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

Updated on October 31, 2025 , 8906 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	₹52.7244 ↓ -0.25	₹4,223	1.5	13.6	0.2	24.6	25.7	47.7
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	₹50.2334 ↓ -0.36	₹210	4.9	11.2	1.4	20.3	22.9	29
BNP Paribas Long Term Equity Fund (ELSS) Growth	₹98.0044 ↓ -0.44	₹897	3.8	8.5	4.3	18.3	18.7	23.6
Invesco India Tax Plan Growth	₹127.67 ↓ -1.24	₹2,787	2.4	7.7	1.2	17.3	18.9	25.2
BOI AXA Tax Advantage Fund Growth	₹162.31 ↓ -0.80	₹1,355	2.1	8	-3.5	16.9	21.2	21.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25

Research Highlights & Commentary of 7 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	JM Tax Gain Fund	BNP Paribas Long Term Equity Fund (ELSS)	Invesco India Tax Plan	BOI AXA Tax Advantage Fund
Point 1	Highest AUM (₹4,223 Cr).	Bottom quartile AUM (₹485 Cr).	Lower mid AUM (₹1,318 Cr).	Bottom quartile AUM (₹210 Cr).	Lower mid AUM (₹897 Cr).	Upper mid AUM (₹2,787 Cr).	Upper mid AUM (₹1,355 Cr).
Point 2	Established history (10+ yrs).	Established history (12+ yrs).	Oldest track record among peers (24 yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
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: 25.66% (top quartile).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (bottom quartile).	5Y return: 22.93% (upper mid).	5Y return: 18.66% (lower mid).	5Y return: 18.92% (lower mid).	5Y return: 21.17% (upper mid).
Point 6	3Y return: 24.64% (top quartile).	3Y return: 20.84% (upper mid).	3Y return: 20.64% (upper mid).	3Y return: 20.25% (lower mid).	3Y return: 18.33% (lower mid).	3Y return: 17.25% (bottom quartile).	3Y return: 16.88% (bottom quartile).
Point 7	1Y return: 0.22% (bottom quartile).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).	1Y return: 1.43% (lower mid).	1Y return: 4.26% (upper mid).	1Y return: 1.21% (lower mid).	1Y return: -3.48% (bottom quartile).
Point 8	Alpha: 7.18 (top quartile).	Alpha: 1.78 (upper mid).	Alpha: 1.75 (lower mid).	Alpha: -3.68 (bottom quartile).	Alpha: 1.95 (upper mid).	Alpha: 1.58 (lower mid).	Alpha: -5.42 (bottom quartile).
Point 9	Sharpe: -0.26 (upper mid).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).	Sharpe: -0.85 (bottom quartile).	Sharpe: -0.47 (lower mid).	Sharpe: -0.52 (lower mid).	Sharpe: -0.85 (bottom quartile).
Point 10	Information ratio: 0.80 (top quartile).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.80 (upper mid).	Information ratio: 0.48 (upper mid).	Information ratio: 0.36 (lower mid).	Information ratio: 0.24 (lower mid).

Motilal Oswal Long Term Equity Fund

Highest AUM (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.66% (top quartile).
3Y return: 24.64% (top quartile).
1Y return: 0.22% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (upper mid).
Information ratio: 0.80 (top quartile).

IDBI Equity Advantage Fund

Bottom quartile 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

Lower mid AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom quartile).
3Y return: 20.64% (upper mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹210 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.93% (upper mid).
3Y return: 20.25% (lower mid).
1Y return: 1.43% (lower mid).
Alpha: -3.68 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.80 (upper mid).

BNP Paribas Long Term Equity Fund (ELSS)

Lower mid AUM (₹897 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.66% (lower mid).
3Y return: 18.33% (lower mid).
1Y return: 4.26% (upper mid).
Alpha: 1.95 (upper mid).
Sharpe: -0.47 (lower mid).
Information ratio: 0.48 (upper mid).

Invesco India Tax Plan

Upper mid AUM (₹2,787 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.92% (lower mid).
3Y return: 17.25% (bottom quartile).
1Y return: 1.21% (lower mid).
Alpha: 1.58 (lower mid).
Sharpe: -0.52 (lower mid).
Information ratio: 0.36 (lower mid).

BOI AXA Tax Advantage Fund

Upper mid AUM (₹1,355 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.17% (upper mid).
3Y return: 16.88% (bottom quartile).
1Y return: -3.48% (bottom quartile).
Alpha: -5.42 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.24 (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 (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.66% (top quartile).
3Y return: 24.64% (top quartile).
1Y return: 0.22% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (upper mid).
Information ratio: 0.80 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Eternal Ltd (~6.7%).

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 (31 Oct 25)	₹52.7244 ↓ -0.25 (-0.48 %)
Net Assets (Cr)	₹4,223 on 31 Aug 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.26
Information Ratio	0.8
Alpha Ratio	7.18
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,097
31 Oct 22	₹16,180
31 Oct 23	₹19,013
31 Oct 24	₹31,259
31 Oct 25	₹31,328

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Oct 25

Duration	Returns
1 Month	2.9%
3 Month	1.5%
6 Month	13.6%
1 Year	0.2%
3 Year	24.6%
5 Year	25.7%
10 Year
15 Year
Since launch	16.7%

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	1.81 Yr.
Rakesh Shetty	22 Nov 22	2.86 Yr.
Atul Mehra	1 Oct 24	1 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	32.32%
Consumer Cyclical	18.61%
Financial Services	15.97%
Technology	13.25%
Basic Materials	5.74%
Real Estate	3.72%
Health Care	3.35%
Communication Services	1.94%
Consumer Defensive	0.78%

Asset Allocation

Asset Class	Value
Cash	1.05%
Equity	98.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	7%	₹292 Cr	8,970,581
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Jun 23 \| KAYNES	5%	₹204 Cr	289,593
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	5%	₹202 Cr	259,208
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹194 Cr	240,350
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	4%	₹194 Cr	583,979 ↑ 67,873
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Jun 25 \| 533398	4%	₹168 Cr	546,874 ↑ 72,839
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	4%	₹163 Cr	1,077,437 ↓ -98,787
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	4%	₹159 Cr	430,073
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	4%	₹156 Cr	100,321
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Dec 23 \| BDL	3%	₹153 Cr	1,022,957

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 (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 Oct 20	₹10,000
31 Oct 21	₹14,902
31 Oct 22	₹15,190

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 31 Oct 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. 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

Lower mid AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom quartile).
3Y return: 20.64% (upper mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (lower mid).
Sharpe: 2.27 (top quartile).
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 Oct 20	₹10,000
31 Oct 21	₹16,669

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 31 Oct 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

4. 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 (₹210 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.93% (upper mid).
3Y return: 20.25% (lower mid).
1Y return: 1.43% (lower mid).
Alpha: -3.68 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.80 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~4.4%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (31 Oct 25)	₹50.2334 ↓ -0.36 (-0.72 %)
Net Assets (Cr)	₹210 on 31 Aug 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.86
Information Ratio	0.8
Alpha Ratio	-3.68
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,303
31 Oct 22	₹16,143
31 Oct 23	₹18,504
31 Oct 24	₹27,673
31 Oct 25	₹28,069

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 31 Oct 25

Duration	Returns
1 Month	4.8%
3 Month	4.9%
6 Month	11.2%
1 Year	1.4%
3 Year	20.3%
5 Year	22.9%
10 Year
15 Year
Since launch	9.6%

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	1 Yr.
Asit Bhandarkar	31 Dec 21	3.75 Yr.
Ruchi Fozdar	4 Oct 24	0.99 Yr.
Deepak Gupta	11 Apr 25	0.47 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	27.8%
Consumer Cyclical	16.03%
Technology	12.13%
Industrials	11.62%
Basic Materials	11.11%
Health Care	8.3%
Consumer Defensive	4.01%
Energy	3.42%
Communication Services	2.25%
Real Estate	1.44%
Utility	0.91%

Asset Allocation

Asset Class	Value
Cash	0.99%
Equity	99.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹9 Cr	98,262
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	4%	₹8 Cr	56,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	3%	₹7 Cr	19,647 ↓ -1,000
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	71,957 ↓ -12,793
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹5 Cr	40,401 ↓ -1,200
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹5 Cr	47,500 ↓ -8,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| MARUTI	2%	₹5 Cr	3,306
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	2%	₹5 Cr	28,195
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 501423	2%	₹5 Cr	23,737 ↓ -1,763

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 (₹897 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.66% (lower mid).
3Y return: 18.33% (lower mid).
1Y return: 4.26% (upper mid).
Alpha: 1.95 (upper mid).
Sharpe: -0.47 (lower mid).
Information ratio: 0.48 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~7.0%).

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 (31 Oct 25)	₹98.0044 ↓ -0.44 (-0.45 %)
Net Assets (Cr)	₹897 on 31 Aug 25
Category	Equity - ELSS
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.21
Sharpe Ratio	-0.47
Information Ratio	0.48
Alpha Ratio	1.95
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,715
31 Oct 22	₹14,198
31 Oct 23	₹15,605
31 Oct 24	₹22,561
31 Oct 25	₹23,523

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 31 Oct 25

Duration	Returns
1 Month	4.7%
3 Month	3.8%
6 Month	8.5%
1 Year	4.3%
3 Year	18.3%
5 Year	18.7%
10 Year
15 Year
Since launch	12.2%

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	3.55 Yr.
Pratish Krishnan	14 Mar 22	3.55 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	30.08%
Consumer Cyclical	15.19%
Industrials	11.52%
Technology	10.03%
Health Care	7.72%
Basic Materials	7.35%
Consumer Defensive	4.63%
Energy	3.89%
Utility	3.51%
Communication Services	3.04%

Asset Allocation

Asset Class	Value
Cash	3%
Equity	96.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	7%	₹62 Cr	656,320
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	5%	₹44 Cr	329,900 ↓ -81,100
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	4%	₹35 Cr	255,800
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 19 \| BHARTIARTL	3%	₹27 Cr	144,966
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 23 \| 543320	3%	₹26 Cr	790,813
Infosys Ltd (Technology) Equity, Since 29 Feb 24 \| INFY	3%	₹25 Cr	173,000
State Bank of India (Financial Services) Equity, Since 31 Mar 22 \| SBIN	3%	₹24 Cr	278,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 20 \| LT	3%	₹23 Cr	62,520
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 31 Jan 25 \| RADICO	2%	₹21 Cr	73,000
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| 532343	2%	₹21 Cr	60,500

6. Invesco India Tax Plan

The investment objective of the Scheme is to generate long term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

Research Highlights for Invesco India Tax Plan

Upper mid AUM (₹2,787 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.92% (lower mid).
3Y return: 17.25% (bottom quartile).
1Y return: 1.21% (lower mid).
Alpha: 1.58 (lower mid).
Sharpe: -0.52 (lower mid).
Information ratio: 0.36 (lower mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Infosys Ltd (~5.5%).

Below is the key information for Invesco India Tax Plan

Invesco India Tax Plan Growth
Launch Date	29 Dec 06
NAV (31 Oct 25)	₹127.67 ↓ -1.24 (-0.96 %)
Net Assets (Cr)	₹2,787 on 31 Aug 25
Category	Equity - ELSS
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	-0.52
Information Ratio	0.36
Alpha Ratio	1.58
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,728
31 Oct 22	₹14,757
31 Oct 23	₹16,596
31 Oct 24	₹23,503
31 Oct 25	₹23,788

Invesco India Tax Plan 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 Invesco India Tax Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25

Duration	Returns
1 Month	3%
3 Month	2.4%
6 Month	7.7%
1 Year	1.2%
3 Year	17.3%
5 Year	18.9%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.2%
2023	30.9%
2022	-7.7%
2021	32.6%
2020	19.2%
2019	9.4%
2018	-1.3%
2017	35.7%
2016	3.4%
2015	5.8%

Fund Manager information for Invesco India Tax Plan

Name	Since	Tenure
Amit Nigam	3 Sep 20	5.08 Yr.
Deepesh Kashyap	1 Jul 25	0.25 Yr.

Data below for Invesco India Tax Plan as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	25.22%
Financial Services	20.44%
Industrials	16.07%
Technology	11.56%
Health Care	8.58%
Basic Materials	5.19%
Real Estate	5.05%
Consumer Defensive	3.69%
Communication Services	2.18%
Utility	1.36%

Asset Allocation

Asset Class	Value
Cash	0.66%
Equity	99.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Dec 19 \| INFY	5%	₹152 Cr	1,056,000 ↑ 90,520
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| HDFCBANK	5%	₹148 Cr	1,554,903 ↓ -173,259
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	3%	₹91 Cr	911,349
LTIMindtree Ltd (Technology) Equity, Since 30 Sep 24 \| LTIM	3%	₹87 Cr	167,960
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Nov 22 \| APOLLOHOSP	3%	₹74 Cr	99,306 ↑ 6,306
Metro Brands Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| 543426	3%	₹74 Cr	570,000 ↓ -34,789
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| JUBLFOOD	2%	₹69 Cr	1,116,348
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| ICICIBANK	2%	₹69 Cr	509,425 ↓ -79,631
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	2%	₹69 Cr	1,622,012 ↓ -181,321
Mrs Bectors Food Specialities Ltd Ordinary Shares (Consumer Defensive) Equity, Since 30 Sep 24 \| BECTORFOOD	2%	₹68 Cr	540,000

7. 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 (₹1,355 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.17% (upper mid).
3Y return: 16.88% (bottom quartile).
1Y return: -3.48% (bottom quartile).
Alpha: -5.42 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.24 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Vedanta Ltd (~4.8%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (31 Oct 25)	₹162.31 ↓ -0.80 (-0.49 %)
Net Assets (Cr)	₹1,355 on 31 Aug 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.85
Information Ratio	0.24
Alpha Ratio	-5.42
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,190
31 Oct 22	₹16,357
31 Oct 23	₹18,560
31 Oct 24	₹27,059
31 Oct 25	₹26,116

BOI AXA Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 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 31 Oct 25

Duration	Returns
1 Month	3.4%
3 Month	2.1%
6 Month	8%
1 Year	-3.5%
3 Year	16.9%
5 Year	21.2%
10 Year
15 Year
Since launch	18.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.6%
2023	34.8%
2022	-1.3%
2021	41.5%
2020	31.2%
2019	14.6%
2018	-16.3%
2017	57.7%
2016	-1.2%
2015	2.1%

Fund Manager information for BOI AXA Tax Advantage Fund

Name	Since	Tenure
Alok Singh	27 Apr 22	3.43 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	23.39%
Industrials	21.49%
Basic Materials	16.87%
Utility	7.54%
Consumer Cyclical	6.28%
Consumer Defensive	5.96%
Technology	4.77%
Communication Services	3.21%
Health Care	2.7%
Real Estate	2.53%
Energy	1.35%

Asset Allocation

Asset Class	Value
Cash	3.9%
Equity	96.1%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| 500295	5%	₹66 Cr	1,412,000
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	4%	₹58 Cr	664,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	4%	₹50 Cr	105,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹45 Cr	1,120,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	3%	₹44 Cr	330,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹44 Cr	235,000 ↑ 34,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹42 Cr	437,532
Ambuja Cements Ltd (Basic Materials) Equity, Since 31 Mar 25 \| 500425	3%	₹39 Cr	685,662 ↑ 51,662
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹38 Cr	285,350
Coromandel International Ltd (Basic Materials) Equity, Since 31 Jan 23 \| 506395	3%	₹35 Cr	157,000

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।