6 बेस्ट परफॉर्मिंग टैक्स सेविंग म्यूचुअल फंड्स 2022
टैक्स सीजन नजदीक है, इसमें निवेश करने वाले निवेशकईएलएसएस हमेशा उन फंडों को देखें जो इनमें सबसे अच्छा प्रदर्शन कर रहे हैंमंडी. चूंकि, कई निवेशकों को इतने सारे फंडों में से एक फंड चुनना मुश्किल लगता है, हम यहां ईएलएसएस श्रेणी में कुछ सर्वश्रेष्ठ प्रदर्शन करने वालों का सुझाव दे रहे हैं।
निवेशक इन फंडों में निवेश कर सकते हैं और हर साल INR 1.5 लाख तक बचा सकते हैंधारा 80सी काआयकर अधिनियम 1961। ईएलएसएस योजनाओं में न्यूनतम 3 वर्ष की लॉक-इन अवधि होती है। हमारी अनुशंसित सर्वोत्तम प्रदर्शन कर बचतम्यूचुअल फंड्स एयूएम जैसे कुछ महत्वपूर्ण मापदंडों को पूरा करके सावधानीपूर्वक शॉर्टलिस्ट किया गया है,नहीं हैं, पिछले प्रदर्शन, आदि।
इस प्रकार, निवेशक आसानी से अपनी कर बचत की योजना बना सकते हैंनिवेश इन निधियों में।
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बेस्ट परफॉर्मिंग टैक्स सेविंग म्युचुअल फंड्स
To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation.. Below is the key information for Tata India Tax Savings Fund Returns up to 1 year are on 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 Below is the key information for Bandhan Tax Advantage (ELSS) Fund Returns up to 1 year are on 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 Below is the key information for HDFC Long Term Advantage Fund Returns up to 1 year are on To achieve capital appreciation by investing
predominantly in equities and equity-related
instruments. A three-year lock-in period shall
apply in line with the regulation for ELSS
schemes. Research Highlights for Sundaram Diversified Equity Fund Below is the key information for Sundaram Diversified Equity Fund Returns up to 1 year are on 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 Below is the key information for Invesco India Tax Plan Returns up to 1 year are on 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 Below is the key information for Kotak Tax Saver Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Tata India Tax Savings Fund Growth ₹43.0591
↓ -0.46 ₹4,711 3.2 2.9 0.3 14.9 19.7 19.5 Bandhan Tax Advantage (ELSS) Fund Growth ₹147.227
↓ -1.55 ₹7,151 2.1 2.7 -2.8 14.9 23.4 13.1 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 1.2 15.4 35.5 20.6 17.4 Sundaram Diversified Equity Fund Growth ₹217.864
↓ -1.75 ₹1,519 3.8 5 2.7 13.3 19 12 Invesco India Tax Plan Growth ₹121.47
↓ -1.32 ₹2,911 3.2 0.5 -1.1 16 18.6 25.2 Kotak Tax Saver Fund Growth ₹112.34
↓ -1.08 ₹6,493 3 3.9 -2.6 15.7 20.8 21.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 6 Funds showcased
Commentary Tata India Tax Savings Fund Bandhan Tax Advantage (ELSS) Fund HDFC Long Term Advantage Fund Sundaram Diversified Equity Fund Invesco India Tax Plan Kotak Tax Saver Fund Point 1 Upper mid AUM (₹4,711 Cr). Highest AUM (₹7,151 Cr). Bottom quartile AUM (₹1,318 Cr). Bottom quartile AUM (₹1,519 Cr). Lower mid AUM (₹2,911 Cr). Upper mid AUM (₹6,493 Cr). Point 2 Established history (10+ yrs). Established history (16+ yrs). Established history (24+ yrs). Oldest track record among peers (25 yrs). Established history (18+ yrs). Established history (19+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). 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. Point 5 5Y return: 19.75% (upper mid). 5Y return: 23.40% (top quartile). 5Y return: 17.39% (bottom quartile). 5Y return: 19.01% (lower mid). 5Y return: 18.60% (bottom quartile). 5Y return: 20.84% (upper mid). Point 6 3Y return: 14.94% (bottom quartile). 3Y return: 14.94% (lower mid). 3Y return: 20.64% (top quartile). 3Y return: 13.25% (bottom quartile). 3Y return: 16.00% (upper mid). 3Y return: 15.70% (upper mid). Point 7 1Y return: 0.34% (upper mid). 1Y return: -2.81% (bottom quartile). 1Y return: 35.51% (top quartile). 1Y return: 2.67% (upper mid). 1Y return: -1.14% (lower mid). 1Y return: -2.57% (bottom quartile). Point 8 Alpha: -0.42 (upper mid). Alpha: -2.56 (bottom quartile). Alpha: 1.75 (top quartile). Alpha: -0.44 (lower mid). Alpha: 0.93 (upper mid). Alpha: -3.79 (bottom quartile). Point 9 Sharpe: -0.01 (upper mid). Sharpe: -0.21 (bottom quartile). Sharpe: 2.27 (top quartile). Sharpe: -0.02 (lower mid). Sharpe: 0.03 (upper mid). Sharpe: -0.21 (bottom quartile). Point 10 Information ratio: -0.31 (bottom quartile). Information ratio: -0.30 (lower mid). Information ratio: -0.15 (upper mid). Information ratio: -1.14 (bottom quartile). Information ratio: 0.17 (top quartile). Information ratio: -0.03 (upper mid). Tata India Tax Savings Fund
Bandhan Tax Advantage (ELSS) Fund
HDFC Long Term Advantage Fund
Sundaram Diversified Equity Fund
Invesco India Tax Plan
Kotak Tax Saver Fund
1. Tata India Tax Savings Fund
Tata India Tax Savings Fund
Growth Launch Date 13 Oct 14 NAV (08 Aug 25) ₹43.0591 ↓ -0.46 (-1.06 %) Net Assets (Cr) ₹4,711 on 30 Jun 25 Category Equity - ELSS AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio -0.02 Information Ratio -0.31 Alpha Ratio -0.42 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹14,788 31 Jul 22 ₹16,197 31 Jul 23 ₹19,199 31 Jul 24 ₹25,864 31 Jul 25 ₹25,568 Returns for Tata India Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -4.1% 3 Month 3.2% 6 Month 2.9% 1 Year 0.3% 3 Year 14.9% 5 Year 19.7% 10 Year 15 Year Since launch 14.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.5% 2023 24% 2022 5.9% 2021 30.4% 2020 11.9% 2019 13.6% 2018 -8.4% 2017 46% 2016 2.1% 2015 13.3% Fund Manager information for Tata India Tax Savings Fund
Name Since Tenure Rahul Singh 1 Jul 25 0.08 Yr. Sailesh Jain 16 Dec 21 3.63 Yr. Data below for Tata India Tax Savings Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Financial Services 34.15% Consumer Cyclical 14.22% Industrials 13.87% Basic Materials 6.85% Technology 6.75% Energy 5.51% Communication Services 4.32% Health Care 3.23% Real Estate 2.46% Utility 2.45% Consumer Defensive 1% Asset Allocation
Asset Class Value Cash 5.19% Equity 94.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK7% ₹345 Cr 1,725,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | 5321747% ₹307 Cr 2,125,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE4% ₹203 Cr 1,350,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 19 | BHARTIARTL4% ₹189 Cr 940,000 Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY4% ₹186 Cr 1,160,000 State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN4% ₹178 Cr 2,175,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 5322153% ₹156 Cr 1,300,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 16 | LT3% ₹129 Cr 352,147 NTPC Ltd (Utilities)
Equity, Since 30 Jun 21 | 5325552% ₹116 Cr 3,451,000 Samvardhana Motherson International Ltd (Consumer Cyclical)
Equity, Since 30 Nov 22 | MOTHERSON2% ₹105 Cr 6,800,000 2. Bandhan Tax Advantage (ELSS) Fund
Bandhan Tax Advantage (ELSS) Fund
Growth Launch Date 26 Dec 08 NAV (08 Aug 25) ₹147.227 ↓ -1.55 (-1.04 %) Net Assets (Cr) ₹7,151 on 30 Jun 25 Category Equity - ELSS AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.79 Sharpe Ratio -0.21 Information Ratio -0.3 Alpha Ratio -2.56 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹17,656 31 Jul 22 ₹18,991 31 Jul 23 ₹23,480 31 Jul 24 ₹31,323 31 Jul 25 ₹30,039 Returns for Bandhan Tax Advantage (ELSS) Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -4.7% 3 Month 2.1% 6 Month 2.7% 1 Year -2.8% 3 Year 14.9% 5 Year 23.4% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.1% 2023 28.3% 2022 4.2% 2021 49.2% 2020 18.7% 2019 1.9% 2018 -9.4% 2017 53.4% 2016 0.4% 2015 6.9% Fund Manager information for Bandhan Tax Advantage (ELSS) Fund
Name Since Tenure Daylynn Pinto 20 Oct 16 8.78 Yr. Ritika Behera 7 Oct 23 1.82 Yr. Gaurav Satra 10 Jun 24 1.14 Yr. Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Financial Services 32.41% Consumer Cyclical 9.71% Basic Materials 9.36% Technology 8.87% Consumer Defensive 8.17% Energy 7.85% Health Care 6.2% Industrials 5.33% Communication Services 2.81% Real Estate 1.98% Utility 1.87% Asset Allocation
Asset Class Value Cash 5.18% Equity 94.82% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK8% ₹570 Cr 2,850,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE7% ₹495 Cr 3,300,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | 5321745% ₹390 Cr 2,700,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 5322154% ₹300 Cr 2,500,001
↓ -399,999 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 21 | TCS4% ₹294 Cr 850,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | KOTAKBANK3% ₹249 Cr 1,149,999
↑ 149,999 Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY3% ₹216 Cr 1,350,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL3% ₹201 Cr 1,000,000 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | HEROMOTOCO2% ₹148 Cr 350,000 Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 5322862% ₹141 Cr 1,500,000 3. HDFC Long Term Advantage Fund
HDFC Long Term Advantage Fund
Growth Launch Date 2 Jan 01 NAV (14 Jan 22) ₹595.168 ↑ 0.28 (0.05 %) Net Assets (Cr) ₹1,318 on 30 Nov 21 Category Equity - ELSS AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.25 Sharpe Ratio 2.27 Information Ratio -0.15 Alpha Ratio 1.75 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹15,844
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month 4.4% 3 Month 1.2% 6 Month 15.4% 1 Year 35.5% 3 Year 20.6% 5 Year 17.4% 10 Year 15 Year Since launch 21.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for HDFC Long Term Advantage Fund
Name Since Tenure Data below for HDFC Long Term Advantage Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Sundaram Diversified Equity Fund
Sundaram Diversified Equity Fund
Growth Launch Date 22 Nov 99 NAV (08 Aug 25) ₹217.864 ↓ -1.75 (-0.80 %) Net Assets (Cr) ₹1,519 on 30 Jun 25 Category Equity - ELSS AMC Sundaram Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.16 Sharpe Ratio -0.02 Information Ratio -1.14 Alpha Ratio -0.44 Min Investment 500 Min SIP Investment 250 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹15,089 31 Jul 22 ₹16,439 31 Jul 23 ₹19,315 31 Jul 24 ₹24,479 31 Jul 25 ₹24,695 Returns for Sundaram Diversified Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -2.5% 3 Month 3.8% 6 Month 5% 1 Year 2.7% 3 Year 13.3% 5 Year 19% 10 Year 15 Year Since launch 15.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 12% 2023 23.3% 2022 4% 2021 31.5% 2020 9.9% 2019 6.2% 2018 -10.6% 2017 38.4% 2016 6.8% 2015 3.1% Fund Manager information for Sundaram Diversified Equity Fund
Name Since Tenure Rohit Seksaria 24 Feb 21 4.43 Yr. Bharath Subramanian 2 Jun 25 0.16 Yr. Data below for Sundaram Diversified Equity Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Financial Services 31.88% Consumer Cyclical 11.74% Industrials 10.48% Consumer Defensive 7.07% Health Care 6.69% Technology 6.64% Energy 6.37% Basic Materials 6.34% Communication Services 5.01% Utility 1.86% Asset Allocation
Asset Class Value Cash 5.91% Equity 94.08% Other 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 13 | HDFCBANK10% ₹145 Cr 724,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | 5321748% ₹128 Cr 883,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 12 | RELIANCE5% ₹76 Cr 504,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 May 18 | 5322154% ₹61 Cr 505,000
↑ 86,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL3% ₹51 Cr 256,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 18 | LT3% ₹51 Cr 138,000 Sundaram Liquid Dir Gr
Investment Fund | -3% ₹50 Cr 214,777
↑ 214,777 Infosys Ltd (Technology)
Equity, Since 30 Nov 16 | INFY3% ₹49 Cr 306,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN3% ₹49 Cr 595,000 ITC Ltd (Consumer Defensive)
Equity, Since 28 Feb 23 | ITC3% ₹44 Cr 1,046,000 5. Invesco India Tax Plan
Invesco India Tax Plan
Growth Launch Date 29 Dec 06 NAV (08 Aug 25) ₹121.47 ↓ -1.32 (-1.08 %) Net Assets (Cr) ₹2,911 on 30 Jun 25 Category Equity - ELSS AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.97 Sharpe Ratio 0.03 Information Ratio 0.17 Alpha Ratio 0.93 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹15,108 31 Jul 22 ₹14,800 31 Jul 23 ₹17,362 31 Jul 24 ₹24,655 31 Jul 25 ₹24,409 Returns for Invesco India Tax Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -4.8% 3 Month 3.2% 6 Month 0.5% 1 Year -1.1% 3 Year 16% 5 Year 18.6% 10 Year 15 Year Since launch 14.4% 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 4.91 Yr. Deepesh Kashyap 1 Jul 25 0.08 Yr. Data below for Invesco India Tax Plan as on 30 Jun 25
Equity Sector Allocation
Sector Value Financial Services 23.86% Consumer Cyclical 23.04% Industrials 14.96% Technology 11.04% Health Care 8.75% Basic Materials 5.78% Consumer Defensive 3.54% Communication Services 2.36% Energy 2.14% Real Estate 1.75% Utility 1.74% Asset Allocation
Asset Class Value Cash 1.04% Equity 98.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 22 | HDFCBANK6% ₹178 Cr 888,461
↓ -124,075 Infosys Ltd (Technology)
Equity, Since 31 Dec 19 | INFY5% ₹155 Cr 965,480
↑ 276,794 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | 5321743% ₹87 Cr 602,802
↓ -90,402 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 5000343% ₹82 Cr 879,010
↑ 693,566 Home First Finance Co India Ltd --- (Financial Services)
Equity, Since 31 Mar 23 | HOMEFIRST3% ₹78 Cr 568,508 LTIMindtree Ltd (Technology)
Equity, Since 30 Sep 24 | LTIM3% ₹77 Cr 145,427 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322153% ₹76 Cr 632,481
↓ -26,151 Metro Brands Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | 5434263% ₹75 Cr 648,682 FSN E-Commerce Ventures Ltd (Consumer Cyclical)
Equity, Since 31 Jul 24 | 5433843% ₹73 Cr 3,516,833
↑ 703,082 Swiggy Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | SWIGGY2% ₹72 Cr 1,803,333
↑ 186,255 6. Kotak Tax Saver Fund
Kotak Tax Saver Fund
Growth Launch Date 23 Nov 05 NAV (08 Aug 25) ₹112.34 ↓ -1.08 (-0.96 %) Net Assets (Cr) ₹6,493 on 30 Jun 25 Category Equity - ELSS AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.81 Sharpe Ratio -0.21 Information Ratio -0.03 Alpha Ratio -3.79 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹15,469 31 Jul 22 ₹16,545 31 Jul 23 ₹19,922 31 Jul 24 ₹27,905 31 Jul 25 ₹26,809 Returns for Kotak Tax Saver Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -5% 3 Month 3% 6 Month 3.9% 1 Year -2.6% 3 Year 15.7% 5 Year 20.8% 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 9.94 Yr. Data below for Kotak Tax Saver Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Financial Services 30.17% Industrials 13.24% Technology 10.65% Basic Materials 10.26% Consumer Cyclical 9.37% Energy 6.66% Utility 5.77% Communication Services 4.66% Consumer Defensive 4.61% Health Care 4.37% Asset Allocation
Asset Class Value Cash 0.26% Equity 99.74% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | HDFCBANK9% ₹600 Cr 3,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 5321746% ₹376 Cr 2,599,780 Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 21 | BHARTIARTL4% ₹249 Cr 1,239,286 Infosys Ltd (Technology)
Equity, Since 31 Dec 05 | INFY4% ₹240 Cr 1,500,000
↓ -100,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Aug 23 | 5327554% ₹228 Cr 1,350,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN3% ₹221 Cr 2,700,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 13 | 5322153% ₹210 Cr 1,750,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 14 | LT3% ₹183 Cr 500,000 NTPC Ltd (Utilities)
Equity, Since 30 Sep 22 | 5325553% ₹167 Cr 5,000,000 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 29 Feb 24 | HINDPETRO3% ₹164 Cr 3,750,000
इक्विटी लिंक्ड सेविंग स्कीम में टैक्स सेविंग
आइए ईएलएसएस के साथ और उसके बिना कर बचत की तुलना करके कर लाभों की जांच करें:
| विवरण | कर योजना (ईएलएसएस) | नो टैक्स प्लानिंग |
|---|---|---|
| कुल योगआय | 8,00,000 | 8,00,000 |
| कराधान से छूट | 1,50,000 | शून्य |
| कुलकरदायी आय | 6,50,000 | 8,00,000 |
| भुगतान किया जाने वाला कर | 32,500 | 62,500 |
| सहेजी गई राशि | 30,000 | शून्य |
इसलिए, ईएलएसएस में निवेश करके बचाई गई कुल राशि INR 30,000 है।
टैक्स सेविंग म्यूचुअल फंड में निवेश के लाभ
टैक्स बेनिफिट्स के साथ, ELSS आपको निम्नलिखित फायदे भी प्रदान करता है:
इक्विटी रिटर्न
चूंकि ईएलएसएस इक्विटी और टैक्स सेविंग का एक संयोजन है, इसलिए शेयर बाजार के बढ़ने के साथ-साथ आप जो पैसा निवेश करते हैं वह बढ़ता है। तो, निवेशक इक्विटी बाजार से भी रिटर्न कमा सकते हैं। इसलिए, ईएलएसएस भी लंबी अवधि के लिए धन सृजन का एक तरीका है।
एसआईपी लाभ
एकमुश्त राशि का निवेश करने के बजाय, निवेशक मासिक निवेश करके एक आसान रास्ता चुन सकते हैं aसिप. एसआईपी के साथ, कोई भी कम से कम 500 रुपये का निवेश कर सकता है, जिससे यह निवेशकों के लिए सबसे किफायती टैक्स-प्लानिंग और निवेश का माध्यम बन जाता है।
सबसे छोटी लॉक-इन अवधि
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