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अन्य टैक्स सेविंग निवेशों पर ईएलएसएस क्यों?

Updated on August 8, 2025 , 2405 views

ईएलएसएस फंड जिसे इक्विटी लिंक्ड सेविंग्स स्कीम के रूप में भी जाना जाता है, एक इक्विटी-डायवर्सिफाइड टैक्स सेविंग म्यूचुअल फंड है जो प्रमुख रूप से अपनी संपत्ति का निवेश करता हैइक्विटीज या शेयर बाजार जैसे इक्विटी से जुड़े उपकरण। ईएलएसएसम्यूचुअल फंड्स प्रस्तावमंडी-लिंक्ड रिटर्न, जो अस्थिर होते हैं और बाजार की स्थितियों पर निर्भर होते हैं। हालाँकि,वित्तीय सलाहकार सुझाव देनानिवेश लंबी अवधि के लिए ईएलएसएस फंड में, क्योंकि ये ईएलएसएस म्यूचुअल फंड लंबी अवधि के लिए निवेश करने पर सबसे अच्छा रिटर्न देते हैं। हाल की रिपोर्टों में, यह देखा गया कि ईएलएसएस फंडों ने 3 वर्षों के लिए निवेश करने पर लगभग 20% -30% रिटर्न उत्पन्न किया, जो कि अन्य म्यूचुअल फंड द्वारा उत्पन्न रिटर्न से बहुत अधिक है।

ELSS

ईएलएसएस और अन्य टैक्स सेविंग निवेश विकल्पों की तुलना

ईएलएसएस और अन्य कर बचत की तुलना कार्यकाल, रिटर्न, पात्रता जैसे मापदंडों पर आधारित हैकटौती अंतर्गत80सी, आदि।

चलो देखते हैं:

पैरामीटर पीपीएफ एनएससी एफडी ईएलएसएस
कार्यकाल पन्द्रह साल 6 साल 5 साल 3 वर्ष
रिटर्न 7.60% (वार्षिक रूप से संयोजित) 7.60% (वार्षिक रूप से संयोजित) 7.00 - 8.00% (वार्षिक रूप से संयोजित) कोई सुनिश्चित लाभांश / रिटर्न नहीं क्योंकि यह बाजार से जुड़ा हुआ है
न्यूनतम। निवेश रु. 500 रु. 100 रु. 1000 रु. 500
मैक्स। निवेश रु. 1.5 लाख कोई ऊपरी सीमा नहीं कोई ऊपरी सीमा नहीं कोई ऊपरी सीमा नहीं
80c . के तहत कटौती के लिए पात्र राशि रु. 1.5 लाख रु. 1.5 लाख रु. 1.5 लाख रु. 1.5 लाख
ब्याज/वापसी के लिए कराधान शुल्क माफ़ ब्याज कर योग्य ब्याज कर योग्य 1 लाख रुपये तक का लाभ कर मुक्त है। 1 लाख रुपये से अधिक के लाभ पर 10% की दर से कर लागू होता है
सुरक्षा/रेटिंग सुरक्षित सुरक्षित सुरक्षित जोखिम

2022 में निवेश करने के लिए शीर्ष 5 ईएलएसएस फंड

निवल संपत्ति/एयूएम वाले फंड की सूची नीचे दी गई है100 - 200 करोड़.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹4859.715.116.920.810
HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28
₹1,3181.215.435.520.617.4
JM Tax Gain Fund Growth ₹46.8444
↓ -0.39
₹20950.7-4.51922.829
BNP Paribas Long Term Equity Fund (ELSS) Growth ₹92.9304
↓ -0.86
₹9344.12.62.81718.423.6
BOI AXA Tax Advantage Fund Growth ₹153.77
↓ -2.15
₹1,4323.60.6-8.616.821.621.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

CommentaryIDBI Equity Advantage FundHDFC Long Term Advantage FundJM Tax Gain FundBNP Paribas Long Term Equity Fund (ELSS)BOI AXA Tax Advantage Fund
Point 1Bottom quartile AUM (₹485 Cr).Upper mid AUM (₹1,318 Cr).Bottom quartile AUM (₹209 Cr).Lower mid AUM (₹934 Cr).Highest AUM (₹1,432 Cr).
Point 2Established history (11+ yrs).Oldest track record among peers (24 yrs).Established history (17+ yrs).Established history (19+ yrs).Established history (16+ yrs).
Point 3Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 9.97% (bottom quartile).5Y return: 17.39% (bottom quartile).5Y return: 22.79% (top quartile).5Y return: 18.36% (lower mid).5Y return: 21.55% (upper mid).
Point 63Y return: 20.84% (top quartile).3Y return: 20.64% (upper mid).3Y return: 18.99% (lower mid).3Y return: 16.98% (bottom quartile).3Y return: 16.79% (bottom quartile).
Point 71Y return: 16.92% (upper mid).1Y return: 35.51% (top quartile).1Y return: -4.50% (bottom quartile).1Y return: 2.79% (lower mid).1Y return: -8.62% (bottom quartile).
Point 8Alpha: 1.78 (top quartile).Alpha: 1.75 (upper mid).Alpha: -3.63 (bottom quartile).Alpha: 0.50 (lower mid).Alpha: -9.32 (bottom quartile).
Point 9Sharpe: 1.21 (upper mid).Sharpe: 2.27 (top quartile).Sharpe: -0.24 (bottom quartile).Sharpe: 0.04 (lower mid).Sharpe: -0.47 (bottom quartile).
Point 10Information ratio: -1.13 (bottom quartile).Information ratio: -0.15 (bottom quartile).Information ratio: 0.65 (top quartile).Information ratio: 0.16 (lower mid).Information ratio: 0.31 (upper mid).

IDBI Equity Advantage Fund

  • Bottom quartile AUM (₹485 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (top quartile).
  • 1Y return: 16.92% (upper mid).
  • Alpha: 1.78 (top quartile).
  • Sharpe: 1.21 (upper mid).
  • Information ratio: -1.13 (bottom quartile).

HDFC Long Term Advantage Fund

  • Upper mid AUM (₹1,318 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.39% (bottom quartile).
  • 3Y return: 20.64% (upper mid).
  • 1Y return: 35.51% (top quartile).
  • Alpha: 1.75 (upper mid).
  • Sharpe: 2.27 (top quartile).
  • Information ratio: -0.15 (bottom quartile).

JM Tax Gain Fund

  • Bottom quartile AUM (₹209 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.79% (top quartile).
  • 3Y return: 18.99% (lower mid).
  • 1Y return: -4.50% (bottom quartile).
  • Alpha: -3.63 (bottom quartile).
  • Sharpe: -0.24 (bottom quartile).
  • Information ratio: 0.65 (top quartile).

BNP Paribas Long Term Equity Fund (ELSS)

  • Lower mid AUM (₹934 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.36% (lower mid).
  • 3Y return: 16.98% (bottom quartile).
  • 1Y return: 2.79% (lower mid).
  • Alpha: 0.50 (lower mid).
  • Sharpe: 0.04 (lower mid).
  • Information ratio: 0.16 (lower mid).

BOI AXA Tax Advantage Fund

  • Highest AUM (₹1,432 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 21.55% (upper mid).
  • 3Y return: 16.79% (bottom quartile).
  • 1Y return: -8.62% (bottom quartile).
  • Alpha: -9.32 (bottom quartile).
  • Sharpe: -0.47 (bottom quartile).
  • Information ratio: 0.31 (upper mid).

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1. 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 (11+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (top quartile).
  • 1Y return: 16.92% (upper mid).
  • Alpha: 1.78 (top quartile).
  • 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
31 Jul 20₹10,000
31 Jul 21₹14,338
31 Jul 22₹15,363

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 28 Jul 23

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

2. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

  • Upper mid AUM (₹1,318 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.39% (bottom quartile).
  • 3Y return: 20.64% (upper mid).
  • 1Y return: 35.51% (top quartile).
  • Alpha: 1.75 (upper mid).
  • Sharpe: 2.27 (top quartile).
  • Information ratio: -0.15 (bottom quartile).

Below is the key information for HDFC Long Term Advantage Fund

HDFC Long Term Advantage Fund
Growth
Launch Date 2 Jan 01
NAV (14 Jan 22) ₹595.168 ↑ 0.28   (0.05 %)
Net Assets (Cr) ₹1,318 on 30 Nov 21
Category Equity - ELSS
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.25
Sharpe Ratio 2.27
Information Ratio -0.15
Alpha Ratio 1.75
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹15,844

HDFC Long Term 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 ₹470,047.
Net Profit of ₹170,047
Invest Now

Purchase not allowed

Returns for HDFC Long Term 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 28 Jul 23

DurationReturns
1 Month 4.4%
3 Month 1.2%
6 Month 15.4%
1 Year 35.5%
3 Year 20.6%
5 Year 17.4%
10 Year
15 Year
Since launch 21.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for HDFC Long Term Advantage Fund
NameSinceTenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

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

3. 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 (₹209 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.79% (top quartile).
  • 3Y return: 18.99% (lower mid).
  • 1Y return: -4.50% (bottom quartile).
  • Alpha: -3.63 (bottom quartile).
  • Sharpe: -0.24 (bottom quartile).
  • Information ratio: 0.65 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • Largest holding Larsen & Toubro Ltd (~5.1%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund
Growth
Launch Date 31 Mar 08
NAV (08 Aug 25) ₹46.8444 ↓ -0.39   (-0.83 %)
Net Assets (Cr) ₹209 on 30 Jun 25
Category Equity - ELSS
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.4
Sharpe Ratio -0.24
Information Ratio 0.65
Alpha Ratio -3.63
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹15,719
31 Jul 22₹16,599
31 Jul 23₹20,210
31 Jul 24₹30,763
31 Jul 25₹28,977

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 28 Jul 23

DurationReturns
1 Month -3.9%
3 Month 5%
6 Month 0.7%
1 Year -4.5%
3 Year 19%
5 Year 22.8%
10 Year
15 Year
Since launch 9.3%
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 240.83 Yr.
Asit Bhandarkar31 Dec 213.58 Yr.
Ruchi Fozdar4 Oct 240.82 Yr.
Deepak Gupta11 Apr 250.31 Yr.

Data below for JM Tax Gain Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services28.61%
Consumer Cyclical14.12%
Technology13.58%
Industrials11.08%
Basic Materials10.4%
Health Care8.22%
Energy3.84%
Communication Services2.95%
Consumer Defensive2.13%
Real Estate1.11%
Utility1.01%
Asset Allocation
Asset ClassValue
Cash2.95%
Equity97.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
5%₹11 Cr28,947
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | 532174
5%₹10 Cr70,000
↓ -7,975
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK
5%₹10 Cr49,131
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 25 | RELIANCE
4%₹8 Cr53,400
↑ 53,400
OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE
3%₹6 Cr28,195
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL
3%₹6 Cr30,700
Syrma SGS Technology Ltd (Technology)
Equity, Since 31 May 25 | SYRMA
3%₹6 Cr101,000
↑ 61,000
360 One Wam Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Apr 25 | 360ONE
3%₹6 Cr46,500
↑ 6,500
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI
3%₹5 Cr4,306
↓ -400
Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY
3%₹5 Cr32,965

4. 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 (₹934 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.36% (lower mid).
  • 3Y return: 16.98% (bottom quartile).
  • 1Y return: 2.79% (lower mid).
  • Alpha: 0.50 (lower mid).
  • Sharpe: 0.04 (lower mid).
  • Information ratio: 0.16 (lower mid).
  • 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 (08 Aug 25) ₹92.9304 ↓ -0.86   (-0.92 %)
Net Assets (Cr) ₹934 on 30 Jun 25
Category Equity - ELSS
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.29
Sharpe Ratio 0.04
Information Ratio 0.16
Alpha Ratio 0.5
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹14,244
31 Jul 22₹14,455
31 Jul 23₹16,629
31 Jul 24₹23,652
31 Jul 25₹23,925

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 ₹481,656.
Net Profit of ₹181,656
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 28 Jul 23

DurationReturns
1 Month -3%
3 Month 4.1%
6 Month 2.6%
1 Year 2.8%
3 Year 17%
5 Year 18.4%
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 223.38 Yr.
Pratish Krishnan14 Mar 223.38 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services30.69%
Industrials12.5%
Consumer Cyclical12.03%
Technology9.57%
Health Care7.99%
Basic Materials6.91%
Consumer Defensive6.39%
Energy4.57%
Communication Services3.28%
Utility3.05%
Asset Allocation
Asset ClassValue
Cash3.03%
Equity96.97%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
7%₹66 Cr328,160
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | 532174
6%₹59 Cr411,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE
5%₹43 Cr284,200
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL
3%₹31 Cr152,566
Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY
3%₹28 Cr173,000
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA
3%₹24 Cr12,066
↓ -1,500
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 23 | 543320
2%₹21 Cr790,813
PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 May 24 | PNBHOUSING
2%₹21 Cr187,500
↑ 24,500
PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 543390
2%₹21 Cr113,300
State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN
2%₹20 Cr243,000

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

  • Highest AUM (₹1,432 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 21.55% (upper mid).
  • 3Y return: 16.79% (bottom quartile).
  • 1Y return: -8.62% (bottom quartile).
  • Alpha: -9.32 (bottom quartile).
  • Sharpe: -0.47 (bottom quartile).
  • Information ratio: 0.31 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Vedanta Ltd (~4.5%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (08 Aug 25) ₹153.77 ↓ -2.15   (-1.38 %)
Net Assets (Cr) ₹1,432 on 30 Jun 25
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.37
Sharpe Ratio -0.47
Information Ratio 0.31
Alpha Ratio -9.32
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹16,968
31 Jul 22₹16,845
31 Jul 23₹20,589
31 Jul 24₹31,712
31 Jul 25₹28,469

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 ₹518,033.
Net Profit of ₹218,033
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 28 Jul 23

DurationReturns
1 Month -5.2%
3 Month 3.6%
6 Month 0.6%
1 Year -8.6%
3 Year 16.8%
5 Year 21.6%
10 Year
15 Year
Since launch 18.1%
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 223.26 Yr.

Data below for BOI AXA Tax Advantage Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services24.17%
Industrials19.3%
Basic Materials15.95%
Utility8.02%
Technology8.02%
Consumer Defensive6.1%
Consumer Cyclical5.59%
Real Estate2.89%
Health Care2.62%
Communication Services2.61%
Energy1.42%
Asset Allocation
Asset ClassValue
Cash3.29%
Equity96.7%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
5%₹65 Cr1,412,000
Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE
4%₹63 Cr328,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
4%₹54 Cr664,000
↓ -175,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
4%₹51 Cr105,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
3%₹44 Cr218,766
↓ -66,234
Coromandel International Ltd (Basic Materials)
Equity, Since 31 Jan 23 | 506395
3%₹39 Cr157,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 24 | BHARTIARTL
3%₹37 Cr186,000
Acutaas Chemicals Ltd (Basic Materials)
Equity, Since 31 May 24 | 543349
3%₹36 Cr317,800
Prudent Corporate Advisory Services Ltd (Financial Services)
Equity, Since 31 Oct 23 | 543527
3%₹36 Cr132,407
Ambuja Cements Ltd (Basic Materials)
Equity, Since 31 Mar 25 | 500425
2%₹34 Cr586,000

ELSS अन्य टैक्स सेविंग इन्वेस्टमेंट से कैसे बेहतर है?

विभिन्न हैंटैक्स सेविंग निवेश भारत में विकल्प जिनमें से ईएलएसएस सबसे अच्छे विकल्पों में से एक है। कैसे? यहाँ कुछ कारणों का उल्लेख किया गया है।

लंबी अवधि में उच्च रिटर्न

ईएलएसएस फंड अन्य कर बचत निवेशों के बीच शेयर बाजार में सबसे अधिक संपत्ति आवंटित करते हैं। तो, ये फंड सबसे अच्छी कमाई करते हैंमुद्रास्फीति-बीटिंग रिटर्न सभी के बीच। यदि लंबी अवधि के लिए निवेश किया जाता है, तो ईएलएसएस के रिटर्न की दर अन्य पारंपरिक ऋण-उन्मुख निवेशों के रिटर्न को आसानी से हरा सकती है। इसलिए, ईएलएसएस म्यूचुअल फंड निवेशकों को दोनों दुनिया के सर्वश्रेष्ठ- उच्च रिटर्न और कर लाभ प्रदान करते हैं।

सबसे छोटी लॉक-इन अवधि

पारंपरिक कर बचत निवेश विकल्पों की तुलना में ईएलएसएस म्यूचुअल फंड की लॉक-इन अवधि कम होती है। ईएलएसएस फंड की लॉक-इन अवधि 3 वर्ष है जबकि पीपीएफ की 15 वर्ष औरएनपीएस तब तक हैनिवृत्ति. इसलिए, ईएलएसएस में निवेश करने से आपका पैसा लंबी अवधि के लिए लॉक नहीं होता है और आप लॉक-इन समाप्त होने के तुरंत बाद निवेश करना बंद कर सकते हैं।

अत्यधिक लचीला निवेश

ईएलएसएस म्यूचुअल फंड का लचीलापन अन्य सभी कर बचत निवेशों की तुलना में बहुत अधिक है। पारंपरिक निवेशों के विपरीत, केवल एक प्रकार के विकल्प में निवेश करने की आवश्यकता नहीं है। ईएलएसएस फंड आपको विभिन्न प्रकार के निवेशों के साथ अपने पोर्टफोलियो में विविधता लाने में सक्षम बनाता है। साथ ही, लॉक-इन अवधि समाप्त होने के बाद भी निवेशक इन फंडों में निवेशित रह सकते हैं। इसलिए, एक बार लॉक-इन समाप्त हो जाने के बाद, आप आसानी से निवेशित रहना या अपनी सुविधा के अनुसार रिडीम करना चुन सकते हैं।

निष्कर्ष

अंत में, ईएलएसएस फंड में निवेश करने वाले निवेशकों के लिए यहां कुछ सुझाव दिए गए हैं।

  • ईएलएसएस में जल्दी निवेश शुरू करें
  • अपनी सीमा के भीतर निवेश करें
  • लाभांश पुनर्निवेश का चयन न करें
  • धीरे-धीरे और धीरे-धीरे रिडीम करें
  • के माध्यम से निवेश करेंसिप
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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