8 શ્રેષ્ઠ ELSS ટેક્સ સેવિંગ મ્યુચ્યુઅલ ફંડ્સ 2022

Updated on June 9, 2026 , 65693 views

નાણાકીય વર્ષ પૂરા થવા સાથે, તે તમારી શરૂઆત કરવાનો સમય છેટેક્સ પ્લાનિંગ. ભારતમાં ટેક્સ બચતના ઘણા વિકલ્પો સાથે,ELSS શ્રેષ્ઠ છે કારણ કે તેઓ કર બચત ઉપરાંત લાભો ઓફર કરે છે.

ELSS અથવા ઇક્વિટી લિંક્ડ સેવિંગ સ્કીમ્સ 3 વર્ષના લોક-ઇન સમયગાળા સાથે આવે છે, જે અન્ય તમામ ટેક્સ બચતની સરખામણીમાં સૌથી ટૂંકી હોલ્ડિંગ છે. દ્વારારોકાણ ELSS માં, વ્યક્તિ INR 1,50 સુધીની કપાત મેળવી શકે છે,000 તેમના કરપાત્રમાંથીઆવક મુજબકલમ 80C નાઆવક વેરો એક્ટ. જેમ કે, ELSS ફંડ ઇક્વિટી અને સંબંધિત ઉત્પાદનોમાં રોકાણ કરવામાં આવતા ફંડના મોટા ભાગ સાથે ઇક્વિટી વૈવિધ્યસભર છે, તેઓ ઇક્વિટી વળતર પણ આપે છે. આનો અર્થ એ છે કે રોકાણકારો તેમના રોકાણ પર ઇક્વિટી વળતર પણ મેળવી શકે છે.

આ સ્કીમની કેટલીક અન્ય મહત્વની વિશેષતાઓ જોઈએ તે પહેલાં, ચાલો શ્રેષ્ઠ ELSS ટેક્સ બચત તપાસીએમ્યુચ્યુઅલ ફંડ 2022 - 2023 માટે.

ટેક્સ બચત માટે ELSS શા માટે પસંદ કરો?

ELSS ના અન્ય મુખ્ય ફાયદાઓ છે:

ટેક્સ ફ્રી રિટર્ન

બજેટ 2018 મુજબ, ELSS લાંબા ગાળા માટે આકર્ષિત થશેપાટનગર ગેન્સ (LTCG). રોકાણકારો પર લાંબા ગાળા માટે 10% (કોઈ ઇન્ડેક્સેશન વિના) ટેક્સ લાગશેમૂડી લાભ કર INR 1 લાખ સુધીના લાભો કરમુક્ત છે. INR 1 લાખથી વધુના નફા પર 10% ટેક્સ લાગુ થાય છે.

ન્યૂનતમ રોકાણની રકમ

એ લઈનેSIP રૂટ, રોકાણકારો INR 500 જેટલી ઓછી રકમનું રોકાણ કરી શકે છે. આ વ્યક્તિને પરવાનગી આપે છેનાણાં બચાવવા એક સામટી રકમને બદલે દર મહિને.

ઇક્વિટી રિટર્ન્સ

આ મ્યુચ્યુઅલ ફંડ ઇક્વિટી-સંબંધિત સાધનોમાં રોકાણ કરે છે, તેથી તમે જે નાણાંનું રોકાણ કરો છો તે સ્ટોક તરીકે વધે છેબજાર વધે. તેથી, ELSS ફંડ્સમાં નફો વધારે છે.

Ready to Invest?
Talk to our investment specialist

શ્રેષ્ઠ પ્રદર્શન કરનાર ELSS ટેક્સ સેવિંગ મ્યુચ્યુઅલ ફંડ નાણાકીય વર્ષ 22 - 23

Fund	NAV	Net Assets (Cr)	Rating	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	☆☆☆	1.2	15.4	35.5	20.6	17.4
Motilal Oswal Long Term Equity Fund Growth	₹52.6262 ↓ -0.74	₹4,659	Not Rated	11	6.2	0.1	21.5	16.9	-9.1
JM Tax Gain Fund Growth	₹47.1883 ↓ -0.28	₹220	☆☆☆	5.2	-5.1	-2	14.8	13.4	2.5
Nippon India Tax Saver Fund (ELSS) Growth	₹125.6 ↓ -0.81	₹14,742	☆☆☆	0.7	-3.7	-2.6	14.6	13.1	6
BOI AXA Tax Advantage Fund Growth	₹158.19 ↓ -0.69	₹1,403	☆☆☆	2.3	0.4	-2.9	14.3	12.3	-3.5
Tata India Tax Savings Fund Growth	₹43.8396 ↓ -0.19	₹4,519	☆☆☆☆☆	1.1	-3.8	-1.6	13.1	12	4.9
Franklin India Taxshield Growth	₹1,355.94 ↓ -5.59	₹6,106	☆☆	-1.7	-9.2	-9.2	12.9	11.7	2.1
Baroda Pioneer ELSS 96 Growth	₹68.6676 ↑ 0.33	₹210	Not Rated	-6.1	-3.5	17.6	16.7	11.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Jan 22

Research Highlights & Commentary of 8 Funds showcased

Commentary	HDFC Long Term Advantage Fund	Motilal Oswal Long Term Equity Fund	JM Tax Gain Fund	Nippon India Tax Saver Fund (ELSS)	BOI AXA Tax Advantage Fund	Tata India Tax Savings Fund	Franklin India Taxshield	Baroda Pioneer ELSS 96
Point 1	Lower mid AUM (₹1,318 Cr).	Upper mid AUM (₹4,659 Cr).	Bottom quartile AUM (₹220 Cr).	Highest AUM (₹14,742 Cr).	Lower mid AUM (₹1,403 Cr).	Upper mid AUM (₹4,519 Cr).	Top quartile AUM (₹6,106 Cr).	Bottom quartile AUM (₹210 Cr).
Point 2	Established history (25+ yrs).	Established history (11+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (17+ yrs).	Established history (11+ yrs).	Oldest track record among peers (27 yrs).	Established history (11+ yrs).
Point 3	Rating: 3★ (top quartile).	Not Rated.	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 2★ (lower mid).	Not Rated.
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.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 17.39% (top quartile).	5Y return: 16.86% (top quartile).	5Y return: 13.39% (upper mid).	5Y return: 13.06% (upper mid).	5Y return: 12.33% (lower mid).	5Y return: 12.02% (lower mid).	5Y return: 11.75% (bottom quartile).	5Y return: 11.62% (bottom quartile).
Point 6	3Y return: 20.64% (top quartile).	3Y return: 21.47% (top quartile).	3Y return: 14.80% (upper mid).	3Y return: 14.64% (lower mid).	3Y return: 14.33% (lower mid).	3Y return: 13.12% (bottom quartile).	3Y return: 12.86% (bottom quartile).	3Y return: 16.70% (upper mid).
Point 7	1Y return: 35.51% (top quartile).	1Y return: 0.14% (upper mid).	1Y return: -1.99% (lower mid).	1Y return: -2.63% (lower mid).	1Y return: -2.88% (bottom quartile).	1Y return: -1.59% (upper mid).	1Y return: -9.23% (bottom quartile).	1Y return: 17.56% (top quartile).
Point 8	Alpha: 1.75 (lower mid).	Alpha: 11.45 (top quartile).	Alpha: 1.02 (bottom quartile).	Alpha: 1.23 (lower mid).	Alpha: 4.27 (upper mid).	Alpha: 3.49 (upper mid).	Alpha: -7.09 (bottom quartile).	Alpha: 5.69 (top quartile).
Point 9	Sharpe: 2.27 (top quartile).	Sharpe: 0.48 (upper mid).	Sharpe: 0.03 (bottom quartile).	Sharpe: 0.07 (lower mid).	Sharpe: 0.22 (upper mid).	Sharpe: 0.18 (lower mid).	Sharpe: -0.45 (bottom quartile).	Sharpe: 2.51 (top quartile).
Point 10	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.80 (top quartile).	Information ratio: 0.53 (upper mid).	Information ratio: 0.71 (top quartile).	Information ratio: 0.26 (upper mid).	Information ratio: 0.09 (lower mid).	Information ratio: 0.08 (lower mid).	Information ratio: -0.09 (bottom quartile).

HDFC Long Term Advantage Fund

Lower mid AUM (₹1,318 Cr).
Established history (25+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹4,659 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.86% (top quartile).
3Y return: 21.47% (top quartile).
1Y return: 0.14% (upper mid).
Alpha: 11.45 (top quartile).
Sharpe: 0.48 (upper mid).
Information ratio: 0.80 (top quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹220 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.39% (upper mid).
3Y return: 14.80% (upper mid).
1Y return: -1.99% (lower mid).
Alpha: 1.02 (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.53 (upper mid).

Nippon India Tax Saver Fund (ELSS)

Highest AUM (₹14,742 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.06% (upper mid).
3Y return: 14.64% (lower mid).
1Y return: -2.63% (lower mid).
Alpha: 1.23 (lower mid).
Sharpe: 0.07 (lower mid).
Information ratio: 0.71 (top quartile).

BOI AXA Tax Advantage Fund

Lower mid AUM (₹1,403 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.33% (lower mid).
3Y return: 14.33% (lower mid).
1Y return: -2.88% (bottom quartile).
Alpha: 4.27 (upper mid).
Sharpe: 0.22 (upper mid).
Information ratio: 0.26 (upper mid).

Tata India Tax Savings Fund

Upper mid AUM (₹4,519 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.02% (lower mid).
3Y return: 13.12% (bottom quartile).
1Y return: -1.59% (upper mid).
Alpha: 3.49 (upper mid).
Sharpe: 0.18 (lower mid).
Information ratio: 0.09 (lower mid).

Franklin India Taxshield

Top quartile AUM (₹6,106 Cr).
Oldest track record among peers (27 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.75% (bottom quartile).
3Y return: 12.86% (bottom quartile).
1Y return: -9.23% (bottom quartile).
Alpha: -7.09 (bottom quartile).
Sharpe: -0.45 (bottom quartile).
Information ratio: 0.08 (lower mid).

Baroda Pioneer ELSS 96

Bottom quartile AUM (₹210 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 16.70% (upper mid).
1Y return: 17.56% (top quartile).
Alpha: 5.69 (top quartile).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (bottom quartile).

*ઉપર ELSS ની યાદી છે -ઇક્વિટી મ્યુચ્યુઅલ ફંડ્સ વચ્ચે ચોખ્ખી સંપત્તિ ધરાવે છે100 - 15000 કરોડ અને છેલ્લા 3 વર્ષથી સંપત્તિનું સંચાલન. છેલ્લા 5 વર્ષના રિટર્ન પર ક્રમાંકિતવાર્ષિક/CAGR આધાર.

ELSS ફંડમાં કોણ રોકાણ કરી શકે છે?

સામાન્ય રીતે, ELSS મ્યુચ્યુઅલ ફંડ એવા તમામ પ્રકારના રોકાણકારો માટે યોગ્ય છે જેઓ કર આયોજન અને નાણાં બચાવવા માટે બજાર સાથે જોડાયેલા જોખમો લેવા તૈયાર હોય છે. કોઈપણ વ્યક્તિ તેમના જીવનના કોઈપણ સમયે ELSS ફંડમાં રોકાણ કરી શકે છે. જો કે, તમારી કારકિર્દીના પ્રારંભિક તબક્કા દરમિયાન કર બચત ELSS ફંડમાં રોકાણ કરવાનું સૂચન કરવામાં આવે છે જેથી કરીને સમય જતાં તમારા પૈસા વધે અને તમને વધુ સારું વળતર મળે.

તેથી, કર બચાવો અને એક જ સમયે રોકાણ કરીને સારું વળતર મેળવોશ્રેષ્ઠ elss ફંડ્સ. રોકાણકારોએ જાણવું જોઈએ કે ELSS ફંડમાં રોકાણ કરેલી રકમ 3 વર્ષ માટે લૉક છે.

રોકાણકારો ELSS મ્યુચ્યુઅલ ફંડમાં SIP (સિસ્ટમેટિક) ના એકમ (એક સમય) તરીકે રોકાણ કરી શકે છેરોકાણ યોજના). નવા નિશાળીયા માટે સલાહ આપવામાં આવે છે કે તેઓ સામાન્ય રીતે SIP નો ઉપયોગ કરીને રોકાણ કરે કારણ કે તે તેમના માટે વધુ યોગ્ય છે.

1. 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).
Established history (25+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

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 May 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 14 Jan 22

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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

2. Motilal Oswal Long Term Equity Fund

(Erstwhile Motilal Oswal MOSt Focused Long Term 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. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹4,659 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.86% (top quartile).
3Y return: 21.47% (top quartile).
1Y return: 0.14% (upper mid).
Alpha: 11.45 (top quartile).
Sharpe: 0.48 (upper mid).
Information ratio: 0.80 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Multi Commodity Exchange of India Ltd (~7.6%).

Below is the key information for Motilal Oswal Long Term Equity Fund

Motilal Oswal Long Term Equity Fund Growth
Launch Date	21 Jan 15
NAV (11 Jun 26)	₹52.6262 ↓ -0.74 (-1.39 %)
Net Assets (Cr)	₹4,659 on 30 Apr 26
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	0.48
Information Ratio	0.8
Alpha Ratio	11.45
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,370
31 May 23	₹12,438
31 May 24	₹19,062
31 May 25	₹22,165
31 May 26	₹22,886

Motilal Oswal Long Term Equity 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 Motilal Oswal Long Term 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 14 Jan 22

Duration	Returns
1 Month	-4.3%
3 Month	11%
6 Month	6.2%
1 Year	0.1%
3 Year	21.5%
5 Year	16.9%
10 Year
15 Year
Since launch	15.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-9.1%
2024	47.7%
2023	37%
2022	1.8%
2021	32.1%
2020	8.8%
2019	13.2%
2018	-8.7%
2017	44%
2016	12.5%

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Ajay Khandelwal	11 Dec 23	2.47 Yr.
Ankit Agarwal	16 Mar 26	0.21 Yr.
Rakesh Shetty	22 Nov 22	3.52 Yr.
Atul Mehra	1 Oct 24	1.66 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	28.81%
Industrials	26.93%
Consumer Cyclical	15.5%
Basic Materials	11.95%
Technology	10.88%
Health Care	4.56%

Asset Allocation

Asset Class	Value
Cash	1.37%
Equity	98.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	8%	₹355 Cr	1,196,040 ↓ -100,000
Piramal Finance Ltd (Financial Services) Equity, Since 30 Sep 25 \| PIRAMALFIN	6%	₹260 Cr	1,298,583
Jain Resource Recycling Ltd (Basic Materials) Equity, Since 31 Oct 25 \| JAINREC	5%	₹230 Cr	5,011,074
Apar Industries Ltd (Industrials) Equity, Since 31 Dec 23 \| APARINDS	5%	₹225 Cr	182,754 ↓ -32,891
Ather Energy Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| ATHERENERG	5%	₹215 Cr	2,301,469
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	5%	₹212 Cr	1,221,228
Billionbrains Garage Ventures Ltd (Financial Services) Equity, Since 30 Nov 25 \| GROWW	4%	₹204 Cr	9,500,454 ↓ -2,209,953
Zen Technologies Ltd (Industrials) Equity, Since 31 Dec 24 \| ZENTEC	4%	₹204 Cr	1,218,528
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹198 Cr	246,357 ↓ -30,000
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| WAAREEENER	4%	₹196 Cr	627,718

3. JM Tax Gain Fund

The investment objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities and to enable investors a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns.

Research Highlights for JM Tax Gain Fund

Bottom quartile AUM (₹220 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.39% (upper mid).
3Y return: 14.80% (upper mid).
1Y return: -1.99% (lower mid).
Alpha: 1.02 (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.53 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Reliance Industries Ltd (~3.5%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (11 Jun 26)	₹47.1883 ↓ -0.28 (-0.60 %)
Net Assets (Cr)	₹220 on 30 Apr 26
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	0.03
Information Ratio	0.53
Alpha Ratio	1.02
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,765
31 May 23	₹12,451
31 May 24	₹18,062
31 May 25	₹19,117
31 May 26	₹19,514

JM Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for JM 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 14 Jan 22

Duration	Returns
1 Month	-2.2%
3 Month	5.2%
6 Month	-5.1%
1 Year	-2%
3 Year	14.8%
5 Year	13.4%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	2.5%
2024	29%
2023	30.9%
2022	0.5%
2021	32.2%
2020	18.3%
2019	14.9%
2018	-4.6%
2017	42.6%
2016	5.2%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.66 Yr.
Asit Bhandarkar	31 Dec 21	4.42 Yr.
Ruchi Fozdar	4 Oct 24	1.66 Yr.
Deepak Gupta	11 Apr 25	1.14 Yr.

Data below for JM Tax Gain Fund as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	29.2%
Consumer Cyclical	17.58%
Technology	10.31%
Industrials	9.29%
Basic Materials	8.2%
Health Care	7.08%
Consumer Defensive	3.76%
Energy	3.48%
Real Estate	3.39%
Communication Services	2.83%
Utility	2.52%

Asset Allocation

Asset Class	Value
Cash	2.36%
Equity	97.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹8 Cr	53,400
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	3%	₹8 Cr	98,262
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	32,950
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹6 Cr	48,500
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	3%	₹6 Cr	14,947 ↓ -3,500
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 590003	3%	₹6 Cr	199,000
Lupin Ltd (Healthcare) Equity, Since 31 May 25 \| 500257	3%	₹6 Cr	25,000
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	59,457
Adani Power Ltd (Utilities) Equity, Since 31 Mar 26 \| 533096	3%	₹6 Cr	249,000 ↑ 114,000
Travel Food Services Ltd (Consumer Cyclical) Equity, Since 31 Jul 25 \| TRAVELFOOD	2%	₹5 Cr	41,598

4. Nippon India Tax Saver Fund (ELSS)

The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. However, there can be no assurance that the scheme’s investment objective shall be achieved.

Research Highlights for Nippon India Tax Saver Fund (ELSS)

Highest AUM (₹14,742 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.06% (upper mid).
3Y return: 14.64% (lower mid).
1Y return: -2.63% (lower mid).
Alpha: 1.23 (lower mid).
Sharpe: 0.07 (lower mid).
Information ratio: 0.71 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~7.1%).

Below is the key information for Nippon India Tax Saver Fund (ELSS)

Nippon India Tax Saver Fund (ELSS) Growth
Launch Date	21 Sep 05
NAV (11 Jun 26)	₹125.6 ↓ -0.81 (-0.64 %)
Net Assets (Cr)	₹14,742 on 30 Apr 26
Category	Equity - ELSS
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	0.07
Information Ratio	0.71
Alpha Ratio	1.23
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,975
31 May 23	₹12,347
31 May 24	₹17,562
31 May 25	₹19,045
31 May 26	₹19,343

Nippon India Tax Saver Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Nippon India Tax Saver Fund (ELSS)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	-2.5%
3 Month	0.7%
6 Month	-3.7%
1 Year	-2.6%
3 Year	14.6%
5 Year	13.1%
10 Year
15 Year
Since launch	13%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6%
2024	17.6%
2023	28.6%
2022	6.9%
2021	37.6%
2020	-0.4%
2019	1.5%
2018	-20.7%
2017	46%
2016	4.2%

Fund Manager information for Nippon India Tax Saver Fund (ELSS)

Name	Since	Tenure
Rupesh Patel	1 Jul 21	4.92 Yr.
Ritesh Rathod	19 Aug 24	1.78 Yr.
Kinjal Desai	25 May 18	8.02 Yr.
Amber Singhania	11 Mar 26	0.22 Yr.

Data below for Nippon India Tax Saver Fund (ELSS) as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	34.58%
Consumer Cyclical	11.81%
Industrials	11.13%
Consumer Defensive	9.96%
Utility	7.89%
Health Care	6.06%
Energy	5.52%
Technology	4.37%
Communication Services	4.34%
Basic Materials	2.6%

Asset Allocation

Asset Class	Value
Cash	1.74%
Equity	98.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| ICICIBANK	7%	₹1,049 Cr	8,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	6%	₹941 Cr	12,200,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| 532215	4%	₹621 Cr	4,900,000
NTPC Ltd (Utilities) Equity, Since 28 Feb 19 \| 532555	4%	₹559 Cr	14,000,000
State Bank of India (Financial Services) Equity, Since 31 Dec 13 \| SBIN	4%	₹524 Cr	4,900,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 20 \| RELIANCE	3%	₹486 Cr	3,400,000 ↓ -250,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| MOTHERSON	3%	₹464 Cr	38,319,861
Infosys Ltd (Technology) Equity, Since 31 Mar 20 \| INFY	3%	₹449 Cr	3,800,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	3%	₹432 Cr	2,290,000
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Nov 22 \| 532810	3%	₹409 Cr	9,111,111

5. 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.)

Research Highlights for BOI AXA Tax Advantage Fund

Lower mid AUM (₹1,403 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.33% (lower mid).
3Y return: 14.33% (lower mid).
1Y return: -2.88% (bottom quartile).
Alpha: 4.27 (upper mid).
Sharpe: 0.22 (upper mid).
Information ratio: 0.26 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~4.5%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (11 Jun 26)	₹158.19 ↓ -0.69 (-0.43 %)
Net Assets (Cr)	₹1,403 on 30 Apr 26
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	0.22
Information Ratio	0.26
Alpha Ratio	4.27
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,526
31 May 23	₹12,217
31 May 24	₹18,824
31 May 25	₹18,578
31 May 26	₹18,770

BOI AXA Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 14 Jan 22

Duration	Returns
1 Month	-2.5%
3 Month	2.3%
6 Month	0.4%
1 Year	-2.9%
3 Year	14.3%
5 Year	12.3%
10 Year
15 Year
Since launch	17.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-3.5%
2024	21.6%
2023	34.8%
2022	-1.3%
2021	41.5%
2020	31.2%
2019	14.6%
2018	-16.3%
2017	57.7%
2016	-1.2%

Fund Manager information for BOI AXA Tax Advantage Fund

Name	Since	Tenure
Alok Singh	27 Apr 22	4.1 Yr.

Data below for BOI AXA Tax Advantage Fund as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	25.57%
Industrials	19.91%
Basic Materials	15.58%
Consumer Cyclical	9.77%
Consumer Defensive	6.46%
Utility	5.23%
Technology	3.43%
Communication Services	3.16%
Energy	2.3%
Health Care	1.89%
Real Estate	0.1%

Asset Allocation

Asset Class	Value
Cash	3.56%
Equity	96.32%
Debt	0.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	4%	₹62 Cr	584,286 ↑ 32,286
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	4%	₹49 Cr	114,000
Quality Power Electrical Equipments Ltd (Industrials) Equity, Since 31 Jul 25 \| QPOWER	3%	₹45 Cr	324,293
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹44 Cr	235,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	3%	₹42 Cr	335,000
NTPC Ltd (Utilities) Equity, Since 30 Apr 22 \| 532555	3%	₹42 Cr	1,041,000
Power Finance Corp Ltd (Financial Services) Equity, Since 28 Feb 26 \| 532810	3%	₹40 Cr	885,000 ↑ 85,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹39 Cr	510,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 30 Apr 25 \| ADANIPORTS	3%	₹37 Cr	224,000 ↑ 10,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹37 Cr	142,759

6. 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 (₹4,519 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.02% (lower mid).
3Y return: 13.12% (bottom quartile).
1Y return: -1.59% (upper mid).
Alpha: 3.49 (upper mid).
Sharpe: 0.18 (lower mid).
Information ratio: 0.09 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Bharti Airtel Ltd (~6.0%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (11 Jun 26)	₹43.8396 ↓ -0.19 (-0.44 %)
Net Assets (Cr)	₹4,519 on 30 Apr 26
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0.18
Information Ratio	0.09
Alpha Ratio	3.49
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,871
31 May 23	₹12,215
31 May 24	₹16,051
31 May 25	₹17,815
31 May 26	₹18,393

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 14 Jan 22

Duration	Returns
1 Month	-2.5%
3 Month	1.1%
6 Month	-3.8%
1 Year	-1.6%
3 Year	13.1%
5 Year	12%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.9%
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%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.46 Yr.

Data below for Tata India Tax Savings Fund as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	34.36%
Industrials	15.3%
Consumer Cyclical	12.74%
Basic Materials	6.26%
Health Care	6.07%
Communication Services	5.96%
Energy	5.56%
Technology	4.72%
Utility	3.05%
Real Estate	2.01%
Consumer Defensive	1.25%

Asset Allocation

Asset Class	Value
Cash	1.84%
Equity	98.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	6%	₹269 Cr	1,426,428
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹259 Cr	2,050,000 ↓ -50,000
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	6%	₹259 Cr	3,350,000 ↓ -75,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹218 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹193 Cr	1,350,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹141 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹138 Cr	3,451,000
Cummins India Ltd (Industrials) Equity, Since 31 Dec 20 \| 500480	3%	₹121 Cr	230,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹119 Cr	9,850,000 ↓ -350,000
PB Fintech Ltd (Financial Services) Equity, Since 28 Feb 26 \| POLICYBZR	2%	₹111 Cr	664,850

7. Franklin India Taxshield

The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate

Research Highlights for Franklin India Taxshield

Top quartile AUM (₹6,106 Cr).
Oldest track record among peers (27 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.75% (bottom quartile).
3Y return: 12.86% (bottom quartile).
1Y return: -9.23% (bottom quartile).
Alpha: -7.09 (bottom quartile).
Sharpe: -0.45 (bottom quartile).
Information ratio: 0.08 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~8.2%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (11 Jun 26)	₹1,355.94 ↓ -5.59 (-0.41 %)
Net Assets (Cr)	₹6,106 on 30 Apr 26
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.45
Information Ratio	0.08
Alpha Ratio	-7.09
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,837
31 May 23	₹12,385
31 May 24	₹17,551
31 May 25	₹19,446
31 May 26	₹18,325

Franklin India Taxshield SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Franklin India Taxshield

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	-1.8%
3 Month	-1.7%
6 Month	-9.2%
1 Year	-9.2%
3 Year	12.9%
5 Year	11.7%
10 Year
15 Year
Since launch	19.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	2.1%
2024	22.4%
2023	31.2%
2022	5.4%
2021	36.7%
2020	9.8%
2019	5.1%
2018	-3%
2017	29.1%
2016	4.7%

Fund Manager information for Franklin India Taxshield

Name	Since	Tenure
R. Janakiraman	2 May 16	10.09 Yr.
Rajasa Kakulavarapu	1 Dec 23	2.5 Yr.

Data below for Franklin India Taxshield as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	32.49%
Industrials	13.6%
Consumer Cyclical	8.49%
Basic Materials	8.28%
Technology	8.02%
Consumer Defensive	6.03%
Health Care	4.54%
Utility	4.46%
Energy	4.04%
Communication Services	3.52%
Real Estate	1.44%

Asset Allocation

Asset Class	Value
Cash	5.08%
Equity	94.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	8%	₹503 Cr	6,520,834
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	7%	₹417 Cr	3,297,903
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	5%	₹314 Cr	2,477,634
State Bank of India (Financial Services) Equity, Since 31 Aug 15 \| SBIN	5%	₹303 Cr	2,833,344
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹288 Cr	717,322 ↓ -143,326
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	4%	₹226 Cr	1,911,441 ↑ 35,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	4%	₹215 Cr	1,139,052
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹211 Cr	1,472,922
Grasim Industries Ltd (Basic Materials) Equity, Since 30 Jun 11 \| GRASIM	3%	₹191 Cr	685,013
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Nov 17 \| KOTAKBANK	3%	₹191 Cr	4,981,055

8. Baroda Pioneer ELSS 96

The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Research Highlights for Baroda Pioneer ELSS 96

Bottom quartile AUM (₹210 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 16.70% (upper mid).
1Y return: 17.56% (top quartile).
Alpha: 5.69 (top quartile).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (bottom quartile).

Below is the key information for Baroda Pioneer ELSS 96

Baroda Pioneer ELSS 96 Growth
Launch Date	2 Mar 15
NAV (11 Mar 22)	₹68.6676 ↑ 0.33 (0.48 %)
Net Assets (Cr)	₹210 on 31 Jan 22
Category	Equity - ELSS
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.55
Sharpe Ratio	2.51
Information Ratio	-0.09
Alpha Ratio	5.69
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000

Baroda Pioneer ELSS 96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Baroda Pioneer ELSS 96

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	-3.9%
3 Month	-6.1%
6 Month	-3.5%
1 Year	17.6%
3 Year	16.7%
5 Year	11.6%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for Baroda Pioneer ELSS 96

Name	Since	Tenure

Data below for Baroda Pioneer ELSS 96 as on 31 Jan 22

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

ELSS SIP કેલ્ક્યુલેટર

Know Your SIP Returns

Total investment amount is ₹720,000
expected amount after 5 Years is ₹1,074,189.
Net Profit of ₹354,189 Invest Now

શ્રેષ્ઠ ELSS ઑનલાઇનમાં કેવી રીતે રોકાણ કરવું?

Fincash.com પર આજીવન માટે મફત રોકાણ ખાતું ખોલો.

તમારી નોંધણી અને KYC પ્રક્રિયા પૂર્ણ કરો

દસ્તાવેજો અપલોડ કરો (PAN, આધાર, વગેરે).અને, તમે રોકાણ કરવા માટે તૈયાર છો!

શરૂ કરો

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.