Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Outperformed category benchmark in 82% of historical 3-year rolling periods.
- Generated +5.3% annualized alpha (excess return) over its benchmark.
- Cost-efficient: expense ratio of 2.07% is lower than category median (2.34%).
- Consistently ranked #2 in its category with an MFIQ quantitative score of 5.8/10.
- Downside capture of 124% indicates larger drops during broader market downturns.
- Experienced a maximum drawdown of -37.8% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +1.16% | +7.77% | -6.61% |
| 3 Months | -1.62% | +0.19% | -1.81% |
| 6 Months | +1.29% | +5.12% | -3.83% |
| 1 Year | +6.37% | +1.89% | +4.48% |
| 3 Years CAGR | +18.09% | +11.88% | +6.21% |
| 5 Years CAGR | +14.85% | +9.96% | +4.89% |
| 7 Years CAGR | +17.14% | +13.84% | +3.30% |
| 10 Years CAGR | +15.86% | +13.83% | +2.03% |
| Since Inception | +15.57% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Motilal Oswal ELSS Tax Saver Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +10.19% | +1.20% | +8.99% |
| 2025 | -9.07% | +3.57% | -12.64% |
| 2024 | +47.72% | +19.98% | +27.74% |
| 2023 | +37.05% | +27.84% | +9.21% |
| 2022 | +1.78% | +2.11% | -0.33% |
| 2021 | +32.06% | +32.16% | -0.10% |
| 2020 | +8.77% | +17.88% | -9.11% |
| 2019 | +13.20% | +9.89% | +3.31% |
| 2018 | -8.73% | -6.42% | -2.31% |
| 2017 | +43.96% | +37.59% | +6.37% |
| 2016 | +12.47% | +3.19% | +9.28% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -27.66% | +17.69% | +12.40% | +81.93% | 75.8% | 61.6% |
| 3-Year Rolling | -5.94% | +16.78% | +17.87% | +32.88% | 93.1% | 81.9% |
| 5-Year Rolling | +2.63% | +15.82% | +15.94% | +30.50% | 100.0% | 100.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-02-07 | 2020-03-23 | -37.8% | 1 months | 9 months |
| 2024-12-16 | 2025-03-03 | -27.9% | 3 months | 17 months |
| 2022-01-17 | 2022-06-17 | -22.0% | 5 months | 6 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & equity related instruments 80-100% Debt Instruments, Money Market Instruments, G-Secs, Cash and Cash at call, etc. 0-20% | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. However, there can be no assurance or guarantee that the investment objective of the Scheme would 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 4,931 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable 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 |
|---|---|---|---|---|---|---|
| WhiteOak Capital ELSS Tax Saver Fund | 6.8 | +15.32% | 2.59% | 94.5% | Rs 517 cr | Compare → |
| HSBC ELSS Tax saver Fund | 7.3 | +15.95% | 1.97% | 105.9% | Rs 4,144 cr | Compare → |
| DSP ELSS Tax Saver Fund | 7.1 | +14.38% | 1.77% | 95.9% | Rs 17,063 cr | Compare → |
| SBI ELSS Tax Saver FUND | 6.7 | +14.22% | 1.83% | 91.3% | Rs 32,287 cr | Compare → |
| JM ELSS Tax Saver Fund | 4.3 | +15.05% | 2.66% | 102.1% | Rs 245 cr | Compare → |
Frequently Asked Questions about Motilal Oswal ELSS Tax Saver Fund
What is the expense ratio of Motilal Oswal ELSS Tax Saver Fund?
Motilal Oswal ELSS Tax Saver Fund has a total expense ratio (TER) of 2.07% with a base expense ratio of 1.61%, compared to the ELSS category median of 2.34%.
Who manages Motilal Oswal ELSS Tax Saver Fund?
Motilal Oswal ELSS Tax Saver Fund is managed by Niket Shah (tenure: 3.1 years since 2023-10-17).
What are the historical returns of Motilal Oswal ELSS Tax Saver Fund?
Motilal Oswal ELSS Tax Saver Fund delivered a 3-year CAGR of 18.09% and a 5-year CAGR of 14.85%. Its 1-year return stands at +6.37%.
How large is Motilal Oswal ELSS Tax Saver Fund?
Motilal Oswal ELSS Tax Saver Fund manages assets of Rs 4,931 cr, placing it in the 'comfortable' size band relative to ELSS peers.
How is Motilal Oswal ELSS Tax Saver Fund scored on MFIQ?
Motilal Oswal ELSS Tax Saver Fund holds an MFIQ Score of 5.8/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Motilal Oswal ELSS Tax Saver Fund?
Motilal Oswal ELSS Tax Saver Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 19.56% with a maximum historical drawdown of -37.82%.