MF Gyan
elssHigh risk11 years oldCooling recently (last 6m ≈ -6% p.a.)

Navi ELSS Tax Saver Fund- Direct Plan- Growth Option

An equity fund that also saves you tax under Section 80C. Money is locked in for 3 years. From Navi Mutual Fund. It's been running since 31 Dec 2015.

Latest price per unit
₹32.8119
▲ 1.16% today
As of 10 Apr 2026 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.08 L
▲ ₹7.6k gain · 7.6% / year
Invested 3 years ago
₹1.44 L
▲ ₹44.4k gain · 13.0% / year
Invested 5 years ago
₹1.74 L
▲ ₹73.5k gain · 11.7% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹1.91 L
Gain / loss+₹10.5k
XIRR (annualised)3.87%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹1.91 L
Projected gain*+₹11.2k
*at this fund's historical rate of 3.87% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 76 other funds in Equity Scheme - ELSS

Same plan
1-year return
7.62%median 2.11% (+5.51%)
Rank #17 of 77Beats 79% of peers
3-year return
13.02%median 9.69% (+3.33%)
Rank #21 of 77Beats 74% of peers
5-year return
11.65%median 8.43% (+3.22%)
Rank #19 of 77Beats 71% of peers
Bumpiness (3Y)
13.01%median 13.76% (-0.75%)
Rank #29 of 77Less risky than 63% of peers
Worst-ever drop
-37.77%median -35.12% (-2.65%)
Rank #26 of 77Less risky than 67% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 5 of last 7 years were positive.

+10%
2020
+31%
2021
-1%
2022
+26%
2023
+14%
2024
+6%
2025
-8%
2026
Best year
2021 · 30.99%
Worst year
2026 · -7.69%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
13.0%

The value swings roughly 13% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-37.77%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of Navi ELSS Tax Saver Fund- Direct Plan- Growth Option against other elss funds.

Technical details (for the pros)
CAGR — 1 year7.62%
CAGR — 3 years13.02%
CAGR — 5 years11.65%
CAGR — since launch12.19%
Volatility — 1 year (annualised)14.15%
Volatility — 3 years (annualised)13.01%
Max drawdown — 1 year-14.88%
Max drawdown — 3 years-18.43%
Sharpe ratio — 1 year (rf=6%)-0.01
Sharpe ratio — 3 years (rf=6%)0.50

Fund info

Fund house
Navi Mutual Fund
Category
Equity Scheme - ELSS
Plan
Direct
Option
Growth
ISIN (Growth)
INF959L01CD5
ISIN (Div re-invest)
—
Fund code
135654
First price on record
31 Dec 2015 · 2,532 daily prices

About Navi ELSS Tax Saver Fund- Direct Plan- Growth Option

Navi ELSS Tax Saver Fund- Direct Plan- Growth Option is a Equity Scheme - ELSS offered by Navi Mutual Fund under the Direct plan with the Growth option. It has approximately 11 years of NAV track record. The fund falls in the elss category — An equity fund that also saves you tax under Section 80C. Money is locked in for 3 years.

The current NAV of Navi ELSS Tax Saver Fund- Direct Plan- Growth Option is ₹32.8119 (as of 10 Apr 2026). Historically, it has delivered 7.64% over the last year, 13.02% CAGR over 3 years, 11.65% CAGR over 5 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 13.0% annualised volatility — a "high" level of bumpiness; its deepest peak-to-trough fall on record was 37.8%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of Navi ELSS Tax Saver Fund- Direct Plan- Growth Option?+

The latest NAV of Navi ELSS Tax Saver Fund- Direct Plan- Growth Option is ₹32.8119 as of 10 Apr 2026, up 1.16% from the previous day. NAV is updated once a business day after the market close.

What are the returns of Navi ELSS Tax Saver Fund- Direct Plan- Growth Option?+

Navi ELSS Tax Saver Fund- Direct Plan- Growth Option has delivered 1-year return 7.64%, 3-year CAGR 13.02%, 5-year CAGR 11.65%, since-inception CAGR 12.19%. Returns are historical and don't predict future performance — markets move in cycles.

What category does Navi ELSS Tax Saver Fund- Direct Plan- Growth Option belong to?+

Navi ELSS Tax Saver Fund- Direct Plan- Growth Option is categorised as Equity Scheme - ELSS. An equity fund that also saves you tax under Section 80C. Money is locked in for 3 years.

How risky is Navi ELSS Tax Saver Fund- Direct Plan- Growth Option?+

Based on its 3-year annualised volatility of 13.0%, Navi ELSS Tax Saver Fund- Direct Plan- Growth Option sits in the "high" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

What is the lock-in period for Navi ELSS Tax Saver Fund- Direct Plan- Growth Option?+

Navi ELSS Tax Saver Fund- Direct Plan- Growth Option is an ELSS (Equity Linked Savings Scheme) with a 3-year lock-in on each individual investment. Every SIP installment is locked separately for 3 years from its purchase date — the January 2024 units unlock in January 2027, February 2024 units in February 2027, and so on.

Is Navi ELSS Tax Saver Fund- Direct Plan- Growth Option a direct plan?+

Navi ELSS Tax Saver Fund- Direct Plan- Growth Option is a Direct plan (no distributor commission — lower expense ratio) with the Growth option (all returns compound within the fund, no interim payouts).

How old is Navi ELSS Tax Saver Fund- Direct Plan- Growth Option?+

Navi ELSS Tax Saver Fund- Direct Plan- Growth Option has NAV history available from 31 Dec 2015 — approximately 11 years of track record and 2,532 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.