8 बेस्ट ईएलएसएस टैक्स सेविंग म्यूचुअल फंड 2022

Updated on November 26, 2025 , 65217 views

वित्तीय वर्ष समाप्त होने के साथ, यह आपकी शुरुआत करने का समय हैकर योजना. भारत में इतने सारे टैक्स बचत विकल्पों के साथ,ईएलएसएस सबसे अच्छा खड़ा है क्योंकि वे कर बचत से परे लाभ प्रदान करते हैं।

ईएलएसएस या इक्विटी लिंक्ड सेविंग स्कीम 3 साल की लॉक-इन अवधि के साथ आती है, जो अन्य सभी टैक्स सेविंग्स की तुलना में सबसे कम होल्डिंग है। द्वारानिवेश ईएलएसएस में, कोई व्यक्ति INR 1,50 तक की कटौती प्राप्त कर सकता है,000 उनके कर योग्य . सेआय के अनुसारधारा 80सी काआयकर कार्य। चूंकि, ईएलएसएस फंड इक्विटी में विविधतापूर्ण होते हैं और फंड का एक बड़ा हिस्सा इक्विटी और संबंधित उत्पादों में निवेश किया जाता है, वे इक्विटी रिटर्न भी प्रदान करते हैं। इसका मतलब है कि निवेशक अपने निवेश पर इक्विटी रिटर्न भी अर्जित कर सकते हैं।

इससे पहले कि हम इस योजना की कुछ अन्य महत्वपूर्ण विशेषताओं को देखें, आइए सर्वोत्तम ईएलएसएस कर बचत की जाँच करेंम्यूचुअल फंड्स 2022 - 2023 के लिए।

टैक्स सेविंग के लिए ELSS क्यों चुनें?

ईएलएसएस के अन्य प्रमुख लाभ हैं:

कर मुक्त रिटर्न

बजट 2018 के अनुसार, ईएलएसएस लंबी अवधि को आकर्षित करेगाराजधानी लाभ (LTCG)। लंबी अवधि के तहत निवेशकों पर 10% (बिना इंडेक्सेशन के) कर लगाया जाएगापूंजी लाभ कर। INR 1 लाख तक का लाभ कर मुक्त है। INR 1 लाख से अधिक के लाभ पर 10% की दर से कर लागू होता है।

न्यूनतम निवेश राशि

लेने सेसिप मार्ग, निवेशक INR 500 जितनी कम राशि का निवेश कर सकते हैं। यह एक व्यक्ति कोपैसे बचाएं हर महीने एकमुश्त के बजाय।

इक्विटी रिटर्न

चूंकि ये म्यूचुअल फंड इक्विटी से संबंधित उपकरणों में निवेश करते हैं, इसलिए आपके द्वारा निवेश किया गया पैसा स्टॉक के रूप में बढ़ता हैमंडी उगता है। इसलिए, ईएलएसएस फंड में लाभ अधिक है।

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सर्वश्रेष्ठ प्रदर्शन करने वाला ईएलएसएस टैक्स सेविंग म्यूचुअल फंड वित्त वर्ष 22 - 23

Fund	NAV	Net Assets (Cr)	Rating	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹51.7788 ↓ -0.28	₹4,515	Not Rated	4.3	1.4	-2.9	23	22.3	47.7
Bandhan Tax Advantage (ELSS) Fund Growth	₹158.651 ↑ 0.15	₹7,215	☆☆☆☆☆	6.5	5.9	6.9	15.4	21.2	13.1
Franklin India Taxshield Growth	₹1,512.84 ↓ -1.76	₹6,788	☆☆	4.8	3.5	3.8	17.5	20.4	22.4
JM Tax Gain Fund Growth	₹50.8294 ↓ -0.05	₹224	☆☆☆	6.4	8.9	4	20	20	29
BOI AXA Tax Advantage Fund Growth	₹161.97 ↑ 0.37	₹1,417	☆☆☆	4.6	1.8	-3.6	16.2	18.8	21.6
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth	₹970.98 ↓ -1.48	₹14,844	☆☆	5	6.2	9.5	16	18.8	16.4
Mahindra Mutual Fund Kar Bachat Yojana Growth	₹29.422 ↓ -0.02	₹970	Not Rated	4.8	4.7	7.4	14.4	18.7	12.3
Kotak Tax Saver Fund Growth	₹118.383 ↓ -0.12	₹6,449	☆☆☆	5	4.1	2.6	15.3	18.4	21.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Nov 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	Bandhan Tax Advantage (ELSS) Fund	Franklin India Taxshield	JM Tax Gain Fund	BOI AXA Tax Advantage Fund	ICICI Prudential Long Term Equity Fund (Tax Saving)	Mahindra Mutual Fund Kar Bachat Yojana	Kotak Tax Saver Fund
Point 1	Lower mid AUM (₹4,515 Cr).	Top quartile AUM (₹7,215 Cr).	Upper mid AUM (₹6,788 Cr).	Bottom quartile AUM (₹224 Cr).	Lower mid AUM (₹1,417 Cr).	Highest AUM (₹14,844 Cr).	Bottom quartile AUM (₹970 Cr).	Upper mid AUM (₹6,449 Cr).
Point 2	Established history (10+ yrs).	Established history (16+ yrs).	Oldest track record among peers (26 yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (26+ yrs).	Established history (9+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 2★ (lower mid).	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Not Rated.	Rating: 3★ (upper mid).
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.	Risk profile: Moderately High.
Point 5	5Y return: 22.31% (top quartile).	5Y return: 21.18% (top quartile).	5Y return: 20.43% (upper mid).	5Y return: 20.03% (upper mid).	5Y return: 18.84% (lower mid).	5Y return: 18.76% (lower mid).	5Y return: 18.69% (bottom quartile).	5Y return: 18.45% (bottom quartile).
Point 6	3Y return: 23.04% (top quartile).	3Y return: 15.39% (lower mid).	3Y return: 17.53% (upper mid).	3Y return: 20.02% (top quartile).	3Y return: 16.18% (upper mid).	3Y return: 16.04% (lower mid).	3Y return: 14.36% (bottom quartile).	3Y return: 15.26% (bottom quartile).
Point 7	1Y return: -2.90% (bottom quartile).	1Y return: 6.92% (upper mid).	1Y return: 3.76% (lower mid).	1Y return: 4.04% (upper mid).	1Y return: -3.61% (bottom quartile).	1Y return: 9.53% (top quartile).	1Y return: 7.43% (top quartile).	1Y return: 2.56% (lower mid).
Point 8	Alpha: -2.71 (lower mid).	Alpha: -1.66 (upper mid).	Alpha: -1.98 (upper mid).	Alpha: -3.62 (lower mid).	Alpha: -7.70 (bottom quartile).	Alpha: 0.64 (top quartile).	Alpha: -0.49 (top quartile).	Alpha: -3.83 (bottom quartile).
Point 9	Sharpe: -0.08 (upper mid).	Sharpe: -0.14 (lower mid).	Sharpe: -0.12 (upper mid).	Sharpe: -0.23 (bottom quartile).	Sharpe: -0.37 (bottom quartile).	Sharpe: 0.07 (top quartile).	Sharpe: -0.02 (top quartile).	Sharpe: -0.23 (lower mid).
Point 10	Information ratio: 0.75 (top quartile).	Information ratio: -0.27 (bottom quartile).	Information ratio: 0.58 (upper mid).	Information ratio: 0.71 (top quartile).	Information ratio: 0.10 (upper mid).	Information ratio: -0.12 (lower mid).	Information ratio: -0.62 (bottom quartile).	Information ratio: -0.26 (lower mid).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,515 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.31% (top quartile).
3Y return: 23.04% (top quartile).
1Y return: -2.90% (bottom quartile).
Alpha: -2.71 (lower mid).
Sharpe: -0.08 (upper mid).
Information ratio: 0.75 (top quartile).

Bandhan Tax Advantage (ELSS) Fund

Top quartile AUM (₹7,215 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.18% (top quartile).
3Y return: 15.39% (lower mid).
1Y return: 6.92% (upper mid).
Alpha: -1.66 (upper mid).
Sharpe: -0.14 (lower mid).
Information ratio: -0.27 (bottom quartile).

Franklin India Taxshield

Upper mid AUM (₹6,788 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.43% (upper mid).
3Y return: 17.53% (upper mid).
1Y return: 3.76% (lower mid).
Alpha: -1.98 (upper mid).
Sharpe: -0.12 (upper mid).
Information ratio: 0.58 (upper mid).

JM Tax Gain Fund

Bottom quartile AUM (₹224 Cr).
Established history (17+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 20.03% (upper mid).
3Y return: 20.02% (top quartile).
1Y return: 4.04% (upper mid).
Alpha: -3.62 (lower mid).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.71 (top quartile).

BOI AXA Tax Advantage Fund

Lower mid AUM (₹1,417 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.84% (lower mid).
3Y return: 16.18% (upper mid).
1Y return: -3.61% (bottom quartile).
Alpha: -7.70 (bottom quartile).
Sharpe: -0.37 (bottom quartile).
Information ratio: 0.10 (upper mid).

ICICI Prudential Long Term Equity Fund (Tax Saving)

Highest AUM (₹14,844 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.76% (lower mid).
3Y return: 16.04% (lower mid).
1Y return: 9.53% (top quartile).
Alpha: 0.64 (top quartile).
Sharpe: 0.07 (top quartile).
Information ratio: -0.12 (lower mid).

Mahindra Mutual Fund Kar Bachat Yojana

Bottom quartile AUM (₹970 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.69% (bottom quartile).
3Y return: 14.36% (bottom quartile).
1Y return: 7.43% (top quartile).
Alpha: -0.49 (top quartile).
Sharpe: -0.02 (top quartile).
Information ratio: -0.62 (bottom quartile).

Kotak Tax Saver Fund

Upper mid AUM (₹6,449 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.45% (bottom quartile).
3Y return: 15.26% (bottom quartile).
1Y return: 2.56% (lower mid).
Alpha: -3.83 (bottom quartile).
Sharpe: -0.23 (lower mid).
Information ratio: -0.26 (lower mid).

*ऊपर ईएलएसएस की सूची है -इक्विटी म्यूचुअल फंड के बीच शुद्ध संपत्ति होना100 - 15000 पिछले 3 वर्षों से करोड़ और प्रबंध संपत्ति। पिछले 5 वर्षों के रिटर्न के आधार पर क्रमबद्धवार्षिक/सीएजीआर आधार.

ईएलएसएस फंड में कौन निवेश कर सकता है?

आम तौर पर, ईएलएसएस म्यूचुअल फंड उन सभी प्रकार के निवेशकों के लिए उपयुक्त होते हैं जो टैक्स प्लानिंग और पैसे बचाने के लिए बाजार से जुड़े जोखिम लेने के इच्छुक हैं। कोई भी व्यक्ति अपने जीवन में किसी भी समय ईएलएसएस फंड में निवेश कर सकता है। हालांकि, आपके करियर के शुरुआती चरण के दौरान टैक्स सेविंग ईएलएसएस फंड में निवेश करने का सुझाव दिया जाता है ताकि आपका पैसा समय के साथ बढ़े और आपको बेहतर रिटर्न मिले।

इसलिए, टैक्स बचाएं और एक ही समय में निवेश करके अच्छा रिटर्न अर्जित करेंबेस्ट एल्स फंड्स. निवेशकों को पता होना चाहिए कि ईएलएसएस फंड में निवेश की गई राशि 3 साल के लिए लॉक है।

निवेशक ईएलएसएस म्यूचुअल फंड में एसआईपी (सिस्टमेटिक) के एकमुश्त (वन टाइम) के रूप में निवेश कर सकते हैंनिवेश योजना) शुरुआती लोगों को सलाह दी जाती है कि वे आम तौर पर एसआईपी का उपयोग करके निवेश करें क्योंकि यह उनके लिए बेहतर अनुकूल है।

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

Lower mid AUM (₹4,515 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.31% (top quartile).
3Y return: 23.04% (top quartile).
1Y return: -2.90% (bottom quartile).
Alpha: -2.71 (lower mid).
Sharpe: -0.08 (upper mid).
Information ratio: 0.75 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Eternal Ltd (~6.3%).

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 (28 Nov 25)	₹51.7788 ↓ -0.28 (-0.53 %)
Net Assets (Cr)	₹4,515 on 31 Oct 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.08
Information Ratio	0.75
Alpha Ratio	-2.71
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 ₹530,691.
Net Profit of ₹230,691 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 28 Nov 25

Duration	Returns
1 Month	-2.4%
3 Month	4.3%
6 Month	1.4%
1 Year	-2.9%
3 Year	23%
5 Year	22.3%
10 Year
15 Year
Since launch	16.4%

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	1.89 Yr.
Rakesh Shetty	22 Nov 22	2.94 Yr.
Atul Mehra	1 Oct 24	1.08 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	28.02%
Consumer Cyclical	19.57%
Technology	17.86%
Financial Services	14.25%
Basic Materials	7.64%
Real Estate	4.16%
Health Care	3.27%
Communication Services	1.87%

Asset Allocation

Asset Class	Value
Cash	0.17%
Equity	99.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	6%	₹285 Cr	8,970,581
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	5%	₹240 Cr	259,208
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	4%	₹200 Cr	583,979
Kaynes Technology India Ltd (Technology) Equity, Since 30 Jun 23 \| KAYNES	4%	₹194 Cr	289,593
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹193 Cr	240,350
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	4%	₹188 Cr	1,077,437
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Jun 25 \| 533398	4%	₹174 Cr	546,874
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	4%	₹173 Cr	100,321
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| 543396	4%	₹164 Cr	1,256,967
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	4%	₹161 Cr	430,073

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

Top quartile AUM (₹7,215 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.18% (top quartile).
3Y return: 15.39% (lower mid).
1Y return: 6.92% (upper mid).
Alpha: -1.66 (upper mid).
Sharpe: -0.14 (lower mid).
Information ratio: -0.27 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.8%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (28 Nov 25)	₹158.651 ↑ 0.15 (0.10 %)
Net Assets (Cr)	₹7,215 on 31 Oct 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.14
Information Ratio	-0.27
Alpha Ratio	-1.66
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	₹18,019
31 Oct 22	₹18,859
31 Oct 23	₹21,481
31 Oct 24	₹27,851
31 Oct 25	₹28,935

Bandhan Tax Advantage (ELSS) 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 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 28 Nov 25

Duration	Returns
1 Month	1.2%
3 Month	6.5%
6 Month	5.9%
1 Year	6.9%
3 Year	15.4%
5 Year	21.2%
10 Year
15 Year
Since launch	17.7%

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	9.04 Yr.
Ritika Behera	7 Oct 23	2.07 Yr.
Gaurav Satra	10 Jun 24	1.39 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	33.31%
Consumer Cyclical	10.54%
Technology	10.48%
Consumer Defensive	8.78%
Basic Materials	7.85%
Energy	7.79%
Health Care	5.57%
Industrials	4.45%
Communication Services	2.65%
Real Estate	2.13%
Utility	1.95%

Asset Allocation

Asset Class	Value
Cash	4.48%
Equity	95.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹563 Cr	5,700,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹491 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹336 Cr	2,500,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹294 Cr	1,400,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹291 Cr	950,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹234 Cr	1,900,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹224 Cr	2,388,280
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹208 Cr	1,400,000 ↑ 50,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹180 Cr	325,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹175 Cr	850,000 ↓ -50,000

3. Franklin India Taxshield

The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate

Research Highlights for Franklin India Taxshield

Upper mid AUM (₹6,788 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.43% (upper mid).
3Y return: 17.53% (upper mid).
1Y return: 3.76% (lower mid).
Alpha: -1.98 (upper mid).
Sharpe: -0.12 (upper mid).
Information ratio: 0.58 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~9.5%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (28 Nov 25)	₹1,512.84 ↓ -1.76 (-0.12 %)
Net Assets (Cr)	₹6,788 on 31 Oct 25
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.13
Information Ratio	0.58
Alpha Ratio	-1.98
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	₹16,953
31 Oct 22	₹17,705
31 Oct 23	₹20,056
31 Oct 24	₹28,107
31 Oct 25	₹29,113

Franklin India Taxshield SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Franklin India Taxshield

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25

Duration	Returns
1 Month	-0.1%
3 Month	4.8%
6 Month	3.5%
1 Year	3.8%
3 Year	17.5%
5 Year	20.4%
10 Year
15 Year
Since launch	20.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	22.4%
2023	31.2%
2022	5.4%
2021	36.7%
2020	9.8%
2019	5.1%
2018	-3%
2017	29.1%
2016	4.7%
2015	4%

Fund Manager information for Franklin India Taxshield

Name	Since	Tenure
R. Janakiraman	2 May 16	9.51 Yr.
Rajasa Kakulavarapu	1 Dec 23	1.92 Yr.

Data below for Franklin India Taxshield as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	30.6%
Industrials	12.52%
Consumer Cyclical	10.86%
Technology	8.75%
Basic Materials	5.89%
Consumer Defensive	5.74%
Communication Services	5.46%
Health Care	5.44%
Utility	4.98%
Energy	3.23%
Real Estate	1.89%

Asset Allocation

Asset Class	Value
Cash	4.35%
Equity	95.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	9%	₹644 Cr	6,520,834
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	9%	₹612 Cr	4,546,914
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹356 Cr	883,853
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	5%	₹312 Cr	1,517,753
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	4%	₹285 Cr	1,922,741
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	4%	₹278 Cr	2,252,948
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| 543320	4%	₹238 Cr	7,500,000
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 21 \| HCLTECH	3%	₹225 Cr	1,462,587
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹219 Cr	1,472,922
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Nov 17 \| KOTAKBANK	3%	₹209 Cr	996,211 ↑ 78,901

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 (₹224 Cr).
Established history (17+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 20.03% (upper mid).
3Y return: 20.02% (top quartile).
1Y return: 4.04% (upper mid).
Alpha: -3.62 (lower mid).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.71 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~4.3%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (28 Nov 25)	₹50.8294 ↓ -0.05 (-0.11 %)
Net Assets (Cr)	₹224 on 31 Oct 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.23
Information Ratio	0.71
Alpha Ratio	-3.62
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 ₹505,644.
Net Profit of ₹205,644 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 28 Nov 25

Duration	Returns
1 Month	0.3%
3 Month	6.4%
6 Month	8.9%
1 Year	4%
3 Year	20%
5 Year	20%
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	1.08 Yr.
Asit Bhandarkar	31 Dec 21	3.84 Yr.
Ruchi Fozdar	4 Oct 24	1.08 Yr.
Deepak Gupta	11 Apr 25	0.56 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	27.91%
Consumer Cyclical	15.16%
Technology	12.63%
Industrials	11.55%
Basic Materials	9.57%
Health Care	8.85%
Consumer Defensive	3.73%
Energy	3.54%
Real Estate	3.52%
Communication Services	2.33%

Asset Allocation

Asset Class	Value
Cash	1.22%
Equity	98.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹10 Cr	98,262
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	4%	₹8 Cr	53,400
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	4%	₹8 Cr	19,647
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹8 Cr	56,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| MARUTI	3%	₹6 Cr	3,956 ↑ 650
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹6 Cr	47,500
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	71,957
Max Financial Services Ltd (Financial Services) Equity, Since 31 May 25 \| 500271	3%	₹6 Cr	36,400 ↑ 5,900
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 501423	2%	₹5 Cr	23,737
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 590003	2%	₹5 Cr	218,000

5. 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

Lower mid AUM (₹1,417 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.84% (lower mid).
3Y return: 16.18% (upper mid).
1Y return: -3.61% (bottom quartile).
Alpha: -7.70 (bottom quartile).
Sharpe: -0.37 (bottom quartile).
Information ratio: 0.10 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Vedanta Ltd (~4.9%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (28 Nov 25)	₹161.97 ↑ 0.37 (0.23 %)
Net Assets (Cr)	₹1,417 on 31 Oct 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.37
Information Ratio	0.1
Alpha Ratio	-7.7
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 ₹481,656.
Net Profit of ₹181,656 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 28 Nov 25

Duration	Returns
1 Month	-0.3%
3 Month	4.6%
6 Month	1.8%
1 Year	-3.6%
3 Year	16.2%
5 Year	18.8%
10 Year
15 Year
Since launch	18.1%

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	3.52 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	23.99%
Industrials	21.1%
Basic Materials	17.21%
Utility	7.32%
Consumer Defensive	6.03%
Consumer Cyclical	5.98%
Technology	4.36%
Communication Services	3.41%
Real Estate	2.18%
Health Care	2.03%
Energy	1.43%

Asset Allocation

Asset Class	Value
Cash	4.96%
Equity	95.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| 500295	5%	₹70 Cr	1,412,000
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	4%	₹62 Cr	664,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	4%	₹54 Cr	405,000 ↑ 75,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	3%	₹49 Cr	105,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹49 Cr	283,300 ↓ -2,050
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹48 Cr	235,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹47 Cr	1,120,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹43 Cr	437,532
Ambuja Cements Ltd (Basic Materials) Equity, Since 31 Mar 25 \| 500425	3%	₹39 Cr	685,662
Indian Bank (Financial Services) Equity, Since 31 Aug 23 \| 532814	2%	₹34 Cr	400,000 ↑ 57,000

6. ICICI Prudential Long Term Equity Fund (Tax Saving)

To generate long-term capital appreciation through investments made primarily in equity and equity related securities of companies.

Research Highlights for ICICI Prudential Long Term Equity Fund (Tax Saving)

Highest AUM (₹14,844 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.76% (lower mid).
3Y return: 16.04% (lower mid).
1Y return: 9.53% (top quartile).
Alpha: 0.64 (top quartile).
Sharpe: 0.07 (top quartile).
Information ratio: -0.12 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~7.6%).

Below is the key information for ICICI Prudential Long Term Equity Fund (Tax Saving)

ICICI Prudential Long Term Equity Fund (Tax Saving) Growth
Launch Date	19 Aug 99
NAV (28 Nov 25)	₹970.98 ↓ -1.48 (-0.15 %)
Net Assets (Cr)	₹14,844 on 31 Oct 25
Category	Equity - ELSS
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	0.07
Information Ratio	-0.12
Alpha Ratio	0.64
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	₹16,540
31 Oct 22	₹16,857
31 Oct 23	₹18,219
31 Oct 24	₹24,708
31 Oct 25	₹26,317

ICICI Prudential Long Term Equity Fund (Tax Saving) 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 ICICI Prudential Long Term Equity Fund (Tax Saving)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25

Duration	Returns
1 Month	0.4%
3 Month	5%
6 Month	6.2%
1 Year	9.5%
3 Year	16%
5 Year	18.8%
10 Year
15 Year
Since launch	19%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.4%
2023	23.2%
2022	2.3%
2021	33.7%
2020	13.6%
2019	8.8%
2018	0.5%
2017	26%
2016	3.9%
2015	4.3%

Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)

Name	Since	Tenure
Mittul Kalawadia	18 Sep 23	2.12 Yr.
Sharmila D’mello	31 Jul 22	3.26 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	29.27%
Consumer Cyclical	16.22%
Health Care	11.34%
Industrials	8.82%
Energy	7.25%
Consumer Defensive	5.61%
Communication Services	5.54%
Technology	4.22%
Utility	4.19%
Basic Materials	4.16%
Real Estate	1.38%

Asset Allocation

Asset Class	Value
Cash	1.97%
Equity	97.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	8%	₹1,126 Cr	8,371,978 ↑ 593,867
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 17 \| HDFCBANK	7%	₹1,022 Cr	10,347,868
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 17 \| SUNPHARMA	6%	₹863 Cr	5,105,969
Reliance Industries Ltd (Energy) Equity, Since 31 May 20 \| RELIANCE	6%	₹822 Cr	5,528,578
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	5%	₹804 Cr	6,522,478 ↓ -129,745
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 29 Feb 20 \| 540376	5%	₹699 Cr	1,683,535
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 18 \| LT	4%	₹661 Cr	1,638,689
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 28 Feb 18 \| MARUTI	4%	₹618 Cr	381,642 ↓ -55,366
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 17 \| BHARTIARTL	4%	₹605 Cr	2,946,432 ↓ -251,409
NTPC Ltd (Utilities) Equity, Since 31 Oct 23 \| 532555	4%	₹580 Cr	17,198,432

7. Mahindra Mutual Fund Kar Bachat Yojana

The investment objective of the Scheme is to generate long-term capital appreciation through a diversified portfolio of equity and equity related securities. The Scheme does not guarantee or assure any returns.

Research Highlights for Mahindra Mutual Fund Kar Bachat Yojana

Bottom quartile AUM (₹970 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.69% (bottom quartile).
3Y return: 14.36% (bottom quartile).
1Y return: 7.43% (top quartile).
Alpha: -0.49 (top quartile).
Sharpe: -0.02 (top quartile).
Information ratio: -0.62 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~7.9%).

Below is the key information for Mahindra Mutual Fund Kar Bachat Yojana

Mahindra Mutual Fund Kar Bachat Yojana Growth
Launch Date	18 Oct 16
NAV (28 Nov 25)	₹29.422 ↓ -0.02 (-0.06 %)
Net Assets (Cr)	₹970 on 31 Oct 25
Category	Equity - ELSS
AMC	Mahindra Asset Management Company Pvt. Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.17
Sharpe Ratio	-0.02
Information Ratio	-0.62
Alpha Ratio	-0.49
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	₹16,742
31 Oct 22	₹17,038
31 Oct 23	₹18,945
31 Oct 24	₹24,404
31 Oct 25	₹25,680

Mahindra Mutual Fund Kar Bachat Yojana 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 Mahindra Mutual Fund Kar Bachat Yojana

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	4.8%
6 Month	4.7%
1 Year	7.4%
3 Year	14.4%
5 Year	18.7%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.3%
2023	25.8%
2022	2%
2021	39.4%
2020	14.1%
2019	4.5%
2018	-9.8%
2017	24.8%
2016
2015

Fund Manager information for Mahindra Mutual Fund Kar Bachat Yojana

Name	Since	Tenure
Manish Lodha	21 Dec 20	4.87 Yr.
Fatema Pacha	16 Oct 20	5.05 Yr.

Data below for Mahindra Mutual Fund Kar Bachat Yojana as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	33.45%
Consumer Cyclical	15.22%
Technology	11.03%
Industrials	8.28%
Basic Materials	6.98%
Energy	5.38%
Consumer Defensive	5.21%
Health Care	4.59%
Communication Services	4.53%
Utility	1.59%
Real Estate	0.83%

Asset Allocation

Asset Class	Value
Cash	2.51%
Equity	97.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| HDFCBANK	8%	₹77 Cr	775,000 ↓ -50,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 19 \| ICICIBANK	7%	₹69 Cr	516,120 ↑ 7,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 18 \| RELIANCE	5%	₹52 Cr	351,000
Infosys Ltd (Technology) Equity, Since 29 Feb 20 \| INFY	5%	₹47 Cr	316,041
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	4%	₹35 Cr	335,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 24 \| 532215	4%	₹35 Cr	283,000 ↓ -28,387
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Aug 18 \| LT	3%	₹33 Cr	81,761 ↓ -21,000
State Bank of India (Financial Services) Equity, Since 29 Feb 24 \| SBIN	3%	₹31 Cr	333,000 ↓ -40,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 May 19 \| TCS	3%	₹29 Cr	93,476
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 20 \| HINDUNILVR	3%	₹28 Cr	112,000

8. Kotak Tax Saver Fund

The investment objective of the scheme is to generate longterm capital appreciation from a diversified portfolio of equity and equity related securities and enable investors to avail the income tax rebate, as permitted from time to time.

Research Highlights for Kotak Tax Saver Fund

Upper mid AUM (₹6,449 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.45% (bottom quartile).
3Y return: 15.26% (bottom quartile).
1Y return: 2.56% (lower mid).
Alpha: -3.83 (bottom quartile).
Sharpe: -0.23 (lower mid).
Information ratio: -0.26 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~9.2%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (28 Nov 25)	₹118.383 ↓ -0.12 (-0.10 %)
Net Assets (Cr)	₹6,449 on 31 Oct 25
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.23
Information Ratio	-0.26
Alpha Ratio	-3.83
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	₹15,354
31 Oct 22	₹16,495
31 Oct 23	₹18,383
31 Oct 24	₹24,993
31 Oct 25	₹25,357

Kotak Tax Saver Fund 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 Kotak 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 28 Nov 25

Duration	Returns
1 Month	0.4%
3 Month	5%
6 Month	4.1%
1 Year	2.6%
3 Year	15.3%
5 Year	18.4%
10 Year
15 Year
Since launch	13.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.8%
2023	23.6%
2022	6.9%
2021	33.2%
2020	14.9%
2019	12.7%
2018	-3.8%
2017	33.8%
2016	7.5%
2015	1.5%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	10.19 Yr.

Data below for Kotak Tax Saver Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	30.49%
Consumer Cyclical	11.78%
Industrials	10.95%
Technology	9.92%
Basic Materials	9.76%
Energy	6.87%
Health Care	5.21%
Consumer Defensive	4.87%
Communication Services	4.37%
Utility	3.82%

Asset Allocation

Asset Class	Value
Cash	1.94%
Equity	98.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	9%	₹592 Cr	6,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹350 Cr	2,599,780
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	4%	₹253 Cr	2,700,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹242 Cr	1,180,000 ↓ -59,286
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	3%	₹222 Cr	1,500,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| 532215	3%	₹210 Cr	1,700,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹192 Cr	1,350,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| 543320	3%	₹191 Cr	6,000,000 ↑ 1,389,602
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 29 Feb 24 \| HINDPETRO	3%	₹179 Cr	3,750,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| HEROMOTOCO	3%	₹166 Cr	300,000 ↑ 25,000

ईएलएसएस एसआईपी कैलकुलेटर

Know Your SIP Returns

Total investment amount is ₹720,000
expected amount after 5 Years is ₹1,074,189.
Net Profit of ₹354,189 Invest Now

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