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फिनकैश »म्यूचुअल फंड्स »बेस्ट टैक्स सेविंग

4 बेस्ट टैक्स सेविंग ईएलएसएस म्यूचुअल फंड FY 22 - 23

Updated on July 12, 2024 , 10200 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 (%)2023 (%)Since launch (%)
BOI AXA Tax Advantage Fund Growth ₹176.24
↑ 0.58
₹1,32713.425.959.62428.734.820.5
Canara Robeco Equity Tax Saver Growth ₹171.61
↑ 0.58
₹7,92612.116.634.817.821.323.720.2
Mirae Asset Tax Saver Fund Growth ₹47.125
↑ 0.18
₹22,62111.416.437.918.521.62719.9
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth ₹886.27
↑ 2.92
₹13,1119.81735.118.918.623.219.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Jul 24
*ऊपर की सूची हैबेस्ट एल्स म्युचुअल फंड ऊपर शुद्ध संपत्ति होना100 करोड़ लॉन्च / स्थापना के बाद से वार्षिक रिटर्न पर क्रमबद्ध।

1. 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 20.5% since its launch.  Ranked 13 in ELSS category.  Return for 2023 was 34.8% , 2022 was -1.3% and 2021 was 41.5% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (12 Jul 24) ₹176.24 ↑ 0.58   (0.33 %)
Net Assets (Cr) ₹1,327 on 31 May 24
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.49
Sharpe Ratio 2.92
Information Ratio 0.91
Alpha Ratio 10.21
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 19₹10,000
30 Jun 20₹10,045
30 Jun 21₹17,570
30 Jun 22₹16,756
30 Jun 23₹21,185
30 Jun 24₹33,488

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 ₹612,552.
Net Profit of ₹312,552
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 12 Jul 24

DurationReturns
1 Month 5.5%
3 Month 13.4%
6 Month 25.9%
1 Year 59.6%
3 Year 24%
5 Year 28.7%
Since launch 20.5%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 44%
Fund Manager information for BOI AXA Tax Advantage Fund
NameSinceTenure
Alok Singh27 Apr 222.1 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 May 24

Equity Sector Allocation
SectorValue
Financial Services27.42%
Industrials20.55%
Basic Materials15.94%
Consumer Cyclical11.14%
Energy5.82%
Technology5.29%
Utility4.42%
Health Care3.68%
Consumer Defensive3.57%
Real Estate2.04%
Asset Allocation
Asset ClassValue
Cash0.09%
Equity99.87%
Debt0.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
5%₹62 Cr752,000
↑ 57,000
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
4%₹54 Cr1,211,000
↑ 77,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
4%₹50 Cr99,900
↑ 13,900
Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | OIL
3%₹45 Cr702,000
Canara Bank (Financial Services)
Equity, Since 31 Aug 22 | 532483
3%₹41 Cr3,500,000
↓ -225,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
3%₹34 Cr955,000
↑ 35,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
3%₹34 Cr223,000
↓ -32,000
Bank of Baroda (Financial Services)
Equity, Since 31 Oct 22 | 532134
3%₹34 Cr1,286,338
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
2%₹33 Cr114,000
↓ -16,000
HEG Ltd (Industrials)
Equity, Since 31 Dec 22 | HEG
2%₹31 Cr135,000
↑ 5,000

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 20.2% since its launch.  Ranked 36 in ELSS category.  Return for 2023 was 23.7% , 2022 was -0.2% and 2021 was 35.1% .

Below is the key information for Canara Robeco Equity Tax Saver

Canara Robeco Equity Tax Saver
Growth
Launch Date 2 Feb 09
NAV (12 Jul 24) ₹171.61 ↑ 0.58   (0.34 %)
Net Assets (Cr) ₹7,926 on 31 May 24
Category Equity - ELSS
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.96
Sharpe Ratio 2.04
Information Ratio -0.6
Alpha Ratio -1.47
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 19₹10,000
30 Jun 20₹9,356
30 Jun 21₹15,446
30 Jun 22₹15,214
30 Jun 23₹18,723
30 Jun 24₹24,960

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 ₹518,033.
Net Profit of ₹218,033
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 12 Jul 24

DurationReturns
1 Month 4.8%
3 Month 12.1%
6 Month 16.6%
1 Year 34.8%
3 Year 17.8%
5 Year 21.3%
Since launch 20.2%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 23.7%
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%
Fund Manager information for Canara Robeco Equity Tax Saver
NameSinceTenure
Vishal Mishra26 Jun 212.93 Yr.
Shridatta Bhandwaldar1 Oct 194.67 Yr.

Data below for Canara Robeco Equity Tax Saver as on 31 May 24

Equity Sector Allocation
SectorValue
Financial Services28.01%
Industrials14.86%
Consumer Cyclical13.09%
Technology8.76%
Energy6.4%
Basic Materials6.06%
Consumer Defensive5.91%
Health Care4.94%
Communication Services3.23%
Utility2.79%
Real Estate1.25%
Asset Allocation
Asset ClassValue
Cash4.71%
Equity95.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 08 | HDFCBANK
7%₹519 Cr3,387,584
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK
6%₹451 Cr4,026,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 19 | RELIANCE
4%₹338 Cr1,181,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 18 | INFY
4%₹311 Cr2,211,310
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 20 | LT
3%₹244 Cr664,369
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
3%₹221 Cr6,150,988
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 21 | BHARTIARTL
3%₹211 Cr1,540,000
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
2%₹193 Cr2,320,000
↑ 100,000
REC Ltd (Financial Services)
Equity, Since 31 Aug 23 | 532955
2%₹192 Cr3,575,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Jun 20 | TCS
2%₹180 Cr490,073

3. Mirae Asset Tax Saver 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. The Scheme does not guarantee or assure any returns.

Mirae Asset Tax Saver Fund is a Equity - ELSS fund was launched on 28 Dec 15. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.9% since its launch.  Return for 2023 was 27% , 2022 was 0.1% and 2021 was 35.3% .

Below is the key information for Mirae Asset Tax Saver Fund

Mirae Asset Tax Saver Fund
Growth
Launch Date 28 Dec 15
NAV (12 Jul 24) ₹47.125 ↑ 0.18   (0.39 %)
Net Assets (Cr) ₹22,621 on 31 May 24
Category Equity - ELSS
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 1.19
Sharpe Ratio 1.99
Information Ratio -0.75
Alpha Ratio -2.63
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 19₹10,000
30 Jun 20₹9,272
30 Jun 21₹15,590
30 Jun 22₹15,485
30 Jun 23₹18,798
30 Jun 24₹25,533

Mirae Asset Tax Saver Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for Mirae Asset 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 12 Jul 24

DurationReturns
1 Month 5.5%
3 Month 11.4%
6 Month 16.4%
1 Year 37.9%
3 Year 18.5%
5 Year 21.6%
Since launch 19.9%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 27%
2022 0.1%
2021 35.3%
2020 21.5%
2019 14.1%
2018 -2.3%
2017 47.9%
2016 14.8%
2015
2014
Fund Manager information for Mirae Asset Tax Saver Fund
NameSinceTenure
Neelesh Surana28 Dec 158.43 Yr.

Data below for Mirae Asset Tax Saver Fund as on 31 May 24

Equity Sector Allocation
SectorValue
Financial Services31.72%
Consumer Cyclical13.16%
Industrials10.36%
Health Care9.89%
Technology9.82%
Basic Materials6.82%
Energy6.46%
Consumer Defensive4.28%
Communication Services2.4%
Utility2.33%
Real Estate1.14%
Asset Allocation
Asset ClassValue
Cash1.64%
Equity98.36%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK
8%₹1,845 Cr12,044,903
↓ -150,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK
5%₹1,052 Cr9,381,912
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 15 | RELIANCE
5%₹1,032 Cr3,605,981
State Bank of India (Financial Services)
Equity, Since 31 Dec 15 | SBIN
4%₹886 Cr10,673,799
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 18 | 532215
4%₹858 Cr7,386,566
↑ 360,000
Infosys Ltd (Technology)
Equity, Since 31 Dec 15 | INFY
4%₹815 Cr5,794,051
↑ 1,439,360
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | KOTAKBANK
4%₹804 Cr4,783,201
↓ -750,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 16 | LT
4%₹798 Cr2,175,832
ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | ITC
2%₹535 Cr12,556,388
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Dec 15 | TCS
2%₹432 Cr1,176,221

4. 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 19.7% since its launch.  Ranked 30 in ELSS category.  Return for 2023 was 23.2% , 2022 was 2.3% and 2021 was 33.7% .

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 (12 Jul 24) ₹886.27 ↑ 2.92   (0.33 %)
Net Assets (Cr) ₹13,111 on 31 May 24
Category Equity - ELSS
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.87
Sharpe Ratio 1.97
Information Ratio -0.47
Alpha Ratio -1.07
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 19₹10,000
30 Jun 20₹8,601
30 Jun 21₹13,477
30 Jun 22₹13,776
30 Jun 23₹16,798
30 Jun 24₹22,170

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 ₹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 12 Jul 24

DurationReturns
1 Month 5.5%
3 Month 9.8%
6 Month 17%
1 Year 35.1%
3 Year 18.9%
5 Year 18.6%
Since launch 19.7%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 50.8%
Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)
NameSinceTenure
Mittul Kalawadia18 Sep 230.7 Yr.
Sharmila D’mello31 Jul 221.84 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 May 24

Equity Sector Allocation
SectorValue
Financial Services31.2%
Consumer Cyclical13.59%
Health Care11.32%
Consumer Defensive8.83%
Industrials8.62%
Communication Services6.8%
Technology5.51%
Energy4.77%
Utility2.47%
Basic Materials1.94%
Real Estate1.44%
Asset Allocation
Asset ClassValue
Cash3.52%
Equity96.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK
8%₹1,072 Cr9,561,000
↓ -130,157
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK
6%₹730 Cr4,769,154
↑ 137,860
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI
5%₹699 Cr563,461
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 29 Feb 20 | 540376
5%₹663 Cr1,542,220
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL
5%₹659 Cr4,800,000
↓ -1,220,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
5%₹602 Cr5,181,545
↓ -326,940
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 17 | SUNPHARMA
4%₹530 Cr3,630,658
↑ 883,520
Reliance Industries Ltd (Energy)
Equity, Since 31 May 20 | RELIANCE
4%₹522 Cr1,825,000
↓ -63,317
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 18 | LT
4%₹483 Cr1,316,565
↑ 110,000
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
4%₹468 Cr3,330,000

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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