+91-22-489139098 Best ELSS Tax Saving Mutual Funds 2026
With the financial year coming to an end, it is the time to begin your Tax Planning. With so many tax savings options in India, ELSS stands out the best because they offer benefits beyond tax savings.
ELSS or Equity Linked Saving Schemes comes with a lock-in period of 3 years, which is the shortest holding compared to all other tax savings. By Investing in ELSS, one can attain deductions upto INR 1,50,000 from their taxable income as per the Section 80C of income tax Act. As, ELSS funds are equity diversified with a major portion of the fund being invested in equity & related products, they provide equity returns too. This means that investors can also earn equity returns on their investments.
Before we look at some of the other important features of this scheme, let’s check the best ELSS tax saving Mutual Funds for 2026 – 2027.
Why Choose ELSS for Tax Savings?
The other major benefits of ELSS are:
Tax Free Returns
As per the Budget 2018, ELSS would attract Long Term Capital Gains (LTCG). Investors would be taxed at 10% (with no indexation) under long term capital gain tax. Gains up to INR 1 lakh are free of tax. Tax at 10% applies to gains above INR 1 lakh.
Minimum Investment Amount
By taking a SIP route, investors can invest an amount as low as INR 500. This allows an individual to save money every month instead of a lump sum.
Equity Returns
Since these mutual funds invest in equity-related instruments, the money you invest grows as the stock market grows. So, the gains are high in ELSS Funds.
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Fund Selection Methodology used to find 8 funds
Best Performing ELSS Tax Saving Mutual Funds FY 26 - 27
Fund NAV Net Assets (Cr) Rating 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Motilal Oswal Long Term Equity Fund Growth ₹47.7651
↓ -0.32 ₹4,341 -9.7 -10.1 -3 20.9 17.7 -9.1 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 ☆☆☆ 1.2 15.4 35.5 20.6 17.4 Bandhan Tax Advantage (ELSS) Fund Growth ₹151.645
↓ -0.61 ₹7,333 ☆☆☆☆☆ -2.9 -0.6 7.2 14.3 17 8 Franklin India Taxshield Growth ₹1,438.69
↓ -7.61 ₹6,693 ☆☆ -4.3 -3.4 4.3 16.7 16.6 2.1 JM Tax Gain Fund Growth ₹47.1409
↓ -0.38 ₹226 ☆☆☆ -5.9 -3.7 2.7 18 15.9 2.5 BOI AXA Tax Advantage Fund Growth ₹154.4
↓ -0.75 ₹1,402 ☆☆☆ -4.1 -5.3 -1.1 15.3 15.4 -3.5 Kotak Tax Saver Fund Growth ₹113.209
↓ -0.69 ₹6,452 ☆☆☆ -4 -3 4.3 14.2 15.1 1.8 ICICI Prudential Long Term Equity Fund (Tax Saving) Growth ₹922.14
↓ -4.90 ₹14,769 ☆☆ -4.6 -0.7 9 15.1 14.8 9.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Jan 26 Research Highlights & Commentary of 8 Funds showcased
Commentary Motilal Oswal Long Term Equity Fund HDFC Long Term Advantage Fund Bandhan Tax Advantage (ELSS) Fund Franklin India Taxshield JM Tax Gain Fund BOI AXA Tax Advantage Fund Kotak Tax Saver Fund ICICI Prudential Long Term Equity Fund (Tax Saving) Point 1 Lower mid AUM (₹4,341 Cr). Bottom quartile AUM (₹1,318 Cr). Top quartile AUM (₹7,333 Cr). Upper mid AUM (₹6,693 Cr). Bottom quartile AUM (₹226 Cr). Lower mid AUM (₹1,402 Cr). Upper mid AUM (₹6,452 Cr). Highest AUM (₹14,769 Cr). Point 2 Established history (11+ yrs). Established history (25+ yrs). Established history (17+ yrs). Oldest track record among peers (26 yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (20+ yrs). Established history (26+ yrs). Point 3 Not Rated. Rating: 3★ (top quartile). Top rated. Rating: 2★ (lower mid). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 17.72% (top quartile). 5Y return: 17.39% (top quartile). 5Y return: 16.95% (upper mid). 5Y return: 16.58% (upper mid). 5Y return: 15.90% (lower mid). 5Y return: 15.43% (lower mid). 5Y return: 15.13% (bottom quartile). 5Y return: 14.78% (bottom quartile). Point 6 3Y return: 20.88% (top quartile). 3Y return: 20.64% (top quartile). 3Y return: 14.32% (bottom quartile). 3Y return: 16.71% (upper mid). 3Y return: 18.02% (upper mid). 3Y return: 15.26% (lower mid). 3Y return: 14.15% (bottom quartile). 3Y return: 15.13% (lower mid). Point 7 1Y return: -3.03% (bottom quartile). 1Y return: 35.51% (top quartile). 1Y return: 7.22% (upper mid). 1Y return: 4.30% (lower mid). 1Y return: 2.74% (lower mid). 1Y return: -1.08% (bottom quartile). 1Y return: 4.33% (upper mid). 1Y return: 8.96% (top quartile). Point 8 Alpha: -16.15 (bottom quartile). Alpha: 1.75 (top quartile). Alpha: 0.45 (upper mid). Alpha: -5.39 (lower mid). Alpha: -4.83 (upper mid). Alpha: -10.85 (bottom quartile). Alpha: -5.73 (lower mid). Alpha: 2.20 (top quartile). Point 9 Sharpe: -0.43 (bottom quartile). Sharpe: 2.27 (top quartile). Sharpe: 0.21 (upper mid). Sharpe: -0.22 (lower mid). Sharpe: -0.15 (upper mid). Sharpe: -0.36 (bottom quartile). Sharpe: -0.19 (lower mid). Sharpe: 0.36 (top quartile). Point 10 Information ratio: 0.53 (top quartile). Information ratio: -0.15 (bottom quartile). Information ratio: -0.08 (lower mid). Information ratio: 0.45 (upper mid). Information ratio: 0.65 (top quartile). Information ratio: 0.01 (upper mid). Information ratio: -0.35 (bottom quartile). Information ratio: -0.08 (lower mid). Motilal Oswal Long Term Equity Fund
HDFC Long Term Advantage Fund
Bandhan Tax Advantage (ELSS) Fund
Franklin India Taxshield
JM Tax Gain Fund
BOI AXA Tax Advantage Fund
Kotak Tax Saver Fund
ICICI Prudential Long Term Equity Fund (Tax Saving)
*Above is list of ELSS - Equity Mutual Funds having net assets between 100 - 15000 Crore & managing assets since last 3 years. Sorted on returns of last 5 years annualized/CAGR basis.
Who Can Invest in ELSS Fund?
Generally, ELSS Mutual Funds are suitable for all kinds of investors who are willing to take market-linked risks for tax planning and saving money. Anyone can invest in ELSS funds at any point of time in their life. However, it is suggested to invest in tax saving ELSS funds during the early stage of your career so that your money grows over time and you earn better returns.
Hence, save tax and earn good returns both at the same time by investing in Best elss Funds. Investors should be aware that amount invested in ELSS funds is locked for 3 Years.
Investors can invest in ELSS mutual funds as lumpsum (One Time) of SIP (Systematic Investment plan). It is advised for beginners to generally invest using SIP as it better suited for them.
(Erstwhile Motilal Oswal MOSt Focused Long Term Fund) 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. Below is the key information for Motilal Oswal Long Term Equity Fund Returns up to 1 year are on 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 Below is the key information for HDFC Long Term Advantage Fund Returns up to 1 year are on 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 Below is the key information for Bandhan Tax Advantage (ELSS) Fund Returns up to 1 year are on The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate Research Highlights for Franklin India Taxshield Below is the key information for Franklin India Taxshield Returns up to 1 year are on The investment objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities and to enable investors a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns. Research Highlights for JM Tax Gain Fund Below is the key information for JM Tax Gain Fund Returns up to 1 year are on The Scheme seeks to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities across all market capitalisations. The Scheme is in the nature of diversified multi-cap fund. The Scheme is not providing any assured or guaranteed returns.(There can be no assurance that the investment objectives of the Scheme will be realized.) Research Highlights for BOI AXA Tax Advantage Fund Below is the key information for BOI AXA Tax Advantage Fund Returns up to 1 year are on The investment objective of the scheme is to generate longterm capital appreciation from a diversified portfolio of equity and equity related securities and enable investors to avail the income tax rebate, as permitted from time to time. Research Highlights for Kotak Tax Saver Fund Below is the key information for Kotak Tax Saver Fund Returns up to 1 year are on To generate long-term capital appreciation through investments made primarily in equity and equity related securities of companies. Research Highlights for ICICI Prudential Long Term Equity Fund (Tax Saving) Below is the key information for ICICI Prudential Long Term Equity Fund (Tax Saving) Returns up to 1 year are on 1. Motilal Oswal Long Term Equity Fund
Motilal Oswal Long Term Equity Fund
Growth Launch Date 21 Jan 15 NAV (21 Jan 26) ₹47.7651 ↓ -0.32 (-0.66 %) Net Assets (Cr) ₹4,341 on 31 Dec 25 Category Equity - ELSS AMC Motilal Oswal Asset Management Co. Ltd Rating Risk Moderately High Expense Ratio 1.65 Sharpe Ratio -0.43 Information Ratio 0.53 Alpha Ratio -16.15 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹13,206 31 Dec 22 ₹13,441 31 Dec 23 ₹18,420 31 Dec 24 ₹27,210 31 Dec 25 ₹24,741 Returns for Motilal Oswal Long Term Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -4.9% 3 Month -9.7% 6 Month -10.1% 1 Year -3% 3 Year 20.9% 5 Year 17.7% 10 Year 15 Year Since launch 15.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 -9.1% 2023 47.7% 2022 37% 2021 1.8% 2020 32.1% 2019 8.8% 2018 13.2% 2017 -8.7% 2016 44% 2015 12.5% Fund Manager information for Motilal Oswal Long Term Equity Fund
Name Since Tenure Ajay Khandelwal 11 Dec 23 2.06 Yr. Rakesh Shetty 22 Nov 22 3.11 Yr. Atul Mehra 1 Oct 24 1.25 Yr. Data below for Motilal Oswal Long Term Equity Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 28.84% Industrials 23.25% Consumer Cyclical 16.56% Technology 10.56% Basic Materials 8.31% Real Estate 3.96% Health Care 3.54% Consumer Defensive 1.96% Asset Allocation
Asset Class Value Cash 3.03% Equity 96.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX7% ₹289 Cr 259,208 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5433205% ₹222 Cr 8,000,000
↓ -970,581 Piramal Finance Ltd (Financial Services)
Equity, Since 30 Sep 25 | PIRAMALFIN5% ₹212 Cr 1,288,233
↑ 9,000 Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Jun 25 | 5333985% ₹208 Cr 546,874 PTC Industries Ltd (Industrials)
Equity, Since 30 Sep 24 | 5390064% ₹186 Cr 100,321 One97 Communications Ltd (Technology)
Equity, Since 30 Jun 25 | 5433964% ₹176 Cr 1,351,856
↑ 94,889 Waaree Energies Ltd (Technology)
Equity, Since 31 Oct 24 | 5442774% ₹173 Cr 583,979 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | PRESTIGE4% ₹172 Cr 1,077,437 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Mar 24 | AMBER4% ₹165 Cr 259,006
↑ 18,656 Apar Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | APARINDS4% ₹163 Cr 194,366
↑ 9,736 2. 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.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹13,487
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 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
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for HDFC Long Term Advantage Fund
Name Since Tenure Data below for HDFC Long Term Advantage Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. Bandhan Tax Advantage (ELSS) Fund
Bandhan Tax Advantage (ELSS) Fund
Growth Launch Date 26 Dec 08 NAV (21 Jan 26) ₹151.645 ↓ -0.61 (-0.40 %) Net Assets (Cr) ₹7,333 on 31 Dec 25 Category Equity - ELSS AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.74 Sharpe Ratio 0.21 Information Ratio -0.08 Alpha Ratio 0.45 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹14,920 31 Dec 22 ₹15,547 31 Dec 23 ₹19,946 31 Dec 24 ₹22,561 31 Dec 25 ₹24,360 Returns for Bandhan Tax Advantage (ELSS) Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -4% 3 Month -2.9% 6 Month -0.6% 1 Year 7.2% 3 Year 14.3% 5 Year 17% 10 Year 15 Year Since launch 17.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 13.1% 2022 28.3% 2021 4.2% 2020 49.2% 2019 18.7% 2018 1.9% 2017 -9.4% 2016 53.4% 2015 0.4% Fund Manager information for Bandhan Tax Advantage (ELSS) Fund
Name Since Tenure Daylynn Pinto 20 Oct 16 9.21 Yr. Ritika Behera 7 Oct 23 2.24 Yr. Gaurav Satra 10 Jun 24 1.56 Yr. Data below for Bandhan Tax Advantage (ELSS) Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 34.22% Technology 11.26% Consumer Cyclical 9.13% Consumer Defensive 8.85% Basic Materials 7.55% Energy 7.43% Health Care 5.65% Industrials 4.16% Communication Services 2.94% Real Estate 2.03% Utility 1.84% Asset Allocation
Asset Class Value Cash 4.93% Equity 95.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK8% ₹585 Cr 5,900,000
↑ 200,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE7% ₹518 Cr 3,300,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | 5321745% ₹363 Cr 2,700,000
↑ 200,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 21 | TCS5% ₹353 Cr 1,100,000
↑ 50,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | KOTAKBANK4% ₹308 Cr 1,400,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 5322153% ₹241 Cr 1,900,000 State Bank of India (Financial Services)
Equity, Since 30 Jun 20 | SBIN3% ₹226 Cr 2,300,000 Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY3% ₹206 Cr 1,275,000
↓ -125,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL2% ₹169 Cr 801,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | MARUTI2% ₹167 Cr 100,000 4. Franklin India Taxshield
Franklin India Taxshield
Growth Launch Date 10 Apr 99 NAV (21 Jan 26) ₹1,438.69 ↓ -7.61 (-0.53 %) Net Assets (Cr) ₹6,693 on 31 Dec 25 Category Equity - ELSS AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderately High Expense Ratio 1.81 Sharpe Ratio -0.22 Information Ratio 0.45 Alpha Ratio -5.39 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹13,670 31 Dec 22 ₹14,408 31 Dec 23 ₹18,905 31 Dec 24 ₹23,148 31 Dec 25 ₹23,623 Returns for Franklin India Taxshield
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -3.6% 3 Month -4.3% 6 Month -3.4% 1 Year 4.3% 3 Year 16.7% 5 Year 16.6% 10 Year 15 Year Since launch 20.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2.1% 2023 22.4% 2022 31.2% 2021 5.4% 2020 36.7% 2019 9.8% 2018 5.1% 2017 -3% 2016 29.1% 2015 4.7% Fund Manager information for Franklin India Taxshield
Name Since Tenure R. Janakiraman 2 May 16 9.67 Yr. Rajasa Kakulavarapu 1 Dec 23 2.09 Yr. Data below for Franklin India Taxshield as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 32.3% Industrials 13.24% Consumer Cyclical 10.54% Technology 8.94% Consumer Defensive 6.14% Basic Materials 5.41% Health Care 5.31% Utility 4.82% Communication Services 4.63% Energy 3.46% Real Estate 1.48% Asset Allocation
Asset Class Value Cash 3.74% Equity 96.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK10% ₹646 Cr 6,520,834 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5321747% ₹443 Cr 3,297,903 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT5% ₹361 Cr 883,853 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 5322155% ₹315 Cr 2,477,634 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL5% ₹310 Cr 1,471,571 Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY5% ₹303 Cr 1,876,441
↓ -46,300 State Bank of India (Financial Services)
Equity, Since 31 Aug 15 | SBIN4% ₹278 Cr 2,833,344 HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH4% ₹237 Cr 1,462,587 Reliance Industries Ltd (Energy)
Equity, Since 31 May 22 | RELIANCE3% ₹231 Cr 1,472,922 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Nov 17 | KOTAKBANK3% ₹219 Cr 996,211 5. JM Tax Gain Fund
JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (21 Jan 26) ₹47.1409 ↓ -0.38 (-0.80 %) Net Assets (Cr) ₹226 on 31 Dec 25 Category Equity - ELSS AMC JM Financial Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.37 Sharpe Ratio -0.15 Information Ratio 0.65 Alpha Ratio -4.83 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹13,216 31 Dec 22 ₹13,287 31 Dec 23 ₹17,394 31 Dec 24 ₹22,441 31 Dec 25 ₹23,005 Returns for JM Tax Gain Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -5.7% 3 Month -5.9% 6 Month -3.7% 1 Year 2.7% 3 Year 18% 5 Year 15.9% 10 Year 15 Year Since launch 9.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 2.5% 2023 29% 2022 30.9% 2021 0.5% 2020 32.2% 2019 18.3% 2018 14.9% 2017 -4.6% 2016 42.6% 2015 5.2% Fund Manager information for JM Tax Gain Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 1.25 Yr. Asit Bhandarkar 31 Dec 21 4.01 Yr. Ruchi Fozdar 4 Oct 24 1.24 Yr. Deepak Gupta 11 Apr 25 0.73 Yr. Data below for JM Tax Gain Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 28.22% Consumer Cyclical 14.93% Technology 11.54% Industrials 10.99% Health Care 9.41% Basic Materials 9.14% Consumer Defensive 3.95% Energy 3.7% Real Estate 3.67% Communication Services 2.37% Asset Allocation
Asset Class Value Cash 2.08% Equity 97.92% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK4% ₹10 Cr 98,262 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 25 | RELIANCE4% ₹8 Cr 53,400 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT4% ₹8 Cr 19,647 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI3% ₹7 Cr 3,956 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | 5321743% ₹7 Cr 48,500
↓ -7,500 Max Financial Services Ltd (Financial Services)
Equity, Since 31 May 25 | 5002713% ₹6 Cr 36,400 Travel Food Services Ltd (Consumer Cyclical)
Equity, Since 31 Jul 25 | TRAVELFOOD3% ₹6 Cr 49,598
↑ 11,107 One97 Communications Ltd (Technology)
Equity, Since 31 May 25 | 5433963% ₹6 Cr 43,800
↓ -3,700 OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE2% ₹6 Cr 31,195 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL2% ₹5 Cr 25,450 6. BOI AXA Tax Advantage Fund
BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (21 Jan 26) ₹154.4 ↓ -0.75 (-0.48 %) Net Assets (Cr) ₹1,402 on 31 Dec 25 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.09 Sharpe Ratio -0.36 Information Ratio 0.01 Alpha Ratio -10.85 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹14,145 31 Dec 22 ₹13,968 31 Dec 23 ₹18,825 31 Dec 24 ₹22,891 31 Dec 25 ₹22,079 Returns for BOI AXA Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -3% 3 Month -4.1% 6 Month -5.3% 1 Year -1.1% 3 Year 15.3% 5 Year 15.4% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.5% 2023 21.6% 2022 34.8% 2021 -1.3% 2020 41.5% 2019 31.2% 2018 14.6% 2017 -16.3% 2016 57.7% 2015 -1.2% Fund Manager information for BOI AXA Tax Advantage Fund
Name Since Tenure Alok Singh 27 Apr 22 3.69 Yr. Data below for BOI AXA Tax Advantage Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 23.53% Industrials 17.78% Basic Materials 17.52% Consumer Cyclical 8.52% Utility 6.18% Consumer Defensive 6.04% Technology 5.74% Communication Services 3.53% Energy 2.52% Health Care 2% Real Estate 1.48% Asset Allocation
Asset Class Value Cash 5.18% Equity 94.82% Top Securities Holdings / Portfolio
Name Holding Value Quantity Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 5002956% ₹85 Cr 1,412,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN5% ₹65 Cr 664,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5321744% ₹54 Cr 405,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 24 | BHARTIARTL4% ₹49 Cr 235,000 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL3% ₹46 Cr 105,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Jun 25 | ITC3% ₹45 Cr 1,120,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK3% ₹43 Cr 437,532 Ambuja Cements Ltd (Basic Materials)
Equity, Since 31 Mar 25 | 5004253% ₹38 Cr 685,662 Acutaas Chemicals Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433493% ₹38 Cr 221,000
↓ -29,000 HEG Ltd (Industrials)
Equity, Since 31 Dec 22 | HEG3% ₹36 Cr 580,000 7. Kotak Tax Saver Fund
Kotak Tax Saver Fund
Growth Launch Date 23 Nov 05 NAV (21 Jan 26) ₹113.209 ↓ -0.69 (-0.61 %) Net Assets (Cr) ₹6,452 on 31 Dec 25 Category Equity - ELSS AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.76 Sharpe Ratio -0.19 Information Ratio -0.35 Alpha Ratio -5.73 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹13,324 31 Dec 22 ₹14,246 31 Dec 23 ₹17,611 31 Dec 24 ₹21,456 31 Dec 25 ₹21,835 Returns for Kotak Tax Saver Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -3.1% 3 Month -4% 6 Month -3% 1 Year 4.3% 3 Year 14.2% 5 Year 15.1% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 1.8% 2023 21.8% 2022 23.6% 2021 6.9% 2020 33.2% 2019 14.9% 2018 12.7% 2017 -3.8% 2016 33.8% 2015 7.5% Fund Manager information for Kotak Tax Saver Fund
Name Since Tenure Harsha Upadhyaya 25 Aug 15 10.36 Yr. Data below for Kotak Tax Saver Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 31.7% Consumer Cyclical 12.48% Industrials 10.08% Basic Materials 9.84% Technology 9.66% Energy 7.28% Consumer Defensive 5.02% Health Care 4.96% Communication Services 4.49% Utility 3.66% Asset Allocation
Asset Class Value Cash 0.85% Equity 99.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | HDFCBANK9% ₹595 Cr 6,000,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN5% ₹309 Cr 3,150,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 5321745% ₹309 Cr 2,300,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 21 | BHARTIARTL4% ₹248 Cr 1,180,000 Infosys Ltd (Technology)
Equity, Since 31 Dec 05 | INFY3% ₹223 Cr 1,378,553
↓ -85,327 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 13 | 5322153% ₹216 Cr 1,700,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Aug 23 | 5327553% ₹215 Cr 1,350,000 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 29 Feb 24 | HINDPETRO3% ₹187 Cr 3,750,000 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | HEROMOTOCO3% ₹173 Cr 300,000 Britannia Industries Ltd (Consumer Defensive)
Equity, Since 30 Jun 25 | 5008253% ₹172 Cr 285,000 8. ICICI Prudential Long Term Equity Fund (Tax Saving)
ICICI Prudential Long Term Equity Fund (Tax Saving)
Growth Launch Date 19 Aug 99 NAV (21 Jan 26) ₹922.14 ↓ -4.90 (-0.53 %) Net Assets (Cr) ₹14,769 on 31 Dec 25 Category Equity - ELSS AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.72 Sharpe Ratio 0.36 Information Ratio -0.08 Alpha Ratio 2.2 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹13,373 31 Dec 22 ₹13,683 31 Dec 23 ₹16,863 31 Dec 24 ₹19,635 31 Dec 25 ₹21,582 Returns for ICICI Prudential Long Term Equity Fund (Tax Saving)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month -3.8% 3 Month -4.6% 6 Month -0.7% 1 Year 9% 3 Year 15.1% 5 Year 14.8% 10 Year 15 Year Since launch 18.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.9% 2023 16.4% 2022 23.2% 2021 2.3% 2020 33.7% 2019 13.6% 2018 8.8% 2017 0.5% 2016 26% 2015 3.9% Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)
Name Since Tenure Mittul Kalawadia 18 Sep 23 2.29 Yr. Sharmila D’mello 31 Jul 22 3.42 Yr. Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 28.28% Consumer Cyclical 17.28% Health Care 12.05% Industrials 8.3% Energy 7.54% Consumer Defensive 5.71% Basic Materials 4.77% Technology 4.36% Utility 4.17% Communication Services 4.01% Real Estate 1.43% Asset Allocation
Asset Class Value Cash 1.97% Equity 97.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | 5321748% ₹1,124 Cr 8,371,978 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK7% ₹1,026 Cr 10,347,868 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 17 | SUNPHARMA6% ₹878 Cr 5,105,969 Reliance Industries Ltd (Energy)
Equity, Since 31 May 20 | RELIANCE6% ₹866 Cr 5,513,578 Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 5322156% ₹828 Cr 6,522,478 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 18 | LT5% ₹669 Cr 1,638,689 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 29 Feb 20 | 5403764% ₹637 Cr 1,683,535 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI4% ₹621 Cr 371,642
↓ -10,000 NTPC Ltd (Utilities)
Equity, Since 31 Oct 23 | 5325554% ₹596 Cr 18,088,290 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 31 Dec 22 | 5323434% ₹583 Cr 1,567,366
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