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फिनकैश »ईएलएसएस बनाम एफडी

ELSS बनाम टैक्स सेविंग FD

Updated on May 15, 2025 , 7921 views

इक्विटी लिंक्ड सेविंग्स स्कीम (ईएलएसएस)

ईएलएसएस सिर्फ यहीम्यूचुअल फंड 80सी कटौती के लिए पात्र। यह एक डायवर्सिफाइड इक्विटी म्यूचुअल फंड है जो रुपये तक की टैक्स कटौती की पेशकश करता है। 1.5 लाख सालाना के तहतधारा 80सी काआयकर अधिनियम (आईटी अधिनियम 1961)।

ELSS

फरवरी 2018 के बजट की शुरुआत से पहले, इसके रिटर्न पूरी तरह से कर-मुक्त थे। हालांकि, अब यह 10% लंबी अवधि के अधीन हैराजधानी लाभ कर यदि आपकापूंजीगत लाभ रुपये से अधिक एक साल बाद 1 लाख। 10% कर कटौती के बाद भी, ELSS में अन्य कर-बचत साधनों की तुलना में बेहतर रिटर्न देने की क्षमता है। ईएलएसएस निवेश के लाभ सीमित नहीं हैंकरों बचाया।कंपाउंडिंग की शक्ति यह सुनिश्चित करता है कि यदि आप 5 वर्षों के लिए निवेश करते हैं तो आपका निवेश दोगुना हो जाता है (टैक्स-बचत का कार्यकालएफडी) इसे जोड़ने के लिए, न्यूनतम लॉक-इन अवधि केवल 3 वर्ष है।

टैक्स सेविंग फिक्स्ड डिपॉजिट

निवेश बैंकों के पास सावधि जमा में पैसा व्यक्तियों और एचयूएफ को कर का दावा करने की अनुमति देता हैकटौती रुपये तक 1,50,000 एक वित्तीय वर्ष में। इन जमाओं में 5 साल की लॉक-इन अवधि होती है। हालाँकि, आप इस जमा राशि को समय से पहले नहीं निकाल सकते। लेकिन आप अपनी FD पर प्रतिस्पर्धी दरों पर ऋण प्राप्त कर सकते हैं। हालांकि, इन जमाओं पर अर्जित ब्याज व्यक्ति की कर योग्य सीमांत दर (कर ब्रैकेट के अनुसार) है।

टैक्स सेवर FD की मुख्य विशेषताएं

Tax-saving-fd

आइए नजर डालते हैं इसके मुख्य आकर्षणों परकर बचाने वाला एफडी -

  • केवल व्यक्ति और के सदस्यहिन्दू अविभाजित परिवार (HUF) में निवेश कर सकते हैंटैक्स सेविंग FD योजना
  • टैक्स सेवर FD की न्यूनतम निवेश राशि अलग-अलग होती हैबैंक बैंक के लिए
  • टैक्स सेविंग FD की लॉक-इन अवधि पांच साल है
  • आप रुपये तक कर कटौती प्राप्त कर सकते हैं। 1,50,000
  • समय से पहले निकासी का कोई प्रावधान नहीं है
  • आप इन टैक्स सेवर FD पर लोन के लिए अप्लाई नहीं कर सकते हैं
  • इन टैक्स सेवर एफडी में निवेश किसी भी निजी या सार्वजनिक क्षेत्र के बैंक (सहकारी और ग्रामीण बैंकों को छोड़कर) में किया जा सकता है।
  • में किया गया निवेशडाक बंगला पांच साल से अधिक की अवधि के लिए सावधि जमा भी कर बचत FD के रूप में योग्य है
  • आप पोस्ट ऑफिस FD को एक पोस्ट ऑफिस से दूसरे पोस्ट ऑफिस में ट्रांसफर कर सकते हैं
  • इस प्रकार की FD से अर्जित ब्याज कर योग्य है और स्रोत से काट लिया जाएगा
  • टैक्स बचत जमा खाता व्यक्तिगत और संयुक्त रूप से भी खोला जा सकता है।
  • संयुक्त खाते के मामले में, संयुक्त खाते के पहले धारक को कर लाभ मिलेगा

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ईएलएसएस बनाम एफडी - तुलना

विभिन्न मानकों पर ईएलएसएस और टैक्स सेविंग एफडी के बीच अंतर का एक त्वरित अवलोकन यहां दिया गया है:

पैरामीटर एफडी ईएलएसएस
कार्यकाल 5 साल का लॉक-इन 3 साल का लॉक-इन
रिटर्न 7.00 - 8.00% (वार्षिक रूप से संयोजित) कोई सुनिश्चित लाभांश / इसके रूप में वापसी नहींमंडी आम तौर पर लगभग 16 - 17% प्रति वर्ष जुड़ा हुआ है
न्यूनतम। निवेश रु. 1000 रु. 500
मैक्स। निवेश कोई ऊपरी सीमा नहीं कोई ऊपरी सीमा नहीं
80c . के तहत कटौती के लिए पात्र राशि रु. 1.5 लाख रु. 1.5 लाख
ब्याज/वापसी के लिए कराधान ब्याज कर योग्य रुपये तक का लाभ 1 लाख कर मुक्त हैं। रुपये से अधिक के लाभ पर 10% की दर से कर लागू होता है। 1 लाख
सुरक्षा/रेटिंग सुरक्षित थोड़ा जोखिम भरा
लिक्विडिटी आप 5 साल से पहले टैक्स सेविंग FD नहीं निकाल सकते हैं आप 3 साल बाद ईएलएसएस से बाहर निकल सकते हैं या निकाल सकते हैं।
ऑनलाइन विकल्प सभी बैंक ऑनलाइन ऑफ़र नहीं करते हैंसुविधा FD खोलने के लिए एक ईएलएसएस ऑनलाइन शुरू कर सकते हैं - एकमुश्त या . के रूप मेंसिप

शीर्ष ईएलएसएस म्युचुअल फंड वित्त वर्ष 22 - 23

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Motilal Oswal Long Term Equity Fund Growth ₹50.6566
↑ 0.91
₹3,81715.90.514.929.929.247.7
Franklin India Taxshield Growth ₹1,474.49
↑ 2.27
₹6,3599.93.712.723.62922.4
L&T Tax Advantage Fund Growth ₹131.398
↑ 0.71
₹3,871122.311.923.625.333
JM Tax Gain Fund Growth ₹46.6981
↓ -0.06
₹1846.7-1.75.722.727.929
BOI AXA Tax Advantage Fund Growth ₹158.68
↑ 1.94
₹1,32012.2-2.2-0.122.126.921.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 May 25

* नीचे उन फंडों की सूची दी गई है जिनका एयूएम 100 - 15000 करोड़ के बीच है और फंड की आयु 3 वर्ष से अधिक है। 3 साल के प्रदर्शन के आधार पर।

1. Motilal Oswal Long Term Equity Fund

(Erstwhile Motilal Oswal MOSt Focused Long Term 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. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Long Term Equity Fund is a Equity - ELSS fund was launched on 21 Jan 15. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17% since its launch.  Return for 2024 was 47.7% , 2023 was 37% and 2022 was 1.8% .

Below is the key information for Motilal Oswal Long Term Equity Fund

Motilal Oswal Long Term Equity Fund
Growth
Launch Date 21 Jan 15
NAV (16 May 25) ₹50.6566 ↑ 0.91   (1.83 %)
Net Assets (Cr) ₹3,817 on 31 Mar 25
Category Equity - ELSS
AMC Motilal Oswal Asset Management Co. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 0.74
Sharpe Ratio 0.26
Information Ratio 0.83
Alpha Ratio 5.9
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹14,799
30 Apr 22₹16,837
30 Apr 23₹18,446
30 Apr 24₹29,496
30 Apr 25₹31,121

Motilal Oswal Long Term Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226
Invest Now

Returns for Motilal Oswal Long Term Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 11.2%
3 Month 15.9%
6 Month 0.5%
1 Year 14.9%
3 Year 29.9%
5 Year 29.2%
10 Year
15 Year
Since launch 17%
Historical performance (Yearly) on absolute basis
YearReturns
2024 47.7%
2023 37%
2022 1.8%
2021 32.1%
2020 8.8%
2019 13.2%
2018 -8.7%
2017 44%
2016 12.5%
2015
Fund Manager information for Motilal Oswal Long Term Equity Fund
NameSinceTenure
Ajay Khandelwal11 Dec 231.39 Yr.
Rakesh Shetty22 Nov 222.44 Yr.
Atul Mehra1 Oct 240.58 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials34.02%
Consumer Cyclical21.13%
Financial Services17.41%
Technology9.22%
Real Estate7.02%
Basic Materials6.25%
Health Care2.8%
Asset Allocation
Asset ClassValue
Cash2.14%
Equity97.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 543320
6%₹231 Cr9,923,692
Trent Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 500251
6%₹220 Cr425,260
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 23 | KAYNES
4%₹171 Cr297,751
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials)
Equity, Since 28 Feb 23 | FLUOROCHEM
4%₹163 Cr417,990
↑ 9,104
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Dec 23 | BDL
4%₹162 Cr1,056,315
↑ 63,547
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Mar 24 | AMBER
4%₹148 Cr240,350
↑ 5,306
Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | PRESTIGE
4%₹145 Cr1,055,205
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
4%₹144 Cr235,083
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | KALYANKJIL
4%₹139 Cr2,700,149
Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON
4%₹139 Cr24,702,337
↑ 633,524

2. Franklin India Taxshield

The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate

Franklin India Taxshield is a Equity - ELSS fund was launched on 10 Apr 99. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.1% since its launch.  Ranked 28 in ELSS category.  Return for 2024 was 22.4% , 2023 was 31.2% and 2022 was 5.4% .

Below is the key information for Franklin India Taxshield

Franklin India Taxshield
Growth
Launch Date 10 Apr 99
NAV (16 May 25) ₹1,474.49 ↑ 2.27   (0.15 %)
Net Assets (Cr) ₹6,359 on 31 Mar 25
Category Equity - ELSS
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderately High
Expense Ratio 1.83
Sharpe Ratio 0.19
Information Ratio 1.32
Alpha Ratio 2.32
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹15,866
30 Apr 22₹19,066
30 Apr 23₹20,432
30 Apr 24₹29,730
30 Apr 25₹32,440

Franklin India Taxshield SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226
Invest Now

Returns for Franklin India Taxshield

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 6.6%
3 Month 9.9%
6 Month 3.7%
1 Year 12.7%
3 Year 23.6%
5 Year 29%
10 Year
15 Year
Since launch 21.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 22.4%
2023 31.2%
2022 5.4%
2021 36.7%
2020 9.8%
2019 5.1%
2018 -3%
2017 29.1%
2016 4.7%
2015 4%
Fund Manager information for Franklin India Taxshield
NameSinceTenure
R. Janakiraman2 May 169 Yr.
Rajasa Kakulavarapu1 Dec 231.41 Yr.

Data below for Franklin India Taxshield as on 31 Mar 25

Equity Sector Allocation
SectorValue
Financial Services30.99%
Consumer Cyclical12.49%
Industrials10.42%
Technology9.55%
Health Care6.71%
Consumer Defensive5.38%
Communication Services5.3%
Utility4.91%
Basic Materials4.87%
Energy2.83%
Real Estate1.65%
Asset Allocation
Asset ClassValue
Cash4.17%
Equity95.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
10%₹613 Cr4,546,914
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK
9%₹596 Cr3,260,417
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL
5%₹310 Cr1,786,745
↓ -176,892
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT
5%₹309 Cr883,853
Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY
5%₹302 Cr1,922,741
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 532215
4%₹248 Cr2,252,948
HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH
4%₹233 Cr1,462,587
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Nov 17 | KOTAKBANK
3%₹183 Cr843,530
United Spirits Ltd (Consumer Defensive)
Equity, Since 31 Oct 18 | UNITDSPR
3%₹179 Cr1,276,457
Grasim Industries Ltd (Basic Materials)
Equity, Since 30 Jun 11 | GRASIM
3%₹179 Cr685,013

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 14.3% since its launch.  Ranked 7 in ELSS category.  Return for 2024 was 33% , 2023 was 28.4% and 2022 was -3% .

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

L&T Tax Advantage Fund
Growth
Launch Date 27 Feb 06
NAV (16 May 25) ₹131.398 ↑ 0.71   (0.55 %)
Net Assets (Cr) ₹3,871 on 31 Mar 25
Category Equity - ELSS
AMC L&T Investment Management Ltd
Rating
Risk Moderately High
Expense Ratio 1.89
Sharpe Ratio 0.38
Information Ratio 0.34
Alpha Ratio 6.76
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹14,985
30 Apr 22₹17,122
30 Apr 23₹17,906
30 Apr 24₹25,770
30 Apr 25₹27,746

L&T 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 ₹570,326.
Net Profit of ₹270,326
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 16 May 25

DurationReturns
1 Month 7%
3 Month 12%
6 Month 2.3%
1 Year 11.9%
3 Year 23.6%
5 Year 25.3%
10 Year
15 Year
Since launch 14.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 33%
2023 28.4%
2022 -3%
2021 30.3%
2020 13.5%
2019 4.6%
2018 -8.1%
2017 42.3%
2016 8.1%
2015 2.9%
Fund Manager information for L&T Tax Advantage Fund
NameSinceTenure
Gautam Bhupal26 Nov 222.43 Yr.
Sonal Gupta21 Jul 213.78 Yr.
Abhishek Gupta1 Mar 241.17 Yr.

Data below for L&T Tax Advantage Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Financial Services25.24%
Consumer Cyclical18.89%
Industrials17.71%
Technology10.69%
Basic Materials6.73%
Health Care5.91%
Energy4.25%
Consumer Defensive3.36%
Utility3.33%
Communication Services2.09%
Real Estate1.42%
Asset Allocation
Asset ClassValue
Cash0.38%
Equity99.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | HDFCBANK
5%₹213 Cr1,162,500
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 09 | ICICIBANK
4%₹156 Cr1,155,500
Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY
3%₹122 Cr774,900
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE
3%₹121 Cr951,812
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 22 | LT
3%₹105 Cr301,450
Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN
2%₹85 Cr1,291,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL
2%₹81 Cr467,000
State Bank of India (Financial Services)
Equity, Since 31 Jan 19 | SBIN
2%₹76 Cr984,432
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 21 | PERSISTENT
2%₹73 Cr133,000
Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 23 | 500251
2%₹69 Cr128,900

4. JM Tax Gain Fund

The investment objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities and to enable investors a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns.

JM Tax Gain Fund is a Equity - ELSS fund was launched on 31 Mar 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9.4% since its launch.  Ranked 18 in ELSS category.  Return for 2024 was 29% , 2023 was 30.9% and 2022 was 0.5% .

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund
Growth
Launch Date 31 Mar 08
NAV (16 May 25) ₹46.6981 ↓ -0.06   (-0.13 %)
Net Assets (Cr) ₹184 on 31 Mar 25
Category Equity - ELSS
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.4
Sharpe Ratio 0.26
Information Ratio 0.48
Alpha Ratio 4.69
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹15,781
30 Apr 22₹18,506
30 Apr 23₹19,683
30 Apr 24₹29,917
30 Apr 25₹30,876

JM Tax Gain Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181
Invest Now

Returns for JM Tax Gain Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 4.5%
3 Month 6.7%
6 Month -1.7%
1 Year 5.7%
3 Year 22.7%
5 Year 27.9%
10 Year
15 Year
Since launch 9.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 29%
2023 30.9%
2022 0.5%
2021 32.2%
2020 18.3%
2019 14.9%
2018 -4.6%
2017 42.6%
2016 5.2%
2015 -0.6%
Fund Manager information for JM Tax Gain Fund
NameSinceTenure
Satish Ramanathan1 Oct 240.58 Yr.
Asit Bhandarkar31 Dec 213.33 Yr.
Ruchi Fozdar4 Oct 240.57 Yr.
Deepak Gupta11 Apr 250.05 Yr.

Data below for JM Tax Gain Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Financial Services29%
Consumer Cyclical13.65%
Basic Materials13.62%
Industrials11.55%
Technology9.09%
Health Care8.2%
Consumer Defensive5.61%
Communication Services3.03%
Utility1.22%
Energy1.12%
Real Estate1.02%
Asset Allocation
Asset ClassValue
Cash2.89%
Equity97.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK
6%₹11 Cr77,975
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
5%₹10 Cr28,947
↑ 14,500
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK
5%₹9 Cr49,131
Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY
4%₹7 Cr45,965
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI
3%₹6 Cr4,706
State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN
3%₹6 Cr72,900
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL
3%₹6 Cr30,700
Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | 532977
3%₹5 Cr6,300
↓ -1,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC
3%₹5 Cr43,600
OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE
2%₹5 Cr28,195

5. 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 18.6% since its launch.  Ranked 13 in ELSS category.  Return for 2024 was 21.6% , 2023 was 34.8% and 2022 was -1.3% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (16 May 25) ₹158.68 ↑ 1.94   (1.24 %)
Net Assets (Cr) ₹1,320 on 31 Mar 25
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.37
Sharpe Ratio -0.21
Information Ratio 0.26
Alpha Ratio -5.05
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹16,084
30 Apr 22₹18,845
30 Apr 23₹20,112
30 Apr 24₹31,238
30 Apr 25₹29,521

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 16 May 25

DurationReturns
1 Month 6.9%
3 Month 12.2%
6 Month -2.2%
1 Year -0.1%
3 Year 22.1%
5 Year 26.9%
10 Year
15 Year
Since launch 18.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 21.6%
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%
Fund Manager information for BOI AXA Tax Advantage Fund
NameSinceTenure
Alok Singh27 Apr 223.01 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Financial Services26.06%
Basic Materials15.61%
Industrials15.18%
Technology11.98%
Utility6.77%
Consumer Cyclical5.09%
Consumer Defensive4.01%
Health Care3.65%
Real Estate2.62%
Communication Services1.98%
Energy1.31%
Asset Allocation
Asset ClassValue
Cash5.72%
Equity94.27%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
5%₹65 Cr1,412,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
5%₹65 Cr355,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
5%₹65 Cr839,000
Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE
4%₹53 Cr65,600
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
3%₹41 Cr305,000
↑ 20,000
Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 543349
3%₹39 Cr158,900
↓ -2,571
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
3%₹36 Cr86,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
3%₹34 Cr955,000
REC Ltd (Financial Services)
Equity, Since 30 Sep 23 | 532955
2%₹32 Cr741,000
↑ 121,000
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON
2%₹32 Cr24,000

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