direct Plan returned 5.86% — beating the ELSS category average of 3.70% by 2.15 pp. It ranked #19 of 53 in its category that year.

Tata ELSS Fund-Growth-Direct Plan 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-Growth-Direct Plan 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: 18.5%. 5-year CAGR: 14.37%.

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