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: 13.87%.

Tata

Tata ELSS Fund-Growth-Direct Plan

Latest NAV

₹51.6199

As of

3 Jun 2026

2,862 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	29 / 59	Q2
1W	-1.36%	-1.27%	-0.08	20 / 59	Q2
2W	+0.09%	+0.30%	-0.21	29 / 59	Q2
1M	-1.21%	-0.87%	-0.35	27 / 59	Q2
3M	-0.93%	+0.83%	-1.77	30 / 59	Q3
6M	-2.74%	-2.14%	-0.60	21 / 59	Q2
YTD	-3.11%	-1.56%	-1.55	22 / 59	Q2
1Y	+3.44%	+5.96%	-2.52	19 / 59	Q2
2Y	+6.10%	+5.58%	+0.52	14 / 58	Q1
3Y	+15.32%	+14.58%	+0.74	26 / 58	Q2
4Y	+15.23%	+14.85%	+0.38	24 / 51	Q2
5Y	+13.87%	+14.46%	-0.59	25 / 47	Q3
7Y	+14.55%	+15.51%	-0.96	26 / 45	Q3
10Y	+14.95%	+14.50%	+0.45	11 / 27	Q2
Inception	+15.16%	+14.13%	+1.03	22 / 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	-3.11%	-4.44%	+1.34	16 / 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

+16.12%

130 windows

min -27.0% · max 77.4%

86% positive

3-Year rolling

+15.69%

106 windows

min -3.5% · max 29.5%

98% positive

5-Year rolling

+15.61%

81 windows

min 2.6% · max 24.5%

100% positive

7-Year rolling

+15.48%

57 windows

min 12.9% · max 17.9%

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

14.27%

3-year · annualised

Sharpe ratio

0.62

vs risk-free 6.5%

Sortino ratio

0.96

Downside-only deviation

Max drawdown

-18.51%

Sep 2024 → Mar 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 ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹458.2222	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	₹51.6199
2 Jun 2026	₹51.6334
1 Jun 2026	₹51.5022
29 May 2026	₹52.0331
27 May 2026	₹52.6572
26 May 2026	₹52.3428
25 May 2026	₹52.4314
22 May 2026	₹51.8575
21 May 2026	₹51.8500
20 May 2026	₹51.7294

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-Growth-Direct Plan is ₹51.6199. 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 7 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 3.44% — -2.52 pp behind the ELSS category average of 5.96%. The fund ranks #19 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 15.32% — +0.74 pp ahead of the ELSS category average of 14.58%. The fund ranks #26 of 58 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata ELSS Fund-Growth-Direct Plan has delivered a CAGR of 13.87% — -0.59 pp behind the ELSS category average of 14.46%. The fund ranks #25 of 47 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata ELSS Fund-Growth-Direct Plan exactly 10 years ago would be worth approximately ₹402,881 today — a multiplier of 4.03×, based on the 10-year CAGR of 14.95%. The category average over the same window would have grown ₹1 lakh to ₹387,469.

A ₹10,000 monthly SIP in Tata ELSS Fund-Growth-Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹812,834 today. That's an XIRR (money-weighted annualised return) of 12.09%.

A ₹10,000 monthly SIP for 10 years in Tata ELSS Fund-Growth-Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,569,926 (multiplier 2.14×). XIRR: 14.56%. 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 #25 out of 47 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 14.46%; this fund delivered 13.87%.

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 15.61% (best 24.45%, worst 2.64%). 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: 13.87%.

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