8 શ્રેષ્ઠ ELSS ટેક્સ સેવિંગ મ્યુચ્યુઅલ ફંડ્સ 2022

Updated on September 30, 2026 , 66003 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.

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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 (%)	2024 (%)
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	₹54.6566 ↓ -0.82	₹5,134	Not Rated	-2	16	5.8	18.6	15.2	-9.1
JM Tax Gain Fund Growth	₹50.3751 ↓ -0.69	₹242	☆☆☆	0.5	17	3.9	13.8	12	2.5
Baroda Pioneer ELSS 96 Growth	₹68.6676 ↑ 0.33	₹210	Not Rated	-6.1	-3.5	17.6	16.7	11.6
Nippon India Tax Saver Fund (ELSS) Growth	₹124.409 ↓ -1.19	₹14,718	☆☆☆	-5.2	4.4	-2.7	10.2	10.2	6
Tata India Tax Savings Fund Growth	₹44.3688 ↓ -0.45	₹4,747	☆☆☆☆☆	-4.2	7.3	0.9	10	10	4.9
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	☆☆☆	9.7	15.1	16.9	20.8	10
Kotak Tax Saver Fund Growth	₹112.245 ↓ -1.03	₹6,384	☆☆☆	-2.4	7.8	-2.1	8.7	9.8	1.8
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	Baroda Pioneer ELSS 96	Nippon India Tax Saver Fund (ELSS)	Tata India Tax Savings Fund	IDBI Equity Advantage Fund	Kotak Tax Saver Fund
Point 1	Lower mid AUM (₹1,318 Cr).	Upper mid AUM (₹5,134 Cr).	Bottom quartile AUM (₹242 Cr).	Bottom quartile AUM (₹210 Cr).	Highest AUM (₹14,718 Cr).	Upper mid AUM (₹4,747 Cr).	Lower mid AUM (₹485 Cr).	Top quartile AUM (₹6,384 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (11+ yrs).	Established history (18+ yrs).	Established history (11+ yrs).	Established history (21+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (top quartile).	Not Rated.	Rating: 3★ (upper mid).	Not Rated.	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).
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: 15.20% (top quartile).	5Y return: 11.98% (upper mid).	5Y return: 11.62% (upper mid).	5Y return: 10.19% (lower mid).	5Y return: 9.99% (lower mid).	5Y return: 9.97% (bottom quartile).	5Y return: 9.84% (bottom quartile).
Point 6	3Y return: 20.64% (top quartile).	3Y return: 18.56% (upper mid).	3Y return: 13.82% (lower mid).	3Y return: 16.70% (upper mid).	3Y return: 10.16% (lower mid).	3Y return: 9.98% (bottom quartile).	3Y return: 20.84% (top quartile).	3Y return: 8.70% (bottom quartile).
Point 7	1Y return: 35.51% (top quartile).	1Y return: 5.82% (upper mid).	1Y return: 3.87% (lower mid).	1Y return: 17.56% (top quartile).	1Y return: -2.74% (bottom quartile).	1Y return: 0.86% (lower mid).	1Y return: 16.92% (upper mid).	1Y return: -2.07% (bottom quartile).
Point 8	Alpha: 1.75 (lower mid).	Alpha: 11.90 (top quartile).	Alpha: 5.40 (upper mid).	Alpha: 5.69 (upper mid).	Alpha: -1.34 (bottom quartile).	Alpha: 6.01 (top quartile).	Alpha: 1.78 (lower mid).	Alpha: 0.24 (bottom quartile).
Point 9	Sharpe: 2.27 (top quartile).	Sharpe: 0.62 (upper mid).	Sharpe: 0.22 (lower mid).	Sharpe: 2.51 (top quartile).	Sharpe: -0.02 (bottom quartile).	Sharpe: 0.40 (lower mid).	Sharpe: 1.21 (upper mid).	Sharpe: 0.08 (bottom quartile).
Point 10	Information ratio: -0.15 (lower mid).	Information ratio: 0.76 (top quartile).	Information ratio: 0.70 (top quartile).	Information ratio: -0.09 (lower mid).	Information ratio: 0.10 (upper mid).	Information ratio: 0.18 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.26 (bottom quartile).

HDFC Long Term Advantage Fund

Lower mid AUM (₹1,318 Cr).
Oldest track record among peers (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 (lower mid).

Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹5,134 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.20% (top quartile).
3Y return: 18.56% (upper mid).
1Y return: 5.82% (upper mid).
Alpha: 11.90 (top quartile).
Sharpe: 0.62 (upper mid).
Information ratio: 0.76 (top quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹242 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.98% (upper mid).
3Y return: 13.82% (lower mid).
1Y return: 3.87% (lower mid).
Alpha: 5.40 (upper mid).
Sharpe: 0.22 (lower mid).
Information ratio: 0.70 (top quartile).

Baroda Pioneer ELSS 96

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

Nippon India Tax Saver Fund (ELSS)

Highest AUM (₹14,718 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.19% (lower mid).
3Y return: 10.16% (lower mid).
1Y return: -2.74% (bottom quartile).
Alpha: -1.34 (bottom quartile).
Sharpe: -0.02 (bottom quartile).
Information ratio: 0.10 (upper mid).

Tata India Tax Savings Fund

Upper mid AUM (₹4,747 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.99% (lower mid).
3Y return: 9.98% (bottom quartile).
1Y return: 0.86% (lower mid).
Alpha: 6.01 (top quartile).
Sharpe: 0.40 (lower mid).
Information ratio: 0.18 (upper mid).

IDBI Equity Advantage Fund

Lower mid AUM (₹485 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (top quartile).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (upper mid).
Information ratio: -1.13 (bottom quartile).

Kotak Tax Saver Fund

Top quartile AUM (₹6,384 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.84% (bottom quartile).
3Y return: 8.70% (bottom quartile).
1Y return: -2.07% (bottom quartile).
Alpha: 0.24 (bottom quartile).
Sharpe: 0.08 (bottom quartile).
Information ratio: -0.26 (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).
Oldest track record among peers (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 (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

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
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

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 (₹5,134 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.20% (top quartile).
3Y return: 18.56% (upper mid).
1Y return: 5.82% (upper mid).
Alpha: 11.90 (top quartile).
Sharpe: 0.62 (upper mid).
Information ratio: 0.76 (top quartile).
Higher exposure to Industrials vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~93%).
Largest holding Multi Commodity Exchange of India Ltd (~5.6%).

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 (01 Oct 26)	₹54.6566 ↓ -0.82 (-1.48 %)
Net Assets (Cr)	₹5,134 on 31 Aug 26
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	0.62
Information Ratio	0.76
Alpha Ratio	11.9
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹9,636
30 Sep 23	₹12,126
30 Sep 24	₹20,197
30 Sep 25	₹18,950
30 Sep 26	₹20,511

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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	-5.5%
3 Month	-2%
6 Month	16%
1 Year	5.8%
3 Year	18.6%
5 Year	15.2%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-9.1%
2023	47.7%
2022	37%
2021	1.8%
2020	32.1%
2019	8.8%
2018	13.2%
2017	-8.7%
2016	44%
2015	12.5%

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Varun Sharma	3 Jul 26	0.16 Yr.
Ajay Khandelwal	11 Dec 23	2.72 Yr.
Ankit Agarwal	16 Mar 26	0.46 Yr.
Rakesh Shetty	22 Nov 22	3.78 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Industrials	28.47%
Financial Services	21.48%
Consumer Cyclical	14.39%
Technology	14.11%
Basic Materials	11.53%
Health Care	3.23%

Asset Allocation

Asset Class	Value
Cash	6.78%
Equity	93.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	6%	₹289 Cr	850,000 ↓ -50,000
Ather Energy Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| ATHERENERG	5%	₹258 Cr	1,500,000
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	5%	₹255 Cr	115,181
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| PAYTM	5%	₹240 Cr	1,400,000 ↓ -78,714
Apar Industries Ltd (Industrials) Equity, Since 31 Dec 23 \| APARINDS	4%	₹230 Cr	130,000 ↓ -439
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	4%	₹220 Cr	468,050 ↓ -25,000
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 30 Apr 26 \| 501423	4%	₹219 Cr	668,063 ↑ 8,009
Zen Technologies Ltd (Industrials) Equity, Since 31 Dec 24 \| ZENTEC	4%	₹212 Cr	1,190,000
SJS Enterprises Ltd (Consumer Cyclical) Equity, Since 31 May 26 \| SJS	4%	₹209 Cr	840,000 ↓ -6,282
Shriram Finance Ltd (Financial Services) Equity, Since 31 Dec 25 \| SHRIRAMFIN	4%	₹189 Cr	1,700,000 ↓ -25,541

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 (₹242 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.98% (upper mid).
3Y return: 13.82% (lower mid).
1Y return: 3.87% (lower mid).
Alpha: 5.40 (upper mid).
Sharpe: 0.22 (lower mid).
Information ratio: 0.70 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding One97 Communications Ltd (~3.3%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (01 Oct 26)	₹50.3751 ↓ -0.69 (-1.35 %)
Net Assets (Cr)	₹242 on 31 Jul 26
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	0.22
Information Ratio	0.7
Alpha Ratio	5.4
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹9,668
30 Sep 23	₹11,889
30 Sep 24	₹18,242
30 Sep 25	₹16,682
30 Sep 26	₹17,768

JM Tax Gain Fund 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 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	-4.3%
3 Month	0.5%
6 Month	17%
1 Year	3.9%
3 Year	13.8%
5 Year	12%
10 Year
15 Year
Since launch	9.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.5%
2023	29%
2022	30.9%
2021	0.5%
2020	32.2%
2019	18.3%
2018	14.9%
2017	-4.6%
2016	42.6%
2015	5.2%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.92 Yr.
Asit Bhandarkar	31 Dec 21	4.67 Yr.
Ruchi Fozdar	4 Oct 24	1.91 Yr.
Deepak Gupta	11 Apr 25	1.39 Yr.

Data below for JM Tax Gain Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Financial Services	26.35%
Consumer Cyclical	22.51%
Technology	14.01%
Basic Materials	8.1%
Health Care	7.65%
Industrials	6.51%
Consumer Defensive	3.49%
Real Estate	3.38%
Energy	2.75%
Communication Services	2.41%
Utility	1.55%

Asset Allocation

Asset Class	Value
Cash	1.32%
Equity	98.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| PAYTM	3%	₹8 Cr	47,371
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹7 Cr	49,357 ↓ -3,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹7 Cr	48,500
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	3%	₹7 Cr	98,262
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 590003	3%	₹7 Cr	199,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
CarTrade Tech Ltd (Consumer Cyclical) Equity, Since 30 Sep 25 \| 543333	2%	₹6 Cr	20,655
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	2%	₹6 Cr	32,950
Coforge Ltd (Technology) Equity, Since 31 May 25 \| COFORGE	2%	₹6 Cr	28,500
Fortis Healthcare Ltd (Healthcare) Equity, Since 30 Jun 26 \| 532843	2%	₹6 Cr	61,476 ↑ 15,900

4. 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% (upper mid).
3Y return: 16.70% (upper mid).
1Y return: 17.56% (top quartile).
Alpha: 5.69 (upper mid).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower mid).

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

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
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

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

5. 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 (₹14,718 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.19% (lower mid).
3Y return: 10.16% (lower mid).
1Y return: -2.74% (bottom quartile).
Alpha: -1.34 (bottom quartile).
Sharpe: -0.02 (bottom quartile).
Information ratio: 0.10 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~7.4%).

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 (01 Oct 26)	₹124.409 ↓ -1.19 (-0.95 %)
Net Assets (Cr)	₹14,718 on 31 Aug 26
Category	Equity - ELSS
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.02
Information Ratio	0.1
Alpha Ratio	-1.34
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,076
30 Sep 23	₹12,124
30 Sep 24	₹17,455
30 Sep 25	₹16,554
30 Sep 26	₹16,363

Nippon India Tax Saver Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 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	-4.3%
3 Month	-5.2%
6 Month	4.4%
1 Year	-2.7%
3 Year	10.2%
5 Year	10.2%
10 Year
15 Year
Since launch	12.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6%
2023	17.6%
2022	28.6%
2021	6.9%
2020	37.6%
2019	-0.4%
2018	1.5%
2017	-20.7%
2016	46%
2015	4.2%

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

Name	Since	Tenure
Rupesh Patel	1 Jul 21	5.17 Yr.
Ritesh Rathod	19 Aug 24	2.04 Yr.
Kinjal Desai	25 May 18	8.28 Yr.
Amber Singhania	11 Mar 26	0.48 Yr.

Data below for Nippon India Tax Saver Fund (ELSS) as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Financial Services	34.91%
Consumer Cyclical	15.52%
Consumer Defensive	9.08%
Industrials	8.55%
Health Care	7.85%
Utility	6.69%
Energy	4.81%
Communication Services	4.67%
Technology	4.27%
Basic Materials	2.32%

Asset Allocation

Asset Class	Value
Cash	1.34%
Equity	98.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| ICICIBANK	7%	₹1,091 Cr	7,500,000 ↓ -500,000
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	7%	₹971 Cr	13,700,000 ↑ 1,500,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| 532215	4%	₹611 Cr	4,700,000
State Bank of India (Financial Services) Equity, Since 31 Dec 13 \| SBIN	4%	₹519 Cr	4,900,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| MOTHERSON	3%	₹512 Cr	30,000,000 ↓ -5,000,000
NTPC Ltd (Utilities) Equity, Since 28 Feb 19 \| 532555	3%	₹458 Cr	14,000,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 20 \| RELIANCE	3%	₹434 Cr	3,400,000
Infosys Ltd (Technology) Equity, Since 31 Mar 20 \| INFY	3%	₹431 Cr	3,800,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	3%	₹415 Cr	2,290,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 31 Jul 21 \| RADICO	3%	₹381 Cr	850,000

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 (₹4,747 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.99% (lower mid).
3Y return: 9.98% (bottom quartile).
1Y return: 0.86% (lower mid).
Alpha: 6.01 (top quartile).
Sharpe: 0.40 (lower mid).
Information ratio: 0.18 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Bharti Airtel Ltd (~5.4%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (01 Oct 26)	₹44.3688 ↓ -0.45 (-1.01 %)
Net Assets (Cr)	₹4,747 on 31 Aug 26
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0.4
Information Ratio	0.18
Alpha Ratio	6.01
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,192
30 Sep 23	₹12,034
30 Sep 24	₹16,837
30 Sep 25	₹15,781
30 Sep 26	₹16,174

Tata India Tax Savings 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 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	-6.9%
3 Month	-4.2%
6 Month	7.3%
1 Year	0.9%
3 Year	10%
5 Year	10%
10 Year
15 Year
Since launch	13.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.9%
2023	19.5%
2022	24%
2021	5.9%
2020	30.4%
2019	11.9%
2018	13.6%
2017	-8.4%
2016	46%
2015	2.1%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.71 Yr.

Data below for Tata India Tax Savings Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Financial Services	35.22%
Industrials	17.22%
Consumer Cyclical	13.15%
Health Care	6.74%
Communication Services	5.44%
Energy	4.66%
Basic Materials	4.52%
Technology	3.12%
Utility	2.38%
Real Estate	2.26%
Consumer Defensive	1.57%

Asset Allocation

Asset Class	Value
Cash	3.73%
Equity	96.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	5%	₹258 Cr	1,426,428
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	5%	₹238 Cr	1,639,000
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	5%	₹228 Cr	3,210,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹216 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹172 Cr	1,350,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹154 Cr	9,000,000 ↓ -850,000
PB Fintech Ltd (Financial Services) Equity, Since 28 Feb 26 \| POLICYBZR	3%	₹153 Cr	814,850
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹142 Cr	352,147
Pricol Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| PRICOLLTD	3%	₹135 Cr	1,682,941
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 30 Nov 25 \| MOTILALOFS	3%	₹128 Cr	1,231,123

7. 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

Lower mid AUM (₹485 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (top quartile).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (upper 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

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 14 Jan 22

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

8. Kotak Tax Saver Fund

The investment objective of the scheme is to generate longterm capital appreciation from a diversified portfolio of equity and equity related securities and enable investors to avail the income tax rebate, as permitted from time to time.

Research Highlights for Kotak Tax Saver Fund

Top quartile AUM (₹6,384 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.84% (bottom quartile).
3Y return: 8.70% (bottom quartile).
1Y return: -2.07% (bottom quartile).
Alpha: 0.24 (bottom quartile).
Sharpe: 0.08 (bottom quartile).
Information ratio: -0.26 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~6.7%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (01 Oct 26)	₹112.245 ↓ -1.03 (-0.91 %)
Net Assets (Cr)	₹6,384 on 31 Aug 26
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	0.08
Information Ratio	-0.26
Alpha Ratio	0.24
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,331
30 Sep 23	₹12,400
30 Sep 24	₹17,390
30 Sep 25	₹16,151
30 Sep 26	₹16,075

Kotak Tax Saver 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 Kotak 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 14 Jan 22

Duration	Returns
1 Month	-4.9%
3 Month	-2.4%
6 Month	7.8%
1 Year	-2.1%
3 Year	8.7%
5 Year	9.8%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	1.8%
2023	21.8%
2022	23.6%
2021	6.9%
2020	33.2%
2019	14.9%
2018	12.7%
2017	-3.8%
2016	33.8%
2015	7.5%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	11.03 Yr.

Data below for Kotak Tax Saver Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Financial Services	31.37%
Consumer Cyclical	14.34%
Industrials	11%
Health Care	10.41%
Basic Materials	8.11%
Technology	6.68%
Energy	4.91%
Communication Services	4.26%
Consumer Defensive	3.94%
Utility	3.74%

Asset Allocation

Asset Class	Value
Cash	1.25%
Equity	98.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	7%	₹425 Cr	6,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹334 Cr	2,300,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹334 Cr	3,150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	3%	₹217 Cr	1,200,000 ↓ -15,714
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| ETERNAL	3%	₹197 Cr	6,000,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹195 Cr	1,200,000
Bosch Ltd (Consumer Cyclical) Equity, Since 28 Feb 23 \| 500530	3%	₹175 Cr	35,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹170 Cr	5,200,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	3%	₹166 Cr	1,575,000
Divi's Laboratories Ltd (Healthcare) Equity, Since 31 May 25 \| DIVISLAB	3%	₹166 Cr	175,000

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

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