DSP ELSS Tax Saver Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Outperformed category benchmark in 100% of historical 3-year rolling periods.
- Generated +2.3% annualized alpha (excess return) over its benchmark.
- Cost-efficient: expense ratio of 1.77% is lower than category median (2.34%).
- Over 20 years of operational history across different market cycles.
- Experienced a maximum drawdown of -65.1% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +10.33% | +7.77% | +2.56% |
| 3 Months | +2.42% | +0.19% | +2.23% |
| 6 Months | +6.24% | +5.12% | +1.12% |
| 1 Year | +1.07% | +1.89% | -0.82% |
| 3 Years CAGR | +14.38% | +11.88% | +2.50% |
| 5 Years CAGR | +11.46% | +9.96% | +1.50% |
| 7 Years CAGR | +15.91% | +13.84% | +2.07% |
| 10 Years CAGR | +14.46% | +13.83% | +0.63% |
| Since Inception | +14.20% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in DSP ELSS Tax Saver Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -0.84% | +1.20% | -2.04% |
| 2025 | +7.49% | +3.57% | +3.92% |
| 2024 | +23.90% | +19.98% | +3.92% |
| 2023 | +29.98% | +27.84% | +2.14% |
| 2022 | +4.50% | +2.11% | +2.39% |
| 2021 | +35.12% | +32.16% | +2.96% |
| 2020 | +15.05% | +17.88% | -2.83% |
| 2019 | +14.83% | +9.89% | +4.94% |
| 2018 | -7.64% | -6.42% | -1.22% |
| 2017 | +36.29% | +37.59% | -1.30% |
| 2016 | +11.27% | +3.19% | +8.08% |
| 2015 | +4.40% | +3.80% | +0.60% |
| 2014 | +52.21% | +49.05% | +3.16% |
| 2013 | +6.69% | +7.15% | -0.46% |
| 2012 | +39.81% | +29.97% | +9.84% |
| 2011 | -26.68% | -23.37% | -3.31% |
| 2010 | +23.26% | +17.81% | +5.45% |
| 2009 | +84.22% | +73.74% | +10.48% |
| 2008 | -56.68% | -54.86% | -1.82% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -58.86% | +16.83% | +12.43% | +121.62% | 78.1% | 63.0% |
| 3-Year Rolling | -6.14% | +15.82% | +16.62% | +33.80% | 97.2% | 99.6% |
| 5-Year Rolling | -0.52% | +15.48% | +15.94% | +31.46% | 99.9% | 100.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-04 | 2009-03-09 | -65.1% | 14 months | 57 months |
| 2020-01-24 | 2020-03-23 | -37.3% | 2 months | 8 months |
| 2015-08-07 | 2016-02-25 | -18.7% | 7 months | 4 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| 1. Equity and equity related securities: 80% to 100% 2. Investments in ADRs, GDRs and foreign equity securities: 0% to 20% 3. Debt, securitised debt and money market securities: 0% to 20% For detailed asset allocation pattern, please refer to the Scheme Information Document | Per Scheme Mandate |
Investment Objective & Strategy
The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. There is no assurance that the investment objective of the Scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 17,063 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched relative to ELSS schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest ELSS Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| HSBC ELSS Tax saver Fund | 7.3 | +15.95% | 1.97% | 105.9% | Rs 4,144 cr | Compare → |
| SBI ELSS Tax Saver FUND | 6.7 | +14.22% | 1.83% | 91.3% | Rs 32,287 cr | Compare → |
| Motilal Oswal ELSS Tax Saver Fund | 5.8 | +18.09% | 2.07% | 124.4% | Rs 4,931 cr | Compare → |
| JM ELSS Tax Saver Fund | 4.3 | +15.05% | 2.66% | 102.1% | Rs 245 cr | Compare → |
| WhiteOak Capital ELSS Tax Saver Fund | 6.8 | +15.32% | 2.59% | 94.5% | Rs 517 cr | Compare → |
Frequently Asked Questions about DSP ELSS Tax Saver Fund
What is the expense ratio of DSP ELSS Tax Saver Fund?
DSP ELSS Tax Saver Fund has a total expense ratio (TER) of 1.77% with a base expense ratio of 1.43%, compared to the ELSS category median of 2.34%.
Who manages DSP ELSS Tax Saver Fund?
DSP ELSS Tax Saver Fund is managed by Rohit Singhania.
What are the historical returns of DSP ELSS Tax Saver Fund?
DSP ELSS Tax Saver Fund delivered a 3-year CAGR of 14.38% and a 5-year CAGR of 11.46%. Its 1-year return stands at +1.07%.
How large is DSP ELSS Tax Saver Fund?
DSP ELSS Tax Saver Fund manages assets of Rs 17,063 cr, placing it in the 'stretched' size band relative to ELSS peers.
How is DSP ELSS Tax Saver Fund scored on MFIQ?
DSP ELSS Tax Saver Fund holds an MFIQ Score of 7.1/10 (Good), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is DSP ELSS Tax Saver Fund?
DSP ELSS Tax Saver Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 14.28% with a maximum historical drawdown of -65.09%.