2022 সালে এসআইপি বিনিয়োগের জন্য সেরা ELSS মিউচুয়াল ফান্ড

Updated on January 21, 2026 , 5601 views

সেরা এলএসএস ফান্ড বা ইক্যুইটি লিঙ্কড সেভিংস স্কিমগুলি ইক্যুইটি বৈচিত্রপূর্ণযৌথ পুঁজি যেগুলি প্রধানত প্রদানের জন্য ইক্যুইটি-সংযুক্ত যন্ত্রগুলিতে (যেমন শেয়ার এবং স্টক) বিনিয়োগ করে৷বাজার- লিঙ্কযুক্ত রিটার্ন। সাধারণত, ফান্ড কর্পাসের 80% ইক্যুইটিতে বিনিয়োগ করা হয় এবং অবশিষ্টাংশ ঋণ উপকরণে। সেরাইএলএসএস তহবিলগুলি ট্যাক্স সেভিং মিউচুয়াল ফান্ড হিসাবেও পরিচিত কারণ তারা কর সুবিধা দেয়ধারা 80C এরআয়কর আইন. অধিকন্তু, ELSS মিউচুয়াল ফান্ডগুলি ওপেন-এন্ডেড এবং 2টি মোড বিনিয়োগের অফার করে৷

একমুঠো বিনিয়োগ
চুমুক (সিস্টেমেটিকবিনিয়োগ পরিকল্পনা) বিনিয়োগ

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শীর্ষ 5 সেরা পারফর্মিং ELSS মিউচুয়াল ফান্ড SIP FY 22 - 23৷

1. 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 (₹7,333 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.16% (lower mid).
3Y return: 14.11% (bottom quartile).
1Y return: 6.57% (bottom quartile).
Alpha: 0.45 (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: -0.08 (upper 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 (23 Jan 26)	₹151.13 ↓ -1.67 (-1.09 %)
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

Bandhan Tax Advantage (ELSS) Fund 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 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 23 Jan 26

Duration	Returns
1 Month	-5.2%
3 Month	-3.4%
6 Month	-1.2%
1 Year	6.6%
3 Year	14.1%
5 Year	17.2%
10 Year
15 Year
Since launch	17.2%

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 \| HDFCBANK	8%	₹585 Cr	5,900,000 ↑ 200,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹518 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| 532174	5%	₹363 Cr	2,700,000 ↑ 200,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	5%	₹353 Cr	1,100,000 ↑ 50,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹308 Cr	1,400,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹241 Cr	1,900,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹226 Cr	2,300,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹206 Cr	1,275,000 ↓ -125,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹169 Cr	801,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| MARUTI	2%	₹167 Cr	100,000

2. 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 (₹4,748 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.62% (bottom quartile).
3Y return: 14.16% (lower mid).
1Y return: 4.70% (bottom quartile).
Alpha: -2.63 (bottom quartile).
Sharpe: 0.00 (bottom quartile).
Information ratio: -0.26 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~7.2%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (23 Jan 26)	₹43.8664 ↓ -0.65 (-1.45 %)
Net Assets (Cr)	₹4,748 on 31 Dec 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0
Information Ratio	-0.26
Alpha Ratio	-2.63
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	₹13,039
31 Dec 22	₹13,803
31 Dec 23	₹17,118
31 Dec 24	₹20,449
31 Dec 25	₹21,459

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 23 Jan 26

Duration	Returns
1 Month	-5.5%
3 Month	-3.8%
6 Month	-1.6%
1 Year	4.7%
3 Year	14.2%
5 Year	14.6%
10 Year
15 Year
Since launch	14%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.9%
2023	19.5%
2022	24%
2021	5.9%
2020	30.4%
2019	11.9%
2018	13.6%
2017	-8.4%
2016	46%
2015	2.1%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.05 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	33.8%
Consumer Cyclical	14.2%
Industrials	13.7%
Technology	7.42%
Basic Materials	6.88%
Communication Services	6.24%
Energy	5.48%
Health Care	4.59%
Utility	2.4%
Real Estate	2.15%
Consumer Defensive	1.15%

Asset Allocation

Asset Class	Value
Cash	1.98%
Equity	98.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹342 Cr	3,450,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| 532174	6%	₹285 Cr	2,125,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	6%	₹280 Cr	1,330,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹212 Cr	1,350,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹200 Cr	2,040,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹172 Cr	1,066,081 ↓ -93,919
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹144 Cr	352,147
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹122 Cr	10,200,000
Pricol Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| PRICOLLTD	2%	₹116 Cr	1,747,446 ↓ -101,242
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	2%	₹114 Cr	3,451,000

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 (₹15,415 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.77% (bottom quartile).
3Y return: 13.87% (bottom quartile).
1Y return: 9.91% (upper mid).
Alpha: 1.55 (upper mid).
Sharpe: 0.29 (upper mid).
Information ratio: -0.74 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~8.0%).

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 (23 Jan 26)	₹60.11 ↓ -0.79 (-1.30 %)
Net Assets (Cr)	₹15,415 on 31 Dec 25
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	0.29
Information Ratio	-0.74
Alpha Ratio	1.55
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	₹11,269
31 Dec 22	₹11,107
31 Dec 23	₹13,206
31 Dec 24	₹15,369
31 Dec 25	₹16,802

Aditya Birla Sun Life Tax Relief '96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 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 23 Jan 26

Duration	Returns
1 Month	-4.1%
3 Month	-4.3%
6 Month	-2.2%
1 Year	9.9%
3 Year	13.9%
5 Year	9.8%
10 Year
15 Year
Since launch	10.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.3%
2023	16.4%
2022	18.9%
2021	-1.4%
2020	12.7%
2019	15.2%
2018	4.3%
2017	-4.5%
2016	43.2%
2015	3.4%

Fund Manager information for Aditya Birla Sun Life Tax Relief '96

Name	Since	Tenure
Dhaval Shah	31 Oct 24	1.17 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.64%
Consumer Cyclical	13.73%
Health Care	10.27%
Technology	10.09%
Consumer Defensive	8.38%
Industrials	7.33%
Basic Materials	4.67%
Energy	4.53%
Communication Services	3.64%
Utility	2.02%
Real Estate	1.46%

Asset Allocation

Asset Class	Value
Cash	1.23%
Equity	98.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	8%	₹1,227 Cr	9,137,798
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,145 Cr	11,550,504
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	5%	₹789 Cr	4,882,452 ↓ -266,840
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	4%	₹669 Cr	4,260,426
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| 532215	4%	₹642 Cr	5,060,879
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	4%	₹599 Cr	6,101,415
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	4%	₹560 Cr	2,661,864
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| M&M	3%	₹439 Cr	1,184,660
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jan 20 \| 532843	3%	₹434 Cr	4,912,331
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 08 \| LT	2%	₹385 Cr	941,782 ↓ -160,000

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 (₹17,609 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.93% (top quartile).
3Y return: 18.29% (upper mid).
1Y return: 7.94% (lower mid).
Alpha: -0.15 (bottom quartile).
Sharpe: 0.16 (bottom quartile).
Information ratio: 0.96 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~7.0%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (23 Jan 26)	₹139.703 ↓ -1.87 (-1.32 %)
Net Assets (Cr)	₹17,609 on 31 Dec 25
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	0.16
Information Ratio	0.96
Alpha Ratio	-0.15
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	₹13,512
31 Dec 22	₹14,119
31 Dec 23	₹18,352
31 Dec 24	₹22,738
31 Dec 25	₹24,441

DSP Tax Saver Fund 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 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 23 Jan 26

Duration	Returns
1 Month	-3.7%
3 Month	-1.8%
6 Month	-0.8%
1 Year	7.9%
3 Year	18.3%
5 Year	17.9%
10 Year
15 Year
Since launch	14.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	23.9%
2022	30%
2021	4.5%
2020	35.1%
2019	15%
2018	14.8%
2017	-7.6%
2016	36.3%
2015	11.3%

Fund Manager information for DSP Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	10.47 Yr.

Data below for DSP Tax Saver Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	39.01%
Consumer Cyclical	10.51%
Technology	9.44%
Health Care	8.65%
Basic Materials	7.63%
Energy	5.71%
Communication Services	4.95%
Industrials	4.78%
Consumer Defensive	4.35%
Utility	3.63%

Asset Allocation

Asset Class	Value
Cash	1.32%
Equity	98.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,225 Cr	12,357,996 ↑ 756,552
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	7%	₹1,216 Cr	9,581,056
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	6%	₹979 Cr	9,966,720 ↓ -680,748
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| 532174	6%	₹974 Cr	7,253,215 ↑ 83,926
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	5%	₹882 Cr	5,459,708 ↓ -1,158,515
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹566 Cr	2,687,715
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	3%	₹523 Cr	1,408,898
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹499 Cr	2,268,385 ↓ -205,265
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 25 \| TCS	3%	₹474 Cr	1,477,947 ↑ 495,704
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 24 \| LT	2%	₹432 Cr	1,057,504 ↓ -10,564

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 (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (lower 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.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,487

HDFC Long Term Advantage Fund SIP 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 23 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

Disclaimer:
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।