DSP ELSS Tax Saver Fund

ELSS Tax SaverEquityVery High risk Rank 13 of 48

NAV · Direct-Growth

₹146.25-0.86-0.59%

As of 1 Oct 2026 · AMFI

NAV growth-4.8%

Oct ’25Oct ’26

Arthkar verdictSolid on the numbers

Returns

Mixed vs category

2 of 3 periods ahead

Cost

Low

0.61% vs 0.99% peers

Volatility

Above average

15.9% vs 15.5% cat (3Y)

Consistency

Strong

positive in 10 of 12 years

Beats its ELSS Tax Saver category on 3Y & 5Y but trails on 1Y — but has run more volatile than peers.

1Y return

-5.3%

-2.3 vs cat

3Y CAGR

+12.0%

+1.4 vs cat

5Y CAGR

+10.6%

+0.6 vs cat

AUM

₹16.2K Cr

fund size

Expense

0.61%

direct plan

Volatility 3Y

15.9%

▲ vs 15.5%

Go deeper on DSP ELSS Tax Saver Fund

Two data-only views, computed from this fund's real NAV history — no projections.

DSP ELSS Tax Saver Fund SIP returnsWhat ₹1,000–₹25,000/month actually became, 3 to 20 years — real results, with drawdowns and an FD comparison.DSP ELSS Tax Saver Fund real oddsYour real chances over every start date in history — how often it made money and beat a fixed deposit.

In plain English

DSP ELSS Tax Saver Fund is a ELSS Tax Saver scheme from DSP. The portfolio is ~94% in equities with 6% kept in cash and short-term debt. Long-run track record: about 10.6% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -37% in Mar 2020, recovered in 8 months. Mandatory 3-year lock-in. Wrong fit if you need access sooner.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

Showing Direct · Growth · INF740K01OK1

NAV (Direct-Growth)

₹146.2490

Last 1Y

-4.81%

Oct 25Min ₹139.40 · Max ₹163.63 · 247 ptsOct 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2020

-37.2%

Peak ₹55.95 on 24 Jan 2020 → trough ₹35.16 on 23 Mar 2020 (2 months down).

Recovered in 8 months· 9 Nov 2020

Feb 2016

-18.5%

Peak ₹34.50 on 7 Aug 2015 → trough ₹28.13 on 25 Feb 2016 (7 months down).

Recovered in 4 months· 23 Jun 2016

Oct 2018

-17.6%

Peak ₹51.53 on 23 Jan 2018 → trough ₹42.44 on 26 Oct 2018 (9 months down).

Recovered in 7 months· 27 May 2019

Jun 2022

-17.1%

Peak ₹91.30 on 18 Oct 2021 → trough ₹75.71 on 20 Jun 2022 (8 months down).

Recovered in 3 months· 13 Sept 2022

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

Expense ratio
0.61% — typical for category.
AUM size
₹16.2K Cr.
Sector concentration
Top 3 sectors = 62.2% — fairly concentrated.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	-2.68%	-2.89%	14/ 49
1M	-5.75%	-5.13%	34/ 49
3M	-6.68%	-4.34%	45/ 49
6M	+3.33%	+7.06%	38/ 49
YTD	-9.65%	-5.29%	38/ 49
1Y	-5.29%	-3.04%	32/ 49
2Y	-2.88%	-2.28%	28/ 48
3Y	+11.98%	+10.58%	13/ 48
5Y	+10.64%	+10.07%	16/ 41
7Y	+16.41%	+15.62%	13/ 40
10Y	+13.95%	+13.00%	10/ 32

Portfolio composition

Asset allocation

Equity93.92%
Cash6.08%

By market cap

Large cap66.97%
Mid cap16.23%
Small cap13.60%
Others3.20%

Concentration

Holdings

Avg market cap

₹2.28 L Cr

Top 10 stocks

44.85%

Top 5 stocks

31.53%

Top 3 sectors

62.19%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
ICICI Bank Ltd
—8.64%
1
ICICI Bank Ltd
—8.64%
2
HDFC Bank Ltd
—7.92%
2
HDFC Bank Ltd
—7.92%
3
Axis Bank Ltd
—6.34%
3
Axis Bank Ltd
—6.34%
4
State Bank of India
—4.51%
4
State Bank of India
—4.51%
5
Infosys Ltd
—4.12%
5
Infosys Ltd
—4.12%
6
Bharti Airtel Ltd
—3.54%
6
Bharti Airtel Ltd
—3.54%
7
Kotak Mahindra Bank Ltd
—2.66%
7
Kotak Mahindra Bank Ltd
—2.66%
8
Mahindra & Mahindra Ltd
—2.52%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio18.5124.09-5.58
P/B ratio2.643.29-0.65
Price / Sales2.272.96-0.69
Price / Cash Flow12.6018.13-5.53
Dividend yield1.42%1.23%+0.19
Return on equity (ROE)15.78%16.61%-0.83

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
13.5815.6414.4017.2615.4714.47
Sharpe ratio
Risk-adjusted return — higher is better.
-0.340.660.61-0.400.450.49
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.421.010.95-0.500.670.75
Beta
1 = moves with the market. <1 = less volatile.
0.980.990.950.960.960.94

Peers in ELSS Tax Saver

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN

Click a plan to see its NAV and chart above. Direct plans have lower expense ratios than Regular — same portfolio, more of the return stays with you.

NEW

See your SIP through Indian market history

Pick a fund and a start year — get a 60-second cinematic replay of every crash, boom, and headline with your money in it. Real NAV data, no “assumed 12%” lies.

Try Wealth Time Machine

AI · Free

Find what's really inside your funds

Upload your CAS PDF — get instant stock concentration, hidden fund overlap, sector risk, and 3 key insights, written by AI in plain English.

Run Portfolio X-Ray