ELSS વિ ટેક્સ સેવિંગ FD

Updated on August 31, 2025 , 8084 views

ઇક્વિટી લિંક્ડ સેવિંગ્સ સ્કીમ (ELSS)

ELSS એકમાત્ર છેમ્યુચ્યુઅલ ફંડ 80C કપાત માટે પાત્ર. તે એક વૈવિધ્યસભર ઇક્વિટી મ્યુચ્યુઅલ ફંડ છે જે રૂ. સુધીની કર કપાત ઓફર કરે છે. હેઠળ વાર્ષિક 1.5 લાખકલમ 80C નાઆવક વેરો એક્ટ (IT એક્ટ 1961).

ફેબ્રુઆરી બજેટ 2018 ની રજૂઆત પહેલા, તેના વળતર સંપૂર્ણપણે કરમુક્ત હતા. જો કે, હવે તે 10% લાંબા ગાળાને આધીન છેપાટનગર જો તમારામૂડી વધારો રૂ.થી વધુ એક વર્ષ પછી 1 લાખ. 10% ટેક્સ કટ પછી પણ, ELSS અન્ય ટેક્સ-બચત સાધનોની તુલનામાં શ્રેષ્ઠ વળતર આપવાની ક્ષમતા ધરાવે છે. ELSS રોકાણોના લાભો આ સુધી મર્યાદિત નથીકર સાચવેલ આસંયોજન શક્તિ સુનિશ્ચિત કરે છે કે જો તમે 5 વર્ષ (ટેક્સ-બચતનો કાર્યકાળ) માટે રોકાણ કરો છો તો તમારું રોકાણ બમણું થાય છેFD). તેમાં ઉમેરવા માટે, લઘુત્તમ લોક-ઇન સમયગાળો ફક્ત 3 વર્ષ છે.

ટેક્સ સેવિંગ ફિક્સ્ડ ડિપોઝિટ

રોકાણ બેંકો સાથેની ફિક્સ્ડ ડિપોઝિટમાં નાણાં વ્યક્તિઓ અને HUF ને કરનો દાવો કરવાની મંજૂરી આપે છેકપાત રૂ. સુધી 1,50,000 નાણાકીય વર્ષમાં. આ થાપણોનો લોક-ઇન સમયગાળો 5 વર્ષનો હોય છે. જો કે, તમે સમય પહેલા આ થાપણ ઉપાડી શકતા નથી. પરંતુ તમે તમારી એફડી સામે સ્પર્ધાત્મક દરે લોન મેળવી શકો છો. આ થાપણો પર મેળવેલ વ્યાજ, જો કે, વ્યક્તિના કરપાત્ર સીમાંત દર (ટેક્સ બ્રેકેટ મુજબ) છે.

ટેક્સ સેવર એફડીની હાઇલાઇટ્સ

ચાલો મુખ્ય હાઇલાઇટ્સ જોઈએકર બચાવનાર FD -

માત્ર વ્યક્તિઓ અને સભ્યોહિંદુ અવિભાજિત કુટુંબ (HUF) માં રોકાણ કરી શકે છેકર બચત એફડી યોજના
ટેક્સ સેવર એફડીની ન્યૂનતમ રોકાણ રકમ અલગ-અલગ હોય છેબેંક બેંક માટે
ટેક્સ સેવિંગ એફડીનો લોક-ઇન સમયગાળો પાંચ વર્ષનો છે
તમે રૂ. સુધીની કર કપાત મેળવી શકો છો. 1,50,000
સમય પહેલા ઉપાડની કોઈ જોગવાઈ નથી
તમે આ ટેક્સ સેવર એફડી સામે લોન માટે અરજી કરી શકતા નથી
આ ટેક્સ સેવર એફડીમાં રોકાણ કોઈપણ ખાનગી અથવા જાહેર ક્ષેત્રની બેંકમાં કરી શકાય છે (સહકારી અને ગ્રામીણ બેંકો સિવાય)
માં કરવામાં આવેલ રોકાણડાકઘર પાંચ વર્ષથી વધુ સમયગાળા માટે સમયની થાપણ પણ કર બચત એફડી તરીકે લાયક છે
તમે પોસ્ટ ઓફિસ એફડીને એક પોસ્ટ ઓફિસથી બીજી પોસ્ટ ઓફિસમાં ટ્રાન્સફર કરી શકો છો
આ પ્રકારની FDમાંથી મળતું વ્યાજ કરપાત્ર છે અને તે સ્ત્રોતમાંથી કાપવામાં આવશે
ટેક્સ સેવિંગ ડિપોઝિટ એકાઉન્ટ વ્યક્તિગત અને સંયુક્ત રીતે ખોલી શકાય છે.
સંયુક્ત ખાતાના કિસ્સામાં, સંયુક્ત ખાતાના પ્રથમ ધારકને કર લાભ મળશે

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ELSS વિ FD - સરખામણી

વિવિધ પરિમાણો પર ELSS અને ટેક્સ સેવિંગ FD વચ્ચેના તફાવતોની અહીં ઝડપી ઝાંખી છે:

પરિમાણ	FD	ELSS
કાર્યકાળ	5 વર્ષ લોક-ઇન	3 વર્ષ લોક-ઇન
પરત કરે છે	7.00 - 8.00 % (વાર્ષિક સંયોજન)	કોઈ ખાતરીપૂર્વકનું ડિવિડન્ડ/રીટર્ન નહીંબજાર સામાન્ય રીતે વાર્ષિક 16 - 17% ની આસપાસ જોડાયેલ છે
મિનિ. રોકાણ	રૂ. 1000	રૂ. 500
મહત્તમ રોકાણ	કોઈ ઉચ્ચ મર્યાદા નથી	કોઈ ઉચ્ચ મર્યાદા નથી
80c હેઠળ કપાત માટે પાત્ર રકમ	રૂ. 1.5 લાખ	રૂ. 1.5 લાખ
વ્યાજ/વળતર માટે કરવેરા	વ્યાજ કરપાત્ર	રૂ. સુધીનો ફાયદો. 1 લાખ કરમુક્ત છે. રૂ.થી વધુના નફા પર 10% ટેક્સ લાગુ થાય છે. 1 લાખ
સલામતી/રેટિંગ્સ	સલામત	બીટ જોખમી
પ્રવાહિતા	તમે 5 વર્ષ પહેલા ટેક્સ સેવિંગ FD ઉપાડી શકતા નથી	તમે 3 વર્ષ પછી ELSSમાંથી બહાર નીકળી શકો છો અથવા પાછી ખેંચી શકો છો.
ઓનલાઈન વિકલ્પ	બધી બેંકો ઓનલાઈન ઓફર કરતી નથીસુવિધા FD ખોલવા માટે	કોઈ એક ELSS ઓનલાઈન શરૂ કરી શકે છે - એકસાથે અથવાSIP

ટોચના ELSS મ્યુચ્યુઅલ ફંડ્સ નાણાકીય વર્ષ 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹50.729 ↑ 0.10	₹4,402	-1.9	22.8	-1.8	24.4	24.6	47.7
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	9.7	15.1	16.9	20.8	10
JM Tax Gain Fund Growth	₹48.3313 ↑ 0.13	₹207	2.7	15.3	-6.6	19.5	22.5	29
Franklin India Taxshield Growth	₹1,449.26 ↓ -4.05	₹6,706	-1	12.1	-3.8	18.2	22.6	22.4
BNP Paribas Long Term Equity Fund (ELSS) Growth	₹94.0367 ↓ -0.10	₹911	0.5	15.2	-1.2	17.3	18	23.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	JM Tax Gain Fund	Franklin India Taxshield	BNP Paribas Long Term Equity Fund (ELSS)
Point 1	Upper mid AUM (₹4,402 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹207 Cr).	Highest AUM (₹6,706 Cr).	Lower mid AUM (₹911 Cr).
Point 2	Established history (10+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (19+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	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.
Point 5	5Y return: 24.60% (top quartile).	5Y return: 9.97% (bottom quartile).	5Y return: 22.46% (lower mid).	5Y return: 22.59% (upper mid).	5Y return: 18.05% (bottom quartile).
Point 6	3Y return: 24.36% (top quartile).	3Y return: 20.84% (upper mid).	3Y return: 19.52% (lower mid).	3Y return: 18.16% (bottom quartile).	3Y return: 17.35% (bottom quartile).
Point 7	1Y return: -1.80% (lower mid).	1Y return: 16.92% (top quartile).	1Y return: -6.58% (bottom quartile).	1Y return: -3.84% (bottom quartile).	1Y return: -1.20% (upper mid).
Point 8	Alpha: 11.36 (top quartile).	Alpha: 1.78 (lower mid).	Alpha: -3.85 (bottom quartile).	Alpha: 0.15 (bottom quartile).	Alpha: 2.76 (upper mid).
Point 9	Sharpe: 0.04 (upper mid).	Sharpe: 1.21 (top quartile).	Sharpe: -0.70 (bottom quartile).	Sharpe: -0.42 (bottom quartile).	Sharpe: -0.25 (lower mid).
Point 10	Information ratio: 0.92 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: 0.62 (lower mid).	Information ratio: 1.22 (top quartile).	Information ratio: 0.26 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹4,402 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.60% (top quartile).
3Y return: 24.36% (top quartile).
1Y return: -1.80% (lower mid).
Alpha: 11.36 (top quartile).
Sharpe: 0.04 (upper mid).
Information ratio: 0.92 (upper mid).

IDBI Equity Advantage Fund

Bottom quartile AUM (₹485 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (upper mid).
1Y return: 16.92% (top quartile).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (top quartile).
Information ratio: -1.13 (bottom quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹207 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.46% (lower mid).
3Y return: 19.52% (lower mid).
1Y return: -6.58% (bottom quartile).
Alpha: -3.85 (bottom quartile).
Sharpe: -0.70 (bottom quartile).
Information ratio: 0.62 (lower mid).

Franklin India Taxshield

Highest AUM (₹6,706 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.59% (upper mid).
3Y return: 18.16% (bottom quartile).
1Y return: -3.84% (bottom quartile).
Alpha: 0.15 (bottom quartile).
Sharpe: -0.42 (bottom quartile).
Information ratio: 1.22 (top quartile).

BNP Paribas Long Term Equity Fund (ELSS)

Lower mid AUM (₹911 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.05% (bottom quartile).
3Y return: 17.35% (bottom quartile).
1Y return: -1.20% (upper mid).
Alpha: 2.76 (upper mid).
Sharpe: -0.25 (lower mid).
Information ratio: 0.26 (bottom quartile).

*નીચે 100 - 15000 કરોડની વચ્ચે AUM ધરાવતા અને 3 વર્ષથી ઉપરના ફંડની ઉંમર ધરાવતા ફંડોની યાદી છે. 3 વર્ષની કામગીરીના આધારે.

1. 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 (₹4,402 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.60% (top quartile).
3Y return: 24.36% (top quartile).
1Y return: -1.80% (lower mid).
Alpha: 11.36 (top quartile).
Sharpe: 0.04 (upper mid).
Information ratio: 0.92 (upper mid).

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 (02 Sep 25)	₹50.729 ↑ 0.10 (0.19 %)
Net Assets (Cr)	₹4,402 on 31 Jul 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	0.04
Information Ratio	0.92
Alpha Ratio	11.36
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,372
31 Aug 22	₹16,008
31 Aug 23	₹19,372
31 Aug 24	₹31,421
31 Aug 25	₹29,948

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 2 Sep 25

Duration	Returns
1 Month	-1.3%
3 Month	-1.9%
6 Month	22.8%
1 Year	-1.8%
3 Year	24.4%
5 Year	24.6%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Ajay Khandelwal	11 Dec 23	1.73 Yr.
Rakesh Shetty	22 Nov 22	2.78 Yr.
Atul Mehra	1 Oct 24	0.92 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	31.5%
Financial Services	22.55%
Consumer Cyclical	17.85%
Technology	11.38%
Basic Materials	5.89%
Real Estate	4.55%
Health Care	3.01%
Communication Services	1.57%

Asset Allocation

Asset Class	Value
Cash	1.68%
Equity	98.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	6%	₹276 Cr	8,970,581
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	5%	₹200 Cr	1,231,856 ↑ 176,651
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹191 Cr	240,350
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	4%	₹191 Cr	248,438
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Jun 23 \| KAYNES	4%	₹179 Cr	289,593 ↓ -8,158
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Dec 23 \| BDL	4%	₹171 Cr	1,056,315
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	4%	₹155 Cr	430,073 ↑ 12,083
Suzlon Energy Ltd (Industrials) Equity, Since 31 Jan 24 \| SUZLON	3%	₹152 Cr	24,702,337
Bharat Electronics Ltd (Industrials) Equity, Since 30 Apr 24 \| BEL	3%	₹147 Cr	3,832,775 ↓ -117,225
Piramal Enterprises Ltd (Financial Services) Equity, Since 31 Jul 24 \| 500302	3%	₹146 Cr	1,168,384

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 (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (upper mid).
1Y return: 16.92% (top quartile).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (top quartile).
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
31 Aug 20	₹10,000
31 Aug 21	₹14,807
31 Aug 22	₹15,699

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 2 Sep 25

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. 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 (₹207 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.46% (lower mid).
3Y return: 19.52% (lower mid).
1Y return: -6.58% (bottom quartile).
Alpha: -3.85 (bottom quartile).
Sharpe: -0.70 (bottom quartile).
Information ratio: 0.62 (lower mid).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (02 Sep 25)	₹48.3313 ↑ 0.13 (0.27 %)
Net Assets (Cr)	₹207 on 31 Jul 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.7
Information Ratio	0.62
Alpha Ratio	-3.85
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,997
31 Aug 22	₹16,497
31 Aug 23	₹19,708
31 Aug 24	₹30,143
31 Aug 25	₹27,753

JM Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 2 Sep 25

Duration	Returns
1 Month	2.7%
3 Month	2.7%
6 Month	15.3%
1 Year	-6.6%
3 Year	19.5%
5 Year	22.5%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-0.6%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	0.92 Yr.
Asit Bhandarkar	31 Dec 21	3.67 Yr.
Ruchi Fozdar	4 Oct 24	0.91 Yr.
Deepak Gupta	11 Apr 25	0.39 Yr.

Data below for JM Tax Gain Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	27.77%
Consumer Cyclical	13.43%
Technology	13.34%
Industrials	13.14%
Basic Materials	12.93%
Health Care	7.59%
Energy	3.59%
Communication Services	2.84%
Consumer Defensive	2.18%
Real Estate	1.1%
Utility	0.95%

Asset Allocation

Asset Class	Value
Cash	1.1%
Equity	98.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	5%	₹11 Cr	28,947
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	5%	₹10 Cr	49,131
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	4%	₹8 Cr	56,000 ↓ -14,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	4%	₹7 Cr	53,400
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹6 Cr	55,500
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	77,750 ↓ -23,250
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	30,700
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	3%	₹6 Cr	28,195
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹5 Cr	41,601 ↓ -1,999
Infosys Ltd (Technology) Equity, Since 31 Aug 18 \| INFY	2%	₹5 Cr	32,965

4. 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

Highest AUM (₹6,706 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.59% (upper mid).
3Y return: 18.16% (bottom quartile).
1Y return: -3.84% (bottom quartile).
Alpha: 0.15 (bottom quartile).
Sharpe: -0.42 (bottom quartile).
Information ratio: 1.22 (top quartile).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (02 Sep 25)	₹1,449.26 ↓ -4.05 (-0.28 %)
Net Assets (Cr)	₹6,706 on 31 Jul 25
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.43
Information Ratio	1.22
Alpha Ratio	0.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,868
31 Aug 22	₹17,069
31 Aug 23	₹19,970
31 Aug 24	₹29,191
31 Aug 25	₹27,899

Franklin India Taxshield SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 2 Sep 25

Duration	Returns
1 Month	-0.5%
3 Month	-1%
6 Month	12.1%
1 Year	-3.8%
3 Year	18.2%
5 Year	22.6%
10 Year
15 Year
Since launch	20.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	4%

Fund Manager information for Franklin India Taxshield

Name	Since	Tenure
R. Janakiraman	2 May 16	9.34 Yr.
Rajasa Kakulavarapu	1 Dec 23	1.75 Yr.

Data below for Franklin India Taxshield as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	30.67%
Consumer Cyclical	11.95%
Industrials	11.91%
Technology	8.54%
Health Care	6.9%
Basic Materials	5.56%
Consumer Defensive	5.13%
Utility	4.96%
Communication Services	4.88%
Energy	3.05%
Real Estate	1.83%

Asset Allocation

Asset Class	Value
Cash	4.61%
Equity	95.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	10%	₹674 Cr	4,546,914
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	10%	₹658 Cr	3,260,417
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹321 Cr	883,853
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	4%	₹291 Cr	1,517,753
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	4%	₹290 Cr	1,922,741
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	4%	₹241 Cr	2,252,948
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| 543320	3%	₹231 Cr	7,500,000
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 21 \| HCLTECH	3%	₹215 Cr	1,462,587
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹205 Cr	1,472,922
Grasim Industries Ltd (Basic Materials) Equity, Since 30 Jun 11 \| GRASIM	3%	₹188 Cr	685,013

5. BNP Paribas Long Term Equity Fund (ELSS)

The investment objective of the Scheme is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent fromtime to time. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for BNP Paribas Long Term Equity Fund (ELSS)

Lower mid AUM (₹911 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.05% (bottom quartile).
3Y return: 17.35% (bottom quartile).
1Y return: -1.20% (upper mid).
Alpha: 2.76 (upper mid).
Sharpe: -0.25 (lower mid).
Information ratio: 0.26 (bottom quartile).

Below is the key information for BNP Paribas Long Term Equity Fund (ELSS)

BNP Paribas Long Term Equity Fund (ELSS) Growth
Launch Date	5 Jan 06
NAV (02 Sep 25)	₹94.0367 ↓ -0.10 (-0.10 %)
Net Assets (Cr)	₹911 on 31 Jul 25
Category	Equity - ELSS
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.21
Sharpe Ratio	-0.26
Information Ratio	0.26
Alpha Ratio	2.76
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹14,455
31 Aug 22	₹14,440
31 Aug 23	₹16,207
31 Aug 24	₹23,529
31 Aug 25	₹22,976

BNP Paribas Long Term Equity Fund (ELSS) 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 BNP Paribas Long Term Equity 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 2 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	0.5%
6 Month	15.2%
1 Year	-1.2%
3 Year	17.3%
5 Year	18%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.6%
2023	31.3%
2022	-2.1%
2021	23.6%
2020	17.8%
2019	14.3%
2018	-9.3%
2017	42.3%
2016	-6.6%
2015	7.7%

Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)

Name	Since	Tenure
Sanjay Chawla	14 Mar 22	3.47 Yr.
Pratish Krishnan	14 Mar 22	3.47 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	30.28%
Consumer Cyclical	13.48%
Industrials	11.51%
Technology	9.46%
Health Care	8.36%
Basic Materials	7.13%
Consumer Defensive	5.78%
Energy	3.9%
Utility	3.19%
Communication Services	3.05%

Asset Allocation

Asset Class	Value
Cash	3.86%
Equity	96.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	7%	₹66 Cr	328,160
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	7%	₹61 Cr	411,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	4%	₹36 Cr	255,800 ↓ -28,400
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 19 \| BHARTIARTL	3%	₹28 Cr	144,966 ↓ -7,600
Infosys Ltd (Technology) Equity, Since 29 Feb 24 \| INFY	3%	₹26 Cr	173,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 23 \| 543320	3%	₹24 Cr	790,813
Hitachi Energy India Ltd Ordinary Shares (Industrials) Equity, Since 31 Aug 23 \| POWERINDIA	2%	₹22 Cr	10,866 ↓ -1,200
Sagility India Ltd (Healthcare) Equity, Since 30 Nov 24 \| SAGILITY	2%	₹21 Cr	4,551,400
PB Fintech Ltd (Financial Services) Equity, Since 29 Feb 24 \| 543390	2%	₹21 Cr	113,300
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 31 Jan 25 \| RADICO	2%	₹20 Cr	73,000

શું તમારે ELSS અથવા ટેક્સ સેવિંગ FD માં રોકાણ કરવું જોઈએ?

નવા રોકાણ સાહસોમાં પ્રવેશતા પહેલા, લોકો ઘણી બધી બાબતોને ધ્યાનમાં લે છે. ઉંમર, રોકાણની ક્ષિતિજ અનેજોખમની ભૂખ કેટલાક મહત્વપૂર્ણ પરિબળો છે. જે લોકો સંપત્તિ વૃદ્ધિ અને કર લાભોના બેવડા લાભો ઇચ્છે છે તેઓ ELSS પસંદ કરે છે. દાખલા તરીકે, લાંબા રોકાણની ક્ષિતિજ અને ઉચ્ચ જોખમની ભૂખ ધરાવતા નવા રોકાણકારો ELSSને યોગ્ય વિકલ્પ માને છે. નજીકના લોકોનિવૃત્તિ ટેક્સ સેવિંગ એફડીમાં રોકાણ કરી શકે છે કારણ કે તેમાં ઓછા જોખમો હોય છે અને લાંબા ગાળામાં (ઓછામાં ઓછા 5 વર્ષ કે તેથી વધુ) વળતરની ખાતરી આપે છે.

ELSS ઓનલાઈન કેવી રીતે રોકાણ કરવું?

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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.