SOLUTIONS
EXPLORE FUNDS
CALCULATORS
fincash number+91-22-48913909Dashboard

ELSS बनाम टैक्स सेविंग FD

Updated on March 25, 2026 , 8288 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

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

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 ₹47.1108
↓ -0.58
₹4,175-7.5-8.12.821.816.6-9.1
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹4859.715.116.920.810
BNP Paribas Long Term Equity Fund (ELSS) Growth ₹89.2496
↓ -1.77
₹906-10.2-4.31.217.4124.8
Baroda Pioneer ELSS 96 Growth ₹68.6676
↑ 0.33
₹210-6.1-3.517.616.711.6
BOI AXA Tax Advantage Fund Growth ₹149.84
↓ -2.51
₹1,384-6.2-4.2-0.416.614.2-3.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Mar 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryMotilal Oswal Long Term Equity FundIDBI Equity Advantage FundBNP Paribas Long Term Equity Fund (ELSS)Baroda Pioneer ELSS 96BOI AXA Tax Advantage Fund
Point 1Highest AUM (₹4,175 Cr).Bottom quartile AUM (₹485 Cr).Lower mid AUM (₹906 Cr).Bottom quartile AUM (₹210 Cr).Upper mid AUM (₹1,384 Cr).
Point 2Established history (11+ yrs).Established history (12+ yrs).Oldest track record among peers (20 yrs).Established history (11+ yrs).Established history (17+ yrs).
Point 3Not Rated.Top rated.Rating: 3★ (upper mid).Not Rated.Rating: 3★ (lower mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 16.57% (top quartile).5Y return: 9.97% (bottom quartile).5Y return: 12.05% (lower mid).5Y return: 11.62% (bottom quartile).5Y return: 14.22% (upper mid).
Point 63Y return: 21.77% (top quartile).3Y return: 20.84% (upper mid).3Y return: 17.43% (lower mid).3Y return: 16.70% (bottom quartile).3Y return: 16.59% (bottom quartile).
Point 71Y return: 2.81% (lower mid).1Y return: 16.92% (upper mid).1Y return: 1.18% (bottom quartile).1Y return: 17.56% (top quartile).1Y return: -0.39% (bottom quartile).
Point 8Alpha: -3.97 (bottom quartile).Alpha: 1.78 (upper mid).Alpha: 1.53 (lower mid).Alpha: 5.69 (top quartile).Alpha: 0.34 (bottom quartile).
Point 9Sharpe: 0.64 (bottom quartile).Sharpe: 1.21 (upper mid).Sharpe: 1.13 (lower mid).Sharpe: 2.51 (top quartile).Sharpe: 0.92 (bottom quartile).
Point 10Information ratio: 0.36 (upper mid).Information ratio: -1.13 (bottom quartile).Information ratio: 0.41 (top quartile).Information ratio: -0.09 (bottom quartile).Information ratio: 0.10 (lower mid).

Motilal Oswal Long Term Equity Fund

  • Highest AUM (₹4,175 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 16.57% (top quartile).
  • 3Y return: 21.77% (top quartile).
  • 1Y return: 2.81% (lower mid).
  • Alpha: -3.97 (bottom quartile).
  • Sharpe: 0.64 (bottom quartile).
  • Information ratio: 0.36 (upper mid).

IDBI Equity Advantage Fund

  • Bottom quartile AUM (₹485 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (upper mid).
  • 1Y return: 16.92% (upper mid).
  • Alpha: 1.78 (upper mid).
  • Sharpe: 1.21 (upper mid).
  • Information ratio: -1.13 (bottom quartile).

BNP Paribas Long Term Equity Fund (ELSS)

  • Lower mid AUM (₹906 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 12.05% (lower mid).
  • 3Y return: 17.43% (lower mid).
  • 1Y return: 1.18% (bottom quartile).
  • Alpha: 1.53 (lower mid).
  • Sharpe: 1.13 (lower mid).
  • Information ratio: 0.41 (top quartile).

Baroda Pioneer ELSS 96

  • Bottom quartile AUM (₹210 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 11.62% (bottom quartile).
  • 3Y return: 16.70% (bottom quartile).
  • 1Y return: 17.56% (top quartile).
  • Alpha: 5.69 (top quartile).
  • Sharpe: 2.51 (top quartile).
  • Information ratio: -0.09 (bottom quartile).

BOI AXA Tax Advantage Fund

  • Upper mid AUM (₹1,384 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.22% (upper mid).
  • 3Y return: 16.59% (bottom quartile).
  • 1Y return: -0.39% (bottom quartile).
  • Alpha: 0.34 (bottom quartile).
  • Sharpe: 0.92 (bottom quartile).
  • Information ratio: 0.10 (lower mid).

* 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.

Research Highlights for Motilal Oswal Long Term Equity Fund

  • Highest AUM (₹4,175 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 16.57% (top quartile).
  • 3Y return: 21.77% (top quartile).
  • 1Y return: 2.81% (lower mid).
  • Alpha: -3.97 (bottom quartile).
  • Sharpe: 0.64 (bottom quartile).
  • Information ratio: 0.36 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Multi Commodity Exchange of India Ltd (~7.6%).

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 (27 Mar 26) ₹47.1108 ↓ -0.58   (-1.22 %)
Net Assets (Cr) ₹4,175 on 28 Feb 26
Category Equity - ELSS
AMC Motilal Oswal Asset Management Co. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 1.65
Sharpe Ratio 0.64
Information Ratio 0.36
Alpha Ratio -3.97
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 21₹10,000
28 Feb 22₹11,557
28 Feb 23₹12,203
29 Feb 24₹18,441
28 Feb 25₹18,888
28 Feb 26₹22,113

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 ₹458,689.
Net Profit of ₹158,689
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 27 Mar 26

DurationReturns
1 Month -2.6%
3 Month -7.5%
6 Month -8.1%
1 Year 2.8%
3 Year 21.8%
5 Year 16.6%
10 Year
15 Year
Since launch 14.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 -9.1%
2023 47.7%
2022 37%
2021 1.8%
2020 32.1%
2019 8.8%
2018 13.2%
2017 -8.7%
2016 44%
2015 12.5%
Fund Manager information for Motilal Oswal Long Term Equity Fund
NameSinceTenure
Ajay Khandelwal11 Dec 232.22 Yr.
Rakesh Shetty22 Nov 223.27 Yr.
Atul Mehra1 Oct 241.41 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 28 Feb 26

Equity Sector Allocation
SectorValue
Financial Services30.43%
Industrials23.89%
Consumer Cyclical17.17%
Basic Materials10.09%
Technology9.8%
Real Estate3.41%
Health Care2.99%
Consumer Defensive1.24%
Asset Allocation
Asset ClassValue
Cash0.97%
Equity99.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
8%₹317 Cr1,296,040
Piramal Finance Ltd (Financial Services)
Equity, Since 30 Sep 25 | PIRAMALFIN
6%₹264 Cr1,518,583
↑ 116,662
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Mar 24 | AMBER
5%₹207 Cr259,006
Apar Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | APARINDS
5%₹206 Cr184,366
↓ -10,000
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 543320
5%₹197 Cr8,000,000
PTC Industries Ltd (Industrials)
Equity, Since 30 Sep 24 | 539006
5%₹192 Cr107,189
↑ 4,558
Jain Resource Recycling Ltd (Basic Materials)
Equity, Since 31 Oct 25 | JAINREC
4%₹188 Cr4,743,065
↑ 872,201
Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Jun 25 | MUTHOOTFIN
4%₹183 Cr546,874
Billionbrains Garage Ventures Ltd (Financial Services)
Equity, Since 30 Nov 25 | GROWW
4%₹179 Cr10,941,411
Waaree Energies Ltd (Technology)
Equity, Since 31 Oct 24 | 544277
4%₹158 Cr583,979

2. IDBI Equity Advantage Fund

The Scheme will seek to invest predominantly in a diversified portfolio of equity and equity related instruments with the objective to provide investors with opportunities for capital appreciation and income along with the benefit of income-tax deduction(under section 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to be eligible for income-tax benefits under Section 80C. There can be no assurance that the investment objective under the scheme will be realized.

Research Highlights for IDBI Equity Advantage Fund

  • Bottom quartile AUM (₹485 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (upper mid).
  • 1Y return: 16.92% (upper mid).
  • Alpha: 1.78 (upper mid).
  • Sharpe: 1.21 (upper mid).
  • Information ratio: -1.13 (bottom quartile).

Below is the key information for IDBI Equity Advantage Fund

IDBI Equity Advantage Fund
Growth
Launch Date 10 Sep 13
NAV (28 Jul 23) ₹43.39 ↑ 0.04   (0.09 %)
Net Assets (Cr) ₹485 on 30 Jun 23
Category Equity - ELSS
AMC IDBI Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.39
Sharpe Ratio 1.21
Information Ratio -1.13
Alpha Ratio 1.78
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 21₹10,000
28 Feb 22₹11,657
28 Feb 23₹11,985

IDBI Equity 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 ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for IDBI Equity 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 27 Mar 26

DurationReturns
1 Month 3.1%
3 Month 9.7%
6 Month 15.1%
1 Year 16.9%
3 Year 20.8%
5 Year 10%
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Equity Advantage Fund
NameSinceTenure

Data below for IDBI Equity Advantage Fund as on 30 Jun 23

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. BNP Paribas Long Term Equity Fund (ELSS)

The investment objective of the Scheme is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent fromtime to time. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for BNP Paribas Long Term Equity Fund (ELSS)

  • Lower mid AUM (₹906 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 12.05% (lower mid).
  • 3Y return: 17.43% (lower mid).
  • 1Y return: 1.18% (bottom quartile).
  • Alpha: 1.53 (lower mid).
  • Sharpe: 1.13 (lower mid).
  • Information ratio: 0.41 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~6.4%).

Below is the key information for BNP Paribas Long Term Equity Fund (ELSS)

BNP Paribas Long Term Equity Fund (ELSS)
Growth
Launch Date 5 Jan 06
NAV (27 Mar 26) ₹89.2496 ↓ -1.77   (-1.94 %)
Net Assets (Cr) ₹906 on 28 Feb 26
Category Equity - ELSS
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.21
Sharpe Ratio 1.13
Information Ratio 0.41
Alpha Ratio 1.53
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 21₹10,000
28 Feb 22₹11,318
28 Feb 23₹11,129
29 Feb 24₹15,576
28 Feb 25₹16,103
28 Feb 26₹19,084

BNP Paribas Long Term Equity Fund (ELSS) SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for BNP Paribas Long Term Equity Fund (ELSS)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 26

DurationReturns
1 Month -7.7%
3 Month -10.2%
6 Month -4.3%
1 Year 1.2%
3 Year 17.4%
5 Year 12%
10 Year
15 Year
Since launch 11.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 4.8%
2023 23.6%
2022 31.3%
2021 -2.1%
2020 23.6%
2019 17.8%
2018 14.3%
2017 -9.3%
2016 42.3%
2015 -6.6%
Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)
NameSinceTenure
Sanjay Chawla14 Mar 223.96 Yr.
Pratish Krishnan14 Mar 223.96 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 28 Feb 26

Equity Sector Allocation
SectorValue
Financial Services31.95%
Consumer Cyclical15.57%
Industrials12.89%
Technology10.38%
Basic Materials8.28%
Health Care5.08%
Consumer Defensive4.13%
Energy3.93%
Communication Services3.01%
Utility1.33%
Asset Allocation
Asset ClassValue
Cash3.43%
Equity96.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
6%₹58 Cr656,320
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK
5%₹45 Cr329,900
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE
4%₹36 Cr255,800
State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN
4%₹33 Cr278,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL
3%₹27 Cr144,966
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA
3%₹25 Cr9,766
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 20 | LT
3%₹24 Cr56,220
↓ -6,300
TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | TVSMOTOR
3%₹23 Cr60,500
Cummins India Ltd (Industrials)
Equity, Since 28 Feb 25 | CUMMINSIND
2%₹22 Cr45,502
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Nov 24 | BHEL
2%₹22 Cr821,380

4. Baroda Pioneer ELSS 96

The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Research Highlights for Baroda Pioneer ELSS 96

  • Bottom quartile AUM (₹210 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 11.62% (bottom quartile).
  • 3Y return: 16.70% (bottom quartile).
  • 1Y return: 17.56% (top quartile).
  • Alpha: 5.69 (top quartile).
  • Sharpe: 2.51 (top quartile).
  • Information ratio: -0.09 (bottom quartile).

Below is the key information for Baroda Pioneer ELSS 96

Baroda Pioneer ELSS 96
Growth
Launch Date 2 Mar 15
NAV (11 Mar 22) ₹68.6676 ↑ 0.33   (0.48 %)
Net Assets (Cr) ₹210 on 31 Jan 22
Category Equity - ELSS
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating Not Rated
Risk Moderately High
Expense Ratio 2.55
Sharpe Ratio 2.51
Information Ratio -0.09
Alpha Ratio 5.69
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 21₹10,000
28 Feb 22₹12,210

Baroda Pioneer ELSS 96 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 Baroda Pioneer ELSS 96

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 26

DurationReturns
1 Month -3.9%
3 Month -6.1%
6 Month -3.5%
1 Year 17.6%
3 Year 16.7%
5 Year 11.6%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Baroda Pioneer ELSS 96
NameSinceTenure

Data below for Baroda Pioneer ELSS 96 as on 31 Jan 22

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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.)

Research Highlights for BOI AXA Tax Advantage Fund

  • Upper mid AUM (₹1,384 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.22% (upper mid).
  • 3Y return: 16.59% (bottom quartile).
  • 1Y return: -0.39% (bottom quartile).
  • Alpha: 0.34 (bottom quartile).
  • Sharpe: 0.92 (bottom quartile).
  • Information ratio: 0.10 (lower mid).
  • Top sector: Financial Services.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Equity-heavy allocation (~80%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding State Bank of India (~4.1%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (27 Mar 26) ₹149.84 ↓ -2.51   (-1.65 %)
Net Assets (Cr) ₹1,384 on 28 Feb 26
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.09
Sharpe Ratio 0.92
Information Ratio 0.1
Alpha Ratio 0.34
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 21₹10,000
28 Feb 22₹12,206
28 Feb 23₹12,558
29 Feb 24₹19,130
28 Feb 25₹17,525
28 Feb 26₹20,796

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 ₹436,710.
Net Profit of ₹136,710
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 27 Mar 26

DurationReturns
1 Month -6.4%
3 Month -6.2%
6 Month -4.2%
1 Year -0.4%
3 Year 16.6%
5 Year 14.2%
10 Year
15 Year
Since launch 17.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 -3.5%
2023 21.6%
2022 34.8%
2021 -1.3%
2020 41.5%
2019 31.2%
2018 14.6%
2017 -16.3%
2016 57.7%
2015 -1.2%
Fund Manager information for BOI AXA Tax Advantage Fund
NameSinceTenure
Alok Singh27 Apr 223.84 Yr.

Data below for BOI AXA Tax Advantage Fund as on 28 Feb 26

Equity Sector Allocation
SectorValue
Financial Services22.16%
Industrials16.61%
Basic Materials10.05%
Consumer Cyclical7.27%
Consumer Defensive7.16%
Utility5.51%
Technology3.94%
Communication Services3.19%
Energy2.27%
Health Care1.86%
Real Estate0.11%
Asset Allocation
Asset ClassValue
Cash18.39%
Equity80.13%
Debt1.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
4%₹56 Cr470,000
↓ -194,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
3%₹46 Cr335,000
↓ -20,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
3%₹45 Cr510,000
↑ 72,468
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 24 | BHARTIARTL
3%₹44 Cr235,000
ITC Ltd (Consumer Defensive)
Equity, Since 30 Jun 25 | ITC
3%₹42 Cr1,340,000
↑ 220,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
3%₹41 Cr105,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | NTPC
3%₹36 Cr955,000
Coromandel International Ltd (Basic Materials)
Equity, Since 31 Jan 23 | COROMANDEL
3%₹35 Cr157,000
HEG Ltd (Industrials)
Equity, Since 31 Dec 22 | HEG
2%₹34 Cr580,000
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 30 Apr 25 | ADANIPORTS
2%₹33 Cr214,000

क्या आपको ईएलएसएस या टैक्स सेविंग एफडी में निवेश करना चाहिए?

नए निवेश उपक्रमों में आने से पहले लोग बहुत सी बातों पर विचार करते हैं। आयु, निवेश क्षितिज औरजोखिम उठाने का माद्दा कुछ महत्वपूर्ण कारक हैं। जो लोग धन वृद्धि और कर लाभ के दोहरे लाभ चाहते हैं वे ईएलएसएस पसंद करते हैं। उदाहरण के लिए, लंबे निवेश क्षितिज और उच्च जोखिम क्षमता वाले नए निवेशक ईएलएसएस को एक समझदार विकल्प मानते हैं। पास के लोगनिवृत्ति टैक्स सेविंग FD में निवेश कर सकते हैं क्योंकि इनमें कम जोखिम और लंबी अवधि (कम से कम 5 साल या उससे अधिक) पर रिटर्न की गारंटी होती है।

ईएलएसएस ऑनलाइन में निवेश कैसे करें?

  1. Fincash.com पर आजीवन मुफ्त निवेश खाता खोलें।

  2. अपना पंजीकरण और केवाईसी प्रक्रिया पूरी करें

  3. Upload Documents (PAN, Aadhaar, etc.). और, आप निवेश करने के लिए तैयार हैं!

    शुरू हो जाओ

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।
How helpful was this page ?
Rated 5, based on 4 reviews.
POST A COMMENT