ELSS ઇક્વિટી લિંક્ડ સેવિંગ્સ સ્કીમ તરીકે પણ ઓળખાતા ફંડ્સ એ ઇક્વિટી-ડાઇવર્સિફાઇડ ટેક્સ સેવિંગ મ્યુચ્યુઅલ ફંડ છે જે મોટાભાગે તેની અસ્કયામતોમાં રોકાણ કરે છે.ઇક્વિટી અથવા શેર બજારો જેવા ઇક્વિટી-લિંક્ડ સાધનો. આ ELSSમ્યુચ્યુઅલ ફંડ ઓફરબજાર-લિંક્ડ વળતર, જે અસ્થિર છે અને બજારની સ્થિતિ પર આધારિત છે. જો કે,નાણાકીય સલાહકારો સૂચવે છેરોકાણ ELSS ફંડ્સમાં લાંબા ગાળા માટે, કારણ કે આ ELSS મ્યુચ્યુઅલ ફંડ્સ જ્યારે લાંબા ગાળા માટે રોકાણ કરવામાં આવે ત્યારે શ્રેષ્ઠ વળતર આપે છે. તાજેતરના અહેવાલોમાં, એવું જોવામાં આવ્યું હતું કે 3 વર્ષ માટે રોકાણ કરવામાં આવે ત્યારે ELSS ફંડે લગભગ 20%-30% વળતર જનરેટ કર્યું હતું, જે અન્ય મ્યુચ્યુઅલ ફંડ્સ દ્વારા જનરેટ કરાયેલા વળતર કરતાં ઘણું વધારે છે.
ELSS અને અન્ય કર બચતની સરખામણી કાર્યકાળ, વળતર, માટે પાત્રતા જેવા પરિમાણો પર આધારિત છેકપાત હેઠળ80c, વગેરે
ચાલો એક નજર કરીએ:
પરિમાણ | પીપીએફ | એનએસસી | FD | ELSS |
---|---|---|---|---|
કાર્યકાળ | 15 વર્ષ | 6 વર્ષ | 5 વર્ષ | 3 વર્ષ |
પરત કરે છે | 7.60 % (વાર્ષિક સંયોજન) | 7.60 % (વાર્ષિક સંયોજન) | 7.00 - 8.00 % (વાર્ષિક સંયોજન) | કોઈ ખાતરીપૂર્વકનું ડિવિડન્ડ / વળતર નહીં કારણ કે તે બજાર સાથે જોડાયેલું છે |
મિનિ. રોકાણ | રૂ. 500 | રૂ. 100 | રૂ. 1000 | રૂ. 500 |
મહત્તમ રોકાણ | રૂ. 1.5 લાખ | કોઈ ઉચ્ચ મર્યાદા નથી | કોઈ ઉચ્ચ મર્યાદા નથી | કોઈ ઉચ્ચ મર્યાદા નથી |
80c હેઠળ કપાત માટે પાત્ર રકમ | રૂ. 1.5 લાખ | રૂ. 1.5 લાખ | રૂ. 1.5 લાખ | રૂ. 1.5 લાખ |
વ્યાજ/વળતર માટે કરવેરા | કરમુક્ત | વ્યાજ કરપાત્ર | વ્યાજ કરપાત્ર | 1 લાખ સુધીના લાભો કરમુક્ત છે. 1 લાખ રૂપિયાથી વધુના નફા પર 10% ટેક્સ લાગુ થાય છે |
સલામતી/રેટિંગ્સ | સલામત | સલામત | સલામત | જોખમ |
વચ્ચે નેટ એસેટ્સ/AUM ધરાવતા ફંડની સૂચિ નીચે છે100 - 200 કરોડ
.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04 ₹485 9.7 15.1 16.9 20.8 10 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 1.2 15.4 35.5 20.6 17.4 JM Tax Gain Fund Growth ₹48.5877
↓ -0.06 ₹207 3.3 14.7 -5.9 19.7 22.9 29 BNP Paribas Long Term Equity Fund (ELSS) Growth ₹94.5999
↓ -0.03 ₹911 1 14.7 -0.5 17.6 18.5 23.6 Baroda Pioneer ELSS 96 Growth ₹68.6676
↑ 0.33 ₹210 -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 28 Jul 23 Research Highlights & Commentary of 5 Funds showcased
Commentary IDBI Equity Advantage Fund HDFC Long Term Advantage Fund JM Tax Gain Fund BNP Paribas Long Term Equity Fund (ELSS) Baroda Pioneer ELSS 96 Point 1 Lower mid AUM (₹485 Cr). Highest AUM (₹1,318 Cr). Bottom quartile AUM (₹207 Cr). Upper mid AUM (₹911 Cr). Bottom quartile AUM (₹210 Cr). Point 2 Established history (11+ yrs). Oldest track record among peers (24 yrs). Established history (17+ yrs). Established history (19+ yrs). Established history (10+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Not Rated. 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: 9.97% (bottom quartile). 5Y return: 17.39% (lower mid). 5Y return: 22.86% (top quartile). 5Y return: 18.53% (upper mid). 5Y return: 11.62% (bottom quartile). Point 6 3Y return: 20.84% (top quartile). 3Y return: 20.64% (upper mid). 3Y return: 19.73% (lower mid). 3Y return: 17.58% (bottom quartile). 3Y return: 16.70% (bottom quartile). Point 7 1Y return: 16.92% (lower mid). 1Y return: 35.51% (top quartile). 1Y return: -5.87% (bottom quartile). 1Y return: -0.50% (bottom quartile). 1Y return: 17.56% (upper mid). Point 8 Alpha: 1.78 (lower mid). Alpha: 1.75 (bottom quartile). Alpha: -3.85 (bottom quartile). Alpha: 2.76 (upper mid). Alpha: 5.69 (top quartile). Point 9 Sharpe: 1.21 (lower mid). Sharpe: 2.27 (upper mid). Sharpe: -0.70 (bottom quartile). Sharpe: -0.25 (bottom quartile). Sharpe: 2.51 (top quartile). Point 10 Information ratio: -1.13 (bottom quartile). Information ratio: -0.15 (bottom quartile). Information ratio: 0.62 (top quartile). Information ratio: 0.26 (upper mid). Information ratio: -0.09 (lower mid). IDBI Equity Advantage Fund
HDFC Long Term Advantage Fund
JM Tax Gain Fund
BNP Paribas Long Term Equity Fund (ELSS)
Baroda Pioneer ELSS 96
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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. Below is the key information for IDBI Equity Advantage Fund Returns up to 1 year are on 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 Below is the key information for HDFC Long Term Advantage Fund Returns up to 1 year are on 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 Below is the key information for JM Tax Gain Fund Returns up to 1 year are on 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) Below is the key information for BNP Paribas Long Term Equity Fund (ELSS) Returns up to 1 year are on 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 Below is the key information for Baroda Pioneer ELSS 96 Returns up to 1 year are on 1. 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 Returns for IDBI Equity Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 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 2. 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 Aug 20 ₹10,000 31 Aug 21 ₹15,833
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 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 3. JM Tax Gain Fund
JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (04 Sep 25) ₹48.5877 ↓ -0.06 (-0.13 %) 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 Returns for JM Tax Gain Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 Duration Returns 1 Month 2.3% 3 Month 3.3% 6 Month 14.7% 1 Year -5.9% 3 Year 19.7% 5 Year 22.9% 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 | LT5% ₹11 Cr 28,947 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK5% ₹10 Cr 49,131 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK4% ₹8 Cr 56,000
↓ -14,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 25 | RELIANCE4% ₹7 Cr 53,400 One97 Communications Ltd (Technology)
Equity, Since 31 May 25 | 5433963% ₹6 Cr 55,500 Syrma SGS Technology Ltd (Technology)
Equity, Since 31 May 25 | SYRMA3% ₹6 Cr 77,750
↓ -23,250 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL3% ₹6 Cr 30,700 OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE3% ₹6 Cr 28,195 CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC3% ₹5 Cr 41,601
↓ -1,999 Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY2% ₹5 Cr 32,965 4. BNP Paribas Long Term Equity Fund (ELSS)
BNP Paribas Long Term Equity Fund (ELSS)
Growth Launch Date 5 Jan 06 NAV (04 Sep 25) ₹94.5999 ↓ -0.03 (-0.03 %) 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 Returns for BNP Paribas Long Term Equity Fund (ELSS)
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1% 6 Month 14.7% 1 Year -0.5% 3 Year 17.6% 5 Year 18.5% 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 | HDFCBANK7% ₹66 Cr 328,160 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK7% ₹61 Cr 411,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE4% ₹36 Cr 255,800
↓ -28,400 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL3% ₹28 Cr 144,966
↓ -7,600 Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY3% ₹26 Cr 173,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 23 | 5433203% ₹24 Cr 790,813 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA2% ₹22 Cr 10,866
↓ -1,200 Sagility India Ltd (Healthcare)
Equity, Since 30 Nov 24 | SAGILITY2% ₹21 Cr 4,551,400 PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 5433902% ₹21 Cr 113,300 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 Jan 25 | RADICO2% ₹20 Cr 73,000 5. 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 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 Aug 20 ₹10,000 31 Aug 21 ₹15,974 Returns for Baroda Pioneer ELSS 96
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 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
ત્યાં વિવિધ છેકર બચત રોકાણ ભારતમાં વિકલ્પો કે જેમાં ELSS શ્રેષ્ઠ વિકલ્પોમાંથી એક છે. કેવી રીતે? અહીં કેટલાક કારણોનો ઉલ્લેખ કર્યો છે.
ELSS ફંડ્સ શેરબજારમાં અન્ય કર બચત રોકાણોમાં સૌથી વધુ અસ્કયામતોની ફાળવણી કરે છે. તેથી, આ ભંડોળ શ્રેષ્ઠ કમાણી કરે છેફુગાવો-બધાની વચ્ચે મારપીટ પરત આવે છે. જો લાંબા ગાળા માટે રોકાણ કરવામાં આવે તો, ELSS ના વળતરનો દર અન્ય પરંપરાગત દેવું-લક્ષી રોકાણોના વળતરને સરળતાથી હરાવી શકે છે. તેથી, ELSS મ્યુચ્યુઅલ ફંડ્સ રોકાણકારોને બંને વિશ્વમાં શ્રેષ્ઠ - ઉચ્ચ વળતર અને કર લાભો પ્રદાન કરે છે.
પરંપરાગત કર બચત રોકાણ વિકલ્પોની તુલનામાં ELSS મ્યુચ્યુઅલ ફંડ્સમાં ટૂંકા લોક-ઇન સમયગાળો હોય છે. ELSS ફંડનો લોક-ઇન સમયગાળો 3 વર્ષનો છે જ્યારે PPFનો સમયગાળો 15 વર્ષ છે અનેએનપીએસ સુધી છેનિવૃત્તિ. તેથી, ELSS માં રોકાણ કરવાથી તમારા પૈસા લાંબા સમય સુધી લૉક થતા નથી અને તમે લૉક-ઇન સમાપ્ત થયા પછી તરત જ રોકાણ કરવાનું બંધ કરી શકો છો.
ELSS મ્યુચ્યુઅલ ફંડ્સની લવચીકતા અન્ય તમામ કર બચત રોકાણો કરતાં ઘણી વધારે છે. પરંપરાગત રોકાણોથી વિપરીત, માત્ર એક પ્રકારના વિકલ્પમાં રોકાણ કરવાની જરૂર નથી. ELSS ફંડ્સ તમને તમારા પોર્ટફોલિયોમાં વિવિધ પ્રકારના રોકાણો સાથે વૈવિધ્યીકરણ કરવામાં સક્ષમ બનાવે છે. ઉપરાંત, રોકાણકારો લોક-ઇન અવધિ પૂર્ણ થયા પછી પણ આ ભંડોળમાં રોકાણ કરી શકે છે. તેથી, એકવાર લૉક-ઇન સમાપ્ત થઈ જાય, પછી તમે સરળતાથી રોકાણ કરવાનું અથવા તમારી અનુકૂળતા મુજબ રિડીમ કરવાનું પસંદ કરી શકો છો.
નિષ્કર્ષમાં, ELSS ફંડ્સમાં રોકાણ કરનારા રોકાણકારો માટે અહીં કેટલીક ટીપ્સ આપી છે.
Research Highlights for IDBI Equity Advantage Fund