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फिनकैश »म्यूचुअल फंड्स »बेस्ट टैक्स सेविंग

4 बेस्ट टैक्स सेविंग ईएलएसएस म्यूचुअल फंड FY 22 - 23

Updated on March 1, 2024 , 9913 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 ₹149.5
↑ 2.16
₹1,09016.529.452.924.22634.819.7
Canara Robeco Equity Tax Saver Growth ₹150.47
↑ 1.52
₹7,1559.416.131.916.619.723.719.6
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth ₹792.52
↑ 7.48
₹12,5869.716.835.117.817.523.219.5
Mirae Asset Tax Saver Fund Growth ₹41.397
↑ 0.51
₹20,95010.715.335.317.6202718.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Mar 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 19.7% 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 (01 Mar 24) ₹149.5 ↑ 2.16   (1.47 %)
Net Assets (Cr) ₹1,090 on 31 Jan 24
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.49
Sharpe Ratio 2.25
Information Ratio 0.67
Alpha Ratio 6.21
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹12,243
28 Feb 21₹16,531
28 Feb 22₹20,178
28 Feb 23₹20,760
29 Feb 24₹31,625

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 ₹584,107.
Net Profit of ₹284,107
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 1 Mar 24

DurationReturns
1 Month 5%
3 Month 16.5%
6 Month 29.4%
1 Year 52.9%
3 Year 24.2%
5 Year 26%
Since launch 19.7%
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 221.77 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services39.37%
Industrials10.63%
Consumer Cyclical9.9%
Basic Materials7.88%
Health Care6.87%
Technology6.1%
Utility5.26%
Energy4.66%
Consumer Defensive3.33%
Real Estate2.71%
Asset Allocation
Asset ClassValue
Cash3.29%
Equity96.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
6%₹58 Cr340,000
↑ 136,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
5%₹50 Cr780,000
Power Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 23 | PFC
5%₹48 Cr1,252,000
↓ -135,500
Canara Bank (Financial Services)
Equity, Since 31 Aug 22 | CANBK
4%₹39 Cr895,000
Bank of Baroda (Financial Services)
Equity, Since 31 Oct 22 | BANKBARODA
4%₹38 Cr1,650,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | NTPC
4%₹38 Cr1,208,000
↓ -52,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
3%₹34 Cr130,000
↑ 38,991
Union Bank of India (Financial Services)
Equity, Since 31 Dec 22 | 532477
3%₹32 Cr2,725,875
REC Ltd (Financial Services)
Equity, Since 30 Sep 23 | RECLTD
3%₹29 Cr700,000
↓ -120,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 22 | LT
3%₹28 Cr78,000

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 19.6% 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 (01 Mar 24) ₹150.47 ↑ 1.52   (1.02 %)
Net Assets (Cr) ₹7,155 on 31 Jan 24
Category Equity - ELSS
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.96
Sharpe Ratio 1.8
Information Ratio -0.82
Alpha Ratio -0.43
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹11,523
28 Feb 21₹15,498
28 Feb 22₹18,423
28 Feb 23₹18,646
29 Feb 24₹24,600

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 ₹493,520.
Net Profit of ₹193,520
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 1 Mar 24

DurationReturns
1 Month 1.9%
3 Month 9.4%
6 Month 16.1%
1 Year 31.9%
3 Year 16.6%
5 Year 19.7%
Since launch 19.6%
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 212.6 Yr.
Shridatta Bhandwaldar1 Oct 194.34 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services30.68%
Consumer Cyclical13.08%
Industrials11.49%
Technology10.64%
Consumer Defensive7.34%
Basic Materials6.39%
Health Care6.37%
Energy4.05%
Communication Services2.91%
Utility2.73%
Real Estate1.12%
Asset Allocation
Asset ClassValue
Cash3.21%
Equity96.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 08 | HDFCBANK
8%₹562 Cr3,287,584
↑ 100,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK
6%₹401 Cr4,026,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 18 | INFY
5%₹341 Cr2,211,310
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 19 | RELIANCE
4%₹285 Cr1,101,000
↑ 115,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | NTPC
3%₹192 Cr6,175,000
↓ -500,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Jun 20 | TCS
3%₹186 Cr490,073
↓ -6,139
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 20 | LT
3%₹181 Cr514,369
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 May 19 | BAJFINANCE
2%₹174 Cr237,950
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 21 | BHARTIARTL
2%₹155 Cr1,500,000
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | ITC
2%₹152 Cr3,300,000
↑ 700,000

3. 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 19.5% 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 (01 Mar 24) ₹792.52 ↑ 7.48   (0.95 %)
Net Assets (Cr) ₹12,586 on 31 Jan 24
Category Equity - ELSS
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.87
Sharpe Ratio 1.84
Information Ratio -0.41
Alpha Ratio -0.07
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,374
28 Feb 21₹13,698
28 Feb 22₹16,276
28 Feb 23₹16,581
29 Feb 24₹22,403

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 ₹470,047.
Net Profit of ₹170,047
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 1 Mar 24

DurationReturns
1 Month 2.7%
3 Month 9.7%
6 Month 16.8%
1 Year 35.1%
3 Year 17.8%
5 Year 17.5%
Since launch 19.5%
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 230.37 Yr.
Sharmila D’mello31 Jul 221.51 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services31.9%
Consumer Cyclical13.51%
Health Care10.21%
Industrials8.29%
Consumer Defensive8.11%
Communication Services7.63%
Technology7.32%
Energy5.83%
Utility2.04%
Basic Materials1.97%
Real Estate1.56%
Asset Allocation
Asset ClassValue
Cash1.61%
Equity98.39%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK
8%₹966 Cr9,691,157
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK
6%₹714 Cr4,176,390
↓ -190,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL
5%₹679 Cr6,575,729
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | AXISBANK
5%₹636 Cr5,766,605
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 29 Feb 20 | DMART
5%₹634 Cr1,552,220
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI
5%₹580 Cr563,461
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
4%₹551 Cr3,572,202
Reliance Industries Ltd (Energy)
Equity, Since 31 May 20 | RELIANCE
4%₹533 Cr2,062,445
↑ 573,684
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 18 | LT
3%₹425 Cr1,206,565
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 21 | SBICARD
3%₹404 Cr5,317,761

4. 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 18.8% 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 (01 Mar 24) ₹41.397 ↑ 0.51   (1.24 %)
Net Assets (Cr) ₹20,950 on 31 Jan 24
Category Equity - ELSS
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 1.19
Sharpe Ratio 1.91
Information Ratio -0.43
Alpha Ratio -0.01
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,968
28 Feb 21₹15,315
28 Feb 22₹18,028
28 Feb 23₹18,428
29 Feb 24₹24,935

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 ₹505,644.
Net Profit of ₹205,644
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 1 Mar 24

DurationReturns
1 Month 1.1%
3 Month 10.7%
6 Month 15.3%
1 Year 35.3%
3 Year 17.6%
5 Year 20%
Since launch 18.8%
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 158.1 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services34.16%
Consumer Cyclical13.54%
Industrials10.16%
Basic Materials9.99%
Technology9.08%
Health Care6.4%
Utility4.84%
Energy4.12%
Consumer Defensive2.74%
Communication Services2.04%
Real Estate1.27%
Asset Allocation
Asset ClassValue
Cash1.66%
Equity98.34%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK
10%₹1,965 Cr11,494,903
↓ -85,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK
6%₹1,134 Cr11,378,912
↓ -1,190,000
State Bank of India (Financial Services)
Equity, Since 31 Dec 15 | SBIN
5%₹946 Cr14,733,799
↓ -875,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 15 | RELIANCE
4%₹777 Cr3,005,604
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 16 | LT
3%₹700 Cr1,985,832
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | KOTAKBANK
3%₹634 Cr3,323,201
↑ 915,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 18 | AXISBANK
3%₹624 Cr5,661,566
Infosys Ltd (Technology)
Equity, Since 31 Dec 15 | INFY
3%₹606 Cr3,929,691
↓ -465,000
NTPC Ltd (Utilities)
Equity, Since 31 Jan 22 | NTPC
3%₹580 Cr18,626,689
↓ -2,425,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | 532281
3%₹567 Cr3,870,629

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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