ELSS ক্যালকুলেটর

ইএলএসএস একটি ওপেন-এন্ডেড ইক্যুইটিপারস্পরিক তহবিল যেটি শুধু ট্যাক্স সাশ্রয়ের জন্যই দুর্দান্ত নয় বরং আপনার বিনিয়োগের জন্য একটি বৃদ্ধির সুযোগও তৈরি করে। লোকেদের মধ্যে দীর্ঘমেয়াদী বিনিয়োগের অভ্যাস গড়ে তোলার জন্য এই স্কিমগুলি ভারত সরকার দ্বারা প্রচার করা হয়। নাম থেকেই স্পষ্ট, ইক্যুইটি লিঙ্কড সেভিংস স্কিমে ফান্ডের বড় অংশ বিনিয়োগ করা হয়ইক্যুইটি বা ইক্যুইটি-সম্পর্কিত পণ্য। আপনি যখন ইক্যুইটি বিনিয়োগ করার পরিকল্পনা করেন তখন আগে বিনিয়োগের কর্মক্ষমতা নির্ধারণ করা একটি বিজ্ঞ সিদ্ধান্তবিনিয়োগ. এটি একটি ELSS ক্যালকুলেটর হিসাবে উল্লেখ করা একটি টুল দ্বারা করা যেতে পারে।

একটি ELSS ক্যালকুলেটর কি?

একটি ELSS ক্যালকুলেটর হল একটি অত্যন্ত সহায়ক টুল যা একটি ELSS স্কিমে সেরা বিনিয়োগ বেছে নেওয়ার ক্ষেত্রে আপনাকে সঠিক সিদ্ধান্ত নিতে সাহায্য করার ক্ষেত্রে একটি গুরুত্বপূর্ণ ভূমিকা পালন করে। T=একটি বিনিয়োগ কতটা কার্যকর হবে বা না হবে তা আপনি মূল্যায়ন করতে সক্ষম হবেন। আপনি যে ধরনের স্কিম বেছে নিয়েছেন তার উপর নির্ভর করে, আপনি ব্যবহার করতে পারেন এমন অনেকগুলি ELSS ক্যালকুলেটর রয়েছে।

ELSS ক্যালকুলেটর: SIP কাজের অতীত কর্মক্ষমতা?

অতীত কর্মক্ষমতাচুমুক ক্যালকুলেটর আপনার ঐতিহাসিক কর্মক্ষমতা উপর অন্তর্দৃষ্টি প্রদান একটি গুরুত্বপূর্ণ হাতিয়ারচুমুক. ক্যালকুলেটর কিছু বিশদ বিবরণ বিবেচনা করে যেমন:

উপরের বিশদ বিবরণের সাথে, একটি ELSS SIP অতীত পারফরম্যান্স ক্যালকুলেটর একটি অনুমান তৈরি করবে যে পরিপক্কতার সময়ে আপনার SIP বিনিয়োগের মূল্য কত হবে। একটি তহবিল বিভিন্ন সময়ে কীভাবে কাজ করে তা নির্ধারণ করার জন্য এই ধরনের মূল্যায়ন একটি ভাল উপায়বাজার চক্র ভবিষ্যতের সম্ভাবনার পরিপ্রেক্ষিতে তহবিলটি কোথায় যাচ্ছে তা পরিমাপ করার জন্য দীর্ঘমেয়াদী কর্মক্ষমতাও একটি ভাল অন্তর্দৃষ্টি। যদিও এটা স্পষ্ট করা আবশ্যক যে অতীতের পারফরম্যান্স ভবিষ্যতে রিটার্নের কোন গ্যারান্টি নয়, তবুও তারা বাজারের প্রতিকূল অবস্থার মধ্যে কীভাবে তহবিল ধরে রেখেছে তা দেখিয়ে সাহায্য করে।

শীর্ষ ELSS তহবিল

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 15.4% since its launch. Ranked 1 in ELSS category. Return for 2023 was 24% , 2022 was 5.9% and 2021 was 30.4% .

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (02 May 24)	₹39.2361 ↑ 0.09 (0.23 %)
Net Assets (Cr)	₹4,028 on 31 Mar 24
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	2.14
Information Ratio	-0.58
Alpha Ratio	-4.3
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 19	₹10,000
30 Apr 20	₹8,621
30 Apr 21	₹12,683
30 Apr 22	₹15,084
30 Apr 23	₹15,997
30 Apr 24	₹21,551

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 May 24

Duration	Returns
1 Month	3.1%
3 Month	5.5%
6 Month	20.8%
1 Year	34.3%
3 Year	19.4%
5 Year	16.8%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	2.29 Yr.
Tejas Gutka	9 Mar 21	3.07 Yr.

Data below for Tata India Tax Savings Fund as on 31 Mar 24

Equity Sector Allocation

Sector	Value
Financial Services	31.98%
Industrials	15.23%
Consumer Cyclical	12.42%
Technology	7.95%
Basic Materials	6.92%
Energy	4.98%
Communication Services	4.52%
Health Care	4.47%
Utility	3.69%
Consumer Defensive	2.32%
Real Estate	2.27%

Asset Allocation

Asset Class	Value
Cash	3.25%
Equity	96.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	8%	₹313 Cr	2,160,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹254 Cr	2,325,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	5%	₹201 Cr	675,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹188 Cr	2,500,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹174 Cr	1,160,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹136 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹133 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹116 Cr	3,451,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	3%	₹115 Cr	940,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Jun 22 \| 532497	2%	₹93 Cr	540,000

2. 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 14.5% since its launch. Ranked 7 in ELSS category. Return for 2023 was 28.4% , 2022 was -3% and 2021 was 30.3% .

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

L&T Tax Advantage Fund Growth
Launch Date	27 Feb 06
NAV (02 May 24)	₹116.798 ↑ 0.95 (0.82 %)
Net Assets (Cr)	₹3,674 on 31 Mar 24
Category	Equity - ELSS
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.98
Sharpe Ratio	2.71
Information Ratio	-0.39
Alpha Ratio	3.01
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 19	₹10,000
30 Apr 20	₹8,402
30 Apr 21	₹12,591
30 Apr 22	₹14,387
30 Apr 23	₹15,046
30 Apr 24	₹21,653

L&T Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 2 May 24

Duration	Returns
1 Month	5.2%
3 Month	10.8%
6 Month	29.8%
1 Year	44.3%
3 Year	20.1%
5 Year	17%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	44.8%

Fund Manager information for L&T Tax Advantage Fund

Name	Since	Tenure
Gautam Bhupal	26 Nov 22	1.35 Yr.
Sonal Gupta	21 Jul 21	2.7 Yr.
Abhishek Gupta	1 Mar 24	0.08 Yr.

Data below for L&T Tax Advantage Fund as on 31 Mar 24

Equity Sector Allocation

Sector	Value
Industrials	24.57%
Financial Services	22.01%
Consumer Cyclical	17.05%
Technology	10%
Energy	6.3%
Health Care	4.05%
Basic Materials	3.86%
Utility	3.67%
Real Estate	3.37%
Consumer Defensive	2.03%
Communication Services	1.05%

Asset Allocation

Asset Class	Value
Cash	2.04%
Equity	97.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 22 \| LT	5%	₹168 Cr	447,600 ↓ -126,500
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	4%	₹160 Cr	537,600
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 06 \| HDFCBANK	4%	₹141 Cr	971,700
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 09 \| ICICIBANK	3%	₹126 Cr	1,155,500
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Apr 22 \| 500093	3%	₹114 Cr	2,107,000 ↓ -379,300
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 21 \| PERSISTENT	3%	₹112 Cr	281,200
KPIT Technologies Ltd (Technology) Equity, Since 30 Sep 21 \| 542651	3%	₹98 Cr	662,200
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	3%	₹93 Cr	622,100
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 23 \| 500251	2%	₹79 Cr	199,227
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	2%	₹78 Cr	4,258,282 ↓ -648,518

3. Principal Tax Savings Fund

To build a high quality growth-oriented portfolio to provide long-term capital gains to the investors, the scheme aims at providing returns through capital appreciation.

Principal Tax Savings Fund is a Equity - ELSS fund was launched on 31 Mar 96. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.3% since its launch. Ranked 8 in ELSS category. Return for 2023 was 24.5% , 2022 was 4.3% and 2021 was 32.1% .

Below is the key information for Principal Tax Savings Fund

Principal Tax Savings Fund Growth
Launch Date	31 Mar 96
NAV (02 May 24)	₹459.85 ↑ 1.02 (0.22 %)
Net Assets (Cr)	₹1,222 on 29 Feb 24
Category	Equity - ELSS
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.36
Sharpe Ratio	2.17
Information Ratio	-0.28
Alpha Ratio	-2.44
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 19	₹10,000
30 Apr 20	₹8,312
30 Apr 21	₹12,608
30 Apr 22	₹15,410
30 Apr 23	₹16,148
30 Apr 24	₹22,001

Principal Tax Savings 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 Principal 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 May 24

Duration	Returns
1 Month	2.9%
3 Month	8.4%
6 Month	21.8%
1 Year	36%
3 Year	20.5%
5 Year	17.2%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	24.5%
2022	4.3%
2021	32.1%
2020	18.9%
2019	2.5%
2018	-9.2%
2017	48.8%
2016	6.2%
2015	2.7%
2014	49.4%

Fund Manager information for Principal Tax Savings Fund

Name	Since	Tenure
Sudhir Kedia	29 Oct 19	4.43 Yr.
Rohit Seksaria	1 Jan 22	2.25 Yr.

Data below for Principal Tax Savings Fund as on 29 Feb 24

Equity Sector Allocation

Sector	Value
Financial Services	31.8%
Consumer Cyclical	11.08%
Industrials	9.99%
Technology	9.84%
Health Care	8.44%
Consumer Defensive	8.28%
Energy	6.54%
Basic Materials	5.26%
Communication Services	2.86%
Real Estate	0.45%

Asset Allocation

Asset Class	Value
Cash	5.28%
Equity	94.56%
Debt	0.16%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	7%	₹88 Cr	606,077
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	7%	₹81 Cr	274,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹72 Cr	661,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	4%	₹47 Cr	313,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Aug 15 \| SUNPHARMA	3%	₹38 Cr	233,000
Force Motors Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| 500033	3%	₹37 Cr	50,500 ↓ -5,500
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 13 \| LT	3%	₹34 Cr	89,021 ↑ 20,000
State Bank of India (Financial Services) Equity, Since 30 Apr 05 \| SBIN	3%	₹33 Cr	444,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| 532215	3%	₹33 Cr	311,000
Sundaram Liquid Dir Gr Investment Fund \| -	3%	₹32 Cr	150,576 ↑ 93,913

4. 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 20% 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 (02 May 24)	₹159.98 ↑ 0.98 (0.62 %)
Net Assets (Cr)	₹1,210 on 31 Mar 24
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.49
Sharpe Ratio	3
Information Ratio	0.75
Alpha Ratio	7.1
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 19	₹10,000
30 Apr 20	₹10,168
30 Apr 21	₹16,354
30 Apr 22	₹19,161
30 Apr 23	₹20,449
30 Apr 24	₹31,762

BOI AXA Tax Advantage Fund SIP 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 2 May 24

Duration	Returns
1 Month	3.8%
3 Month	11.4%
6 Month	36.7%
1 Year	55.9%
3 Year	25%
5 Year	26.2%
10 Year
15 Year
Since launch	20%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Alok Singh	27 Apr 22	1.93 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	26.09%
Industrials	15.01%
Basic Materials	13.12%
Consumer Cyclical	11.68%
Health Care	7.86%
Energy	6.67%
Technology	4.65%
Utility	4.07%
Consumer Defensive	3.51%
Real Estate	1.84%

Asset Allocation

Asset Class	Value
Cash	5.45%
Equity	94.51%
Debt	0.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	4%	₹50 Cr	660,000 ↑ 40,000
Canara Bank (Financial Services) Equity, Since 31 Aug 22 \| 532483	4%	₹43 Cr	745,000 ↑ 50,000
Oil India Ltd (Energy) Equity, Since 31 Mar 23 \| 533106	3%	₹42 Cr	702,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹41 Cr	280,000
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	3%	₹39 Cr	130,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 30 Jun 22 \| SUNPHARMA	3%	₹35 Cr	217,000
Bank of Baroda (Financial Services) Equity, Since 31 Oct 22 \| 532134	3%	₹33 Cr	1,236,338
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 22 \| LT	3%	₹31 Cr	82,800
NTPC Ltd (Utilities) Equity, Since 30 Apr 22 \| 532555	3%	₹31 Cr	920,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| 541154	2%	₹29 Cr	86,000 ↑ 18,000

ভূমিকা

একটি ELSS ক্যালকুলেটর কি?