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ELSS बनाम टैक्स सेविंग FD

Updated on October 10, 2025 , 8116 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 ₹52.5342
↑ 0.08
₹4,223-124.3-4.82625.547.7
JM Tax Gain Fund Growth ₹49.68
↑ 0.26
₹210217-3.32122.829
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹4859.715.116.920.810
Franklin India Taxshield Growth ₹1,481.52
↑ 6.50
₹6,537-1.112.4-119.123.322.4
BNP Paribas Long Term Equity Fund (ELSS) Growth ₹95.8331
↑ 0.47
₹8970.214-0.818.717.923.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryMotilal Oswal Long Term Equity FundJM Tax Gain FundIDBI Equity Advantage FundFranklin India TaxshieldBNP Paribas Long Term Equity Fund (ELSS)
Point 1Upper mid AUM (₹4,223 Cr).Bottom quartile AUM (₹210 Cr).Bottom quartile AUM (₹485 Cr).Highest AUM (₹6,537 Cr).Lower mid AUM (₹897 Cr).
Point 2Established history (10+ yrs).Established history (17+ yrs).Established history (12+ yrs).Oldest track record among peers (26 yrs).Established history (19+ yrs).
Point 3Not Rated.Top rated.Rating: 3★ (upper mid).Rating: 2★ (bottom quartile).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: 25.48% (top quartile).5Y return: 22.76% (lower mid).5Y return: 9.97% (bottom quartile).5Y return: 23.28% (upper mid).5Y return: 17.93% (bottom quartile).
Point 63Y return: 25.95% (top quartile).3Y return: 20.99% (upper mid).3Y return: 20.84% (lower mid).3Y return: 19.06% (bottom quartile).3Y return: 18.70% (bottom quartile).
Point 71Y return: -4.79% (bottom quartile).1Y return: -3.26% (bottom quartile).1Y return: 16.92% (top quartile).1Y return: -1.00% (lower mid).1Y return: -0.75% (upper mid).
Point 8Alpha: 7.18 (top quartile).Alpha: -3.68 (bottom quartile).Alpha: 1.78 (lower mid).Alpha: -1.19 (bottom quartile).Alpha: 1.95 (upper mid).
Point 9Sharpe: -0.26 (upper mid).Sharpe: -0.85 (bottom quartile).Sharpe: 1.21 (top quartile).Sharpe: -0.69 (bottom quartile).Sharpe: -0.47 (lower mid).
Point 10Information ratio: 0.80 (upper mid).Information ratio: 0.80 (lower mid).Information ratio: -1.13 (bottom quartile).Information ratio: 1.11 (top quartile).Information ratio: 0.48 (bottom quartile).

Motilal Oswal Long Term Equity Fund

  • Upper mid AUM (₹4,223 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 25.48% (top quartile).
  • 3Y return: 25.95% (top quartile).
  • 1Y return: -4.79% (bottom quartile).
  • Alpha: 7.18 (top quartile).
  • Sharpe: -0.26 (upper mid).
  • Information ratio: 0.80 (upper mid).

JM Tax Gain Fund

  • Bottom quartile AUM (₹210 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 22.76% (lower mid).
  • 3Y return: 20.99% (upper mid).
  • 1Y return: -3.26% (bottom quartile).
  • Alpha: -3.68 (bottom quartile).
  • Sharpe: -0.85 (bottom quartile).
  • Information ratio: 0.80 (lower mid).

IDBI Equity Advantage Fund

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

Franklin India Taxshield

  • Highest AUM (₹6,537 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.28% (upper mid).
  • 3Y return: 19.06% (bottom quartile).
  • 1Y return: -1.00% (lower mid).
  • Alpha: -1.19 (bottom quartile).
  • Sharpe: -0.69 (bottom quartile).
  • Information ratio: 1.11 (top quartile).

BNP Paribas Long Term Equity Fund (ELSS)

  • Lower mid AUM (₹897 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.93% (bottom quartile).
  • 3Y return: 18.70% (bottom quartile).
  • 1Y return: -0.75% (upper mid).
  • Alpha: 1.95 (upper mid).
  • Sharpe: -0.47 (lower mid).
  • Information ratio: 0.48 (bottom quartile).

* 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

  • Upper mid AUM (₹4,223 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 25.48% (top quartile).
  • 3Y return: 25.95% (top quartile).
  • 1Y return: -4.79% (bottom quartile).
  • Alpha: 7.18 (top quartile).
  • Sharpe: -0.26 (upper mid).
  • Information ratio: 0.80 (upper mid).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~98%).
  • Largest holding Eternal Ltd (~6.7%).

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 (10 Oct 25) ₹52.5342 ↑ 0.08   (0.16 %)
Net Assets (Cr) ₹4,223 on 31 Aug 25
Category Equity - ELSS
AMC Motilal Oswal Asset Management Co. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 1.65
Sharpe Ratio -0.26
Information Ratio 0.8
Alpha Ratio 7.18
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

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 ₹570,326.
Net Profit of ₹270,326
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 10 Oct 25

DurationReturns
1 Month 1.3%
3 Month -1%
6 Month 24.3%
1 Year -4.8%
3 Year 26%
5 Year 25.5%
10 Year
15 Year
Since launch 16.7%
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 231.73 Yr.
Rakesh Shetty22 Nov 222.78 Yr.
Atul Mehra1 Oct 240.92 Yr.

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

Equity Sector Allocation
SectorValue
Industrials31.75%
Financial Services18.72%
Consumer Cyclical18.07%
Technology13.51%
Basic Materials5.57%
Real Estate4.35%
Health Care3.36%
Communication Services1.59%
Consumer Defensive1.34%
Asset Allocation
Asset ClassValue
Cash1.75%
Equity98.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 543320
7%₹282 Cr8,970,581
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
5%₹192 Cr259,208
↑ 10,770
Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | PRESTIGE
4%₹184 Cr1,176,224
↓ -55,632
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 23 | KAYNES
4%₹177 Cr289,593
Waaree Energies Ltd (Technology)
Equity, Since 31 Oct 24 | 544277
4%₹176 Cr516,106
↑ 29,061
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Mar 24 | AMBER
4%₹175 Cr240,350
One97 Communications Ltd (Technology)
Equity, Since 30 Jun 25 | 543396
4%₹152 Cr1,256,967
↑ 285,421
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Dec 23 | BDL
3%₹147 Cr1,022,957
↓ -33,358
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials)
Equity, Since 28 Feb 23 | FLUOROCHEM
3%₹147 Cr430,073
Piramal Enterprises Ltd (Financial Services)
Equity, Since 31 Jul 24 | PEL
3%₹143 Cr1,279,233
↑ 110,849

2. 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.

Research Highlights for JM Tax Gain Fund

  • Bottom quartile AUM (₹210 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 22.76% (lower mid).
  • 3Y return: 20.99% (upper mid).
  • 1Y return: -3.26% (bottom quartile).
  • Alpha: -3.68 (bottom quartile).
  • Sharpe: -0.85 (bottom quartile).
  • Information ratio: 0.80 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding HDFC Bank Ltd (~4.5%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund
Growth
Launch Date 31 Mar 08
NAV (10 Oct 25) ₹49.68 ↑ 0.26   (0.52 %)
Net Assets (Cr) ₹210 on 31 Aug 25
Category Equity - ELSS
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.37
Sharpe Ratio -0.86
Information Ratio 0.8
Alpha Ratio -3.68
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

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 ₹530,691.
Net Profit of ₹230,691
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 10 Oct 25

DurationReturns
1 Month 1.4%
3 Month 2%
6 Month 17%
1 Year -3.3%
3 Year 21%
5 Year 22.8%
10 Year
15 Year
Since launch 9.6%
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 240.92 Yr.
Asit Bhandarkar31 Dec 213.67 Yr.
Ruchi Fozdar4 Oct 240.91 Yr.
Deepak Gupta11 Apr 250.39 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services27.82%
Consumer Cyclical14.26%
Technology13.8%
Industrials11.84%
Basic Materials10.96%
Health Care7.23%
Consumer Defensive4.02%
Energy3.46%
Communication Services2.77%
Real Estate1.52%
Utility0.91%
Asset Allocation
Asset ClassValue
Cash1.41%
Equity98.59%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK
4%₹9 Cr98,262
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK
4%₹8 Cr56,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
4%₹7 Cr20,647
↓ -8,300
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 25 | RELIANCE
3%₹7 Cr53,400
One97 Communications Ltd (Technology)
Equity, Since 31 May 25 | 543396
3%₹7 Cr55,500
Syrma SGS Technology Ltd (Technology)
Equity, Since 31 May 25 | SYRMA
3%₹6 Cr84,750
↑ 7,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC
3%₹6 Cr41,601
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL
3%₹6 Cr30,700
Shaily Engineering Plastics Ltd (Basic Materials)
Equity, Since 30 Jun 25 | 501423
3%₹6 Cr25,500
Godfrey Phillips India Ltd (Consumer Defensive)
Equity, Since 31 Mar 25 | GODFRYPHLP
3%₹5 Cr4,945

3. 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).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (lower mid).
  • 1Y return: 16.92% (top quartile).
  • Alpha: 1.78 (lower mid).
  • Sharpe: 1.21 (top quartile).
  • 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

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 10 Oct 25

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

4. Franklin India Taxshield

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

Research Highlights for Franklin India Taxshield

  • Highest AUM (₹6,537 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.28% (upper mid).
  • 3Y return: 19.06% (bottom quartile).
  • 1Y return: -1.00% (lower mid).
  • Alpha: -1.19 (bottom quartile).
  • Sharpe: -0.69 (bottom quartile).
  • Information ratio: 1.11 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding ICICI Bank Ltd (~9.7%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield
Growth
Launch Date 10 Apr 99
NAV (10 Oct 25) ₹1,481.52 ↑ 6.50   (0.44 %)
Net Assets (Cr) ₹6,537 on 31 Aug 25
Category Equity - ELSS
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderately High
Expense Ratio 1.81
Sharpe Ratio -0.69
Information Ratio 1.11
Alpha Ratio -1.19
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

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 ₹543,623.
Net Profit of ₹243,623
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 10 Oct 25

DurationReturns
1 Month 1%
3 Month -1.1%
6 Month 12.4%
1 Year -1%
3 Year 19.1%
5 Year 23.3%
10 Year
15 Year
Since launch 20.8%
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 169.34 Yr.
Rajasa Kakulavarapu1 Dec 231.75 Yr.

Data below for Franklin India Taxshield as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services30.2%
Consumer Cyclical12.11%
Industrials12.02%
Technology8.57%
Health Care7.02%
Basic Materials5.82%
Consumer Defensive5.38%
Communication Services5.22%
Utility4.91%
Energy3.06%
Real Estate1.78%
Asset Allocation
Asset ClassValue
Cash3.93%
Equity96.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
10%₹636 Cr4,546,914
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK
9%₹621 Cr6,520,834
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT
5%₹318 Cr883,853
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL
4%₹287 Cr1,517,753
Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY
4%₹283 Cr1,922,741
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | AXISBANK
4%₹235 Cr2,252,948
Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | 543320
4%₹235 Cr7,500,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH
3%₹213 Cr1,462,587
Reliance Industries Ltd (Energy)
Equity, Since 31 May 22 | RELIANCE
3%₹200 Cr1,472,922
Grasim Industries Ltd (Basic Materials)
Equity, Since 30 Jun 11 | GRASIM
3%₹190 Cr685,013

5. 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 (₹897 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.93% (bottom quartile).
  • 3Y return: 18.70% (bottom quartile).
  • 1Y return: -0.75% (upper mid).
  • Alpha: 1.95 (upper mid).
  • Sharpe: -0.47 (lower mid).
  • Information ratio: 0.48 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • Largest holding HDFC Bank Ltd (~7.0%).

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 (10 Oct 25) ₹95.8331 ↑ 0.47   (0.49 %)
Net Assets (Cr) ₹897 on 31 Aug 25
Category Equity - ELSS
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.21
Sharpe Ratio -0.47
Information Ratio 0.48
Alpha Ratio 1.95
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue

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 ₹470,047.
Net Profit of ₹170,047
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 10 Oct 25

DurationReturns
1 Month 0.5%
3 Month 0.2%
6 Month 14%
1 Year -0.8%
3 Year 18.7%
5 Year 17.9%
10 Year
15 Year
Since launch 12.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 23.6%
2023 31.3%
2022 -2.1%
2021 23.6%
2020 17.8%
2019 14.3%
2018 -9.3%
2017 42.3%
2016 -6.6%
2015 7.7%
Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)
NameSinceTenure
Sanjay Chawla14 Mar 223.47 Yr.
Pratish Krishnan14 Mar 223.47 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services29.26%
Consumer Cyclical15.13%
Industrials11.52%
Technology10.42%
Health Care8.05%
Basic Materials7.16%
Consumer Defensive5.23%
Energy3.87%
Utility3.11%
Communication Services3.05%
Asset Allocation
Asset ClassValue
Cash3.17%
Equity96.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
7%₹62 Cr656,320
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK
6%₹57 Cr411,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE
4%₹35 Cr255,800
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL
3%₹27 Cr144,966
Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY
3%₹25 Cr173,000
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 23 | 543320
3%₹25 Cr790,813
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 20 | LT
3%₹23 Cr62,520
↑ 13,500
State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN
2%₹22 Cr278,000
↑ 35,000
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 Jan 25 | RADICO
2%₹21 Cr73,000
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA
2%₹21 Cr10,866

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