5 Best Performing ELSS Mutual Funds SIP 2025 for Tax Savings u/s 80c

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

Best ELSS Mutual Funds for SIP Investment in 2025

Updated on May 15, 2025 , 5258 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

Lump sum Investment
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..

Tata India Tax Savings Fund is a Equity - ELSS fund was launched on 13 Oct 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.9% since its launch. Ranked 1 in ELSS category. Return for 2024 was 19.5% , 2023 was 24% and 2022 was 5.9% .

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (16 May 25)	₹43.4528 ↑ 0.04 (0.10 %)
Net Assets (Cr)	₹4,335 on 31 Mar 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	0.22
Information Ratio	-0.15
Alpha Ratio	3.19
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹14,711
30 Apr 22	₹17,497
30 Apr 23	₹18,556
30 Apr 24	₹24,997
30 Apr 25	₹26,677

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 16 May 25

Duration	Returns
1 Month	6.1%
3 Month	9.1%
6 Month	1.3%
1 Year	12.1%
3 Year	19.7%
5 Year	24.3%
10 Year
15 Year
Since launch	14.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Sailesh Jain	16 Dec 21	3.37 Yr.
Tejas Gutka	9 Mar 21	4.15 Yr.

Data below for Tata India Tax Savings Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	34.65%
Consumer Cyclical	14.48%
Industrials	12.7%
Basic Materials	6.86%
Technology	6.65%
Energy	5.57%
Communication Services	4.29%
Health Care	3.63%
Utility	2.78%
Real Estate	2.27%
Consumer Defensive	1.24%

Asset Allocation

Asset Class	Value
Cash	4.87%
Equity	95.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	8%	₹332 Cr	1,725,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	7%	₹303 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹190 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹175 Cr	940,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹174 Cr	1,160,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹172 Cr	2,175,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹154 Cr	1,300,000
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹122 Cr	3,451,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹118 Cr	352,147
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Mar 22 \| 500034	2%	₹92 Cr	107,000

2. IDFC 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.

IDFC Tax Advantage (ELSS) Fund is a Equity - ELSS fund was launched on 26 Dec 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18% since its launch. Ranked 3 in ELSS category. Return for 2024 was 13.1% , 2023 was 28.3% and 2022 was 4.2% .

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

IDFC Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (16 May 25)	₹149.911 ↑ 0.29 (0.19 %)
Net Assets (Cr)	₹6,597 on 31 Mar 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	-0.2
Information Ratio	-0.23
Alpha Ratio	-3.29
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹17,738
30 Apr 22	₹22,406
30 Apr 23	₹23,289
30 Apr 24	₹32,261
30 Apr 25	₹33,404

IDFC Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for IDFC 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 16 May 25

Duration	Returns
1 Month	5.9%
3 Month	8.9%
6 Month	2.6%
1 Year	6.7%
3 Year	18.9%
5 Year	29.4%
10 Year
15 Year
Since launch	18%

Historical performance (Yearly) on absolute basis

Year	Returns
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 IDFC Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	8.53 Yr.
Ritika Behera	7 Oct 23	1.57 Yr.
Gaurav Satra	10 Jun 24	0.89 Yr.

Data below for IDFC Tax Advantage (ELSS) Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	31.67%
Basic Materials	9.05%
Consumer Cyclical	9.02%
Consumer Defensive	8.24%
Technology	8.2%
Energy	7.12%
Health Care	6.87%
Industrials	6.78%
Communication Services	2.63%
Utility	2.32%
Real Estate	1.26%

Asset Allocation

Asset Class	Value
Cash	6.83%
Equity	93.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹521 Cr	2,850,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	6%	₹408 Cr	3,200,000 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	6%	₹364 Cr	2,700,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	5%	₹320 Cr	2,900,000 ↑ 100,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹252 Cr	700,000 ↑ 25,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹212 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	3%	₹173 Cr	1,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	3%	₹168 Cr	775,000 ↑ 25,000
Jindal Steel & Power Ltd (Basic Materials) Equity, Since 31 Mar 18 \| 532286	2%	₹137 Cr	1,500,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Aug 17 \| 500093	2%	₹121 Cr	1,900,000

3. DSP BlackRock 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.

DSP BlackRock Tax Saver Fund is a Equity - ELSS fund was launched on 18 Jan 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.4% since its launch. Ranked 12 in ELSS category. Return for 2024 was 23.9% , 2023 was 30% and 2022 was 4.5% .

Below is the key information for DSP BlackRock Tax Saver Fund

DSP BlackRock Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (16 May 25)	₹138.435 ↑ 0.41 (0.30 %)
Net Assets (Cr)	₹16,218 on 31 Mar 25
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.78
Sharpe Ratio	0.59
Information Ratio	1.2
Alpha Ratio	9.35
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹15,745
30 Apr 22	₹18,764
30 Apr 23	₹19,584
30 Apr 24	₹28,192
30 Apr 25	₹31,907

DSP BlackRock Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for DSP BlackRock 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 16 May 25

Duration	Returns
1 Month	5%
3 Month	10.6%
6 Month	4.3%
1 Year	16.1%
3 Year	23.4%
5 Year	28.1%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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 BlackRock Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	9.8 Yr.

Data below for DSP BlackRock Tax Saver Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	35.17%
Health Care	10.51%
Consumer Cyclical	9.47%
Basic Materials	9.04%
Technology	6.41%
Industrials	6.08%
Consumer Defensive	5.06%
Communication Services	4.81%
Energy	4.35%
Utility	3.99%

Asset Allocation

Asset Class	Value
Cash	5.1%
Equity	94.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,180 Cr	6,455,598 ↓ -913,758
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	6%	₹987 Cr	7,317,696 ↓ -300,506
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	5%	₹809 Cr	7,344,442
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	4%	₹686 Cr	8,889,923 ↑ 485,182
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	4%	₹593 Cr	2,729,470 ↓ -5,443
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹471 Cr	2,718,368 ↑ 201,283
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	3%	₹419 Cr	2,666,937
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 24 \| LT	3%	₹417 Cr	1,192,711
Cipla Ltd (Healthcare) Equity, Since 30 Apr 23 \| 500087	2%	₹363 Cr	2,514,972 ↑ 104,526
HCL Technologies Ltd (Technology) Equity, Since 31 Mar 21 \| HCLTECH	2%	₹362 Cr	2,270,114

4. L&T Tax Advantage Fund

To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

L&T Tax Advantage Fund is a Equity - ELSS fund was launched on 27 Feb 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.3% since its launch. Ranked 7 in ELSS category. Return for 2024 was 33% , 2023 was 28.4% and 2022 was -3% .

Below is the key information for L&T Tax Advantage Fund

L&T Tax Advantage Fund Growth
Launch Date	27 Feb 06
NAV (16 May 25)	₹131.398 ↑ 0.71 (0.55 %)
Net Assets (Cr)	₹3,871 on 31 Mar 25
Category	Equity - ELSS
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.89
Sharpe Ratio	0.38
Information Ratio	0.34
Alpha Ratio	6.76
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹14,985
30 Apr 22	₹17,122
30 Apr 23	₹17,906
30 Apr 24	₹25,770
30 Apr 25	₹27,746

L&T Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for L&T Tax 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 16 May 25

Duration	Returns
1 Month	7%
3 Month	12%
6 Month	2.3%
1 Year	11.9%
3 Year	23.6%
5 Year	25.3%
10 Year
15 Year
Since launch	14.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	33%
2023	28.4%
2022	-3%
2021	30.3%
2020	13.5%
2019	4.6%
2018	-8.1%
2017	42.3%
2016	8.1%
2015	2.9%

Fund Manager information for L&T Tax Advantage Fund

Name	Since	Tenure
Gautam Bhupal	26 Nov 22	2.43 Yr.
Sonal Gupta	21 Jul 21	3.78 Yr.
Abhishek Gupta	1 Mar 24	1.17 Yr.

Data below for L&T Tax Advantage Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	25.24%
Consumer Cyclical	18.89%
Industrials	17.71%
Technology	10.69%
Basic Materials	6.73%
Health Care	5.91%
Energy	4.25%
Consumer Defensive	3.36%
Utility	3.33%
Communication Services	2.09%
Real Estate	1.42%

Asset Allocation

Asset Class	Value
Cash	0.38%
Equity	99.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 06 \| HDFCBANK	5%	₹213 Cr	1,162,500
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 09 \| ICICIBANK	4%	₹156 Cr	1,155,500
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	3%	₹122 Cr	774,900
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	3%	₹121 Cr	951,812
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 22 \| LT	3%	₹105 Cr	301,450
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	2%	₹85 Cr	1,291,500
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	2%	₹81 Cr	467,000
State Bank of India (Financial Services) Equity, Since 31 Jan 19 \| SBIN	2%	₹76 Cr	984,432
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 21 \| PERSISTENT	2%	₹73 Cr	133,000
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 23 \| 500251	2%	₹69 Cr	128,900

5. 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

Aditya Birla Sun Life Tax Relief '96 is a Equity - ELSS fund was launched on 6 Mar 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 10.8% since its launch. Ranked 4 in ELSS category. Return for 2024 was 16.4% , 2023 was 18.9% and 2022 was -1.4% .

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 (16 May 25)	₹58.62 ↑ 0.15 (0.26 %)
Net Assets (Cr)	₹14,462 on 31 Mar 25
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.69
Sharpe Ratio	0.09
Information Ratio	-1.18
Alpha Ratio	0.72
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹13,492
30 Apr 22	₹14,251
30 Apr 23	₹14,090
30 Apr 24	₹18,896
30 Apr 25	₹20,089

Aditya Birla Sun Life Tax Relief '96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 16 May 25

Duration	Returns
1 Month	7%
3 Month	11.1%
6 Month	3.8%
1 Year	10.3%
3 Year	16.9%
5 Year	17.2%
10 Year
15 Year
Since launch	10.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Dhaval Shah	31 Oct 24	0.5 Yr.
Dhaval Joshi	21 Nov 22	2.44 Yr.

Data below for Aditya Birla Sun Life Tax Relief '96 as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	27.77%
Consumer Cyclical	13.94%
Health Care	10.53%
Industrials	10.26%
Basic Materials	9.47%
Technology	8.05%
Consumer Defensive	6.42%
Energy	6.21%
Communication Services	3.77%
Utility	1.4%
Real Estate	0.6%

Asset Allocation

Asset Class	Value
Cash	1.59%
Equity	98.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,232 Cr	9,137,798
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	5%	₹727 Cr	4,631,429
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	5%	₹716 Cr	3,915,495
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| 532215	4%	₹558 Cr	5,060,879
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	4%	₹545 Cr	3,146,277
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jan 20 \| 532843	4%	₹534 Cr	7,646,735
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	3%	₹479 Cr	3,760,426 ↓ -1,360,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 08 \| LT	3%	₹455 Cr	1,301,782 ↓ -65,000
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	3%	₹373 Cr	4,828,465
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Jan 24 \| 540376	2%	₹346 Cr	846,575

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.