6টি সেরা পারফর্মিং ট্যাক্স সেভিং মিউচুয়াল ফান্ড 2022৷

Updated on August 31, 2025 , 3650 views

কোণার চারপাশে ট্যাক্স ঋতু সঙ্গে, বিনিয়োগকারীরা যারা বিনিয়োগইএলএসএস সর্বদা তহবিলের দিকে তাকান যা সেরা পারফর্ম করছেবাজার. যেহেতু, অনেক বিনিয়োগকারী অনেকের মধ্যে একটি তহবিল বেছে নেওয়া কঠিন বলে মনে করেন, আমরা এখানে ELSS বিভাগে কিছু সেরা পারফর্মারদের পরামর্শ দিতে এসেছি।

বিনিয়োগকারীরা এই তহবিলে বিনিয়োগ করতে পারেন এবং প্রতি বছর 1.5 লক্ষ টাকা পর্যন্ত সঞ্চয় করতে পারেন৷ধারা 80C এরআয়কর আইন 1961। ইএলএসএস স্কিমগুলির সর্বনিম্ন 3 বছরের লক-ইন পিরিয়ড থাকে। আমাদের প্রস্তাবিত সেরা পারফর্মিং ট্যাক্স সেভিংযৌথ পুঁজি কিছু গুরুত্বপূর্ণ পরামিতি গ্রহণ করে সাবধানে বাছাই করা হয়েছে যেমন AUM,না, অতীত পারফরম্যান্স, ইত্যাদি

এইভাবে, বিনিয়োগকারীরা সহজেই তাদের ট্যাক্স সঞ্চয়ের পরিকল্পনা করতে পারেবিনিয়োগ এই তহবিল মধ্যে.

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সেরা পারফর্মিং ট্যাক্স সেভিং মিউচুয়াল ফান্ড

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Tata India Tax Savings Fund Growth	₹43.3196 ↓ -0.02	₹4,595	-0.8	13.1	-4.8	14.6	19	19.5
Bandhan Tax Advantage (ELSS) Fund Growth	₹149.746 ↑ 0.16	₹6,974	0.4	12.1	-5.1	14.9	22.5	13.1
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
Sundaram Diversified Equity Fund Growth	₹220.409 ↑ 0.18	₹1,489	2	14.5	-0.6	12.7	18.4	12
Invesco India Tax Plan Growth	₹125.22 ↑ 0.20	₹2,822	0.4	16.6	-2.3	16.8	18.6	25.2
Kotak Tax Saver Fund Growth	₹113.941 ↑ 0.15	₹6,355	0.3	15.1	-4.3	15.5	20.6	21.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 6 Funds showcased

Commentary	Tata India Tax Savings Fund	Bandhan Tax Advantage (ELSS) Fund	HDFC Long Term Advantage Fund	Sundaram Diversified Equity Fund	Invesco India Tax Plan	Kotak Tax Saver Fund
Point 1	Upper mid AUM (₹4,595 Cr).	Highest AUM (₹6,974 Cr).	Bottom quartile AUM (₹1,318 Cr).	Bottom quartile AUM (₹1,489 Cr).	Lower mid AUM (₹2,822 Cr).	Upper mid AUM (₹6,355 Cr).
Point 2	Established history (10+ yrs).	Established history (16+ yrs).	Established history (24+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (19+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (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.
Point 5	5Y return: 19.01% (upper mid).	5Y return: 22.51% (top quartile).	5Y return: 17.39% (bottom quartile).	5Y return: 18.43% (bottom quartile).	5Y return: 18.62% (lower mid).	5Y return: 20.62% (upper mid).
Point 6	3Y return: 14.56% (bottom quartile).	3Y return: 14.87% (lower mid).	3Y return: 20.64% (top quartile).	3Y return: 12.71% (bottom quartile).	3Y return: 16.85% (upper mid).	3Y return: 15.49% (upper mid).
Point 7	1Y return: -4.75% (bottom quartile).	1Y return: -5.08% (bottom quartile).	1Y return: 35.51% (top quartile).	1Y return: -0.64% (upper mid).	1Y return: -2.26% (upper mid).	1Y return: -4.32% (lower mid).
Point 8	Alpha: 0.24 (lower mid).	Alpha: -3.48 (bottom quartile).	Alpha: 1.75 (upper mid).	Alpha: 1.18 (upper mid).	Alpha: 1.86 (top quartile).	Alpha: -1.90 (bottom quartile).
Point 9	Sharpe: -0.42 (lower mid).	Sharpe: -0.74 (bottom quartile).	Sharpe: 2.27 (top quartile).	Sharpe: -0.35 (upper mid).	Sharpe: -0.35 (upper mid).	Sharpe: -0.55 (bottom quartile).
Point 10	Information ratio: -0.22 (bottom quartile).	Information ratio: -0.12 (upper mid).	Information ratio: -0.15 (lower mid).	Information ratio: -0.76 (bottom quartile).	Information ratio: 0.28 (top quartile).	Information ratio: 0.07 (upper mid).

Tata India Tax Savings Fund

Upper mid AUM (₹4,595 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.01% (upper mid).
3Y return: 14.56% (bottom quartile).
1Y return: -4.75% (bottom quartile).
Alpha: 0.24 (lower mid).
Sharpe: -0.42 (lower mid).
Information ratio: -0.22 (bottom quartile).

Bandhan Tax Advantage (ELSS) Fund

Highest AUM (₹6,974 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.51% (top quartile).
3Y return: 14.87% (lower mid).
1Y return: -5.08% (bottom quartile).
Alpha: -3.48 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: -0.12 (upper mid).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
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 (lower mid).

Sundaram Diversified Equity Fund

Bottom quartile AUM (₹1,489 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.43% (bottom quartile).
3Y return: 12.71% (bottom quartile).
1Y return: -0.64% (upper mid).
Alpha: 1.18 (upper mid).
Sharpe: -0.35 (upper mid).
Information ratio: -0.76 (bottom quartile).

Invesco India Tax Plan

Lower mid AUM (₹2,822 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.62% (lower mid).
3Y return: 16.85% (upper mid).
1Y return: -2.26% (upper mid).
Alpha: 1.86 (top quartile).
Sharpe: -0.35 (upper mid).
Information ratio: 0.28 (top quartile).

Kotak Tax Saver Fund

Upper mid AUM (₹6,355 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.62% (upper mid).
3Y return: 15.49% (upper mid).
1Y return: -4.32% (lower mid).
Alpha: -1.90 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.07 (upper mid).

*1000 কোটি থেকে 10 এর মধ্যে নেট সম্পদ রয়েছে এমন মিউচুয়াল ফান্ডের ট্যাক্স সংরক্ষণের তালিকা,000 কোটি।

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

Upper mid AUM (₹4,595 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.01% (upper mid).
3Y return: 14.56% (bottom quartile).
1Y return: -4.75% (bottom quartile).
Alpha: 0.24 (lower mid).
Sharpe: -0.42 (lower mid).
Information ratio: -0.22 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.6%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (02 Sep 25)	₹43.3196 ↓ -0.02 (-0.04 %)
Net Assets (Cr)	₹4,595 on 31 Jul 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.42
Information Ratio	-0.22
Alpha Ratio	0.24
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,061
31 Aug 22	₹16,262
31 Aug 23	₹18,541
31 Aug 24	₹25,478
31 Aug 25	₹24,048

Tata India Tax Savings Fund SIP 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 2 Sep 25

Duration	Returns
1 Month	-0.4%
3 Month	-0.8%
6 Month	13.1%
1 Year	-4.8%
3 Year	14.6%
5 Year	19%
10 Year
15 Year
Since launch	14.4%

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
Rahul Singh	1 Jul 25	0.17 Yr.
Sailesh Jain	16 Dec 21	3.71 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	34.15%
Industrials	14.5%
Consumer Cyclical	13.87%
Basic Materials	7.14%
Technology	6.27%
Energy	5.27%
Communication Services	4.22%
Health Care	3.38%
Utility	2.51%
Real Estate	2.4%
Consumer Defensive	1.76%

Asset Allocation

Asset Class	Value
Cash	4.55%
Equity	95.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	8%	₹348 Cr	1,725,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	7%	₹315 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹188 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹180 Cr	940,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹175 Cr	1,160,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹173 Cr	2,175,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹139 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹128 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹115 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	2%	₹99 Cr	10,200,000

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

Highest AUM (₹6,974 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.51% (top quartile).
3Y return: 14.87% (lower mid).
1Y return: -5.08% (bottom quartile).
Alpha: -3.48 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: -0.12 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~8.2%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (02 Sep 25)	₹149.746 ↑ 0.16 (0.11 %)
Net Assets (Cr)	₹6,974 on 31 Jul 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.74
Information Ratio	-0.12
Alpha Ratio	-3.48
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,881
31 Aug 22	₹18,545
31 Aug 23	₹22,104
31 Aug 24	₹29,535
31 Aug 25	₹27,817

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 2 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	0.4%
6 Month	12.1%
1 Year	-5.1%
3 Year	14.9%
5 Year	22.5%
10 Year
15 Year
Since launch	17.6%

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 Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	8.87 Yr.
Ritika Behera	7 Oct 23	1.9 Yr.
Gaurav Satra	10 Jun 24	1.23 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	32.99%
Consumer Cyclical	10.27%
Basic Materials	9.49%
Technology	8.81%
Consumer Defensive	8.62%
Energy	7.52%
Health Care	6.17%
Industrials	4.97%
Communication Services	2.47%
Real Estate	2.14%
Utility	1.85%

Asset Allocation

Asset Class	Value
Cash	4.42%
Equity	95.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹575 Cr	2,850,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹459 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹370 Cr	2,500,000 ↓ -200,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹273 Cr	900,000 ↑ 50,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹267 Cr	1,350,000 ↑ 200,001
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹204 Cr	1,350,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹203 Cr	1,900,000 ↓ -600,001
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹190 Cr	2,388,280 ↑ 1,563,280
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹172 Cr	900,000 ↓ -100,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹149 Cr	350,000

3. 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).
Established history (24+ yrs).
Rating: 3★ (upper mid).
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 (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 Aug 20	₹10,000
31 Aug 21	₹15,833

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 2 Sep 25

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

4. Sundaram Diversified Equity Fund

To achieve capital appreciation by investing predominantly in equities and equity-related instruments. A three-year lock-in period shall apply in line with the regulation for ELSS schemes.

Research Highlights for Sundaram Diversified Equity Fund

Bottom quartile AUM (₹1,489 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.43% (bottom quartile).
3Y return: 12.71% (bottom quartile).
1Y return: -0.64% (upper mid).
Alpha: 1.18 (upper mid).
Sharpe: -0.35 (upper mid).
Information ratio: -0.76 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~86%).
Largest holding HDFC Bank Ltd (~9.8%).

Below is the key information for Sundaram Diversified Equity Fund

Sundaram Diversified Equity Fund Growth
Launch Date	22 Nov 99
NAV (02 Sep 25)	₹220.409 ↑ 0.18 (0.08 %)
Net Assets (Cr)	₹1,489 on 31 Jul 25
Category	Equity - ELSS
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.16
Sharpe Ratio	-0.35
Information Ratio	-0.76
Alpha Ratio	1.18
Min Investment	500
Min SIP Investment	250
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,550
31 Aug 22	₹16,618
31 Aug 23	₹18,450
31 Aug 24	₹23,890
31 Aug 25	₹23,542

Sundaram Diversified Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for Sundaram Diversified Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	2%
6 Month	14.5%
1 Year	-0.6%
3 Year	12.7%
5 Year	18.4%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12%
2023	23.3%
2022	4%
2021	31.5%
2020	9.9%
2019	6.2%
2018	-10.6%
2017	38.4%
2016	6.8%
2015	3.1%

Fund Manager information for Sundaram Diversified Equity Fund

Name	Since	Tenure
Rohit Seksaria	24 Feb 21	4.52 Yr.
Bharath Subramanian	2 Jun 25	0.25 Yr.

Data below for Sundaram Diversified Equity Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	29.04%
Consumer Cyclical	13.47%
Consumer Defensive	7.3%
Energy	6.49%
Basic Materials	6.38%
Industrials	5.93%
Health Care	5.49%
Technology	5.44%
Communication Services	3.29%
Utility	3.19%

Asset Allocation

Asset Class	Value
Cash	13.97%
Equity	86.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| HDFCBANK	10%	₹146 Cr	724,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| ICICIBANK	9%	₹131 Cr	883,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 12 \| RELIANCE	5%	₹70 Cr	504,000
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| 532215	4%	₹54 Cr	505,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 18 \| LT	3%	₹50 Cr	138,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	3%	₹49 Cr	256,000
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹47 Cr	595,000
Infosys Ltd (Technology) Equity, Since 30 Nov 16 \| INFY	3%	₹46 Cr	306,000
ITC Ltd (Consumer Defensive) Equity, Since 28 Feb 23 \| ITC	3%	₹43 Cr	1,046,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Apr 19 \| 532538	3%	₹39 Cr	32,000

5. Invesco India Tax Plan

The investment objective of the Scheme is to generate long term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

Research Highlights for Invesco India Tax Plan

Lower mid AUM (₹2,822 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.62% (lower mid).
3Y return: 16.85% (upper mid).
1Y return: -2.26% (upper mid).
Alpha: 1.86 (top quartile).
Sharpe: -0.35 (upper mid).
Information ratio: 0.28 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~6.2%).

Below is the key information for Invesco India Tax Plan

Invesco India Tax Plan Growth
Launch Date	29 Dec 06
NAV (02 Sep 25)	₹125.22 ↑ 0.20 (0.16 %)
Net Assets (Cr)	₹2,822 on 31 Jul 25
Category	Equity - ELSS
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	-0.35
Information Ratio	0.28
Alpha Ratio	1.86
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,217
31 Aug 22	₹15,065
31 Aug 23	₹17,000
31 Aug 24	₹24,482
31 Aug 25	₹23,511

Invesco India Tax Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for Invesco India Tax Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	1.6%
3 Month	0.4%
6 Month	16.6%
1 Year	-2.3%
3 Year	16.8%
5 Year	18.6%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.2%
2023	30.9%
2022	-7.7%
2021	32.6%
2020	19.2%
2019	9.4%
2018	-1.3%
2017	35.7%
2016	3.4%
2015	5.8%

Fund Manager information for Invesco India Tax Plan

Name	Since	Tenure
Amit Nigam	3 Sep 20	5 Yr.
Deepesh Kashyap	1 Jul 25	0.17 Yr.

Data below for Invesco India Tax Plan as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	23.32%
Consumer Cyclical	23.25%
Industrials	15.06%
Technology	10.96%
Health Care	8.23%
Basic Materials	5.51%
Real Estate	4.56%
Consumer Defensive	3.4%
Communication Services	2.31%
Utility	1.79%
Energy	0.9%

Asset Allocation

Asset Class	Value
Cash	0.72%
Equity	99.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| HDFCBANK	6%	₹174 Cr	864,081 ↓ -24,380
Infosys Ltd (Technology) Equity, Since 31 Dec 19 \| INFY	5%	₹146 Cr	965,480
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| ICICIBANK	3%	₹87 Cr	589,056 ↓ -13,746
LTIMindtree Ltd (Technology) Equity, Since 30 Sep 24 \| LTIM	3%	₹86 Cr	167,960 ↑ 22,533
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	3%	₹80 Cr	911,349 ↑ 32,339
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	3%	₹73 Cr	1,803,333
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| JUBLFOOD	2%	₹69 Cr	1,056,348 ↑ 201,275
Home First Finance Co India Ltd --- (Financial Services) Equity, Since 31 Mar 23 \| HOMEFIRST	2%	₹69 Cr	567,634 ↓ -874
Metro Brands Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| 543426	2%	₹67 Cr	542,046 ↓ -106,636
Blue Star Ltd (Industrials) Equity, Since 31 Jan 24 \| BLUESTARCO	2%	₹66 Cr	381,886

6. Kotak Tax Saver Fund

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

Upper mid AUM (₹6,355 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.62% (upper mid).
3Y return: 15.49% (upper mid).
1Y return: -4.32% (lower mid).
Alpha: -1.90 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.07 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~9.5%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (02 Sep 25)	₹113.941 ↑ 0.15 (0.13 %)
Net Assets (Cr)	₹6,355 on 31 Jul 25
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.55
Information Ratio	0.07
Alpha Ratio	-1.9
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,711
31 Aug 22	₹16,822
31 Aug 23	₹19,433
31 Aug 24	₹26,968
31 Aug 25	₹25,486

Kotak Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Kotak 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 2 Sep 25

Duration	Returns
1 Month	-0.1%
3 Month	0.3%
6 Month	15.1%
1 Year	-4.3%
3 Year	15.5%
5 Year	20.6%
10 Year
15 Year
Since launch	13.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.8%
2023	23.6%
2022	6.9%
2021	33.2%
2020	14.9%
2019	12.7%
2018	-3.8%
2017	33.8%
2016	7.5%
2015	1.5%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	10.03 Yr.

Data below for Kotak Tax Saver Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	30.04%
Industrials	12.83%
Consumer Cyclical	10.34%
Basic Materials	10.18%
Technology	10.04%
Energy	6.51%
Utility	5.73%
Consumer Defensive	4.75%
Communication Services	4.52%
Health Care	4.43%

Asset Allocation

Asset Class	Value
Cash	0.63%
Equity	99.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	10%	₹605 Cr	3,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹385 Cr	2,599,780
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹237 Cr	1,239,286
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	4%	₹226 Cr	1,500,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	3%	₹215 Cr	2,700,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹198 Cr	1,350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| 532215	3%	₹187 Cr	1,750,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹167 Cr	5,000,000
Bosch Ltd (Consumer Cyclical) Equity, Since 28 Feb 23 \| 500530	3%	₹162 Cr	40,000
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 29 Feb 24 \| HINDPETRO	2%	₹157 Cr	3,750,000

ইক্যুইটি লিঙ্কড সেভিং স্কিমে ট্যাক্স সেভিংস

ELSS-এর সাথে এবং ছাড়া কর সঞ্চয় তুলনা করে কর সুবিধাগুলি পরীক্ষা করা যাক:

বিশেষ	কর পরিকল্পনা (ইএলএসএস)	কোনো ট্যাক্স প্ল্যানিং নেই
সর্ব মোটআয়	৮,০০,০০০	৮,০০,০০০
কর থেকে অব্যাহতি	1,50,000	শূন্য
মোটকরযোগ্য আয়	6,50,000	৮,০০,০০০
ট্যাক্স দিতে হবে	32,500	৬২,৫০০
সংরক্ষিত পরিমাণ	30,000	শূন্য

সুতরাং, ELSS-এ বিনিয়োগের মাধ্যমে মোট সংরক্ষিত পরিমাণ হল INR 30,000৷

ট্যাক্স সেভিং মিউচুয়াল ফান্ডে বিনিয়োগের সুবিধা

ট্যাক্স সুবিধার পাশাপাশি, ELSS আপনাকে নিম্নলিখিত সুবিধাগুলিও অফার করে:

ইক্যুইটি রিটার্ন

যেহেতু ELSS হল ইক্যুইটি এবং ট্যাক্স সাশ্রয়ের সংমিশ্রণ, আপনি যে অর্থ বিনিয়োগ করেন তা শেয়ার বাজারের বৃদ্ধির সাথে সাথে বৃদ্ধি পায়। সুতরাং, বিনিয়োগকারীরাও ইক্যুইটি বাজার থেকে আয় করতে পারেন। তাই, ELSS দীর্ঘমেয়াদী সম্পদ সৃষ্টির একটি উপায়ও বটে।

SIP সুবিধা

একমুঠো অর্থ বিনিয়োগ করার পরিবর্তে, বিনিয়োগকারীরা মাসিক বিনিয়োগের মাধ্যমে একটি সহজ পথ বেছে নিতে পারেনচুমুক. একটি SIP-এর মাধ্যমে, কেউ INR 500-এর মতো কম বিনিয়োগ করতে পারে, এটি বিনিয়োগকারীদের জন্য সবচেয়ে সাশ্রয়ী কর-পরিকল্পনা এবং বিনিয়োগের পথ তৈরি করে৷

সংক্ষিপ্ত লক-ইন সময়কাল

ELSS-এর লক-ইন পিরিয়ড 3 বছরের, যা অন্য সব ট্যাক্স-সেভিং ইন্সট্রুমেন্টের মধ্যে সবচেয়ে কম লক-ইন পিরিয়ড।

অনলাইনে ইএলএসএস ফান্ডে কীভাবে বিনিয়োগ করবেন?

Fincash.com এ আজীবনের জন্য বিনামূল্যে বিনিয়োগ অ্যাকাউন্ট খুলুন।

আপনার রেজিস্ট্রেশন এবং KYC প্রক্রিয়া সম্পূর্ণ করুন

নথি আপলোড করুন (প্যান, আধার, ইত্যাদি)।এবং, আপনি বিনিয়োগ করতে প্রস্তুত!

এবার শুরু করা যাক

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।