Navi ELSS Tax Saver Fund

ELSS Tax SaverEquity SEBI-regulated

NAV (Direct-Growth)

₹32.8119

As of 10 Apr 2026 · AMFI

AUM

₹49.68 Cr

Expense ratio

0.40%

1Y returns

+6.40%

cat 7.72%

3Y CAGR

+12.69%

cat 14.89%

5Y CAGR

+11.40%

cat 13.11%

Std deviation 3Y

+14.49%

cat 14.74%

In plain English

Navi ELSS Tax Saver Fund is a ELSS Tax Saver scheme from Navi. The portfolio is ~99% in equities. Long-run track record: about 11.4% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -38% 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 · INF959L01CD5

NAV (Direct-Growth)

₹32.8119

Last 1Y

+5.93%

Apr 25Min ₹30.55 · Max ₹35.89 · 246 ptsApr 26

Drawdown stories

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

Mar 2020

-37.8%

Peak ₹16.52 on 12 Feb 2020 → trough ₹10.28 on 23 Mar 2020 (1 months down).

Recovered in 8 months· 24 Nov 2020

Jun 2022

-19.7%

Peak ₹24.30 on 17 Jan 2022 → trough ₹19.50 on 20 Jun 2022 (5 months down).

Recovered in 12 months· 2 Jun 2023

Mar 2025 — ongoing

-18.4%

Peak ₹36.35 on 26 Sept 2024 → trough ₹29.65 on 3 Mar 2025 (5 months down).

Not yet recovered

Oct 2018

-13.6%

Peak ₹15.27 on 8 Jan 2018 → trough ₹13.19 on 9 Oct 2018 (9 months down).

Recovered in 6 months· 29 Mar 2019

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

5 / 5

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

Expense ratio
0.40% — well below typical 1% for equity.
AUM size
₹50 Cr.
Sector concentration
Top 3 sectors = 59.2% — diversified across sectors.

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	+4.06%	+4.93%	1/ 55
1M	-0.62%	+0.18%	52/ 55
3M	-7.42%	-5.87%	54/ 55
6M	-4.08%	-5.73%	40/ 54
YTD	-8.50%	-7.44%	54/ 54
1Y	+6.40%	+7.72%	8/ 54
2Y	+3.40%	+4.55%	47/ 54
3Y	+12.69%	+14.89%	37/ 52
5Y	+11.40%	+13.11%	42/ 47
7Y	+11.30%	+12.47%	45/ 46
10Y	+12.78%	+14.10%	28/ 32

Portfolio composition

Asset allocation

Equity99.15%
Cash0.85%

By market cap

Large cap50.89%
Mid cap34.22%
Small cap14.22%
Others0.67%

Concentration

Holdings

Avg market cap

₹1.51 L Cr

Top 10 stocks

41.15%

Top 5 stocks

23.30%

Top 3 sectors

59.18%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
Axis Bank Ltd
—5.43%
1
Axis Bank Ltd
—5.43%
2
Reliance Industries Ltd
—5.20%
2
Reliance Industries Ltd
—5.20%
3
Ashok Leyland Ltd
—4.90%
3
Ashok Leyland Ltd
—4.90%
4
UPL Ltd
—3.90%
4
UPL Ltd
—3.90%
5
State Bank of India
—3.87%
5
State Bank of India
—3.87%
6
Bharti Airtel Ltd
—3.78%
7
ICICI Bank Ltd
—3.78%
6
Bharti Airtel Ltd
—3.78%
7
ICICI Bank Ltd
—3.78%
8
Sun Pharmaceuticals Industries Ltd
—3.67%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio25.2822.95+2.33
P/B ratio3.383.23+0.15
Price / Sales3.392.82+0.57
Price / Cash Flow17.6116.96+0.65
Dividend yield1.24%1.29%-0.05
Return on equity (ROE)—0.00%—

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
14.6914.4913.7514.7914.7414.07
Sharpe ratio
Risk-adjusted return — higher is better.
-0.520.340.38-0.600.460.47
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.620.480.56-0.680.660.71
Beta
1 = moves with the market. <1 = less volatile.
0.960.960.930.950.960.93

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 →

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