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6 बेस्ट परफॉर्मिंग टैक्स सेविंग म्यूचुअल फंड्स 2022

Updated on September 19, 2023 , 2641 views

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

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2022 (%)
IDFC Tax Advantage (ELSS) Fund Growth	₹117.121 ↑ 0.52	₹5,014	11.5	18.2	21	29.6	15.1	4.2
Tata India Tax Savings Fund Growth	₹32.9538 ↑ 0.08	₹3,557	11.4	14.9	16.4	22.7	12.8	5.9
L&T Tax Advantage Fund Growth	₹89.4863 ↑ 0.40	₹3,300	7.8	14.5	15.5	19.4	9.3	-3
Principal Tax Savings Fund Growth	₹379.456 ↑ 0.41	₹1,090	10	14.9	14.8	23	11.8	4.3
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
Kotak Tax Saver Fund Growth	₹85.294 ↑ 0.43	₹4,051	9.8	15.1	18	24	14.4	6.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23

*1000 करोड़ से 10 के बीच शुद्ध संपत्ति वाले टैक्स सेविंग म्यूचुअल फंड की सूची,000 करोड़।

1. IDFC 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.

IDFC Tax Advantage (ELSS) Fund is a Equity - ELSS fund was launched on 26 Dec 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.3% since its launch. Ranked 3 in ELSS category. Return for 2022 was 4.2% , 2021 was 49.2% and 2020 was 18.7% .

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

IDFC Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (22 Aug 23)	₹117.121 ↑ 0.52 (0.45 %)
Net Assets (Cr)	₹5,014 on 31 Jul 23
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.95
Sharpe Ratio	1.5
Information Ratio	1.29
Alpha Ratio	6.92
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹8,554
31 Aug 20	₹9,030
31 Aug 21	₹15,243
31 Aug 22	₹16,746
31 Aug 23	₹19,960

IDFC Tax Advantage (ELSS) 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 IDFC 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 22 Aug 23

Duration	Returns
1 Month	1.3%
3 Month	11.5%
6 Month	18.2%
1 Year	21%
3 Year	29.6%
5 Year	15.1%
10 Year
15 Year
Since launch	18.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	4.2%
2021	49.2%
2020	18.7%
2019	1.9%
2018	-9.4%
2017	53.4%
2016	0.4%
2015	6.9%
2014	42.2%
2013	15%

Fund Manager information for IDFC Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	6.87 Yr.
Nishita Shah	31 Jul 23	0.09 Yr.

Data below for IDFC Tax Advantage (ELSS) Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Financial Services	26.52%
Industrials	15.15%
Consumer Cyclical	13.31%
Basic Materials	10.56%
Technology	8.39%
Health Care	7.15%
Consumer Defensive	6.64%
Energy	4.27%
Communication Services	2.15%
Utility	1.74%

Asset Allocation

Asset Class	Value
Cash	4.11%
Equity	95.89%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	7%	₹364 Cr	3,800,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	6%	₹284 Cr	1,806,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	4%	₹217 Cr	900,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	4%	₹195 Cr	2,000,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	4%	₹194 Cr	1,350,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹152 Cr	2,700,000
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 May 20 \| TATAMOTORS	3%	₹150 Cr	2,500,000 ↓ -100,000
NCC Ltd (Industrials) Equity, Since 28 Feb 19 \| NCC	2%	₹115 Cr	6,800,000 ↓ -700,000
KEC International Ltd (Industrials) Equity, Since 30 Sep 15 \| 532714	2%	₹114 Cr	1,700,000
Jindal Steel & Power Ltd Shs Dematerialised (Basic Materials) Equity, Since 31 Mar 18 \| 532286	2%	₹110 Cr	1,600,000

2. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Tata India Tax Savings Fund is a Equity - ELSS fund was launched on 13 Oct 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.4% since its launch. Ranked 1 in ELSS category. Return for 2022 was 5.9% , 2021 was 30.4% and 2020 was 11.9% .

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (22 Aug 23)	₹32.9538 ↑ 0.08 (0.25 %)
Net Assets (Cr)	₹3,557 on 31 Jul 23
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	0.99
Information Ratio	-0.18
Alpha Ratio	1.82
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹9,493
31 Aug 20	₹9,695
31 Aug 21	₹14,601
31 Aug 22	₹15,765
31 Aug 23	₹17,974

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Tata India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	1.2%
3 Month	11.4%
6 Month	14.9%
1 Year	16.4%
3 Year	22.7%
5 Year	12.8%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	5.9%
2021	30.4%
2020	11.9%
2019	13.6%
2018	-8.4%
2017	46%
2016	2.1%
2015	13.3%
2014
2013

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Tejas Gutka	9 Mar 21	2.48 Yr.

Data below for Tata India Tax Savings Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Financial Services	34.48%
Industrials	18.17%
Consumer Cyclical	10.44%
Technology	7.91%
Basic Materials	5.93%
Energy	4.84%
Communication Services	4.42%
Health Care	3.99%
Utility	2.86%
Consumer Defensive	2.65%
Real Estate	1.38%

Asset Allocation

Asset Class	Value
Cash	2.43%
Equity	97.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	10%	₹339 Cr	2,160,000 ↓ -111,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹223 Cr	2,325,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	5%	₹167 Cr	1,160,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	5%	₹162 Cr	675,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹140 Cr	2,500,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	4%	₹127 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹105 Cr	390,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Jun 22 \| RADICO	2%	₹82 Cr	650,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	2%	₹81 Cr	940,000
PVR INOX Ltd (Communication Services) Equity, Since 28 Feb 23 \| PVRINOX	2%	₹79 Cr	441,000

3. L&T Tax Advantage Fund

To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

L&T Tax Advantage Fund is a Equity - ELSS fund was launched on 27 Feb 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.4% since its launch. Ranked 7 in ELSS category. Return for 2022 was -3% , 2021 was 30.3% and 2020 was 13.5% .

Below is the key information for L&T Tax Advantage Fund

L&T Tax Advantage Fund Growth
Launch Date	27 Feb 06
NAV (22 Aug 23)	₹89.4863 ↑ 0.40 (0.45 %)
Net Assets (Cr)	₹3,300 on 31 Jul 23
Category	Equity - ELSS
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.98
Sharpe Ratio	1.14
Information Ratio	-0.63
Alpha Ratio	3.56
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹8,735
31 Aug 20	₹9,026
31 Aug 21	₹13,627
31 Aug 22	₹13,713
31 Aug 23	₹15,690

L&T Tax 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 L&T 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 22 Aug 23

Duration	Returns
1 Month	0.4%
3 Month	7.8%
6 Month	14.5%
1 Year	15.5%
3 Year	19.4%
5 Year	9.3%
10 Year
15 Year
Since launch	13.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	-3%
2021	30.3%
2020	13.5%
2019	4.6%
2018	-8.1%
2017	42.3%
2016	8.1%
2015	2.9%
2014	44.8%
2013	6.8%

Fund Manager information for L&T Tax Advantage Fund

Name	Since	Tenure
Gautam Bhupal	26 Nov 22	0.76 Yr.
Cheenu Gupta	2 Jul 21	2.17 Yr.

Data below for L&T Tax Advantage Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Financial Services	29.98%
Industrials	19.02%
Consumer Cyclical	16.91%
Technology	12.53%
Consumer Defensive	8.71%
Basic Materials	4.09%
Health Care	3.53%
Energy	3.49%

Asset Allocation

Asset Class	Value
Cash	1.42%
Equity	98.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 06 \| HDFCBANK	8%	₹264 Cr	1,680,600 ↓ -99,392
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 09 \| ICICIBANK	6%	₹182 Cr	1,897,100
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 22 \| LT	5%	₹155 Cr	574,100
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Dec 21 \| CHOLAFIN	4%	₹125 Cr	1,114,400
KPIT Technologies Ltd (Technology) Equity, Since 30 Sep 21 \| KPITTECH	4%	₹125 Cr	1,059,800
Indian Hotels Co Ltd (Consumer Cyclical) Equity, Since 31 Oct 21 \| 500850	3%	₹111 Cr	2,639,300 ↓ -286,573
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	3%	₹109 Cr	451,600
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Apr 22 \| 500093	3%	₹107 Cr	2,486,300
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Jul 22 \| SUNPHARMA	3%	₹98 Cr	880,400
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	3%	₹89 Cr	622,100 ↓ -117,300

4. Principal Tax Savings Fund

To build a high quality growth-oriented portfolio to provide long-term capital gains to the investors, the scheme aims at providing returns through capital appreciation.

Principal Tax Savings Fund is a Equity - ELSS fund was launched on 31 Mar 96. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.9% since its launch. Ranked 8 in ELSS category. Return for 2022 was 4.3% , 2021 was 32.1% and 2020 was 18.9% .

Below is the key information for Principal Tax Savings Fund

Principal Tax Savings Fund Growth
Launch Date	31 Mar 96
NAV (22 Aug 23)	₹379.456 ↑ 0.41 (0.11 %)
Net Assets (Cr)	₹1,090 on 31 Jul 23
Category	Equity - ELSS
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.36
Sharpe Ratio	0.97
Information Ratio	0.1
Alpha Ratio	1.47
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹8,643
31 Aug 20	₹9,119
31 Aug 21	₹14,128
31 Aug 22	₹15,360
31 Aug 23	₹17,234

Principal Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Principal Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	0.2%
3 Month	10%
6 Month	14.9%
1 Year	14.8%
3 Year	23%
5 Year	11.8%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	4.3%
2021	32.1%
2020	18.9%
2019	2.5%
2018	-9.2%
2017	48.8%
2016	6.2%
2015	2.7%
2014	49.4%
2013	8.5%

Fund Manager information for Principal Tax Savings Fund

Name	Since	Tenure
Sudhir Kedia	29 Oct 19	3.84 Yr.
Rohit Seksaria	1 Jan 22	1.67 Yr.

Data below for Principal Tax Savings Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Financial Services	34.66%
Industrials	11.55%
Consumer Cyclical	11.04%
Technology	9.77%
Consumer Defensive	9.04%
Health Care	7.04%
Energy	6.08%
Basic Materials	4.08%
Communication Services	2.6%
Real Estate	0.48%

Asset Allocation

Asset Class	Value
Cash	3.65%
Equity	96.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	9%	₹95 Cr	606,077
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	6%	₹66 Cr	274,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹63 Cr	661,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	4%	₹48 Cr	333,000
State Bank of India (Financial Services) Equity, Since 30 Apr 05 \| SBIN	4%	₹46 Cr	823,000
Polycab India Ltd (Industrials) Equity, Since 30 Nov 20 \| POLYCAB	3%	₹34 Cr	67,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| 532215	3%	₹30 Cr	311,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Aug 15 \| SUNPHARMA	2%	₹26 Cr	233,000
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 20 \| HINDUNILVR	2%	₹24 Cr	95,000
Tata Consultancy Services Ltd Shs Dematerialised (Technology) Equity, Since 30 Apr 14 \| TCS	2%	₹21 Cr	62,000

5. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

HDFC Long Term Advantage Fund is a Equity - ELSS fund was launched on 2 Jan 01. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.4% since its launch. Ranked 23 in ELSS category. .

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 Aug 18	₹10,000
31 Aug 19	₹9,445
31 Aug 20	₹9,580
31 Aug 21	₹15,168

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 22 Aug 23

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
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013

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

6. 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.

Kotak Tax Saver Fund is a Equity - ELSS fund was launched on 23 Nov 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.8% since its launch. Ranked 19 in ELSS category. Return for 2022 was 6.9% , 2021 was 33.2% and 2020 was 14.9% .

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (22 Aug 23)	₹85.294 ↑ 0.43 (0.51 %)
Net Assets (Cr)	₹4,051 on 31 Jul 23
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.97
Sharpe Ratio	1.31
Information Ratio	0.21
Alpha Ratio	4.53
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹9,520
31 Aug 20	₹10,005
31 Aug 21	₹15,720
31 Aug 22	₹16,831
31 Aug 23	₹19,444

Kotak Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 22 Aug 23

Duration	Returns
1 Month	0.7%
3 Month	9.8%
6 Month	15.1%
1 Year	18%
3 Year	24%
5 Year	14.4%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	6.9%
2021	33.2%
2020	14.9%
2019	12.7%
2018	-3.8%
2017	33.8%
2016	7.5%
2015	1.5%
2014	56.6%
2013	-6.3%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	8.02 Yr.

Data below for Kotak Tax Saver Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value
Cash	1.36%
Equity	98.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹242 Cr	2,525,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| MARUTI	5%	₹210 Cr	210,000 ↑ 30,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| 532215	4%	₹175 Cr	1,800,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 21 \| ITC	4%	₹163 Cr	3,700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 14 \| LT	4%	₹162 Cr	600,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	4%	₹157 Cr	1,000,001
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	4%	₹152 Cr	2,700,000 ↓ -200,000
Linde India Ltd (Basic Materials) Equity, Since 31 Oct 16 \| 523457	3%	₹125 Cr	200,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 06 \| RELIANCE	3%	₹120 Cr	500,000
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| HINDUNILVR	3%	₹119 Cr	475,000

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

ELSS में 3 साल की लॉक-इन अवधि होती है, जो कि अन्य सभी टैक्स सेविंग इंस्ट्रूमेंट्स में सबसे छोटी लॉक-इन अवधि है।

ईएलएसएस फंड में ऑनलाइन निवेश कैसे करें?

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