DSP ELSS Tax Saver Fund · Regular · Growth
NAV
₹139.9920
as of 13 Jul 2026
Expense Ratio
1.64%
AUM
₹16,918 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.38%
- 3Y
- +15.24%
- 5Y
- +13.05%
- Since Inception
- +14.30%
SIP returns (XIRR)
- 1Y
- +2.25%
- 3Y
- +8.01%
- 5Y
- +12.53%
- Since Inception
- +15.21%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹13,07,027 today — ₹6,00,000 invested, 15.1% XIRR.
₹6,00,000
Invested
₹13,07,027
Value today
15.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,94,377 today (14.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹26,36,743.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹13,07,027 in this fund vs ₹12,27,828 in the benchmark — outperformance of ₹79,199.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹4,20,624 today (4.21×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.02
Sharpe Ratio
-0.01
Alpha
0.29
Beta
-0.02
Sortino
14.05%
Std Dev
-14.98%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Banks33.70%
- Pharmaceuticals & Biotechnology6.40%
- IT - Software6.25%
- Finance5.73%
- Telecom - Services5.15%
- Auto Components4.05%
- Insurance3.69%
- Automobiles2.98%
- Diversified FMCG2.72%
- Petroleum Products2.67%
- Construction2.64%
- Consumer Durables2.43%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Limited9.27%
- 2Hdfc Bank Limited8.78%
- 3Axis Bank Limited7.47%
- 4State Bank Of India4.13%
- 5Bharti Airtel Limited3.38%
- 6Kotak Mahindra Bank Limited3.12%
- 7Infosys Limited2.56%
- 8Mahindra & Mahindra Limited2.42%
- 9Tata Consultancy Services Limited2.07%
- 10Max Financial Services Limited1.90%
Investment Objective
DSP ELSS Tax Saver Fund · Regular · Growth is a tax-saving equity fund (ELSS) that offers tax deduction under Section 80C of the Income Tax Act, with a mandatory 3-year lock-in period. The fund aims to generate long-term capital appreciation while providing tax benefits of up to ₹46,800 per year.
About This Fund
DSP ELSS Tax Saver Fund · Regular · Growth is a ELSS Tax Saver mutual fund offered by DSP Mutual Fund. The fund has been operational for over 19 years. It manages assets worth ₹16,918 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 1.64%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Salaried individuals and taxpayers seeking to save tax under Section 80C
- •SIP investors who can benefit from rupee cost averaging during market fluctuations