Navi ELSS Tax Saver Fund is a mutual fund run by Navi Mutual Fund. On 31-03-2026, it managed ₹44 Cr of investors' money. In the 3 years to 10-04-2026, its Direct plan returned 13.0% a year and its Regular plan returned 10.9% a year.
This fund is closed. It has not published a NAV since 10-04-2026. The page shows its last portfolio.
NAV (Direct plan)
₹32.40
10-04-2026
NAV (Regular plan)
₹27.30
10-04-2026
Expense ratio
0.53%Direct2.47%Regular
0.53%
A year
Riskometer
Not available
Set by the fund house
3 year return
13.0%Direct10.9%Regular
13.0%
A year
Navi ELSS Tax Saver Fund NAV Today
NAV on 10-04-2026: Direct Plan ₹32.40; Regular Plan ₹27.30.
This fund (Direct plan)
₹32.4038
Navi ELSS Tax Saver Fund Returns
Returns as on 10-04-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−1.08%
−6.34%
−3.28%
+7.63%
+12.99%
+11.62%
+12.70%
This fund (Regular)
−1.24%
−6.77%
−4.18%
+5.63%
+10.89%
+9.55%
+10.90%
Category average
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Worst in category
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Rank in category
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No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. The fund house names no benchmark we can show.
Navi ELSS Tax Saver Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
−7.43%
−7.90%
2025
+6.24%
+4.27%
2024
+13.90%
+11.77%
2023
+26.43%
+24.13%
2022
−0.08%
−1.99%
2021
+31.78%
+29.36%
Navi ELSS Tax Saver Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 1,794 periods, one for each trading day from 31-12-2018 to 10-04-2026.
−10%0%10%20%30%
Navi ELSS Tax Saver Fund (Direct)
Jul 2016 to Jul 2019Oct 2017 to Oct 2020Jan 2019 to Jan 2022Apr 2020 to Apr 2023Jul 2021 to Jul 2024Sept 2022 to Sept 2025
Navi ELSS Tax Saver Fund (Direct)
4%
Below 0%
7%
0-5%
10%
5-10%
43%
10-15%
27%
15-20%
8%
20-25%
1%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
1 year
2,285
10.8%
−31.7%
83.1%
18%
2 years
2,038
13.4%
−12.6%
46.3%
6%
3 years
1,794
13.6%
−6.6%
29.2%
4%
5 years
1,300
13.8%
7.3%
25.0%
0%
7 years
805
12.9%
10.3%
15.2%
0%
10 years
68
13.3%
11.9%
14.0%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
1 year
113
11.7%
−47.6%
63.4%
18%
2 years
101
11.9%
−26.1%
40.7%
8%
3 years
89
13.9%
−17.3%
28.2%
6%
5 years
65
14.2%
6.6%
23.1%
0%
7 years
41
14.4%
10.2%
19.0%
0%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.
Navi ELSS Tax Saver Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Navi ELSS Tax Saver Fund (Direct)This fund
Return (CAGR)
+7.63%
Standard deviation
14.04%
Sharpe ratio
0.15
Sortino ratio
0.22
Maximum drawdown
−14.9%
(31-03-2026)
From daily NAVs, 09-04-2025 to 10-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Navi ELSS Tax Saver Fund (Direct)This fund
Return (CAGR)
+12.99%
Standard deviation
12.85%
Sharpe ratio
0.52
Sortino ratio
0.71
Maximum drawdown
−18.4%
(03-03-2025)
From daily NAVs, 10-04-2023 to 10-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Navi ELSS Tax Saver Fund (Direct)This fund
Return (CAGR)
+11.62%
Standard deviation
13.82%
Sharpe ratio
0.44
Sortino ratio
0.59
Maximum drawdown
−19.8%
(20-06-2022)
From daily NAVs, 09-04-2021 to 10-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Navi ELSS Tax Saver Fund (Direct)This fund
Return (CAGR)
+12.70%
Standard deviation
15.31%
Sharpe ratio
0.47
Sortino ratio
0.63
Maximum drawdown
−37.8%
(23-03-2020)
From daily NAVs, 08-04-2016 to 10-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Navi ELSS Tax Saver Fund (Direct)This fund
Return (CAGR)
+12.06%
Standard deviation
15.29%
Sharpe ratio
0.43
Sortino ratio
0.57
Maximum drawdown
−37.8%
(23-03-2020)
From daily NAVs, 31-12-2015 to 10-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−40%−30%−20%−10%0%
Navi ELSS Tax Saver Fund (Direct)
201620182020202220242026
Navi ELSS Tax Saver Fund (Direct)
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Navi ELSS Tax Saver Fund (Direct)
−37.8%
12-02-2020
23-03-2020
24-11-2020
8 months
−9.7%
From the Direct plan's daily NAV since 31-12-2015, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.
Navi ELSS Tax Saver Fund Expense Ratio and Costs
What each plan charges a year, in force from 09-04-2026
Plan
Base expense ratio
Total expense ratio
Direct
0.45%
0.53%
Regular
2.10%
2.47%
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
5.63%
7.63%
2.00%
₹1,05,630
₹1,07,630
3 years
10.89%
12.99%
2.10% a year
₹1,36,357
₹1,44,251
5 years
9.55%
11.62%
2.07% a year
₹1,57,784
₹1,73,265
10 years
10.90%
12.70%
1.80% a year
₹2,81,394
₹3,30,552
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Navi ELSS Tax Saver Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 31-12-2015 to 10-04-2026: 125 instalments, ₹12,50,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planNavi ELSS Tax Saver Fund (Direct)
₹12,50,000
₹23,15,164
₹10,65,164
11.5%
₹0₹5.0 L₹10.0 L₹15.0 L₹20.0 L₹25.0 L
Direct planNavi ELSS Tax Saver Fund (Direct)
Amount invested
201620182020202220242026
Direct planNavi ELSS Tax Saver Fund (Direct)Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Navi ELSS Tax Saver Fund Asset Allocation
Asset allocation as on 31-03-2026
What the fund holds
99.9%Equity
Asset
Fund
Equity
99.9%
Cash and others
0.1%
Market cap of stocks
Market cap
Fund
Large Cap
51.9%
Mid Cap
34.3%
Small Cap
12.8%
Not on AMFI's list
1.0%
Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Navi ELSS Tax Saver Fund Sector Allocation
Sector allocation of the fund's stocks as on 31-03-2026
Largest sectors
BANKS21.8%
IT - SOFTWARE8.6%
PHARMACEUTICALS & BIOTECHNOLOGY8.3%
FINANCE6.6%
PETROLEUM PRODUCTS5.7%
INDUSTRIAL PRODUCTS4.9%
AGRICULTURAL FOOD & OTHER PRODUCTS4.8%
ELECTRICAL EQUIPMENT4.5%
TELECOM - SERVICES4.1%
AGRICULTURAL, COMMERCIAL & CONSTRUCTION VEHICLES4.1%
The ten largest of 24 sectors. The other 14 add up to 26.7%.
Sector changes
Sector
January 2026
February 2026
March 2026
Change
BANKS
23.4%
22.8%
21.8%
−1.7%
IT - SOFTWARE
9.7%
7.9%
8.6%
−1.1%
PHARMACEUTICALS & BIOTECHNOLOGY
6.9%
7.5%
8.3%
+1.4%
FINANCE
6.6%
6.8%
6.6%
0.0%
PETROLEUM PRODUCTS
5.1%
5.2%
5.7%
+0.6%
Each sector's share of the fund at the end of each month. The five largest sectors of March 2026. Change: from January 2026 to March 2026, in % of the fund.
Navi ELSS Tax Saver Fund Portfolio Holdings
As on 31-03-2026 · 43 holdings · from the fund house's monthly portfolio
Holdings
Sector
Weight%
Holdings trend
1M change
RELIANCE INDUSTRIES LIMITED
PETROLEUM PRODUCTS
5.70%
0.0%
AXIS BANK LIMITED
BANKS
5.18%
0.0%
SUN PHARMACEUTICAL INDUSTRIES LIMITED
PHARMACEUTICALS & BIOTECHNOLOGY
4.22%
0.0%
BHARTI AIRTEL LIMITED
TELECOM - SERVICES
4.08%
0.0%
ASHOK LEYLAND LIMITED
AGRICULTURAL, COMMERCIAL & CONSTRUCTION VEHICLES
4.07%
0.0%
UPL LIMITED
FERTILIZERS & AGROCHEMICALS
3.95%
0.0%
ICICI BANK LIMITED
BANKS
3.76%
0.0%
STATE BANK OF INDIA
BANKS
3.59%
0.0%
THE FEDERAL BANK LIMITED
BANKS
3.50%
0.0%
PERSISTENT SYSTEMS LTD
IT - SOFTWARE
3.24%
0.0%
CREDITACCESS GRAMEEN LIMITED
FINANCE
3.18%
0.0%
ASTRAL LIMITED
INDUSTRIAL PRODUCTS
2.93%
0.0%
HDFC BANK LIMITED
BANKS
2.85%
0.0%
SHRIRAM FINANCE LIMITED
FINANCE
2.79%
0.0%
MARICO LIMITED
AGRICULTURAL FOOD & OTHER PRODUCTS
2.78%
0.0%
INFOSYS LIMITED
IT - SOFTWARE
2.72%
0.0%
UNITED SPIRITS LIMITED
BEVERAGES
2.65%
0.0%
MAX HEALTHCARE INSTITUTE LIMITED
HEALTHCARE SERVICES
2.64%
0.0%
HINDUSTAN AERONAUTICS LIMITED
AEROSPACE & DEFENSE
2.39%
0.0%
HINDUSTAN UNILEVER LIMITED
DIVERSIFIED FMCG
2.30%
0.0%
SUZLON ENERGY LIMITED
ELECTRICAL EQUIPMENT
2.26%
0.0%
BHARAT HEAVY ELECTRICALS LIMITED
ELECTRICAL EQUIPMENT
2.25%
0.0%
ZYDUS LIFESCIENCES LIMITED
PHARMACEUTICALS & BIOTECHNOLOGY
2.23%
0.0%
USHA MARTIN LTD
INDUSTRIAL PRODUCTS
1.97%
0.0%
TATA CONSUMER PRODUCTS LIMITED
AGRICULTURAL FOOD & OTHER PRODUCTS
1.97%
0.0%
EUREKA FORBES LTD
CONSUMER DURABLES
1.97%
0.0%
CIPLA LIMITED
PHARMACEUTICALS & BIOTECHNOLOGY
1.82%
0.0%
INTERGLOBE AVIATION LIMITED
TRANSPORT SERVICES
1.80%
0.0%
TUBE INVESTMENTS OF INDIA LTD
AUTO COMPONENTS
1.73%
0.0%
OIL INDIA LIMITED
OIL
1.63%
0.0%
TATA CONSULTANCY SERVICES LIMITED
IT - SOFTWARE
1.60%
0.0%
SAREGAMA INDIA LIMITED
ENTERTAINMENT
1.46%
0.0%
KPIT TECHNOLOGIES LIMITED
IT - SOFTWARE
1.02%
0.0%
VEDANT FASHIONS LIMITED
RETAILING
0.96%
0.0%
SATHLOKHAR SYNERGYS E&C GLOBAL LIMITED
CONSTRUCTION
0.96%
0.0%
SENCO GOLD LIMITED
CONSUMER DURABLES
0.89%
0.0%
INDIAN BANK
BANKS
0.87%
0.0%
COMPUTER AGE MANAGEMENT SERVICES LIMITED
CAPITAL MARKETS
0.72%
0.0%
BANK OF MAHARASHTRA
BANKS
0.72%
0.0%
UNION BANK OF INDIA
BANKS
0.71%
0.0%
JIO FINANCIAL SERVICES LIMITED
FINANCE
0.65%
0.0%
DEEPAK FERTILIZERS AND PETRO. CORP. LTD
CHEMICALS & PETROCHEMICALS
0.62%
0.0%
KOTAK MAHINDRA BANK LIMITED
BANKS
0.61%
0.0%
Navi ELSS Tax Saver Fund Stocks Bought and Sold
All changes are between February 2026 and March 2026
More
Stocks bought and sold in March 2026
APOLLO PIPES LIMITED
↓Sold out
−100%
was 0.62%
KWALITY WALL’S (INDIA) LIMITED
↓Sold out
−100%
was 0.03%
No stocks in this group for March 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Navi ELSS Tax Saver Fund Overview
Fund facts from the scheme summary document
Expense ratio (Direct)
0.53%
Expense ratio (Regular)
2.47%
Category
Not available
Risk
Not available
Benchmark
Not available
Launch date
Not available
Minimum investment
Not available
Minimum additional investment
Not available
AUM
₹43.70 Cr (31-03-2026)
Lock in
Not available
Scheme code (Direct)
135653
ISIN (Direct)
INF959L01CE3
Scheme code (Regular)
135652
ISIN (Regular)
INF959L01CG8
NAV history
From 31-12-2015, 10.3 years
Exit load
Not available
Tax on Navi ELSS Tax Saver Fund returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
₹32.4038
10-04-2026
direct
₹32.8119
10-04-2026
regular
₹27.3012
10-04-2026
regular
₹27.3039
10-04-2026
About Navi ELSS Tax Saver Fund
Navi ELSS Tax Saver Fund is a mutual fund from Navi Mutual Fund. At the end of March 2026 it held 43 securities.
Frequently Asked Questions for Navi ELSS Tax Saver Fund
What is the current NAV of Navi ELSS Tax Saver Fund?
The Direct plan NAV is ₹32.4038. The Regular plan NAV is ₹27.3012, as on 10-04-2026.
What are the returns of Navi ELSS Tax Saver Fund?
The Direct plan returned +7.63% in 1 year, +12.99% a year over 3 years, +11.62% a year over 5 years. The Regular plan returned +5.63% in 1 year, +10.89% a year over 3 years, +9.55% a year over 5 years. These figures are as on 10-04-2026.
What is the expense ratio of Navi ELSS Tax Saver Fund?
The Direct plan charges 0.53% a year. The Regular plan charges 2.47% a year. This is the figure the fund house reported to AMFI, in force from 09-04-2026.
What is the AUM of Navi ELSS Tax Saver Fund?
Navi ELSS Tax Saver Fund managed ₹43.70 Cr on 31-03-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Navi ELSS Tax Saver Fund?
At the end of March 2026 the largest holdings were RELIANCE (5.70%), AXISBANK (5.18%), SUNPHARMA (4.22%), BHARTIARTL (4.08%), ASHOKLEY (4.07%). The fund held 43 securities in all.
What did Navi ELSS Tax Saver Fund buy and sell in March 2026?
It sold out of 2: APOLLO PIPES LIMITED, KWALITY WALL’S (INDIA) LIMITED.
How do I invest in Navi ELSS Tax Saver Fund?
Through Navi Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. You can invest once or through a monthly SIP.
What is the difference between the Direct and Regular plan of Navi ELSS Tax Saver Fund?
Both plans hold the same investments. The Regular plan pays a commission to the distributor who sold it, so it charges more. The Direct plan charges 0.53% a year and the Regular plan 2.47%. The lower charge is why the Direct plan's NAV is higher.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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