PGIM India ELSS Tax Saver Fund · Regular · Growth
NAV
₹34.6000
as of 31 Jul 2026
Expense Ratio
2.27%
AUM
₹693 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.83%
- 3Y
- +8.10%
- 5Y
- +9.97%
- Since Inception
- +12.38%
SIP returns (XIRR)
- 1Y
- +3.83%
- 3Y
- +5.25%
- 5Y
- +8.29%
- Since Inception
- +12.21%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,05,827 today — ₹5,95,000 invested, 12.1% XIRR.
₹5,95,000
Invested
₹11,05,827
Value today
12.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,10,872 today (12.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹20,02,888.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,05,827 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹1,11,580.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹3,63,445 today (3.63×).
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-0.19
Sharpe Ratio
-0.03
Alpha
0.30
Beta
-0.19
Sortino
13.85%
Std Dev
-17.02%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Investment Objective
PGIM India 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
PGIM India ELSS Tax Saver Fund · Regular · Growth is a ELSS Tax Saver mutual fund offered by PGIM India Mutual Fund. The fund has been operational for over 10 years. It manages assets worth ₹693 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.27%.
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