Compare mutual funds | Krystal Capitals

How much it grew
	A: UTI ELSS Tax Saver Fund	B: JM ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: Motilal Oswal ELSS Tax Saver Fund
3-year returnA year, on averageMiddle return of funds of this type we offer: +9.0% a year	+6.6%	+13.7%	+13.0%	+18.2%Higher
1-year returnTotal over the last year	−7.3%	+1.9%	−1.9%	+2.8%Higher
5-year returnA year, on average	+5.1%	+11.1%	Not enough history	+14.6%Higher
Since launchA year, on average, with at least a year of history	+9.4%from Apr 2006	+9.0%from Apr 2008	+14.7%from Oct 2022	+15.5%Higherfrom Jan 2015

How it held up in falls

Worst fall

Biggest drop from a high, and when

How it held up in falls
	A: UTI ELSS Tax Saver Fund	B: JM ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: Motilal Oswal ELSS Tax Saver Fund
Worst fallBiggest drop from a high, and when	−59.9%Jan 2008 – Mar 2009	−69.0%May 2008 – Mar 2009

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: UTI ELSS Tax Saver Fund	B: JM ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: Motilal Oswal ELSS Tax Saver Fund
3-year stretches that made moneyOut of every 3-year stretch on record	94%	87%

Risk level

A: UTI ELSS Tax Saver FundVery High
From the fund house, as of 31 Aug 2026
B: JM ELSS Tax Saver FundSee the fund house's risk level
C: WhiteOak Capital Tax Saver FundVery High
From the fund house, as of 30 Sept 2026
D: Motilal Oswal ELSS Tax Saver FundVery High
From the fund house, as of 30 Sept 2026

Often used for

What funds of this type are usually for

A: UTI ELSS Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.
B: JM ELSS Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.
C: WhiteOak Capital Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.
D: Motilal Oswal ELSS Tax Saver FundSaving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.

Smallest SIP

The basics
	A: UTI ELSS Tax Saver Fund	B: JM ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: Motilal Oswal ELSS Tax Saver Fund
Risk level	Very HighFrom the fund house, as of 31 Aug 2026	See the fund house's risk level

Return in each calendar year.

Year by year
	A: UTI ELSS Tax Saver Fund	B: JM ELSS Tax Saver Fund	C: WhiteOak Capital Tax Saver Fund	D: Motilal Oswal ELSS Tax Saver Fund
2026 so far (total, not a yearly rate)	−7.9%	+1.6%	−1.8%	+8.4%Higher
2025	+4.5%Higher	+2.5%	+3.2%	−9.1%
2024	+13.9%	+29.0%	+28.2%	+47.7%Higher
2023	+24.3%	+30.9%	+32.2%	+37.0%Higher
2022	−3.5%	+0.5%	Not enough history	+1.8%Higher
2021	+33.1%Higher	+32.2%	Not enough history	+32.1%

Past performance may or may not be sustained in future and is not a guarantee of future returns.

Worst 3-year stretchA year, from the unluckiest start date	−10.5%Apr 2006 – Apr 2009	−13.2%May 2008 – May 2011	+12.7%Smaller fallOct 2023 – Oct 2026	−3.7%May 2017 – May 2020

Worst calendar yearThe year and its return	−54.7%in 2008	−31.0%in 2011	+3.2%Smaller fallin 2025	−9.1%in 2025

Ups and downsLast 3 years. Lower is steadier.	12.9%Steadier	16.1%	14.2%	19.2%

Typical 3-year returnThe middle of all 3-year stretches, a year	+11.8%	+15.7%	+18.6%Steadier	+17.6%

Often used forWhat funds of this type are usually for	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.	Saving tax under Section 80C, under current law. Only in the old tax regime. Each investment is locked for 3 years.