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Best ELSS Mutual Funds for SIP Investment in 2025

Updated on August 7, 2025 , 5389 views

Best elss Funds or Equity Linked Savings Schemes are equity diversified Mutual Funds that majorly invest in equity-linked instruments (like shares and stocks) to provide Market-linked returns. Typically, 80% of the fund corpus is invested in equity and the remaining in debt instruments. Best ELSS funds are also known as the tax saving Mutual Funds as they offer tax benefits under Section 80C of the income tax Act. Moreover, the ELSS Mutual Funds are open-ended & offer 2 modes of investments

  1. Lump sum Investment
  2. SIP (Systematic Investment plan) Investment

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Top 5 Best Performing ELSS Mutual Funds SIP FY 25 - 26

1. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Research Highlights for Tata India Tax Savings Fund

  • Bottom quartile AUM (₹4,711 Cr).
  • Established history (10+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.75% (lower mid).
  • 3Y return: 14.94% (bottom quartile).
  • 1Y return: 0.34% (lower mid).
  • Alpha: -0.42 (bottom quartile).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: -0.31 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding HDFC Bank Ltd (~7.3%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund
Growth
Launch Date 13 Oct 14
NAV (08 Aug 25) ₹43.0591 ↓ -0.46   (-1.06 %)
Net Assets (Cr) ₹4,711 on 30 Jun 25
Category Equity - ELSS
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio -0.02
Information Ratio -0.31
Alpha Ratio -0.42
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹14,788
31 Jul 22₹16,197
31 Jul 23₹19,199
31 Jul 24₹25,864
31 Jul 25₹25,568

Tata India Tax Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for Tata India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.1%
3 Month 3.2%
6 Month 2.9%
1 Year 0.3%
3 Year 14.9%
5 Year 19.7%
10 Year
15 Year
Since launch 14.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.5%
2023 24%
2022 5.9%
2021 30.4%
2020 11.9%
2019 13.6%
2018 -8.4%
2017 46%
2016 2.1%
2015 13.3%
Fund Manager information for Tata India Tax Savings Fund
NameSinceTenure
Rahul Singh1 Jul 250.08 Yr.
Sailesh Jain16 Dec 213.63 Yr.

Data below for Tata India Tax Savings Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services34.15%
Consumer Cyclical14.22%
Industrials13.87%
Basic Materials6.85%
Technology6.75%
Energy5.51%
Communication Services4.32%
Health Care3.23%
Real Estate2.46%
Utility2.45%
Consumer Defensive1%
Asset Allocation
Asset ClassValue
Cash5.19%
Equity94.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK
7%₹345 Cr1,725,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | 532174
7%₹307 Cr2,125,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE
4%₹203 Cr1,350,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 19 | BHARTIARTL
4%₹189 Cr940,000
Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY
4%₹186 Cr1,160,000
State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN
4%₹178 Cr2,175,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 532215
3%₹156 Cr1,300,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 16 | LT
3%₹129 Cr352,147
NTPC Ltd (Utilities)
Equity, Since 30 Jun 21 | 532555
2%₹116 Cr3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical)
Equity, Since 30 Nov 22 | MOTHERSON
2%₹105 Cr6,800,000

2. Bandhan Tax Advantage (ELSS) Fund

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities. There can be no assurance that the investment objective of the scheme will be realised.

Research Highlights for Bandhan Tax Advantage (ELSS) Fund

  • Lower mid AUM (₹7,151 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.40% (top quartile).
  • 3Y return: 14.94% (lower mid).
  • 1Y return: -2.81% (bottom quartile).
  • Alpha: -2.56 (bottom quartile).
  • Sharpe: -0.21 (bottom quartile).
  • Information ratio: -0.30 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding HDFC Bank Ltd (~8.0%).

Below is the key information for Bandhan Tax Advantage (ELSS) Fund

Bandhan Tax Advantage (ELSS) Fund
Growth
Launch Date 26 Dec 08
NAV (08 Aug 25) ₹147.227 ↓ -1.55   (-1.04 %)
Net Assets (Cr) ₹7,151 on 30 Jun 25
Category Equity - ELSS
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.79
Sharpe Ratio -0.21
Information Ratio -0.3
Alpha Ratio -2.56
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹17,656
31 Jul 22₹18,991
31 Jul 23₹23,480
31 Jul 24₹31,323
31 Jul 25₹30,039

Bandhan Tax Advantage (ELSS) Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for Bandhan Tax Advantage (ELSS) Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.7%
3 Month 2.1%
6 Month 2.7%
1 Year -2.8%
3 Year 14.9%
5 Year 23.4%
10 Year
15 Year
Since launch 17.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 13.1%
2023 28.3%
2022 4.2%
2021 49.2%
2020 18.7%
2019 1.9%
2018 -9.4%
2017 53.4%
2016 0.4%
2015 6.9%
Fund Manager information for Bandhan Tax Advantage (ELSS) Fund
NameSinceTenure
Daylynn Pinto20 Oct 168.78 Yr.
Ritika Behera7 Oct 231.82 Yr.
Gaurav Satra10 Jun 241.14 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services32.41%
Consumer Cyclical9.71%
Basic Materials9.36%
Technology8.87%
Consumer Defensive8.17%
Energy7.85%
Health Care6.2%
Industrials5.33%
Communication Services2.81%
Real Estate1.98%
Utility1.87%
Asset Allocation
Asset ClassValue
Cash5.18%
Equity94.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK
8%₹570 Cr2,850,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE
7%₹495 Cr3,300,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | 532174
5%₹390 Cr2,700,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 532215
4%₹300 Cr2,500,001
↓ -399,999
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 21 | TCS
4%₹294 Cr850,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | KOTAKBANK
3%₹249 Cr1,149,999
↑ 149,999
Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY
3%₹216 Cr1,350,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL
3%₹201 Cr1,000,000
Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | HEROMOTOCO
2%₹148 Cr350,000
Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 532286
2%₹141 Cr1,500,000

3. Aditya Birla Sun Life Tax Relief '96

An Open-ended equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities

Research Highlights for Aditya Birla Sun Life Tax Relief '96

  • Upper mid AUM (₹15,870 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.85% (bottom quartile).
  • 3Y return: 13.26% (bottom quartile).
  • 1Y return: 1.77% (upper mid).
  • Alpha: 0.36 (lower mid).
  • Sharpe: 0.04 (lower mid).
  • Information ratio: -1.34 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding ICICI Bank Ltd (~8.3%).

Below is the key information for Aditya Birla Sun Life Tax Relief '96

Aditya Birla Sun Life Tax Relief '96
Growth
Launch Date 6 Mar 08
NAV (08 Aug 25) ₹59.19 ↓ -0.51   (-0.85 %)
Net Assets (Cr) ₹15,870 on 30 Jun 25
Category Equity - ELSS
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.69
Sharpe Ratio 0.04
Information Ratio -1.34
Alpha Ratio 0.36
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹13,519
31 Jul 22₹13,332
31 Jul 23₹14,822
31 Jul 24₹20,110
31 Jul 25₹20,113

Aditya Birla Sun Life Tax Relief '96 SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for Aditya Birla Sun Life Tax Relief '96

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -3.1%
3 Month 5.6%
6 Month 7.4%
1 Year 1.8%
3 Year 13.3%
5 Year 13.9%
10 Year
15 Year
Since launch 10.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 16.4%
2023 18.9%
2022 -1.4%
2021 12.7%
2020 15.2%
2019 4.3%
2018 -4.5%
2017 43.2%
2016 3.4%
2015 9.2%
Fund Manager information for Aditya Birla Sun Life Tax Relief '96
NameSinceTenure
Dhaval Shah31 Oct 240.75 Yr.
Dhaval Joshi21 Nov 222.69 Yr.

Data below for Aditya Birla Sun Life Tax Relief '96 as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services31.64%
Consumer Cyclical14.73%
Health Care10.89%
Technology8.26%
Basic Materials7.63%
Industrials7.5%
Consumer Defensive6.85%
Energy6.23%
Communication Services3.5%
Utility1.2%
Real Estate0.75%
Asset Allocation
Asset ClassValue
Cash0.82%
Equity99.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 532174
8%₹1,321 Cr9,137,798
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK
7%₹1,156 Cr5,775,252
Infosys Ltd (Technology)
Equity, Since 30 Jun 08 | INFY
5%₹761 Cr4,749,292
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 08 | 532215
4%₹607 Cr5,060,879
Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Jan 20 | 532843
4%₹607 Cr7,634,241
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE
4%₹564 Cr3,760,426
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 22 | BHARTIARTL
3%₹555 Cr2,761,864
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 08 | LT
3%₹404 Cr1,101,782
State Bank of India (Financial Services)
Equity, Since 31 Jan 22 | SBIN
2%₹396 Cr4,828,465
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Dec 22 | M&M
2%₹377 Cr1,184,660

4. DSP Tax Saver Fund

The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors to avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time.

Research Highlights for DSP Tax Saver Fund

  • Highest AUM (₹17,428 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.16% (upper mid).
  • 3Y return: 18.78% (upper mid).
  • 1Y return: 0.02% (bottom quartile).
  • Alpha: 2.27 (top quartile).
  • Sharpe: 0.16 (upper mid).
  • Information ratio: 0.83 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding HDFC Bank Ltd (~6.9%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund
Growth
Launch Date 18 Jan 07
NAV (08 Aug 25) ₹134.904 ↓ -1.12   (-0.82 %)
Net Assets (Cr) ₹17,428 on 30 Jun 25
Category Equity - ELSS
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.68
Sharpe Ratio 0.16
Information Ratio 0.83
Alpha Ratio 2.27
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹16,394
31 Jul 22₹16,967
31 Jul 23₹20,014
31 Jul 24₹29,739
31 Jul 25₹29,503

DSP Tax Saver Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for DSP Tax Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.9%
3 Month 0.8%
6 Month 3.5%
1 Year 0%
3 Year 18.8%
5 Year 23.2%
10 Year
15 Year
Since launch 15.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 23.9%
2023 30%
2022 4.5%
2021 35.1%
2020 15%
2019 14.8%
2018 -7.6%
2017 36.3%
2016 11.3%
2015 4.4%
Fund Manager information for DSP Tax Saver Fund
NameSinceTenure
Rohit Singhania16 Jul 1510.05 Yr.

Data below for DSP Tax Saver Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services36.47%
Consumer Cyclical10.34%
Health Care9.79%
Basic Materials8.46%
Technology7.78%
Industrials5.36%
Communication Services4.93%
Consumer Defensive4.75%
Energy4.21%
Utility3.67%
Asset Allocation
Asset ClassValue
Cash4.24%
Equity95.76%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK
7%₹1,206 Cr6,025,183
↓ -430,415
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 16 | 532174
6%₹1,058 Cr7,317,696
State Bank of India (Financial Services)
Equity, Since 30 Jun 20 | SBIN
6%₹1,046 Cr12,750,639
↑ 1,472,805
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
5%₹955 Cr7,961,062
↑ 1,599,904
Infosys Ltd (Technology)
Equity, Since 31 Mar 12 | INFY
4%₹781 Cr4,874,543
↑ 1,739,101
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jul 19 | BHARTIARTL
3%₹529 Cr2,634,816
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | KOTAKBANK
3%₹446 Cr2,062,430
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | M&M
2%₹404 Cr1,269,729
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 24 | LT
2%₹392 Cr1,068,068
Cipla Ltd (Healthcare)
Equity, Since 30 Apr 23 | 500087
2%₹379 Cr2,514,972

5. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

  • Bottom quartile AUM (₹1,318 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.39% (bottom quartile).
  • 3Y return: 20.64% (top quartile).
  • 1Y return: 35.51% (top quartile).
  • Alpha: 1.75 (upper mid).
  • Sharpe: 2.27 (top quartile).
  • Information ratio: -0.15 (upper mid).

Below is the key information for HDFC Long Term Advantage Fund

HDFC Long Term Advantage Fund
Growth
Launch Date 2 Jan 01
NAV (14 Jan 22) ₹595.168 ↑ 0.28   (0.05 %)
Net Assets (Cr) ₹1,318 on 30 Nov 21
Category Equity - ELSS
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.25
Sharpe Ratio 2.27
Information Ratio -0.15
Alpha Ratio 1.75
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹15,844

HDFC Long Term Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Purchase not allowed

Returns for HDFC Long Term Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month 4.4%
3 Month 1.2%
6 Month 15.4%
1 Year 35.5%
3 Year 20.6%
5 Year 17.4%
10 Year
15 Year
Since launch 21.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for HDFC Long Term Advantage Fund
NameSinceTenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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