धारा 80सी के तहत शीर्ष 7 सर्वश्रेष्ठ ईएलएसएस टैक्स सेविंग फंड

Updated on February 14, 2026 , 8991 views

ये वो वक्त है जब हर कोई खूंखार को बचाना चाहता हैआयकर. कई निवेशक अपना पैसा योजनाओं में निवेश करते हैं जैसेम्यूचुअल फंड्सआदि अपनी गाढ़ी कमाई को बचाने के लिए। टैक्स सीजन 2018 तेजी से आ रहा है, हम आपके लिए सबसे अच्छा लेकर आए हैंईएलएसएस अपनी बचत के लिए टैक्स सेविंग फंडआय कर। ईएलएसएस या इक्विटी लिंक्ड सेविंग स्कीम है aटैक्स सेविंग निवेश जिसके माध्यम से कोई INR 1,50 तक की कटौती प्राप्त कर सकता है,000 से उनकीकरदायी आय के अनुसारधारा 80सी आयकर अधिनियम के। इक्विटी और टैक्स सेविंग का मेल होने के कारण, ईएलएसएस स्कीम इक्विटी के लिए इष्टतम गेटवे है। आपके द्वारा निवेश किया गया पैसा स्टॉक के रूप में बढ़ता हैमंडी उगता है। तो, इक्विटी लिंक्ड सेविंग स्कीम में लाभ अधिक है। इससे पहले, हम इस फंड के कई लाभों को देखें, आइए धारा 80सी के तहत शीर्ष 7 सर्वश्रेष्ठ ईएलएसएस टैक्स सेविंग फंड देखें।

धारा 80सी के तहत ईएलएसएस के माध्यम से कर बचत के अनेक लाभ

ईएलएसएस योजना दोहरे लाभ प्राप्त करने का एक आसान तरीका है- बचत करेंकरों और शेयर बाजारों में पैसा बढ़ाना। इसी तरह और भी कई फायदे हैं जैसे:

ईएलएसएस के माध्यम से कर बचत

एकइन्वेस्टर एक कर के लिए पात्र हैकटौती धारा 80सी के तहत 1.5 लाख रुपये तक। INR 1,50,000 का यह निवेश INR 46,350 तक कर बचा सकता है। लेकिन, यह केवल उन निवेशकों के लिए है जो 30% इनकम टैक्स ब्रैकेट में हैं। 20% के आयकर स्लैब के लिए यह INR 30,000 है और 5% स्लैब के लिए यह INR 7,525 है।

न्यूनतम और अधिकतम निवेश

निवेशक कर सकते हैंम्युचुअल फंड में निवेश दो तरीके से-सिप और एकमुश्त। ELSS में निवेश के लिए SIP के माध्यम से निवेश करने के लिए न्यूनतम राशि INR 500 है। और एक मुश्त राशि के लिए यह INR 5000 है।

ईएलएसएस की लॉक-इन अवधि

ईएलएसएस का एक महत्वपूर्ण लाभ यह है कि यह अन्य टैक्स सेविंग विकल्पों की तुलना में 3 साल की सबसे कम लॉक-इन अवधि के साथ आता है।

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धारा 80सी के तहत सर्वश्रेष्ठ ईएलएसएस म्युचुअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹49.1407 ↑ 0.10	₹4,341	-7.6	-2.5	12.2	21.5	16.5	-9.1
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
BNP Paribas Long Term Equity Fund (ELSS) Growth	₹98.8763 ↑ 0.39	₹941	-0.5	5	16.3	19.4	13.5	4.8
JM Tax Gain Fund Growth	₹48.3427 ↑ 0.30	₹226	-5.1	2	10.9	18.9	15.1	2.5
BOI AXA Tax Advantage Fund Growth	₹162 ↑ 0.89	₹1,402	-0.6	4.5	14.8	17.7	15.4	-3.5
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 17 Feb 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	BNP Paribas Long Term Equity Fund (ELSS)	JM Tax Gain Fund	BOI AXA Tax Advantage Fund	Baroda Pioneer ELSS 96
Point 1	Highest AUM (₹4,341 Cr).	Lower mid AUM (₹485 Cr).	Upper mid AUM (₹1,318 Cr).	Lower mid AUM (₹941 Cr).	Bottom quartile AUM (₹226 Cr).	Upper mid AUM (₹1,402 Cr).	Bottom quartile AUM (₹210 Cr).
Point 2	Established history (11+ yrs).	Established history (12+ yrs).	Oldest track record among peers (25 yrs).	Established history (20+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (10+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Not Rated.
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.
Point 5	5Y return: 16.53% (upper mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (top quartile).	5Y return: 13.55% (lower mid).	5Y return: 15.10% (lower mid).	5Y return: 15.36% (upper mid).	5Y return: 11.62% (bottom quartile).
Point 6	3Y return: 21.47% (top quartile).	3Y return: 20.84% (upper mid).	3Y return: 20.64% (upper mid).	3Y return: 19.45% (lower mid).	3Y return: 18.89% (lower mid).	3Y return: 17.73% (bottom quartile).	3Y return: 16.70% (bottom quartile).
Point 7	1Y return: 12.17% (bottom quartile).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).	1Y return: 16.29% (lower mid).	1Y return: 10.93% (bottom quartile).	1Y return: 14.79% (lower mid).	1Y return: 17.56% (upper mid).
Point 8	Alpha: -16.15 (bottom quartile).	Alpha: 1.78 (upper mid).	Alpha: 1.75 (upper mid).	Alpha: -2.74 (lower mid).	Alpha: -4.83 (lower mid).	Alpha: -10.85 (bottom quartile).	Alpha: 5.69 (top quartile).
Point 9	Sharpe: -0.43 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (upper mid).	Sharpe: 0.00 (lower mid).	Sharpe: -0.15 (lower mid).	Sharpe: -0.36 (bottom quartile).	Sharpe: 2.51 (top quartile).
Point 10	Information ratio: 0.53 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.63 (upper mid).	Information ratio: 0.65 (top quartile).	Information ratio: 0.01 (lower mid).	Information ratio: -0.09 (lower mid).

Motilal Oswal Long Term Equity Fund

Highest AUM (₹4,341 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.53% (upper mid).
3Y return: 21.47% (top quartile).
1Y return: 12.17% (bottom quartile).
Alpha: -16.15 (bottom quartile).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.53 (upper mid).

IDBI Equity Advantage Fund

Lower mid AUM (₹485 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (upper mid).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (upper mid).
Sharpe: 1.21 (upper mid).
Information ratio: -1.13 (bottom quartile).

HDFC Long Term Advantage Fund

Upper mid AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (upper mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (upper mid).
Information ratio: -0.15 (bottom quartile).

BNP Paribas Long Term Equity Fund (ELSS)

Lower mid AUM (₹941 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.55% (lower mid).
3Y return: 19.45% (lower mid).
1Y return: 16.29% (lower mid).
Alpha: -2.74 (lower mid).
Sharpe: 0.00 (lower mid).
Information ratio: 0.63 (upper mid).

JM Tax Gain Fund

Bottom quartile AUM (₹226 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.10% (lower mid).
3Y return: 18.89% (lower mid).
1Y return: 10.93% (bottom quartile).
Alpha: -4.83 (lower mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.65 (top quartile).

BOI AXA Tax Advantage Fund

Upper mid AUM (₹1,402 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.36% (upper mid).
3Y return: 17.73% (bottom quartile).
1Y return: 14.79% (lower mid).
Alpha: -10.85 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.01 (lower mid).

Baroda Pioneer ELSS 96

Bottom quartile AUM (₹210 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 16.70% (bottom quartile).
1Y return: 17.56% (upper mid).
Alpha: 5.69 (top quartile).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower mid).

*उपरोक्त इक्विटी लिंक्ड सेविंग सेकेम्स की सूची है जिसमें शुद्ध संपत्तियां अधिक होती हैं100 - 5,000 करोड़ और 1 वर्ष से अधिक के लिए धन का प्रबंधन किया है और भाग के वार्षिक रिटर्न के आधार पर क्रमबद्ध किया है3 वर्ष.

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

Highest AUM (₹4,341 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.53% (upper mid).
3Y return: 21.47% (top quartile).
1Y return: 12.17% (bottom quartile).
Alpha: -16.15 (bottom quartile).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.53 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Multi Commodity Exchange of India Ltd (~7.8%).

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 (17 Feb 26)	₹49.1407 ↑ 0.10 (0.21 %)
Net Assets (Cr)	₹4,341 on 31 Dec 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.43
Information Ratio	0.53
Alpha Ratio	-16.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,265
31 Jan 23	₹13,176
31 Jan 24	₹19,252
31 Jan 25	₹23,449
31 Jan 26	₹23,990

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 17 Feb 26

Duration	Returns
1 Month	-1.9%
3 Month	-7.6%
6 Month	-2.5%
1 Year	12.2%
3 Year	21.5%
5 Year	16.5%
10 Year
15 Year
Since launch	15.4%

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
Ajay Khandelwal	11 Dec 23	2.14 Yr.
Rakesh Shetty	22 Nov 22	3.2 Yr.
Atul Mehra	1 Oct 24	1.34 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	33.05%
Industrials	22.97%
Consumer Cyclical	16.09%
Technology	9.79%
Basic Materials	8.83%
Real Estate	3.76%
Health Care	2.64%
Consumer Defensive	1.83%

Asset Allocation

Asset Class	Value
Cash	1.03%
Equity	98.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	8%	₹328 Cr	1,296,040
Piramal Finance Ltd (Financial Services) Equity, Since 30 Sep 25 \| PIRAMALFIN	6%	₹244 Cr	1,401,921 ↑ 113,688
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	5%	₹219 Cr	8,000,000
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Jun 25 \| MUTHOOTFIN	5%	₹209 Cr	546,874
Billionbrains Garage Ventures Ltd (Financial Services) Equity, Since 30 Nov 25 \| GROWW	5%	₹194 Cr	10,941,411 ↑ 797,603
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	4%	₹185 Cr	102,631 ↑ 2,310
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	4%	₹163 Cr	583,979
Bharat Electronics Ltd (Industrials) Equity, Since 30 Apr 24 \| BEL	4%	₹162 Cr	3,598,038
Jain Resource Recycling Ltd (Basic Materials) Equity, Since 31 Oct 25 \| JAINREC	4%	₹159 Cr	3,870,864 ↑ 1,023,142
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	4%	₹157 Cr	1,077,437

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

Lower mid AUM (₹485 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (upper mid).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (upper 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
31 Jan 21	₹10,000
31 Jan 22	₹12,897
31 Jan 23	₹12,807

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 17 Feb 26

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. 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

Upper mid AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (upper mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (upper mid).
Information ratio: -0.15 (bottom quartile).

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 Jan 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 17 Feb 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

4. 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 (₹941 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.55% (lower mid).
3Y return: 19.45% (lower mid).
1Y return: 16.29% (lower mid).
Alpha: -2.74 (lower mid).
Sharpe: 0.00 (lower mid).
Information ratio: 0.63 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~6.7%).

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 (17 Feb 26)	₹98.8763 ↑ 0.39 (0.40 %)
Net Assets (Cr)	₹941 on 31 Dec 25
Category	Equity - ELSS
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.21
Sharpe Ratio	0
Information Ratio	0.63
Alpha Ratio	-2.74
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,514
31 Jan 23	₹11,918
31 Jan 24	₹16,230
31 Jan 25	₹18,649
31 Jan 26	₹20,215

BNP Paribas Long Term Equity Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 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 17 Feb 26

Duration	Returns
1 Month	0.4%
3 Month	-0.5%
6 Month	5%
1 Year	16.3%
3 Year	19.4%
5 Year	13.5%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.8%
2023	23.6%
2022	31.3%
2021	-2.1%
2020	23.6%
2019	17.8%
2018	14.3%
2017	-9.3%
2016	42.3%
2015	-6.6%

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

Name	Since	Tenure
Sanjay Chawla	14 Mar 22	3.89 Yr.
Pratish Krishnan	14 Mar 22	3.89 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.35%
Consumer Cyclical	15.45%
Industrials	11.56%
Technology	11.49%
Basic Materials	8.15%
Health Care	6.35%
Consumer Defensive	4.21%
Energy	3.92%
Communication Services	3.13%
Utility	1.23%

Asset Allocation

Asset Class	Value
Cash	2.14%
Equity	97.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	7%	₹61 Cr	656,320
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	5%	₹45 Cr	329,900
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	4%	₹36 Cr	255,800
State Bank of India (Financial Services) Equity, Since 31 Mar 22 \| SBIN	3%	₹30 Cr	278,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 19 \| BHARTIARTL	3%	₹29 Cr	144,966
Infosys Ltd (Technology) Equity, Since 29 Feb 24 \| INFY	3%	₹26 Cr	158,994
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 20 \| LT	3%	₹25 Cr	62,520
Tech Mahindra Ltd (Technology) Equity, Since 31 May 25 \| TECHM	3%	₹23 Cr	134,100
Sagility Ltd (Healthcare) Equity, Since 30 Nov 24 \| SAGILITY	2%	₹23 Cr	4,551,400
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| TVSMOTOR	2%	₹22 Cr	60,500

5. 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 (₹226 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.10% (lower mid).
3Y return: 18.89% (lower mid).
1Y return: 10.93% (bottom quartile).
Alpha: -4.83 (lower mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.65 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~4.2%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (17 Feb 26)	₹48.3427 ↑ 0.30 (0.63 %)
Net Assets (Cr)	₹226 on 31 Dec 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.15
Information Ratio	0.65
Alpha Ratio	-4.83
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,461
31 Jan 23	₹13,235
31 Jan 24	₹18,640
31 Jan 25	₹21,729
31 Jan 26	₹22,357

JM Tax Gain 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 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 17 Feb 26

Duration	Returns
1 Month	-1.1%
3 Month	-5.1%
6 Month	2%
1 Year	10.9%
3 Year	18.9%
5 Year	15.1%
10 Year
15 Year
Since launch	9.2%

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	1.34 Yr.
Asit Bhandarkar	31 Dec 21	4.09 Yr.
Ruchi Fozdar	4 Oct 24	1.33 Yr.
Deepak Gupta	11 Apr 25	0.81 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	28.42%
Consumer Cyclical	15.57%
Technology	11.47%
Industrials	10.28%
Basic Materials	8.65%
Health Care	8.39%
Consumer Defensive	3.74%
Real Estate	3.59%
Energy	3.45%
Communication Services	3.01%

Asset Allocation

Asset Class	Value
Cash	3.43%
Equity	96.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹9 Cr	98,262
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	4%	₹8 Cr	19,647
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹7 Cr	48,500
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	32,950 ↑ 7,500
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 590003	3%	₹6 Cr	199,000
Max Financial Services Ltd (Financial Services) Equity, Since 31 May 25 \| MFSL	3%	₹6 Cr	36,400
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| MARUTI	3%	₹6 Cr	3,956
CarTrade Tech Ltd (Consumer Cyclical) Equity, Since 30 Sep 25 \| 543333	3%	₹5 Cr	20,655 ↑ 3,300
Lupin Ltd (Healthcare) Equity, Since 31 May 25 \| LUPIN	2%	₹5 Cr	25,000

6. BOI AXA Tax Advantage Fund

The Scheme seeks to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities across all market capitalisations. The Scheme is in the nature of diversified multi-cap fund. The Scheme is not providing any assured or guaranteed returns.(There can be no assurance that the investment objectives of the Scheme will be realized.)

Research Highlights for BOI AXA Tax Advantage Fund

Upper mid AUM (₹1,402 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.36% (upper mid).
3Y return: 17.73% (bottom quartile).
1Y return: 14.79% (lower mid).
Alpha: -10.85 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.01 (lower mid).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~5.2%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (17 Feb 26)	₹162 ↑ 0.89 (0.55 %)
Net Assets (Cr)	₹1,402 on 31 Dec 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.36
Information Ratio	0.01
Alpha Ratio	-10.85
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,895
31 Jan 23	₹13,855
31 Jan 24	₹20,018
31 Jan 25	₹21,539
31 Jan 26	₹22,366

BOI AXA Tax Advantage 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 BOI AXA Tax 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 17 Feb 26

Duration	Returns
1 Month	2.3%
3 Month	-0.6%
6 Month	4.5%
1 Year	14.8%
3 Year	17.7%
5 Year	15.4%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.5%
2023	21.6%
2022	34.8%
2021	-1.3%
2020	41.5%
2019	31.2%
2018	14.6%
2017	-16.3%
2016	57.7%
2015	-1.2%

Fund Manager information for BOI AXA Tax Advantage Fund

Name	Since	Tenure
Alok Singh	27 Apr 22	3.77 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	23.83%
Industrials	16.76%
Basic Materials	14.44%
Consumer Cyclical	7.15%
Technology	5.52%
Consumer Defensive	5.37%
Utility	5.15%
Communication Services	3.37%
Energy	2.29%
Health Care	1.77%
Real Estate	0.12%

Asset Allocation

Asset Class	Value
Cash	14.11%
Equity	85.77%
Debt	0.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	5%	₹72 Cr	664,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	4%	₹49 Cr	105,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	4%	₹48 Cr	355,000 ↓ -50,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| VEDL	3%	₹48 Cr	700,000 ↓ -712,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹46 Cr	235,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹42 Cr	221,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹41 Cr	437,532
Indian Bank (Financial Services) Equity, Since 31 Aug 23 \| INDIANB	3%	₹38 Cr	415,000 ↑ 15,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹36 Cr	1,120,000
Coromandel International Ltd (Basic Materials) Equity, Since 31 Jan 23 \| COROMANDEL	3%	₹36 Cr	157,000

7. 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 (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 16.70% (bottom quartile).
1Y return: 17.56% (upper mid).
Alpha: 5.69 (top quartile).
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
31 Jan 21	₹10,000
31 Jan 22	₹13,804

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 17 Feb 26

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

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।