DSP ELSS Tax Saver Fund · Regular · Growth
NAV
₹131.1320
as of 29 Sept 2026
Expense Ratio
1.80%
AUM
₹16,291 Cr
Lumpsum returns (CAGR)
- 1Y
- -4.16%
- 3Y
- +10.69%
- 5Y
- +10.00%
- Since Inception
- +13.75%
SIP returns (XIRR)
- 1Y
- -9.18%
- 3Y
- +1.88%
- 5Y
- +8.90%
- Since Inception
- +14.42%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,98,489 today — ₹6,00,000 invested, 13.3% XIRR.
₹6,00,000
Invested
₹11,98,489
Value today
13.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,44,640 today (13.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹22,47,909.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,98,489 in this fund vs ₹11,24,556 in the benchmark — outperformance of ₹57,090.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹3,94,003 today (3.94×).
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-0.12
Sharpe Ratio
-0.02
Alpha
0.30
Beta
-0.12
Sortino
13.19%
Std Dev
-14.98%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks36.65%
- Pharmaceuticals & Biotechnology6.82%
- IT - Software5.85%
- Petroleum Products5.80%
- Finance5.04%
- Telecom - Services4.76%
- Automobiles4.41%
- Insurance3.51%
- Auto Components3.08%
- Diversified FMCG2.83%
- Construction2.20%
- Healthcare Services2.14%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Limited9.96%
- 2Hdfc Bank Limited8.38%
- 3Axis Bank Limited7.89%
- 4State Bank Of India5.77%
- 5Kotak Mahindra Bank Limited3.65%
- 6Bharti Airtel Limited3.25%
- 7Reliance Industries Limited2.85%
- 8Mahindra & Mahindra Limited2.53%
- 9Infosys Limited2.42%
- 10Max Financial Services Limited2.04%
What this fund does
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 ₹16,291 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 1.80%.
Who Should Invest?
- •Salaried individuals and taxpayers seeking to save tax under Section 80C