6 ಅತ್ಯುತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತಿರುವ ತೆರಿಗೆ ಉಳಿತಾಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Updated on February 16, 2026 , 3894 views

ಮೂಲೆಯಲ್ಲಿ ತೆರಿಗೆ ಋತುವಿನೊಂದಿಗೆ, ಹೂಡಿಕೆ ಮಾಡುವ ಹೂಡಿಕೆದಾರರುELSS ಯಾವಾಗಲೂ ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತಿರುವ ನಿಧಿಗಳನ್ನು ನೋಡಿಮಾರುಕಟ್ಟೆ. ಅನೇಕ ಹೂಡಿಕೆದಾರರು ಅನೇಕ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಒಂದು ನಿಧಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡಲು ಕಷ್ಟವಾಗಿರುವುದರಿಂದ, ELSS ವಿಭಾಗದಲ್ಲಿ ಕೆಲವು ಉತ್ತಮ ಪ್ರದರ್ಶನಕಾರರನ್ನು ಸೂಚಿಸಲು ನಾವು ಇಲ್ಲಿದ್ದೇವೆ.

ಹೂಡಿಕೆದಾರರು ಈ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಮತ್ತು ಪ್ರತಿ ವರ್ಷ INR 1.5 ಲಕ್ಷದವರೆಗೆ ಉಳಿಸಬಹುದುವಿಭಾಗ 80 ಸಿ ನಆದಾಯ ತೆರಿಗೆ ಕಾಯಿದೆ 1961. ELSS ಯೋಜನೆಗಳು ಕನಿಷ್ಠ 3 ವರ್ಷಗಳ ಲಾಕ್-ಇನ್ ಅವಧಿಯನ್ನು ಹೊಂದಿರುತ್ತವೆ. ನಮ್ಮ ಶಿಫಾರಸು ಮಾಡಲಾದ ಉತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ತೆರಿಗೆ ಉಳಿತಾಯಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು AUM ನಂತಹ ಕೆಲವು ಪ್ರಮುಖ ನಿಯತಾಂಕಗಳನ್ನು ಕೈಗೊಳ್ಳುವ ಮೂಲಕ ಎಚ್ಚರಿಕೆಯಿಂದ ಶಾರ್ಟ್‌ಲಿಸ್ಟ್ ಮಾಡಲಾಗಿದೆ,ಅವು ಅಲ್ಲ, ಹಿಂದಿನ ಪ್ರದರ್ಶನಗಳು, ಇತ್ಯಾದಿ.

ಹೀಗಾಗಿ, ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ತೆರಿಗೆ ಉಳಿತಾಯವನ್ನು ಸುಲಭವಾಗಿ ಯೋಜಿಸಬಹುದುಹೂಡಿಕೆ ಈ ನಿಧಿಗಳಲ್ಲಿ.

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ಅತ್ಯುತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತಿರುವ ತೆರಿಗೆ ಉಳಿತಾಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Tata India Tax Savings Fund Growth	₹46.3289 ↑ 0.16	₹4,748	0.5	5.8	17.3	16.6	13.8	4.9
Bandhan Tax Advantage (ELSS) Fund Growth	₹157.482 ↑ 0.52	₹7,333	0.2	4.3	14.2	16	15.8	8
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
BOI AXA Tax Advantage Fund Growth	₹162.61 ↑ 0.61	₹1,402	0.1	3.8	15.6	17.9	15.5	-3.5
Kotak Tax Saver Fund Growth	₹118.155 ↑ 0.26	₹6,452	0.1	3	15	16.2	14.8	1.8
Sundaram Diversified Equity Fund Growth	₹226.913 ↑ 0.52	₹1,477	0.3	2.3	13.3	13.9	12.8	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Tata India Tax Savings Fund	Bandhan Tax Advantage (ELSS) Fund	HDFC Long Term Advantage Fund	BOI AXA Tax Advantage Fund	Kotak Tax Saver Fund	Sundaram Diversified Equity Fund
Point 1	Upper mid AUM (₹4,748 Cr).	Highest AUM (₹7,333 Cr).	Bottom quartile AUM (₹1,318 Cr).	Bottom quartile AUM (₹1,402 Cr).	Upper mid AUM (₹6,452 Cr).	Lower mid AUM (₹1,477 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.85% (bottom quartile).	5Y return: 15.84% (upper mid).	5Y return: 17.39% (top quartile).	5Y return: 15.49% (upper mid).	5Y return: 14.81% (lower mid).	5Y return: 12.82% (bottom quartile).
Point 6	3Y return: 16.65% (upper mid).	3Y return: 16.03% (bottom quartile).	3Y return: 20.64% (top quartile).	3Y return: 17.88% (upper mid).	3Y return: 16.15% (lower mid).	3Y return: 13.95% (bottom quartile).
Point 7	1Y return: 17.29% (upper mid).	1Y return: 14.19% (bottom quartile).	1Y return: 35.51% (top quartile).	1Y return: 15.64% (upper mid).	1Y return: 14.97% (lower mid).	1Y return: 13.32% (bottom quartile).
Point 8	Alpha: -2.63 (lower mid).	Alpha: 0.45 (upper mid).	Alpha: 1.75 (top quartile).	Alpha: -10.85 (bottom quartile).	Alpha: -5.73 (bottom quartile).	Alpha: -0.41 (upper mid).
Point 9	Sharpe: 0.00 (lower mid).	Sharpe: 0.21 (upper mid).	Sharpe: 2.27 (top quartile).	Sharpe: -0.36 (bottom quartile).	Sharpe: -0.19 (bottom quartile).	Sharpe: 0.14 (upper mid).
Point 10	Information ratio: -0.26 (lower mid).	Information ratio: -0.08 (upper mid).	Information ratio: -0.15 (upper mid).	Information ratio: 0.01 (top quartile).	Information ratio: -0.35 (bottom quartile).	Information ratio: -0.78 (bottom quartile).

Tata India Tax Savings Fund

Upper mid AUM (₹4,748 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.85% (bottom quartile).
3Y return: 16.65% (upper mid).
1Y return: 17.29% (upper mid).
Alpha: -2.63 (lower mid).
Sharpe: 0.00 (lower mid).
Information ratio: -0.26 (lower mid).

Bandhan Tax Advantage (ELSS) Fund

Highest AUM (₹7,333 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.84% (upper mid).
3Y return: 16.03% (bottom quartile).
1Y return: 14.19% (bottom quartile).
Alpha: 0.45 (upper mid).
Sharpe: 0.21 (upper mid).
Information ratio: -0.08 (upper mid).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (upper mid).

BOI AXA Tax Advantage Fund

Bottom quartile AUM (₹1,402 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.49% (upper mid).
3Y return: 17.88% (upper mid).
1Y return: 15.64% (upper mid).
Alpha: -10.85 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.01 (top quartile).

Kotak Tax Saver Fund

Upper mid AUM (₹6,452 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.81% (lower mid).
3Y return: 16.15% (lower mid).
1Y return: 14.97% (lower mid).
Alpha: -5.73 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: -0.35 (bottom quartile).

Sundaram Diversified Equity Fund

Lower mid AUM (₹1,477 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.82% (bottom quartile).
3Y return: 13.95% (bottom quartile).
1Y return: 13.32% (bottom quartile).
Alpha: -0.41 (upper mid).
Sharpe: 0.14 (upper mid).
Information ratio: -0.78 (bottom quartile).

*1000 ಕೋಟಿಯಿಂದ 10ರ ನಡುವಿನ ನಿವ್ವಳ ಆಸ್ತಿ ಹೊಂದಿರುವ ತೆರಿಗೆ ಉಳಿತಾಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಪಟ್ಟಿ,000 ಕೋಟಿ.

1. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Research Highlights for Tata India Tax Savings Fund

Upper mid AUM (₹4,748 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.85% (bottom quartile).
3Y return: 16.65% (upper mid).
1Y return: 17.29% (upper mid).
Alpha: -2.63 (lower mid).
Sharpe: 0.00 (lower mid).
Information ratio: -0.26 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.0%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (18 Feb 26)	₹46.3289 ↑ 0.16 (0.34 %)
Net Assets (Cr)	₹4,748 on 31 Dec 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0
Information Ratio	-0.26
Alpha Ratio	-2.63
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,254
31 Jan 23	₹13,541
31 Jan 24	₹17,383
31 Jan 25	₹19,512
31 Jan 26	₹20,900

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Tata India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	2.1%
3 Month	0.5%
6 Month	5.8%
1 Year	17.3%
3 Year	16.6%
5 Year	13.8%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.9%
2023	19.5%
2022	24%
2021	5.9%
2020	30.4%
2019	11.9%
2018	13.6%
2017	-8.4%
2016	46%
2015	2.1%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.13 Yr.

Data below for Tata India Tax Savings Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	34.01%
Industrials	13.51%
Consumer Cyclical	12.82%
Basic Materials	7.07%
Technology	6.29%
Energy	5.29%
Health Care	5.2%
Communication Services	4.89%
Utility	2.69%
Real Estate	1.99%
Consumer Defensive	1.05%

Asset Allocation

Asset Class	Value
Cash	5.2%
Equity	94.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹318 Cr	3,425,000 ↓ -25,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹285 Cr	2,100,000 ↓ -25,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Nov 21 \| 890157	5%	₹223 Cr	1,426,428 ↑ 1,330,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹220 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹188 Cr	1,350,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	3%	₹146 Cr	891,081 ↓ -175,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹138 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| NTPC	3%	₹123 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹115 Cr	10,200,000
City Union Bank Ltd (Financial Services) Equity, Since 31 Aug 21 \| CUB	2%	₹100 Cr	3,300,000

2. Bandhan Tax Advantage (ELSS) Fund

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities. There can be no assurance that the investment objective of the scheme will be realised.

Research Highlights for Bandhan Tax Advantage (ELSS) Fund

Highest AUM (₹7,333 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.84% (upper mid).
3Y return: 16.03% (bottom quartile).
1Y return: 14.19% (bottom quartile).
Alpha: 0.45 (upper mid).
Sharpe: 0.21 (upper mid).
Information ratio: -0.08 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.9%).

Below is the key information for Bandhan Tax Advantage (ELSS) Fund

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (18 Feb 26)	₹157.482 ↑ 0.52 (0.33 %)
Net Assets (Cr)	₹7,333 on 31 Dec 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	0.21
Information Ratio	-0.08
Alpha Ratio	0.45
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,912
31 Jan 23	₹15,110
31 Jan 24	₹20,293
31 Jan 25	₹21,565
31 Jan 26	₹23,272

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Bandhan Tax Advantage (ELSS) Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	1.4%
3 Month	0.2%
6 Month	4.3%
1 Year	14.2%
3 Year	16%
5 Year	15.8%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	13.1%
2022	28.3%
2021	4.2%
2020	49.2%
2019	18.7%
2018	1.9%
2017	-9.4%
2016	53.4%
2015	0.4%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.29 Yr.
Ritika Behera	7 Oct 23	2.32 Yr.
Gaurav Satra	10 Jun 24	1.65 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	33.66%
Technology	11.58%
Consumer Cyclical	10.12%
Consumer Defensive	8.24%
Basic Materials	8.23%
Energy	7.28%
Health Care	5.76%
Industrials	4.09%
Communication Services	3.12%
Utility	2.33%
Real Estate	2.01%

Asset Allocation

Asset Class	Value
Cash	3.58%
Equity	96.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹558 Cr	6,000,000 ↑ 100,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹460 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹366 Cr	2,700,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	5%	₹344 Cr	1,100,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹306 Cr	7,500,000 ↑ 500,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹209 Cr	1,275,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| AXISBANK	3%	₹206 Cr	1,500,000 ↓ -400,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹183 Cr	1,700,000 ↓ -600,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹158 Cr	801,000
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 18 \| JINDALSTEL	2%	₹153 Cr	1,350,000

3. 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

Bottom quartile AUM (₹1,318 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (upper mid).

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.

Date	Value
31 Jan 21	₹10,000

HDFC Long Term Advantage Fund SIP 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 18 Feb 26

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for HDFC Long Term Advantage Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. 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

Bottom quartile AUM (₹1,402 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.49% (upper mid).
3Y return: 17.88% (upper mid).
1Y return: 15.64% (upper mid).
Alpha: -10.85 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.01 (top quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~5.2%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (18 Feb 26)	₹162.61 ↑ 0.61 (0.38 %)
Net Assets (Cr)	₹1,402 on 31 Dec 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.36
Information Ratio	0.01
Alpha Ratio	-10.85
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,895
31 Jan 23	₹13,855
31 Jan 24	₹20,018
31 Jan 25	₹21,539
31 Jan 26	₹22,366

BOI AXA Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 18 Feb 26

Duration	Returns
1 Month	2.7%
3 Month	0.1%
6 Month	3.8%
1 Year	15.6%
3 Year	17.9%
5 Year	15.5%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Alok Singh	27 Apr 22	3.77 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	23.83%
Industrials	16.76%
Basic Materials	14.44%
Consumer Cyclical	7.15%
Technology	5.52%
Consumer Defensive	5.37%
Utility	5.15%
Communication Services	3.37%
Energy	2.29%
Health Care	1.77%
Real Estate	0.12%

Asset Allocation

Asset Class	Value
Cash	14.11%
Equity	85.77%
Debt	0.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	5%	₹72 Cr	664,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	4%	₹49 Cr	105,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	4%	₹48 Cr	355,000 ↓ -50,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| VEDL	3%	₹48 Cr	700,000 ↓ -712,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹46 Cr	235,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹42 Cr	221,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹41 Cr	437,532
Indian Bank (Financial Services) Equity, Since 31 Aug 23 \| INDIANB	3%	₹38 Cr	415,000 ↑ 15,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹36 Cr	1,120,000
Coromandel International Ltd (Basic Materials) Equity, Since 31 Jan 23 \| COROMANDEL	3%	₹36 Cr	157,000

5. Kotak Tax Saver Fund

The investment objective of the scheme is to generate longterm capital appreciation from a diversified portfolio of equity and equity related securities and enable investors to avail the income tax rebate, as permitted from time to time.

Research Highlights for Kotak Tax Saver Fund

Upper mid AUM (₹6,452 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.81% (lower mid).
3Y return: 16.15% (lower mid).
1Y return: 14.97% (lower mid).
Alpha: -5.73 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: -0.35 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~8.8%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (18 Feb 26)	₹118.155 ↑ 0.26 (0.22 %)
Net Assets (Cr)	₹6,452 on 31 Dec 25
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.19
Information Ratio	-0.35
Alpha Ratio	-5.73
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,386
31 Jan 23	₹13,841
31 Jan 24	₹17,810
31 Jan 25	₹20,206
31 Jan 26	₹21,402

Kotak Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Kotak Tax Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	1.5%
3 Month	0.1%
6 Month	3%
1 Year	15%
3 Year	16.2%
5 Year	14.8%
10 Year
15 Year
Since launch	13%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	1.8%
2023	21.8%
2022	23.6%
2021	6.9%
2020	33.2%
2019	14.9%
2018	12.7%
2017	-3.8%
2016	33.8%
2015	7.5%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	10.45 Yr.

Data below for Kotak Tax Saver Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	32.65%
Consumer Cyclical	12.23%
Technology	10.12%
Industrials	9.75%
Basic Materials	9.73%
Energy	6.67%
Health Care	4.9%
Consumer Defensive	4.87%
Communication Services	4.66%
Utility	3.9%

Asset Allocation

Asset Class	Value
Cash	0.53%
Equity	99.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	9%	₹558 Cr	6,000,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹339 Cr	3,150,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹312 Cr	2,300,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| TECHM	4%	₹235 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹232 Cr	1,180,000
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	4%	₹226 Cr	1,378,553
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| BRITANNIA	3%	₹167 Cr	285,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| NTPC	3%	₹166 Cr	4,670,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| HEROMOTOCO	3%	₹166 Cr	300,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| 543320	3%	₹164 Cr	6,000,000

6. Sundaram Diversified Equity Fund

To achieve capital appreciation by investing predominantly in equities and equity-related instruments. A three-year lock-in period shall apply in line with the regulation for ELSS schemes.

Research Highlights for Sundaram Diversified Equity Fund

Lower mid AUM (₹1,477 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.82% (bottom quartile).
3Y return: 13.95% (bottom quartile).
1Y return: 13.32% (bottom quartile).
Alpha: -0.41 (upper mid).
Sharpe: 0.14 (upper mid).
Information ratio: -0.78 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~7.7%).

Below is the key information for Sundaram Diversified Equity Fund

Sundaram Diversified Equity Fund Growth
Launch Date	22 Nov 99
NAV (18 Feb 26)	₹226.913 ↑ 0.52 (0.23 %)
Net Assets (Cr)	₹1,477 on 31 Dec 25
Category	Equity - ELSS
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	0.14
Information Ratio	-0.78
Alpha Ratio	-0.41
Min Investment	500
Min SIP Investment	250
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,317
31 Jan 23	₹13,685
31 Jan 24	₹16,943
31 Jan 25	₹18,573
31 Jan 26	₹19,902

Sundaram Diversified Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Sundaram Diversified 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 18 Feb 26

Duration	Returns
1 Month	0.9%
3 Month	0.3%
6 Month	2.3%
1 Year	13.3%
3 Year	13.9%
5 Year	12.8%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	12%
2022	23.3%
2021	4%
2020	31.5%
2019	9.9%
2018	6.2%
2017	-10.6%
2016	38.4%
2015	6.8%

Fund Manager information for Sundaram Diversified Equity Fund

Name	Since	Tenure
Rohit Seksaria	24 Feb 21	4.94 Yr.
Bharath Subramanian	2 Jun 25	0.67 Yr.

Data below for Sundaram Diversified Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	27.45%
Consumer Cyclical	11.61%
Industrials	9.96%
Technology	8.89%
Utility	8.57%
Basic Materials	7.7%
Energy	7.65%
Consumer Defensive	7.17%
Health Care	5.02%
Communication Services	4.4%
Real Estate	0.45%

Asset Allocation

Asset Class	Value
Cash	1.14%
Equity	98.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| HDFCBANK	8%	₹107 Cr	1,147,000 ↓ -74,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 12 \| RELIANCE	5%	₹76 Cr	545,000 ↓ -47,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| ICICIBANK	5%	₹72 Cr	529,000
Infosys Ltd (Technology) Equity, Since 30 Nov 16 \| INFY	5%	₹66 Cr	400,000
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| AXISBANK	5%	₹64 Cr	470,000 ↓ -50,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	4%	₹61 Cr	310,165
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	4%	₹57 Cr	530,000 ↓ -65,000
NTPC Ltd (Utilities) Equity, Since 31 Oct 24 \| NTPC	3%	₹43 Cr	1,215,766
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 18 \| LT	3%	₹41 Cr	103,000 ↓ -35,000
ITC Ltd (Consumer Defensive) Equity, Since 28 Feb 23 \| ITC	3%	₹39 Cr	1,210,000

ಇಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ ಸ್ಕೀಮ್‌ನಲ್ಲಿ ತೆರಿಗೆ ಉಳಿತಾಯ

ELSS ನೊಂದಿಗೆ ಮತ್ತು ಇಲ್ಲದೆ ತೆರಿಗೆ ಉಳಿತಾಯವನ್ನು ಹೋಲಿಸುವ ಮೂಲಕ ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳನ್ನು ಪರಿಶೀಲಿಸೋಣ:

ವಿವರಗಳು	ತೆರಿಗೆ ಯೋಜನೆ (ELSS)	ತೆರಿಗೆ ಯೋಜನೆ ಇಲ್ಲ
ಒಟ್ಟು ಒಟ್ಟುಆದಾಯ	8,00,000	8,00,000
ತೆರಿಗೆಯಿಂದ ವಿನಾಯಿತಿ	1,50,000	ಶೂನ್ಯ
ಒಟ್ಟುತೆರಿಗೆ ವಿಧಿಸಬಹುದಾದ ಆದಾಯ	6,50,000	8,00,000
ಪಾವತಿಸಬೇಕಾದ ತೆರಿಗೆ	32,500	62,500
ಉಳಿಸಿದ ಮೊತ್ತ	30,000	ಶೂನ್ಯ

ಆದ್ದರಿಂದ, ELSS ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಉಳಿಸಿದ ಒಟ್ಟು ಮೊತ್ತವು INR 30,000 ಆಗಿದೆ.

ತೆರಿಗೆ ಉಳಿಸುವ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರ ಪ್ರಯೋಜನಗಳು

ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳ ಜೊತೆಗೆ, ELSS ನಿಮಗೆ ಈ ಕೆಳಗಿನ ಅನುಕೂಲಗಳನ್ನು ಸಹ ನೀಡುತ್ತದೆ:

ಇಕ್ವಿಟಿ ರಿಟರ್ನ್ಸ್

ELSS ಇಕ್ವಿಟಿ ಮತ್ತು ತೆರಿಗೆ ಉಳಿತಾಯದ ಸಂಯೋಜನೆಯಾಗಿರುವುದರಿಂದ, ಷೇರು ಮಾರುಕಟ್ಟೆ ಬೆಳೆದಂತೆ ನೀವು ಹೂಡಿಕೆ ಮಾಡುವ ಹಣವು ಬೆಳೆಯುತ್ತದೆ. ಆದ್ದರಿಂದ, ಹೂಡಿಕೆದಾರರು ಈಕ್ವಿಟಿ ಮಾರುಕಟ್ಟೆಯಿಂದ ಆದಾಯವನ್ನು ಗಳಿಸಬಹುದು. ಆದ್ದರಿಂದ, ELSS ದೀರ್ಘಾವಧಿಯ ಸಂಪತ್ತು ಸೃಷ್ಟಿಗೆ ಒಂದು ಮಾರ್ಗವಾಗಿದೆ.

SIP ಪ್ರಯೋಜನಗಳು

ಒಂದು ದೊಡ್ಡ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡುವ ಬದಲು, ಹೂಡಿಕೆದಾರರು ಒಂದು ಮೂಲಕ ಮಾಸಿಕ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಸುಲಭವಾದ ಮಾರ್ಗವನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದುSIP. SIP ಯೊಂದಿಗೆ, ಒಬ್ಬರು INR 500 ರಷ್ಟು ಕಡಿಮೆ ಹೂಡಿಕೆ ಮಾಡಬಹುದು, ಇದು ಹೂಡಿಕೆದಾರರಿಗೆ ಅತ್ಯಂತ ಒಳ್ಳೆ ತೆರಿಗೆ ಯೋಜನೆ ಮತ್ತು ಹೂಡಿಕೆ ಮಾರ್ಗವಾಗಿದೆ.

ಕಡಿಮೆ ಲಾಕ್-ಇನ್ ಅವಧಿ

ELSS 3 ವರ್ಷಗಳ ಲಾಕ್-ಇನ್ ಅವಧಿಯನ್ನು ಹೊಂದಿದೆ, ಇದು ಎಲ್ಲಾ ಇತರ ತೆರಿಗೆ-ಉಳಿತಾಯ ಸಾಧನಗಳಲ್ಲಿ ಕಡಿಮೆ ಲಾಕ್-ಇನ್ ಅವಧಿಯಾಗಿದೆ.

ELSS ಫಂಡ್‌ಗಳಲ್ಲಿ ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

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Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.