2022 में एसआईपी निवेश के लिए सर्वश्रेष्ठ ईएलएसएस म्यूचुअल फंड

Updated on August 19, 2025 , 5406 views

बेस्ट एल्स फंड्स या इक्विटी लिंक्ड सेविंग्स स्कीम इक्विटी डायवर्सिफाइड हैंम्यूचुअल फंड्स प्रदान करने के लिए मुख्य रूप से इक्विटी से जुड़े उपकरणों (जैसे शेयर और स्टॉक) में निवेश करते हैंमंडी-लिंक्ड रिटर्न। आमतौर पर, फंड कॉर्पस का 80% इक्विटी में और शेष डेट इंस्ट्रूमेंट्स में निवेश किया जाता है। श्रेष्ठईएलएसएस फंड को टैक्स सेविंग म्यूचुअल फंड के रूप में भी जाना जाता है क्योंकि वे कर लाभ प्रदान करते हैंधारा 80सी काआयकर कार्य। इसके अलावा, ईएलएसएस म्यूचुअल फंड ओपन-एंडेड हैं और निवेश के 2 तरीके प्रदान करते हैं

एकमुश्त निवेश
सिप (व्यवस्थितनिवेश योजना) निवेश

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शीर्ष 5 सर्वश्रेष्ठ प्रदर्शन करने वाले ईएलएसएस म्यूचुअल फंड एसआईपी वित्तीय वर्ष 22 - 23

1. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Research Highlights for Tata India Tax Savings Fund

Bottom quartile AUM (₹4,595 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.89% (lower mid).
3Y return: 15.39% (bottom quartile).
1Y return: -0.83% (bottom quartile).
Alpha: 0.24 (lower mid).
Sharpe: -0.42 (lower mid).
Information ratio: -0.22 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.3%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (21 Aug 25)	₹44.1682 ↑ 0.11 (0.25 %)
Net Assets (Cr)	₹4,595 on 31 Jul 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.42
Information Ratio	-0.22
Alpha Ratio	0.24
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹14,788
31 Jul 22	₹16,197
31 Jul 23	₹19,199
31 Jul 24	₹25,864
31 Jul 25	₹25,568

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 21 Aug 25

Duration	Returns
1 Month	-1.1%
3 Month	1.4%
6 Month	10.9%
1 Year	-0.8%
3 Year	15.4%
5 Year	19.9%
10 Year
15 Year
Since launch	14.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	24%
2022	5.9%
2021	30.4%
2020	11.9%
2019	13.6%
2018	-8.4%
2017	46%
2016	2.1%
2015	13.3%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Rahul Singh	1 Jul 25	0.08 Yr.
Sailesh Jain	16 Dec 21	3.63 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	34.15%
Consumer Cyclical	14.22%
Industrials	13.87%
Basic Materials	6.85%
Technology	6.75%
Energy	5.51%
Communication Services	4.32%
Health Care	3.23%
Real Estate	2.46%
Utility	2.45%
Consumer Defensive	1%

Asset Allocation

Asset Class	Value
Cash	5.19%
Equity	94.81%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹345 Cr	1,725,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| 532174	7%	₹307 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹203 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹189 Cr	940,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹186 Cr	1,160,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹178 Cr	2,175,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹156 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹129 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	2%	₹116 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	2%	₹105 Cr	6,800,000

2. Bandhan Tax Advantage (ELSS) Fund

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities. There can be no assurance that the investment objective of the scheme will be realised.

Research Highlights for Bandhan Tax Advantage (ELSS) Fund

Lower mid AUM (₹6,974 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.14% (top quartile).
3Y return: 15.66% (lower mid).
1Y return: -2.11% (bottom quartile).
Alpha: -3.48 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: -0.12 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~8.0%).

Below is the key information for Bandhan Tax Advantage (ELSS) Fund

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (21 Aug 25)	₹152.386 ↓ -0.02 (-0.01 %)
Net Assets (Cr)	₹6,974 on 31 Jul 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.74
Information Ratio	-0.12
Alpha Ratio	-3.48
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹17,656
31 Jul 22	₹18,991
31 Jul 23	₹23,480
31 Jul 24	₹31,323
31 Jul 25	₹30,039

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for Bandhan Tax Advantage (ELSS) Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 25

Duration	Returns
1 Month	-0.1%
3 Month	2.3%
6 Month	10.6%
1 Year	-2.1%
3 Year	15.7%
5 Year	23.1%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.1%
2023	28.3%
2022	4.2%
2021	49.2%
2020	18.7%
2019	1.9%
2018	-9.4%
2017	53.4%
2016	0.4%
2015	6.9%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	8.78 Yr.
Ritika Behera	7 Oct 23	1.82 Yr.
Gaurav Satra	10 Jun 24	1.14 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	32.41%
Consumer Cyclical	9.71%
Basic Materials	9.36%
Technology	8.87%
Consumer Defensive	8.17%
Energy	7.85%
Health Care	6.2%
Industrials	5.33%
Communication Services	2.81%
Real Estate	1.98%
Utility	1.87%

Asset Allocation

Asset Class	Value
Cash	5.18%
Equity	94.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹570 Cr	2,850,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹495 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| 532174	5%	₹390 Cr	2,700,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	4%	₹300 Cr	2,500,001 ↓ -399,999
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹294 Cr	850,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	3%	₹249 Cr	1,149,999 ↑ 149,999
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹216 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	3%	₹201 Cr	1,000,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹148 Cr	350,000
Jindal Steel & Power Ltd (Basic Materials) Equity, Since 31 Mar 18 \| 532286	2%	₹141 Cr	1,500,000

3. Aditya Birla Sun Life Tax Relief '96

An Open-ended equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities

Research Highlights for Aditya Birla Sun Life Tax Relief '96

Upper mid AUM (₹15,457 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.16% (bottom quartile).
3Y return: 14.12% (bottom quartile).
1Y return: 3.24% (upper mid).
Alpha: 1.19 (upper mid).
Sharpe: -0.36 (upper mid).
Information ratio: -0.94 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~8.3%).

Below is the key information for Aditya Birla Sun Life Tax Relief '96

Aditya Birla Sun Life Tax Relief '96 Growth
Launch Date	6 Mar 08
NAV (21 Aug 25)	₹61.54 ↑ 0.08 (0.13 %)
Net Assets (Cr)	₹15,457 on 31 Jul 25
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	-0.36
Information Ratio	-0.94
Alpha Ratio	1.19
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹13,519
31 Jul 22	₹13,332
31 Jul 23	₹14,822
31 Jul 24	₹20,110
31 Jul 25	₹20,113

Aditya Birla Sun Life Tax Relief '96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Aditya Birla Sun Life Tax Relief '96

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 25

Duration	Returns
1 Month	0.9%
3 Month	5.4%
6 Month	16%
1 Year	3.2%
3 Year	14.1%
5 Year	14.2%
10 Year
15 Year
Since launch	11%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.4%
2023	18.9%
2022	-1.4%
2021	12.7%
2020	15.2%
2019	4.3%
2018	-4.5%
2017	43.2%
2016	3.4%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Tax Relief '96

Name	Since	Tenure
Dhaval Shah	31 Oct 24	0.75 Yr.
Dhaval Joshi	21 Nov 22	2.69 Yr.

Data below for Aditya Birla Sun Life Tax Relief '96 as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	31.64%
Consumer Cyclical	14.73%
Health Care	10.89%
Technology	8.26%
Basic Materials	7.63%
Industrials	7.5%
Consumer Defensive	6.85%
Energy	6.23%
Communication Services	3.5%
Utility	1.2%
Real Estate	0.75%

Asset Allocation

Asset Class	Value
Cash	0.82%
Equity	99.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	8%	₹1,321 Cr	9,137,798
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,156 Cr	5,775,252
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	5%	₹761 Cr	4,749,292
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| 532215	4%	₹607 Cr	5,060,879
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jan 20 \| 532843	4%	₹607 Cr	7,634,241
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	4%	₹564 Cr	3,760,426
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	3%	₹555 Cr	2,761,864
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 08 \| LT	3%	₹404 Cr	1,101,782
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	2%	₹396 Cr	4,828,465
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| M&M	2%	₹377 Cr	1,184,660

4. DSP Tax Saver Fund

The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors to avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time.

Research Highlights for DSP Tax Saver Fund

Highest AUM (₹16,981 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.08% (upper mid).
3Y return: 19.25% (upper mid).
1Y return: 0.13% (lower mid).
Alpha: -0.09 (bottom quartile).
Sharpe: -0.45 (bottom quartile).
Information ratio: 0.88 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~6.9%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (21 Aug 25)	₹138.585 ↑ 0.04 (0.03 %)
Net Assets (Cr)	₹16,981 on 31 Jul 25
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	-0.45
Information Ratio	0.88
Alpha Ratio	-0.09
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹16,394
31 Jul 22	₹16,967
31 Jul 23	₹20,014
31 Jul 24	₹29,739
31 Jul 25	₹29,503

DSP Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for DSP 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 21 Aug 25

Duration	Returns
1 Month	-1.6%
3 Month	0.5%
6 Month	10.2%
1 Year	0.1%
3 Year	19.2%
5 Year	23.1%
10 Year
15 Year
Since launch	15.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.9%
2023	30%
2022	4.5%
2021	35.1%
2020	15%
2019	14.8%
2018	-7.6%
2017	36.3%
2016	11.3%
2015	4.4%

Fund Manager information for DSP Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	10.05 Yr.

Data below for DSP Tax Saver Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	36.47%
Consumer Cyclical	10.34%
Health Care	9.79%
Basic Materials	8.46%
Technology	7.78%
Industrials	5.36%
Communication Services	4.93%
Consumer Defensive	4.75%
Energy	4.21%
Utility	3.67%

Asset Allocation

Asset Class	Value
Cash	4.24%
Equity	95.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,206 Cr	6,025,183 ↓ -430,415
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| 532174	6%	₹1,058 Cr	7,317,696
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	6%	₹1,046 Cr	12,750,639 ↑ 1,472,805
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	5%	₹955 Cr	7,961,062 ↑ 1,599,904
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	4%	₹781 Cr	4,874,543 ↑ 1,739,101
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹529 Cr	2,634,816
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹446 Cr	2,062,430
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	2%	₹404 Cr	1,269,729
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 24 \| LT	2%	₹392 Cr	1,068,068
Cipla Ltd (Healthcare) Equity, Since 30 Apr 23 \| 500087	2%	₹379 Cr	2,514,972

5. 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

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (bottom quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (top quartile).
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
31 Jul 20	₹10,000
31 Jul 21	₹15,844

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 21 Aug 25

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

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।