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फिनकैश »म्यूचुअल फंड्स »बेस्ट टैक्स सेविंग

4 बेस्ट टैक्स सेविंग ईएलएसएस म्यूचुअल फंड FY 22 - 23

Updated on March 16, 2023 , 8275 views

ईएलएसएस (इक्विटी लिंक्ड सेविंग स्कीम) सबसे अच्छे टैक्स सेविंग विकल्पों में से एक है जो आपको बहुत सारा पैसा बचाने में मदद करता हैआयकर कमाई के साथराजधानी निवेश पर सराहना।

टैक्स सेविंग ईएलएसएस फंड INR 1,50 तक कर छूट की अनुमति देते हैं,000 अंतर्गतधारा 80सी कीआय कर अधिनियम। इसलिए, द्वारानिवेश इन टैक्स सेविंग मेंम्यूचुअल फंड्स, यहां तक कि 30% के उच्चतम टैक्स ब्रैकेट में निवेशक भी अच्छे रिटर्न अर्जित करने के साथ-साथ किसी विशेष वित्तीय वर्ष के लिए लगभग INR 46,000 की कर छूट का लाभ उठा सकते हैं।

Tax-Savings

ईएलएसएस हैंमंडी-लिंक्ड निवेश, आपको इन फंडों में समझदारी से निवेश करने का सुझाव दिया जाता है ताकि लंबी अवधि के नुकसान और जोखिम से बचा जा सके।

ईएलएसएस फंड में निवेश के लाभ FY 22 - 23

  • ईएलएसएस म्यूचुअल फंड INR 1,50,000 तक कर छूट प्रदान करते हैं।
  • रिटर्न अन्य द्वारा दिए गए रिटर्न की तुलना में बहुत अधिक हैटैक्स सेविंग निवेश विकल्प।
  • ईएलएसएस में 3 साल की सबसे कम लॉक-इन अवधि होती है, जो कि अन्य टैक्स सेविंग निवेशों की तुलना में काफी कम है।
  • ईएलएसएस फंड के माध्यम से निवेश करने का विकल्प प्रदान करते हैंसिप, इसलिए निवेशक मासिक रूप से छोटी मात्रा में निवेश करके अपने ईएलएसएस निवेश को आसानी से प्रबंधित कर सकते हैं।

उपरोक्त सभी कारक ईएलएसएस को सबसे अच्छे टैक्स सेविंग विकल्पों में से एक बनाते हैं।

यदि आप निवेश करने की योजना बना रहे हैं, तो SIP (Systematic .)निवेश योजना) उसमे से एकपैसे निवेश करने के सर्वोत्तम तरीके ईएलएसएस में। नियमित निवेश की आदत आपके पोर्टफोलियो को अनुशासित और संतुलित रखती है। साथ ही कर कैलेंडर के अंतिम समय में एकमुश्त राशि की व्यवस्था करने का झंझट भी समाप्त हो जाता है। SIP में आप निवेश की रकम को फिक्स कर सकते हैं, जो कम से कम रु. 500, और एक तारीख जब आपका पैसा आपसे स्वतः कट जाएगाबैंक ईएलएसएस फंड में खाता।

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शीर्ष 4 सर्वश्रेष्ठ प्रदर्शन करने वाले टैक्स सेविंग ईएलएसएस म्यूचुअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2022 (%)Since launch (%)
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth ₹572.43
↑ 2.57
₹9,992-6.8-3.7-1.925.110.62.318.7
Canara Robeco Equity Tax Saver Growth ₹111.33
↑ 0.64
₹4,576-6.1-5.3-124.814.1-0.218.6
BOI AXA Tax Advantage Fund Growth ₹96.01
↑ 0.52
₹679-6.4-4.7-0.425.311.7-1.317.5
IDFC Tax Advantage (ELSS) Fund Growth ₹97.596
↑ 0.61
₹4,033-4.7-1.61.332.611.54.217.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Mar 23
*ऊपर की सूची हैबेस्ट एल्स म्युचुअल फंड ऊपर शुद्ध संपत्ति होना100 करोड़ लॉन्च / स्थापना के बाद से वार्षिक रिटर्न पर क्रमबद्ध।

1. 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.

ICICI Prudential Long Term Equity Fund (Tax Saving) is a Equity - ELSS fund was launched on 19 Aug 99. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.7% since its launch.  Ranked 30 in ELSS category.  Return for 2022 was 2.3% , 2021 was 33.7% and 2020 was 13.6% .

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 (17 Mar 23) ₹572.43 ↑ 2.57   (0.45 %)
Net Assets (Cr) ₹9,992 on 31 Jan 23
Category Equity - ELSS
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.88
Sharpe Ratio -0.29
Information Ratio -0.3
Alpha Ratio -2.1
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
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 17 Mar 23

DurationReturns
1 Month -4%
3 Month -6.8%
6 Month -3.7%
1 Year -1.9%
3 Year 25.1%
5 Year 10.6%
Since launch 18.7%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2022 2.3%
2021 33.7%
2020 13.6%
2019 8.8%
2018 0.5%
2017 26%
2016 3.9%
2015 4.3%
2014 50.8%
2013 10.2%
Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)
NameSinceTenure
Harish Bihani5 Nov 184.24 Yr.
Sharmila D’mello31 Jul 220.5 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 Jan 23

Equity Sector Allocation
SectorValue
Financial Services36.2%
Consumer Cyclical15.18%
Technology12%
Industrials7.34%
Communication Services6.62%
Consumer Defensive6.6%
Health Care6.55%
Energy4.41%
Basic Materials1.57%
Real Estate1.24%
Asset Allocation
Asset ClassValue
Cash2.3%
Equity97.7%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK
9%₹889 Cr10,691,157
↑ 371,662
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
6%₹571 Cr3,722,202
↓ -346,791
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
6%₹551 Cr6,316,605
↑ 100,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL
5%₹491 Cr6,374,762
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK
5%₹475 Cr2,961,891
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 29 Feb 20 | 540376
5%₹455 Cr1,299,527
↑ 260,962
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI
5%₹451 Cr507,132
↑ 120,000
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 21 | SBICARD
4%₹401 Cr5,546,983
↑ 446,435
Reliance Industries Ltd (Energy)
Equity, Since 31 May 20 | RELIANCE
4%₹350 Cr1,488,761
State Bank of India (Financial Services)
Equity, Since 31 Oct 18 | SBIN
3%₹286 Cr5,159,980

2. Canara Robeco Equity Tax Saver

(ELSS Scheme) Seeking to provide long term capital appreciation by predominantly investing in equities and to facilitate the subscribers to seek tax benefits as provided under Section 80 C of the Income Tax Act, 1961. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Equity Tax Saver is a Equity - ELSS fund was launched on 2 Feb 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.6% since its launch.  Ranked 36 in ELSS category.  Return for 2022 was -0.2% , 2021 was 35.1% and 2020 was 27.4% .

Below is the key information for Canara Robeco Equity Tax Saver

Canara Robeco Equity Tax Saver
Growth
Launch Date 2 Feb 09
NAV (17 Mar 23) ₹111.33 ↑ 0.64   (0.58 %)
Net Assets (Cr) ₹4,576 on 31 Jan 23
Category Equity - ELSS
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.11
Sharpe Ratio -0.4
Information Ratio 0.19
Alpha Ratio -4.27
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

Canara Robeco Equity Tax Saver SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710
Invest Now

Returns for Canara Robeco Equity Tax Saver

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Mar 23

DurationReturns
1 Month -4%
3 Month -6.1%
6 Month -5.3%
1 Year -1%
3 Year 24.8%
5 Year 14.1%
Since launch 18.6%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2022 -0.2%
2021 35.1%
2020 27.4%
2019 10.7%
2018 2.7%
2017 32%
2016 0%
2015 0.6%
2014 45.2%
2013 5.3%
Fund Manager information for Canara Robeco Equity Tax Saver
NameSinceTenure
Vishal Mishra26 Jun 211.6 Yr.
Shridatta Bhandwaldar1 Oct 193.34 Yr.

Data below for Canara Robeco Equity Tax Saver as on 31 Jan 23

Equity Sector Allocation
SectorValue
Financial Services32.33%
Consumer Cyclical12.53%
Industrials10.98%
Technology9.71%
Basic Materials9.71%
Consumer Defensive6.58%
Health Care5.2%
Energy4.97%
Communication Services2.21%
Utility1.69%
Real Estate1.42%
Asset Allocation
Asset ClassValue
Cash2.68%
Equity97.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 08 | HDFCBANK
8%₹350 Cr2,182,184
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK
7%₹324 Cr3,891,000
↓ -100,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 18 | INFY
6%₹266 Cr1,731,310
↓ -225,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 19 | RELIANCE
5%₹227 Cr966,000
↑ 212,500
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
4%₹199 Cr3,595,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 532215
4%₹166 Cr1,903,000
↓ -150,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Jun 20 | TCS
3%₹141 Cr418,712
↑ 95,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 20 | HDFC
3%₹116 Cr442,500
↑ 155,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Apr 21 | ULTRACEMCO
2%₹110 Cr155,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 21 | BHARTIARTL
2%₹101 Cr1,315,000
↑ 100,000

3. 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.)

BOI AXA Tax Advantage Fund is a Equity - ELSS fund was launched on 25 Feb 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.5% since its launch.  Ranked 13 in ELSS category.  Return for 2022 was -1.3% , 2021 was 41.5% and 2020 was 31.2% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (17 Mar 23) ₹96.01 ↑ 0.52   (0.54 %)
Net Assets (Cr) ₹679 on 31 Jan 23
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.54
Sharpe Ratio -0.26
Information Ratio 0.41
Alpha Ratio -2.12
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

BOI AXA Tax Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for BOI AXA Tax Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Mar 23

DurationReturns
1 Month -3.3%
3 Month -6.4%
6 Month -4.7%
1 Year -0.4%
3 Year 25.3%
5 Year 11.7%
Since launch 17.5%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2022 -1.3%
2021 41.5%
2020 31.2%
2019 14.6%
2018 -16.3%
2017 57.7%
2016 -1.2%
2015 2.1%
2014 44%
2013 9.1%
Fund Manager information for BOI AXA Tax Advantage Fund
NameSinceTenure
Alok Singh27 Apr 220.77 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Jan 23

Equity Sector Allocation
SectorValue
Financial Services36.86%
Industrials13.11%
Consumer Cyclical10.18%
Basic Materials9.53%
Consumer Defensive9.3%
Health Care6.25%
Energy4.05%
Technology3.52%
Utility3.17%
Real Estate2.1%
Communication Services0.73%
Asset Allocation
Asset ClassValue
Cash1.2%
Equity98.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
6%₹44 Cr529,340
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
6%₹43 Cr770,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
6%₹42 Cr265,000
Canara Bank (Financial Services)
Equity, Since 31 Aug 22 | 532483
4%₹27 Cr895,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
3%₹22 Cr1,260,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
3%₹21 Cr91,009
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | 532215
3%₹18 Cr204,000
ITC Ltd (Consumer Defensive)
Equity, Since 31 May 22 | ITC
2%₹17 Cr473,223
UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Apr 22 | ULTRACEMCO
2%₹16 Cr23,000
J.B. Chemicals & Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jan 20 | JBCHEPHARM
2%₹15 Cr74,000

4. 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 17.4% 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 (17 Mar 23) ₹97.596 ↑ 0.61   (0.62 %)
Net Assets (Cr) ₹4,033 on 31 Jan 23
Category Equity - ELSS
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.95
Sharpe Ratio -0.16
Information Ratio 0.69
Alpha Ratio -0.49
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

IDFC Tax Advantage (ELSS) Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
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 17 Mar 23

DurationReturns
1 Month -3.2%
3 Month -4.7%
6 Month -1.6%
1 Year 1.3%
3 Year 32.6%
5 Year 11.5%
Since launch 17.4%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Daylynn Pinto20 Oct 166.29 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services26.83%
Consumer Cyclical15.59%
Industrials12.6%
Technology9.99%
Basic Materials9.74%
Health Care6.34%
Consumer Defensive3.89%
Energy3.65%
Communication Services2.67%
Utility1.49%
Asset Allocation
Asset ClassValue
Cash7.21%
Equity92.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | ICICIBANK
8%₹316 Cr3,800,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY
5%₹207 Cr1,350,000
State Bank of India (Financial Services)
Equity, Since 30 Jun 20 | SBIN
5%₹194 Cr3,500,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK
4%₹168 Cr1,050,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE
4%₹147 Cr625,000
↑ 25,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 532215
3%₹122 Cr1,400,000
Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 May 20 | TATAMOTORS
3%₹118 Cr2,600,000
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Jul 20 | M&M
3%₹110 Cr800,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL
3%₹108 Cr1,400,000
Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 532286
2%₹93 Cr1,600,000
↓ -100,000

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।
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