2022-এর জন্য সেরা 3 সেরা ট্যাক্স সেভিং ELSS মিউচুয়াল ফান্ড

Updated on March 4, 2026 , 7509 views

সেরা এলএসএস ফান্ড বা ইক্যুইটি লিঙ্কড সেভিংস স্কিম (ট্যাক্স সেভিং) ইক্যুইটি বৈচিত্র্যময়যৌথ পুঁজি যে প্রধানত ইক্যুইটি-সংযুক্ত উপকরণ (শেয়ার এবং স্টক মত) প্রদান করার জন্য বিনিয়োগবাজার- 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 প্রদান করেধারা 80C এরআয়কর আইন. অধিকন্তু, ELSS মিউচুয়াল ফান্ডগুলি ওপেন-এন্ডেড, যার অর্থ হল যে বিনিয়োগকারীরা যখন খুশি এই তহবিলে সাবস্ক্রাইব করতে পারেন৷ যাইহোক, আগেবিনিয়োগ এই কর সাশ্রয়ী মিউচুয়াল ফান্ডগুলিতে, সেরা ELSS তহবিলের একটি তালিকা বিবেচনা করার পরামর্শ দেওয়া হচ্ছে।

Ready to Invest?
Talk to our investment specialist

2022 সালে বিনিয়োগ করার জন্য শীর্ষ 3টি ELSS ফান্ড

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹47.6571 ↓ -0.22	₹4,188	-5.3	-6.1	11.3	20.6	16.3	-9.1
DSP Tax Saver Fund Growth	₹137.34 ↓ -2.06	₹17,223	-5	1	9.7	18.5	15.7	7.5
Nippon India Tax Saver Fund (ELSS) Growth	₹126.06 ↓ -1.08	₹14,881	-4.2	-0.4	12.3	16.8	14.8	6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Mar 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	DSP Tax Saver Fund	Nippon India Tax Saver Fund (ELSS)
Point 1	Bottom quartile AUM (₹4,188 Cr).	Highest AUM (₹17,223 Cr).	Lower mid AUM (₹14,881 Cr).
Point 2	Established history (11+ yrs).	Established history (19+ yrs).	Oldest track record among peers (20 yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 16.31% (upper mid).	5Y return: 15.71% (lower mid).	5Y return: 14.78% (bottom quartile).
Point 6	3Y return: 20.56% (upper mid).	3Y return: 18.48% (lower mid).	3Y return: 16.77% (bottom quartile).
Point 7	1Y return: 11.29% (lower mid).	1Y return: 9.68% (bottom quartile).	1Y return: 12.29% (upper mid).
Point 8	Alpha: -5.20 (bottom quartile).	Alpha: 1.75 (upper mid).	Alpha: 0.95 (lower mid).
Point 9	Sharpe: -0.04 (bottom quartile).	Sharpe: 0.33 (upper mid).	Sharpe: 0.26 (lower mid).
Point 10	Information ratio: 0.49 (lower mid).	Information ratio: 0.93 (upper mid).	Information ratio: 0.22 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Bottom quartile AUM (₹4,188 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.31% (upper mid).
3Y return: 20.56% (upper mid).
1Y return: 11.29% (lower mid).
Alpha: -5.20 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.49 (lower mid).

DSP Tax Saver Fund

Highest AUM (₹17,223 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.71% (lower mid).
3Y return: 18.48% (lower mid).
1Y return: 9.68% (bottom quartile).
Alpha: 1.75 (upper mid).
Sharpe: 0.33 (upper mid).
Information ratio: 0.93 (upper mid).

Nippon India Tax Saver Fund (ELSS)

Lower mid AUM (₹14,881 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.78% (bottom quartile).
3Y return: 16.77% (bottom quartile).
1Y return: 12.29% (upper mid).
Alpha: 0.95 (lower mid).
Sharpe: 0.26 (lower mid).
Information ratio: 0.22 (bottom quartile).

1. SBI Magnum Tax Gain Fund

To deliver the benefit of investment in a portfolio of equity shares, while offering deduction on such investment made in the scheme under section 80C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to avail Section 80C benefits.

Research Highlights for SBI Magnum Tax Gain Fund

Highest AUM (₹31,862 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.29% (upper mid).
3Y return: 21.89% (upper mid).
1Y return: 8.08% (bottom quartile).
Alpha: -0.63 (bottom quartile).
Sharpe: 0.13 (bottom quartile).
Information ratio: 1.85 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~8.3%).

Below is the key information for SBI Magnum Tax Gain Fund

SBI Magnum Tax Gain Fund Growth
Launch Date	7 May 07
NAV (06 Mar 26)	₹429.332 ↓ -3.98 (-0.92 %)
Net Assets (Cr)	₹31,862 on 31 Jan 26
Category	Equity - ELSS
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	0.13
Information Ratio	1.85
Alpha Ratio	-0.63
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹11,595
28 Feb 23	₹12,841
29 Feb 24	₹20,296
28 Feb 25	₹21,307
28 Feb 26	₹24,595

SBI Magnum Tax Gain 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 SBI Magnum Tax Gain Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Mar 26

Duration	Returns
1 Month	-3.9%
3 Month	-4.5%
6 Month	-0.6%
1 Year	8.1%
3 Year	21.9%
5 Year	18.3%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	27.7%
2022	40%
2021	6.9%
2020	31%
2019	18.9%
2018	4%
2017	-8.3%
2016	33%
2015	2.1%

Fund Manager information for SBI Magnum Tax Gain Fund

Name	Since	Tenure
Milind Agrawal	1 Jan 26	0.08 Yr.

Data below for SBI Magnum Tax Gain Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	34.93%
Basic Materials	10.42%
Consumer Cyclical	10.31%
Energy	8.89%
Technology	8.35%
Health Care	6.78%
Industrials	6.19%
Utility	4.28%
Communication Services	3.08%
Consumer Defensive	1.94%
Real Estate	1.03%

Asset Allocation

Asset Class	Value
Cash	3.68%
Equity	96.2%
Debt	0.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 07 \| HDFCBANK	8%	₹2,656 Cr	28,586,506
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 06 \| RELIANCE	5%	₹1,573 Cr	11,275,148
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 11 \| AXISBANK	4%	₹1,367 Cr	9,973,332 ↑ 3,500,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	4%	₹1,336 Cr	32,750,000 ↑ 14,500,000
State Bank of India (Financial Services) Equity, Since 31 May 06 \| SBIN	4%	₹1,329 Cr	12,335,639 ↑ 3,000,000
Tata Steel Ltd (Basic Materials) Equity, Since 31 Oct 21 \| TATASTEEL	4%	₹1,197 Cr	62,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| ICICIBANK	4%	₹1,159 Cr	8,551,361 ↑ 1,135,124
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| M&M	3%	₹863 Cr	2,515,083
Infosys Ltd (Technology) Equity, Since 31 Mar 18 \| INFY	3%	₹832 Cr	5,070,498 ↑ 2,000,000
Cipla Ltd (Healthcare) Equity, Since 31 Jul 18 \| CIPLA	3%	₹807 Cr	6,098,542

2. IDBI Equity Advantage Fund

The Scheme will seek to invest predominantly in a diversified portfolio of equity and equity related instruments with the objective to provide investors with opportunities for capital appreciation and income along with the benefit of income-tax deduction(under section 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to be eligible for income-tax benefits under Section 80C. There can be no assurance that the investment objective under the scheme will be realized.

Research Highlights for IDBI Equity Advantage Fund

Bottom quartile AUM (₹485 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (lower mid).
1Y return: 16.92% (lower mid).
Alpha: 1.78 (upper mid).
Sharpe: 1.21 (lower mid).
Information ratio: -1.13 (bottom quartile).

Below is the key information for IDBI Equity Advantage Fund

IDBI Equity Advantage Fund Growth
Launch Date	10 Sep 13
NAV (28 Jul 23)	₹43.39 ↑ 0.04 (0.09 %)
Net Assets (Cr)	₹485 on 30 Jun 23
Category	Equity - ELSS
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.39
Sharpe Ratio	1.21
Information Ratio	-1.13
Alpha Ratio	1.78
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹11,657
28 Feb 23	₹11,985

IDBI Equity Advantage Fund 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 IDBI Equity 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 6 Mar 26

Duration	Returns
1 Month	3.1%
3 Month	9.7%
6 Month	15.1%
1 Year	16.9%
3 Year	20.8%
5 Year	10%
10 Year
15 Year
Since launch	16%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Equity Advantage Fund

Name	Since	Tenure

Data below for IDBI Equity Advantage Fund as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Lower mid AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.39% (lower mid).
3Y return: 20.64% (bottom quartile).
1Y return: 35.51% (upper mid).
Alpha: 1.75 (lower mid).
Sharpe: 2.27 (upper mid).
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
28 Feb 21	₹10,000

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 6 Mar 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।