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ELSS Calculator

Updated on May 15, 2025 , 7684 views

Introduction

ELSS is an open-ended Equity Mutual Fund that not only is great for tax saving purposes but also creates a growth opportunity for your investment. These schemes are promoted by the Government of India to inculcate a habit of long-term investment among people. As is evident from the name, the major portion of the fund in Equity Linked Savings Schemes is invested in equities or equity-related products. When you plan on making equity investments it is a wise decision to determine the performance of the investment prior to Investing. This can be done by a tool referred to as an ELSS Calculator.

What is an ELSS Calculator?

An ELSS calculator is an extremely helpful tool that plays an important role in helping you make the right decisions with regards to choosing the best investment in an ELSS scheme. T=You will be able to evaluate how effective or not an investment will be. Depending on the type of scheme you choose, there are a number of ELSS Calculators that you can make use of.

ELSS Calculator: Past Performance of SIP work?

The Past Performance sip calculator is a significant tool in providing insights on the historical performance of your SIP. The calculator takes into account certain details like:

  1. SIP investment amount
  2. Starting month and year of the SIP
  3. Maturity month and year of the SIP
  4. Valuation date
  5. Name of the Asset Management Company

With the above details, an ELSS SIP Past Performance Calculator will generate an estimate of how much your SIP investment will be worth at the time of maturity. Such an evaluation is a good means to determining how a fund performs during different Market cycles. The long run performance is also a good insight into gauging where the fund might be heading in terms of future prospects. Though it must be clarified that past performances are no guarantee to the returns in the future, they do however help by showing how the fund held up during adverse market conditions.

Know Your SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹720,000
expected amount after 5 Years is ₹1,074,189.
Net Profit of ₹354,189
Invest Now

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Top ELSS Funds

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 14.9% since its launch.  Ranked 1 in ELSS category.  Return for 2024 was 19.5% , 2023 was 24% and 2022 was 5.9% .

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund
Growth
Launch Date 13 Oct 14
NAV (16 May 25) ₹43.4528 ↑ 0.04   (0.10 %)
Net Assets (Cr) ₹4,335 on 31 Mar 25
Category Equity - ELSS
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio 0.22
Information Ratio -0.15
Alpha Ratio 3.19
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹14,711
30 Apr 22₹17,497
30 Apr 23₹18,556
30 Apr 24₹24,997
30 Apr 25₹26,677

Tata India Tax Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
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 16 May 25

DurationReturns
1 Month 6.1%
3 Month 9.1%
6 Month 1.3%
1 Year 12.1%
3 Year 19.7%
5 Year 24.3%
10 Year
15 Year
Since launch 14.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sailesh Jain16 Dec 213.37 Yr.
Tejas Gutka9 Mar 214.15 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services34.65%
Consumer Cyclical14.48%
Industrials12.7%
Basic Materials6.86%
Technology6.65%
Energy5.57%
Communication Services4.29%
Health Care3.63%
Utility2.78%
Real Estate2.27%
Consumer Defensive1.24%
Asset Allocation
Asset ClassValue
Cash4.87%
Equity95.13%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK
8%₹332 Cr1,725,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK
7%₹303 Cr2,125,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE
4%₹190 Cr1,350,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 19 | BHARTIARTL
4%₹175 Cr940,000
Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY
4%₹174 Cr1,160,000
State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN
4%₹172 Cr2,175,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 532215
3%₹154 Cr1,300,000
NTPC Ltd (Utilities)
Equity, Since 30 Jun 21 | 532555
3%₹122 Cr3,451,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 16 | LT
3%₹118 Cr352,147
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Mar 22 | 500034
2%₹92 Cr107,000

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 14.3% since its launch.  Ranked 7 in ELSS category.  Return for 2024 was 33% , 2023 was 28.4% and 2022 was -3% .

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

L&T Tax Advantage Fund
Growth
Launch Date 27 Feb 06
NAV (16 May 25) ₹131.398 ↑ 0.71   (0.55 %)
Net Assets (Cr) ₹3,871 on 31 Mar 25
Category Equity - ELSS
AMC L&T Investment Management Ltd
Rating
Risk Moderately High
Expense Ratio 1.89
Sharpe Ratio 0.38
Information Ratio 0.34
Alpha Ratio 6.76
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹14,985
30 Apr 22₹17,122
30 Apr 23₹17,906
30 Apr 24₹25,770
30 Apr 25₹27,746

L&T 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 ₹570,326.
Net Profit of ₹270,326
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 16 May 25

DurationReturns
1 Month 7%
3 Month 12%
6 Month 2.3%
1 Year 11.9%
3 Year 23.6%
5 Year 25.3%
10 Year
15 Year
Since launch 14.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 33%
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%
Fund Manager information for L&T Tax Advantage Fund
NameSinceTenure
Gautam Bhupal26 Nov 222.43 Yr.
Sonal Gupta21 Jul 213.78 Yr.
Abhishek Gupta1 Mar 241.17 Yr.

Data below for L&T Tax Advantage Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Financial Services25.24%
Consumer Cyclical18.89%
Industrials17.71%
Technology10.69%
Basic Materials6.73%
Health Care5.91%
Energy4.25%
Consumer Defensive3.36%
Utility3.33%
Communication Services2.09%
Real Estate1.42%
Asset Allocation
Asset ClassValue
Cash0.38%
Equity99.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | HDFCBANK
5%₹213 Cr1,162,500
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 09 | ICICIBANK
4%₹156 Cr1,155,500
Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY
3%₹122 Cr774,900
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE
3%₹121 Cr951,812
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 22 | LT
3%₹105 Cr301,450
Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN
2%₹85 Cr1,291,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL
2%₹81 Cr467,000
State Bank of India (Financial Services)
Equity, Since 31 Jan 19 | SBIN
2%₹76 Cr984,432
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 21 | PERSISTENT
2%₹73 Cr133,000
Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 23 | 500251
2%₹69 Cr128,900

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% since its launch.  Ranked 8 in ELSS category.  Return for 2024 was 15.8% , 2023 was 24.5% and 2022 was 4.3% .

Below is the key information for Principal Tax Savings Fund

Principal Tax Savings Fund
Growth
Launch Date 31 Mar 96
NAV (16 May 25) ₹498.812 ↑ 0.74   (0.15 %)
Net Assets (Cr) ₹1,288 on 31 Mar 25
Category Equity - ELSS
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.26
Sharpe Ratio 0.02
Information Ratio -0.26
Alpha Ratio -0.34
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹15,168
30 Apr 22₹18,540
30 Apr 23₹19,428
30 Apr 24₹26,470
30 Apr 25₹28,044

Principal Tax Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
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 16 May 25

DurationReturns
1 Month 5.3%
3 Month 8.3%
6 Month 4.4%
1 Year 9.1%
3 Year 18.7%
5 Year 25.2%
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2024 15.8%
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%
Fund Manager information for Principal Tax Savings Fund
NameSinceTenure
Sudhir Kedia29 Oct 195.51 Yr.
Rohit Seksaria1 Jan 223.33 Yr.

Data below for Principal Tax Savings Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Financial Services32.79%
Industrials12.06%
Consumer Cyclical10.9%
Health Care6.9%
Technology6.68%
Basic Materials5.68%
Consumer Defensive5.67%
Energy5.47%
Communication Services5.18%
Utility1.94%
Asset Allocation
Asset ClassValue
Cash6.17%
Equity93.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK
9%₹118 Cr644,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
8%₹99 Cr737,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE
4%₹55 Cr434,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 13 | LT
4%₹47 Cr134,000
Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY
3%₹43 Cr276,000
↓ -30,000
State Bank of India (Financial Services)
Equity, Since 30 Apr 05 | SBIN
3%₹41 Cr532,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 532215
3%₹34 Cr311,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Oct 22 | INDIGO
2%₹32 Cr62,000
↓ -1,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Jan 14 | 532538
2%₹31 Cr27,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Nov 21 | 890157
2%₹29 Cr221,000

4. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

HDFC Long Term Advantage Fund is a Equity - ELSS fund was launched on 2 Jan 01. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.4% since its launch.  Ranked 23 in ELSS category. .

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.

DateValue
30 Apr 20₹10,000
30 Apr 21₹15,458

HDFC Long Term 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 ₹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 16 May 25

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for HDFC Long Term Advantage Fund
NameSinceTenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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