PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 96% of 3-year investment horizons.
- Over 11 years of operational history across different market cycles.
- Experienced a maximum drawdown of -36.9% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.70% | +7.77% | +0.93% |
| 3 Months | +2.48% | +0.19% | +2.29% |
| 6 Months | +9.26% | +5.12% | +4.14% |
| 1 Year | +1.93% | +1.89% | +0.04% |
| 3 Years CAGR | +9.64% | +11.88% | -2.24% |
| 5 Years CAGR | +8.60% | +9.96% | -1.36% |
| 7 Years CAGR | +13.70% | +13.84% | -0.14% |
| 10 Years CAGR | +12.93% | +13.83% | -0.90% |
| Since Inception | +12.44% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in PGIM India ELSS Tax Saver Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +2.83% | +1.20% | +1.63% |
| 2025 | +1.98% | +3.57% | -1.59% |
| 2024 | +15.59% | +19.98% | -4.39% |
| 2023 | +19.48% | +27.84% | -8.36% |
| 2022 | +4.68% | +2.11% | +2.57% |
| 2021 | +37.46% | +32.16% | +5.30% |
| 2020 | +17.88% | +17.88% | 0.00% |
| 2019 | +8.20% | +9.89% | -1.69% |
| 2018 | -6.36% | -6.42% | +0.06% |
| 2017 | +39.31% | +37.59% | +1.72% |
| 2016 | +1.67% | +3.19% | -1.52% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -32.00% | +13.99% | +9.77% | +95.48% | 81.5% | 56.6% |
| 3-Year Rolling | -7.38% | +13.63% | +13.49% | +35.86% | 96.5% | 31.3% |
| 5-Year Rolling | +6.38% | +15.09% | +14.73% | +27.93% | 100.0% | 8.9% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-01-17 | 2020-03-23 | -36.9% | 2 months | 8 months |
| 2024-09-23 | 2026-03-31 | -17.9% | 18 months | Not yet recovered |
| 2022-01-17 | 2022-06-20 | -17.6% | 5 months | 5 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & Equity Related Instruments - Min 80% and Max 100% Money Market Instruments and, other liquid instruments, Units of Liquid, Money Market and Overnight Mutual funds - Min 0% and Max 20% Units of Gold ETFs & Silver ETFs - Min 0% and Max 20% Units issued by InvITs - Min 0% and Max 10% | Per Scheme Mandate |
Investment Objective & Strategy
The primary objective of the Scheme is to generate long-term capital appreciation by predominantly investing in equity & equity related instruments and to enable eligible investors to avail deduction from total income, as permitted under the Income Tax Act, 1961 as amended from time to time. However, there is no assurance that the investment objective of the scheme will be achieved. The Scheme does not guarantee/ indicate any returns. The Scheme has been prepared in accordance with the notification dated November 3, 2005 and December 13, 2005 issued by the Government of India notified under section 80C of the Income-tax Act, 1961. As per section 80C of the Income-tax Act, 1961 and subject to provisions, eligible investors (i.e. Individual, HUF, Specified AOP/BOI) are entitled to a deduction from gross total income upto Rs. 150,000/- (along with other prescribed investments) for amount invested in PGIM India ELSS Tax Saver Fund.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 726 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 |
|---|---|---|---|---|---|---|
| BANK OF INDIA ELSS Tax Saver FUND | 4.4 | +11.88% | 2.34% | 108.5% | Rs 1,430 cr | Compare → |
| LIC MF ELSS Tax Saver Fund | 2.9 | +9.54% | 2.48% | 98.8% | Rs 1,020 cr | Compare → |
| Quantum ELSS Tax Saver Fund | 4.2 | +10.50% | 2.18% | 79.0% | Rs 213 cr | Compare → |
| Sundaram ELSS Tax Saver Fund | 4.6 | +9.27% | - | 93.2% | Rs 1,287 cr | Compare → |
| BANDHAN ELSS Tax Saver Fund | 5.1 | +10.70% | 1.98% | 88.4% | Rs 7,106 cr | Compare → |
Frequently Asked Questions about PGIM India ELSS Tax Saver Fund
What is the expense ratio of PGIM India ELSS Tax Saver Fund?
PGIM India ELSS Tax Saver Fund has a total expense ratio (TER) of 2.55% with a base expense ratio of 2.04%, compared to the ELSS category median of 2.34%.
Who manages PGIM India ELSS Tax Saver Fund?
PGIM India ELSS Tax Saver Fund is managed by Vivek Sharma (tenure: 2.6 years since 2024-04-15).
What are the historical returns of PGIM India ELSS Tax Saver Fund?
PGIM India ELSS Tax Saver Fund delivered a 3-year CAGR of 9.64% and a 5-year CAGR of 8.6%. Its 1-year return stands at +1.93%.
How large is PGIM India ELSS Tax Saver Fund?
PGIM India ELSS Tax Saver Fund manages assets of Rs 726 cr, placing it in the 'comfortable' size band relative to ELSS peers.
How is PGIM India ELSS Tax Saver Fund scored on MFIQ?
PGIM India ELSS Tax Saver Fund holds an MFIQ Score of 3.6/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is PGIM India ELSS Tax Saver Fund?
PGIM India ELSS Tax Saver Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 13.44% with a maximum historical drawdown of -36.87%.