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ফিনক্যাশ »যৌথ পুঁজি »সেরা ট্যাক্স সংরক্ষণ

4 সেরা ট্যাক্স সেভিং ELSS মিউচুয়াল ফান্ড FY 22 - 23

Updated on December 2, 2024 , 10400 views

ইএলএসএস (ইক্যুইটি লিঙ্কড সেভিং স্কিম) হল সেরা ট্যাক্স-সঞ্চয় বিকল্পগুলির মধ্যে একটি যা আপনাকে প্রচুর অর্থ সঞ্চয় করতে সহায়তা করেআয়কর উপার্জনের সাথে সাথেমূলধন বিনিয়োগের উপর প্রশংসা।

ট্যাক্স সেভিং ELSS ফান্ডগুলি INR 1,50 পর্যন্ত কর ছাড়ের অনুমতি দেয়,000 অধীনধারা 80C এরআয় কর আইন। অতএব, দ্বারাবিনিয়োগ এই ট্যাক্স সংরক্ষণযৌথ পুঁজি, এমনকি 30% এর সর্বোচ্চ ট্যাক্স ব্র্যাকেটের বিনিয়োগকারীরাও ভাল রিটার্ন উপার্জনের সাথে একটি নির্দিষ্ট আর্থিক বছরের জন্য প্রায় INR 46,000 এর কর ছাড় পেতে পারেন।

Tax-Savings

ELSS হয়বাজার-সংযুক্ত বিনিয়োগ, আপনাকে এই তহবিলে বিজ্ঞতার সাথে বিনিয়োগ করার পরামর্শ দেওয়া হচ্ছে যাতে দীর্ঘমেয়াদী ক্ষতি এবং ঝুঁকি এড়ানো যায়।

ELSS ফান্ডে বিনিয়োগের সুবিধা FY 22 - 23

  • ELSS মিউচুয়াল ফান্ডগুলি INR 1,50,000 পর্যন্ত কর ছাড় দেয়৷
  • রিটার্ন অন্যদের দ্বারা দেওয়া রিটার্নের তুলনায় অনেক বেশিট্যাক্স সেভিং ইনভেস্টমেন্ট বিকল্প
  • ELSS-এর লক-ইন সময়কাল 3 বছরের সবচেয়ে কম, যা অন্যান্য কর সাশ্রয়ী বিনিয়োগের তুলনায় তুলনামূলকভাবে অনেক কম।
  • ELSS তহবিলগুলির মাধ্যমে বিনিয়োগ করার একটি বিকল্প অফার করেচুমুক, যাতে বিনিয়োগকারীরা মাসিক অল্প পরিমাণে বিনিয়োগ করে সহজেই তাদের ELSS বিনিয়োগ পরিচালনা করতে পারে।

উপরে উল্লিখিত সমস্ত কারণ ELSS কে সেরা কর সংরক্ষণ বিকল্পগুলির মধ্যে একটি করে তোলে।

আপনি যদি বিনিয়োগ করার পরিকল্পনা করছেন, তাহলে SIP (সিস্টেমেটিকবিনিয়োগ পরিকল্পনা) এর মধ্যে একটিঅর্থ বিনিয়োগ করার সেরা উপায় ইএলএসএস-এ। নিয়মিত বিনিয়োগের অভ্যাস আপনার পোর্টফোলিওকে সুশৃঙ্খল এবং ভারসাম্যপূর্ণ রাখে। এছাড়াও, ট্যাক্স ক্যালেন্ডারের শেষ মুহূর্তে একমুঠো অর্থের ব্যবস্থা করার ঝামেলা দূর হয়। এসআইপি-তে, আপনি বিনিয়োগের পরিমাণ ঠিক করতে পারেন, যা কম হতে পারে Rs. 500, এবং একটি তারিখ যেখানে আপনার টাকা আপনার থেকে স্বয়ংক্রিয়ভাবে কাটা হবেব্যাংক ELSS ফান্ডে অ্যাকাউন্ট।

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শীর্ষ 4 সেরা পারফর্মিং ট্যাক্স সেভিং ELSS মিউচুয়াল ফান্ড

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2023 (%)Since launch (%)
BOI AXA Tax Advantage Fund Growth ₹174.6
↑ 2.42
₹1,436015.833.320.326.234.819.9
Canara Robeco Equity Tax Saver Growth ₹176.55
↑ 0.77
₹8,791-1.815.626.615.321.223.719.9
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth ₹909.63
↑ 1.50
₹14,347-316.124.415.718.723.219.5
Mirae Asset Tax Saver Fund Growth ₹48.238
↑ 0.19
₹24,896-1.516.827.315.920.72719.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Dec 24
*উপরে তালিকা আছেসেরা মিউচুয়াল ফান্ড উপরে নিট সম্পদ আছে100 কোটি লঞ্চ / সূচনা থেকে বার্ষিক রিটার্ন অনুসারে সাজানো।

1. BOI AXA Tax Advantage Fund

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.)

BOI AXA Tax Advantage Fund is a Equity - ELSS fund was launched on 25 Feb 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.9% since its launch.  Ranked 13 in ELSS category.  Return for 2023 was 34.8% , 2022 was -1.3% and 2021 was 41.5% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (04 Dec 24) ₹174.6 ↑ 2.42   (1.41 %)
Net Assets (Cr) ₹1,436 on 31 Oct 24
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.37
Sharpe Ratio 2.34
Information Ratio 0.53
Alpha Ratio 9.3
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹12,546
30 Nov 21₹18,192
30 Nov 22₹19,034
30 Nov 23₹23,238
30 Nov 24₹31,012

BOI AXA Tax 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 ₹584,107.
Net Profit of ₹284,107
Invest Now

Returns for BOI AXA 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 4 Dec 24

DurationReturns
1 Month 4.9%
3 Month 0%
6 Month 15.8%
1 Year 33.3%
3 Year 20.3%
5 Year 26.2%
Since launch 19.9%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 34.8%
2022 -1.3%
2021 41.5%
2020 31.2%
2019 14.6%
2018 -16.3%
2017 57.7%
2016 -1.2%
2015 2.1%
2014 44%
Fund Manager information for BOI AXA Tax Advantage Fund
NameSinceTenure
Alok Singh27 Apr 222.52 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Oct 24

Equity Sector Allocation
SectorValue
Financial Services26.27%
Industrials16.29%
Basic Materials15.38%
Technology10.7%
Consumer Cyclical5.46%
Utility4.64%
Energy3.81%
Consumer Defensive3.78%
Health Care3.53%
Real Estate1.52%
Communication Services0.99%
Asset Allocation
Asset ClassValue
Cash7.63%
Equity92.37%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
5%₹76 Cr440,000
↑ 20,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
4%₹62 Cr752,000
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
4%₹56 Cr1,211,000
Prudent Corporate Advisory Services Ltd (Financial Services)
Equity, Since 31 Oct 23 | 543527
3%₹40 Cr130,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
3%₹39 Cr955,000
Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 543349
2%₹34 Cr172,000
General Insurance Corp of India (Financial Services)
Equity, Since 29 Feb 24 | GICRE
2%₹31 Cr850,696
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
2%₹30 Cr228,000
Siemens Ltd (Industrials)
Equity, Since 30 Jun 22 | 500550
2%₹29 Cr41,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
2%₹28 Cr67,000

2. Canara Robeco Equity Tax Saver

(ELSS Scheme) Seeking to provide long term capital appreciation by predominantly investing in equities and to facilitate the subscribers to seek tax benefits as provided under Section 80 C of the Income Tax Act, 1961. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Equity Tax Saver is a Equity - ELSS fund was launched on 2 Feb 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.9% since its launch.  Ranked 36 in ELSS category.  Return for 2023 was 23.7% , 2022 was -0.2% and 2021 was 35.1% .

Below is the key information for Canara Robeco Equity Tax Saver

Canara Robeco Equity Tax Saver
Growth
Launch Date 2 Feb 09
NAV (04 Dec 24) ₹176.55 ↑ 0.77   (0.44 %)
Net Assets (Cr) ₹8,791 on 31 Oct 24
Category Equity - ELSS
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.74
Sharpe Ratio 2.17
Information Ratio -0.55
Alpha Ratio 3.98
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹11,926
30 Nov 21₹16,888
30 Nov 22₹17,976
30 Nov 23₹20,190
30 Nov 24₹25,729

Canara Robeco Equity Tax Saver SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for Canara Robeco Equity Tax Saver

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 24

DurationReturns
1 Month 2.7%
3 Month -1.8%
6 Month 15.6%
1 Year 26.6%
3 Year 15.3%
5 Year 21.2%
Since launch 19.9%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 23.7%
2022 -0.2%
2021 35.1%
2020 27.4%
2019 10.7%
2018 2.7%
2017 32%
2016 0%
2015 0.6%
2014 45.2%
Fund Manager information for Canara Robeco Equity Tax Saver
NameSinceTenure
Vishal Mishra26 Jun 213.35 Yr.
Shridatta Bhandwaldar1 Oct 195.09 Yr.

Data below for Canara Robeco Equity Tax Saver as on 31 Oct 24

Equity Sector Allocation
SectorValue
Financial Services27.3%
Consumer Cyclical14.45%
Industrials10.64%
Technology9.09%
Basic Materials6.63%
Health Care6.53%
Consumer Defensive6.47%
Energy5.56%
Communication Services3.89%
Utility3.62%
Real Estate1.3%
Asset Allocation
Asset ClassValue
Cash4.53%
Equity95.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 08 | HDFCBANK
7%₹588 Cr3,387,584
↑ 250,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK
6%₹559 Cr4,326,000
↑ 200,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 18 | INFY
4%₹371 Cr2,111,310
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 19 | RELIANCE
4%₹315 Cr2,362,000
↓ -500,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 21 | BHARTIARTL
3%₹289 Cr1,790,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 20 | LT
3%₹232 Cr639,369
↓ -50,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
3%₹231 Cr5,650,988
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
2%₹205 Cr2,495,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 532215
2%₹177 Cr1,528,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Jun 20 | TCS
2%₹165 Cr415,073

3. ICICI Prudential Long Term Equity Fund (Tax Saving)

To generate long-term capital appreciation through investments made primarily in equity and equity related securities of companies.

ICICI Prudential Long Term Equity Fund (Tax Saving) is a Equity - ELSS fund was launched on 19 Aug 99. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.5% since its launch.  Ranked 30 in ELSS category.  Return for 2023 was 23.2% , 2022 was 2.3% and 2021 was 33.7% .

Below is the key information for ICICI Prudential Long Term Equity Fund (Tax Saving)

ICICI Prudential Long Term Equity Fund (Tax Saving)
Growth
Launch Date 19 Aug 99
NAV (04 Dec 24) ₹909.63 ↑ 1.50   (0.17 %)
Net Assets (Cr) ₹14,347 on 31 Oct 24
Category Equity - ELSS
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.87
Sharpe Ratio 1.9
Information Ratio -0.36
Alpha Ratio 1.82
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,591
30 Nov 21₹15,005
30 Nov 22₹16,176
30 Nov 23₹18,436
30 Nov 24₹23,069

ICICI Prudential Long Term Equity Fund (Tax Saving) SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for ICICI Prudential Long Term Equity Fund (Tax Saving)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 24

DurationReturns
1 Month 1.8%
3 Month -3%
6 Month 16.1%
1 Year 24.4%
3 Year 15.7%
5 Year 18.7%
Since launch 19.5%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 23.2%
2022 2.3%
2021 33.7%
2020 13.6%
2019 8.8%
2018 0.5%
2017 26%
2016 3.9%
2015 4.3%
2014 50.8%
Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)
NameSinceTenure
Mittul Kalawadia18 Sep 231.12 Yr.
Sharmila D’mello31 Jul 222.26 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 Oct 24

Equity Sector Allocation
SectorValue
Financial Services30.68%
Consumer Cyclical14.99%
Health Care11.77%
Industrials7.84%
Consumer Defensive7.36%
Communication Services6.85%
Energy5.3%
Technology5.08%
Utility3.71%
Basic Materials1.46%
Real Estate1.16%
Asset Allocation
Asset ClassValue
Cash3.79%
Equity96.21%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK
8%₹1,263 Cr9,918,908
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK
7%₹1,038 Cr5,990,559
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI
5%₹790 Cr596,790
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 29 Feb 20 | 540376
5%₹770 Cr1,510,901
↓ -2,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL
5%₹754 Cr4,411,155
↓ -232,188
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
4%₹685 Cr5,558,385
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 17 | SUNPHARMA
4%₹676 Cr3,507,417
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
4%₹567 Cr3,020,755
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 18 | LT
4%₹564 Cr1,535,066
Reliance Industries Ltd (Energy)
Equity, Since 31 May 20 | RELIANCE
4%₹539 Cr1,825,000

4. Mirae Asset Tax Saver 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. The Scheme does not guarantee or assure any returns.

Mirae Asset Tax Saver Fund is a Equity - ELSS fund was launched on 28 Dec 15. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.3% since its launch.  Return for 2023 was 27% , 2022 was 0.1% and 2021 was 35.3% .

Below is the key information for Mirae Asset Tax Saver Fund

Mirae Asset Tax Saver Fund
Growth
Launch Date 28 Dec 15
NAV (04 Dec 24) ₹48.238 ↑ 0.19   (0.38 %)
Net Assets (Cr) ₹24,896 on 31 Oct 24
Category Equity - ELSS
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 1.12
Sharpe Ratio 1.79
Information Ratio -0.65
Alpha Ratio -1.05
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹11,480
30 Nov 21₹16,129
30 Nov 22₹17,115
30 Nov 23₹19,511
30 Nov 24₹24,995

Mirae Asset 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 ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for Mirae Asset 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 4 Dec 24

DurationReturns
1 Month 4%
3 Month -1.5%
6 Month 16.8%
1 Year 27.3%
3 Year 15.9%
5 Year 20.7%
Since launch 19.3%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 27%
2022 0.1%
2021 35.3%
2020 21.5%
2019 14.1%
2018 -2.3%
2017 47.9%
2016 14.8%
2015
2014
Fund Manager information for Mirae Asset Tax Saver Fund
NameSinceTenure
Neelesh Surana28 Dec 158.85 Yr.

Data below for Mirae Asset Tax Saver Fund as on 31 Oct 24

Equity Sector Allocation
SectorValue
Financial Services31.55%
Consumer Cyclical16.07%
Industrials11.59%
Technology10.62%
Basic Materials9.85%
Health Care7.15%
Energy3.91%
Utility3.43%
Communication Services2.79%
Consumer Defensive1.37%
Real Estate0.65%
Asset Allocation
Asset ClassValue
Cash1.02%
Equity98.98%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK
8%₹2,081 Cr12,012,091
↓ -487,812
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 18 | 532215
5%₹1,330 Cr10,796,566
↑ 425,000
State Bank of India (Financial Services)
Equity, Since 31 Dec 15 | SBIN
4%₹1,090 Cr13,839,799
↑ 1,816,000
Infosys Ltd (Technology)
Equity, Since 31 Dec 15 | INFY
4%₹1,071 Cr5,710,511
↓ -332,005
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK
4%₹1,061 Cr8,331,929
↓ -574,983
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 16 | LT
3%₹855 Cr2,325,832
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | KOTAKBANK
2%₹635 Cr3,424,135
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Dec 15 | TCS
2%₹616 Cr1,442,221
↑ 221,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 15 | RELIANCE
2%₹544 Cr1,843,088
↓ -175,000
Delhivery Ltd (Industrials)
Equity, Since 30 Jun 22 | 543529
2%₹509 Cr11,970,084
↑ 300,000

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