2022 में एसआईपी निवेश के लिए सर्वश्रेष्ठ ईएलएसएस म्यूचुअल फंड

Updated on June 8, 2026 , 5916 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

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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 (₹4,519 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.18% (lower mid).
3Y return: 13.29% (lower mid).
1Y return: -1.02% (upper mid).
Alpha: 3.49 (top quartile).
Sharpe: 0.18 (upper mid).
Information ratio: 0.09 (upper 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 (10 Jun 26)	₹44.0316 ↓ -0.29 (-0.65 %)
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 10 Jun 26

Duration	Returns
1 Month	-3.6%
3 Month	0.3%
6 Month	-3%
1 Year	-1%
3 Year	13.3%
5 Year	12.2%
10 Year
15 Year
Since launch	13.6%

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	4.46 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

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 (₹6,835 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.65% (bottom quartile).
3Y return: 10.92% (bottom quartile).
1Y return: -2.96% (bottom quartile).
Alpha: -0.80 (bottom quartile).
Sharpe: -0.07 (bottom quartile).
Information ratio: -0.34 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.1%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (10 Jun 26)	₹147.676 ↓ -0.54 (-0.36 %)
Net Assets (Cr)	₹6,835 on 30 Apr 26
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.07
Information Ratio	-0.34
Alpha Ratio	-0.8
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	₹11,100
31 May 23	₹12,823
31 May 24	₹16,847
31 May 25	₹17,909
31 May 26	₹17,906

Bandhan Tax Advantage (ELSS) 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 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 10 Jun 26

Duration	Returns
1 Month	-3.5%
3 Month	-1.3%
6 Month	-5.6%
1 Year	-3%
3 Year	10.9%
5 Year	11.7%
10 Year
15 Year
Since launch	16.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	13.1%
2022	28.3%
2021	4.2%
2020	49.2%
2019	18.7%
2018	1.9%
2017	-9.4%
2016	53.4%
2015	0.4%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.62 Yr.
Ritika Behera	7 Oct 23	2.65 Yr.
Gaurav Satra	10 Jun 24	1.97 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	33.07%
Consumer Cyclical	10%
Consumer Defensive	9.68%
Technology	9.55%
Energy	8.44%
Basic Materials	6.54%
Health Care	6.51%
Industrials	4.3%
Utility	2.77%
Communication Services	2.38%
Real Estate	1.96%

Asset Allocation

Asset Class	Value
Cash	3.81%
Equity	96.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	7%	₹486 Cr	6,300,000 ↑ 200,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹472 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹341 Cr	2,700,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	5%	₹326 Cr	8,500,000 ↑ 600,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹272 Cr	1,100,000 ↑ 250,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹231 Cr	1,825,000 ↑ 325,000
Sterlite Technologies Ltd (Technology) Equity, Since 30 Apr 24 \| STLTECH	3%	₹192 Cr	6,500,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹189 Cr	1,600,000 ↑ 500,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| MARUTI	2%	₹166 Cr	125,000 ↑ 25,000
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 18 \| 532286	2%	₹165 Cr	1,350,000

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 (₹14,378 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.97% (bottom quartile).
3Y return: 12.56% (bottom quartile).
1Y return: -2.17% (lower mid).
Alpha: 1.88 (upper mid).
Sharpe: 0.10 (lower mid).
Information ratio: -0.21 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~6.8%).

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 (10 Jun 26)	₹59.05 ↓ -0.22 (-0.37 %)
Net Assets (Cr)	₹14,378 on 30 Apr 26
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	0.1
Information Ratio	-0.21
Alpha Ratio	1.88
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	₹9,719
31 May 23	₹10,372
31 May 24	₹13,670
31 May 25	₹14,941
31 May 26	₹15,108

Aditya Birla Sun Life Tax Relief '96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 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 10 Jun 26

Duration	Returns
1 Month	-3.1%
3 Month	0.8%
6 Month	-4.7%
1 Year	-2.2%
3 Year	12.6%
5 Year	8%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.3%
2023	16.4%
2022	18.9%
2021	-1.4%
2020	12.7%
2019	15.2%
2018	4.3%
2017	-4.5%
2016	43.2%
2015	3.4%

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

Name	Since	Tenure
Dhaval Shah	31 Oct 24	1.58 Yr.

Data below for Aditya Birla Sun Life Tax Relief '96 as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	32.17%
Consumer Cyclical	12.58%
Technology	10.52%
Health Care	9.25%
Consumer Defensive	8.29%
Industrials	8.12%
Basic Materials	5.19%
Energy	4.24%
Utility	3.2%
Communication Services	2.84%
Real Estate	1.6%

Asset Allocation

Asset Class	Value
Cash	2%
Equity	98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹979 Cr	7,747,842
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	6%	₹930 Cr	12,050,504
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	4%	₹610 Cr	4,260,426
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	4%	₹601 Cr	5,082,452
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	4%	₹588 Cr	5,501,415
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| 532215	4%	₹572 Cr	4,510,879 ↓ -200,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 30 Nov 24 \| ADANIPORTS	3%	₹413 Cr	2,494,440
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	3%	₹408 Cr	2,161,864
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| M&M	3%	₹367 Cr	1,184,660
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 08 \| LT	2%	₹358 Cr	891,782 ↓ -50,000

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 (₹16,337 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.80% (upper mid).
3Y return: 15.61% (upper mid).
1Y return: -4.92% (bottom quartile).
Alpha: -3.36 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.72 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding ICICI Bank Ltd (~8.6%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (10 Jun 26)	₹133.573 ↑ 0.02 (0.01 %)
Net Assets (Cr)	₹16,337 on 30 Apr 26
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	-0.19
Information Ratio	0.72
Alpha Ratio	-3.36
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	₹10,698
31 May 23	₹12,024
31 May 24	₹17,044
31 May 25	₹19,299
31 May 26	₹18,799

DSP Tax Saver 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 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 10 Jun 26

Duration	Returns
1 Month	-2.6%
3 Month	-1.9%
6 Month	-6.4%
1 Year	-4.9%
3 Year	15.6%
5 Year	12.8%
10 Year
15 Year
Since launch	14.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	23.9%
2022	30%
2021	4.5%
2020	35.1%
2019	15%
2018	14.8%
2017	-7.6%
2016	36.3%
2015	11.3%

Fund Manager information for DSP Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	10.88 Yr.

Data below for DSP Tax Saver Fund as on 30 Apr 26

Equity Sector Allocation

Sector	Value
Financial Services	41.35%
Consumer Cyclical	10.24%
Health Care	8.7%
Basic Materials	7.77%
Technology	6.16%
Communication Services	5.07%
Energy	4.21%
Consumer Defensive	4.05%
Industrials	3.37%
Utility	3.23%

Asset Allocation

Asset Class	Value
Cash	5.84%
Equity	94.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	9%	₹1,400 Cr	11,079,884 ↑ 299,430
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	8%	₹1,334 Cr	17,288,807 ↑ 1,006,449
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	7%	₹1,080 Cr	8,515,872 ↑ 299,834
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	5%	₹740 Cr	6,924,203
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹563 Cr	2,985,560
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹435 Cr	11,341,925
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	3%	₹421 Cr	3,563,404 ↓ -1,394,357
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	2%	₹398 Cr	1,284,132
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| MOTHERSON	2%	₹392 Cr	32,377,100 ↓ -293,983
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 25 \| TCS	2%	₹366 Cr	1,477,947

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 (25 yrs).
Rating: 3★ (bottom 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
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 10 Jun 26

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।