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ಫಿನ್ಕಾಶ್ »ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು »ತೆರಿಗೆ ಸೇವರ್

ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆಗಳ ಮೇಲೆ ELSS ಏಕೆ

Updated on July 1, 2025 , 2350 views

ELSS ಇಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ಸ್ ಸ್ಕೀಮ್ ಎಂದೂ ಕರೆಯಲ್ಪಡುವ ನಿಧಿಗಳು ಇಕ್ವಿಟಿ-ವೈವಿಧ್ಯೀಕೃತ ತೆರಿಗೆ ಉಳಿತಾಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಆಗಿದ್ದು ಅದು ತನ್ನ ಸ್ವತ್ತುಗಳನ್ನು ಮುಖ್ಯವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆಈಕ್ವಿಟಿಗಳು ಅಥವಾ ಷೇರು ಮಾರುಕಟ್ಟೆಗಳಂತಹ ಈಕ್ವಿಟಿ-ಸಂಯೋಜಿತ ಉಪಕರಣಗಳು. ELSSಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ನೀಡುತ್ತವೆಮಾರುಕಟ್ಟೆ-ಲಿಂಕ್ಡ್ ರಿಟರ್ನ್ಸ್, ಇದು ಬಾಷ್ಪಶೀಲ ಮತ್ತು ಮಾರುಕಟ್ಟೆ ಪರಿಸ್ಥಿತಿಗಳ ಮೇಲೆ ಅವಲಂಬಿತವಾಗಿದೆ. ಆದಾಗ್ಯೂ,ಆರ್ಥಿಕ ಸಲಹೆಗಾರರು ಸೂಚಿಸುತ್ತದೆಹೂಡಿಕೆ ದೀರ್ಘಾವಧಿಯವರೆಗೆ ELSS ಫಂಡ್‌ಗಳಲ್ಲಿ, ಈ ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸುತ್ತವೆ. ಇತ್ತೀಚಿನ ವರದಿಗಳಲ್ಲಿ, ELSS ಫಂಡ್‌ಗಳು 3 ವರ್ಷಗಳವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ಸುಮಾರು 20%-30% ಆದಾಯವನ್ನು ಗಳಿಸಿವೆ ಎಂದು ಕಂಡುಬಂದಿದೆ, ಇದು ಇತರ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಿಂದ ಉತ್ಪತ್ತಿಯಾಗುವ ಆದಾಯಕ್ಕಿಂತ ಹೆಚ್ಚು.

ELSS

ELSS ಮತ್ತು ಇತರೆ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆ ಆಯ್ಕೆಗಳ ಹೋಲಿಕೆ

ELSS ಮತ್ತು ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯದ ಹೋಲಿಕೆಯು ಅಧಿಕಾರಾವಧಿ, ಆದಾಯ, ಅರ್ಹತೆಗಳಂತಹ ನಿಯತಾಂಕಗಳನ್ನು ಆಧರಿಸಿದೆಕಡಿತಗೊಳಿಸುವಿಕೆ ಅಡಿಯಲ್ಲಿ80c, ಇತ್ಯಾದಿ

ನೋಡೋಣ:

ಪ್ಯಾರಾಮೀಟರ್ PPF NSC FD ELSS
ಅಧಿಕಾರಾವಧಿ 15 ವರ್ಷಗಳು 6 ವರ್ಷಗಳು 5 ವರ್ಷಗಳು 3 ವರ್ಷಗಳು
ಹಿಂತಿರುಗಿಸುತ್ತದೆ 7.60 % (ವಾರ್ಷಿಕವಾಗಿ ಸಂಯೋಜಿತ) 7.60 % (ವಾರ್ಷಿಕವಾಗಿ ಸಂಯೋಜಿತ) 7.00 - 8.00 % (ವಾರ್ಷಿಕವಾಗಿ ಸಂಯೋಜಿತ) ಯಾವುದೇ ಖಚಿತವಾದ ಡಿವಿವಿಡೆಂಡ್ / ರಿಟರ್ನ್ ಅನ್ನು ಮಾರುಕಟ್ಟೆ ಲಿಂಕ್ ಮಾಡಿದಂತೆ
ಕನಿಷ್ಠ ಬಂಡವಾಳ ರೂ. 500 ರೂ. 100 ರೂ. 1000 ರೂ. 500
ಗರಿಷ್ಠ ಬಂಡವಾಳ ರೂ. 1.5 ಲಕ್ಷ ಯಾವುದೇ ಮೇಲಿನ ಮಿತಿಯಿಲ್ಲ ಯಾವುದೇ ಮೇಲಿನ ಮಿತಿಯಿಲ್ಲ ಯಾವುದೇ ಮೇಲಿನ ಮಿತಿಯಿಲ್ಲ
80c ಅಡಿಯಲ್ಲಿ ಕಡಿತಕ್ಕೆ ಅರ್ಹವಾದ ಮೊತ್ತ ರೂ. 1.5 ಲಕ್ಷ ರೂ. 1.5 ಲಕ್ಷ ರೂ. 1.5 ಲಕ್ಷ ರೂ. 1.5 ಲಕ್ಷ
ಬಡ್ಡಿ/ರಿಟರ್ನ್‌ಗಾಗಿ ತೆರಿಗೆ ತೆರಿಗೆ ಮುಕ್ತ ಬಡ್ಡಿ ತೆರಿಗೆ ವಿಧಿಸಬಹುದಾಗಿದೆ ಬಡ್ಡಿ ತೆರಿಗೆ ವಿಧಿಸಬಹುದಾಗಿದೆ 1 ಲಕ್ಷದವರೆಗಿನ ಲಾಭವು ತೆರಿಗೆಯಿಂದ ಮುಕ್ತವಾಗಿದೆ. 1 ಲಕ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಲಾಭಗಳಿಗೆ 10% ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ
ಸುರಕ್ಷತೆ/ರೇಟಿಂಗ್‌ಗಳು ಸುರಕ್ಷಿತ ಸುರಕ್ಷಿತ ಸುರಕ್ಷಿತ ಅಪಾಯ

2022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಟಾಪ್ 5 ELSS ಫಂಡ್‌ಗಳು

ನಿವ್ವಳ ಸ್ವತ್ತುಗಳು/AUM ನಡುವೆ ಇರುವ ಫಂಡ್‌ಗಳ ಪಟ್ಟಿಯನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ100-200 ಕೋಟಿ.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
JM Tax Gain Fund Growth ₹48.8222
↓ -0.09
₹1999.7-1.8-0.825.124.929
BOI AXA Tax Advantage Fund Growth ₹162
↓ -0.28
₹1,3988.6-4.1-723.525.321.6
BNP Paribas Long Term Equity Fund (ELSS) Growth ₹95.4356
↓ -0.29
₹9128.9-0.93.422.420.223.6
Edelweiss Long Term Equity Fund Growth ₹112.18
↓ -0.22
₹41211.22321.121.720
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹4859.715.116.920.810
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Jul 25

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1. JM Tax Gain Fund

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

JM Tax Gain Fund is a Equity - ELSS fund was launched on 31 Mar 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9.6% since its launch.  Ranked 18 in ELSS category.  Return for 2024 was 29% , 2023 was 30.9% and 2022 was 0.5% .

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund
Growth
Launch Date 31 Mar 08
NAV (03 Jul 25) ₹48.8222 ↓ -0.09   (-0.18 %)
Net Assets (Cr) ₹199 on 31 May 25
Category Equity - ELSS
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.4
Sharpe Ratio 0.04
Information Ratio 0.52
Alpha Ratio -2.44
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹15,986
30 Jun 22₹15,856
30 Jun 23₹20,731
30 Jun 24₹30,855
30 Jun 25₹31,236

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 ₹556,833.
Net Profit of ₹256,833
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 3 Jul 25

DurationReturns
1 Month 4.1%
3 Month 9.7%
6 Month -1.8%
1 Year -0.8%
3 Year 25.1%
5 Year 24.9%
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 240.67 Yr.
Asit Bhandarkar31 Dec 213.42 Yr.
Ruchi Fozdar4 Oct 240.66 Yr.
Deepak Gupta11 Apr 250.14 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services29.82%
Consumer Cyclical13.16%
Technology11.93%
Basic Materials11.65%
Industrials11.44%
Health Care8.44%
Consumer Defensive3.73%
Communication Services2.87%
Utility2.14%
Energy1.1%
Real Estate1.03%
Asset Allocation
Asset ClassValue
Cash2.68%
Equity97.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK
6%₹11 Cr77,975
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
5%₹11 Cr28,947
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK
5%₹10 Cr49,131
State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN
3%₹6 Cr72,900
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI
3%₹6 Cr4,706
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL
3%₹6 Cr30,700
Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | BAJAJ-AUTO
3%₹5 Cr6,300
OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE
3%₹5 Cr28,195
Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY
3%₹5 Cr32,965
↓ -13,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC
3%₹5 Cr43,600

2. BOI AXA Tax Advantage Fund

The Scheme seeks to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities across all market capitalisations. The Scheme is in the nature of diversified multi-cap fund. The Scheme is not providing any assured or guaranteed returns.(There can be no assurance that the investment objectives of the Scheme will be realized.)

BOI AXA Tax Advantage Fund is a Equity - ELSS fund was launched on 25 Feb 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.6% since its launch.  Ranked 13 in ELSS category.  Return for 2024 was 21.6% , 2023 was 34.8% and 2022 was -1.3% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (03 Jul 25) ₹162 ↓ -0.28   (-0.17 %)
Net Assets (Cr) ₹1,398 on 31 May 25
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.37
Sharpe Ratio -0.27
Information Ratio 0.4
Alpha Ratio -9.18
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹17,492
30 Jun 22₹16,681
30 Jun 23₹21,090
30 Jun 24₹33,338
30 Jun 25₹31,637

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 ₹570,326.
Net Profit of ₹270,326
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 3 Jul 25

DurationReturns
1 Month 2.2%
3 Month 8.6%
6 Month -4.1%
1 Year -7%
3 Year 23.5%
5 Year 25.3%
10 Year
15 Year
Since launch 18.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 21.6%
2023 34.8%
2022 -1.3%
2021 41.5%
2020 31.2%
2019 14.6%
2018 -16.3%
2017 57.7%
2016 -1.2%
2015 2.1%
Fund Manager information for BOI AXA Tax Advantage Fund
NameSinceTenure
Alok Singh27 Apr 223.18 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services26%
Industrials19.14%
Basic Materials15.82%
Technology7.68%
Utility6.54%
Consumer Cyclical5.43%
Consumer Defensive5.06%
Real Estate2.77%
Health Care2.66%
Communication Services2.47%
Energy1.38%
Asset Allocation
Asset ClassValue
Cash4.15%
Equity95.84%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
5%₹68 Cr839,000
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | VEDL
4%₹61 Cr1,412,000
Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE
4%₹56 Cr65,600
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
4%₹55 Cr285,000
↓ -70,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
4%₹52 Cr105,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
3%₹44 Cr305,000
↓ -24,000
Prudent Corporate Advisory Services Ltd (Financial Services)
Equity, Since 31 Oct 23 | 543527
3%₹39 Cr132,407
Acutaas Chemicals Ltd (Basic Materials)
Equity, Since 31 May 24 | 543349
3%₹37 Cr317,800
Coromandel International Ltd (Basic Materials)
Equity, Since 31 Jan 23 | COROMANDEL
3%₹36 Cr157,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 24 | BHARTIARTL
2%₹35 Cr186,000

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.

BNP Paribas Long Term Equity Fund (ELSS) is a Equity - ELSS fund was launched on 5 Jan 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.3% since its launch.  Ranked 22 in ELSS category.  Return for 2024 was 23.6% , 2023 was 31.3% and 2022 was -2.1% .

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 (03 Jul 25) ₹95.4356 ↓ -0.29   (-0.30 %)
Net Assets (Cr) ₹912 on 31 May 25
Category Equity - ELSS
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.29
Sharpe Ratio 0.24
Information Ratio 0.3
Alpha Ratio 0.76
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹14,752
30 Jun 22₹13,984
30 Jun 23₹17,125
30 Jun 24₹24,331
30 Jun 25₹25,826

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 ₹505,644.
Net Profit of ₹205,644
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 3 Jul 25

DurationReturns
1 Month 2.4%
3 Month 8.9%
6 Month -0.9%
1 Year 3.4%
3 Year 22.4%
5 Year 20.2%
10 Year
15 Year
Since launch 12.3%
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 223.22 Yr.
Pratish Krishnan14 Mar 223.22 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services29.88%
Industrials12.49%
Consumer Cyclical10.72%
Technology9.37%
Health Care7.88%
Basic Materials6.88%
Consumer Defensive5.23%
Energy4.43%
Utility3.18%
Communication Services3.1%
Asset Allocation
Asset ClassValue
Cash6.84%
Equity93.16%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
7%₹64 Cr328,160
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK
7%₹59 Cr411,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE
4%₹40 Cr284,200
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL
3%₹28 Cr152,566
Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY
3%₹27 Cr173,000
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA
3%₹26 Cr13,566
↓ -700
Max Financial Services Ltd (Financial Services)
Equity, Since 30 Apr 24 | MFSL
2%₹21 Cr143,000
↓ -15,000
Linde India Ltd (Basic Materials)
Equity, Since 31 Dec 22 | LINDEINDIA
2%₹21 Cr28,225
PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 543390
2%₹20 Cr113,300
State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN
2%₹20 Cr243,000

4. Edelweiss Long Term Equity Fund

(Erstwhile Edelweiss ELSS Fund)

The primary objective of the scheme is to generate long-term capital appreciation with an option of periodic payouts at the end of lock in periods from a portfolio that invests predominantly in equity and equity related instruments.

Edelweiss Long Term Equity Fund is a Equity - ELSS fund was launched on 30 Dec 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.8% since its launch.  Ranked 25 in ELSS category.  Return for 2024 was 20% , 2023 was 26.8% and 2022 was -0.1% .

Below is the key information for Edelweiss Long Term Equity Fund

Edelweiss Long Term Equity Fund
Growth
Launch Date 30 Dec 08
NAV (03 Jul 25) ₹112.18 ↓ -0.22   (-0.20 %)
Net Assets (Cr) ₹412 on 31 May 25
Category Equity - ELSS
AMC Edelweiss Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.33
Sharpe Ratio 0.17
Information Ratio -0.25
Alpha Ratio -0.42
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹15,463
30 Jun 22₹15,383
30 Jun 23₹19,055
30 Jun 24₹26,226
30 Jun 25₹27,454

Edelweiss 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 ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for Edelweiss 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 3 Jul 25

DurationReturns
1 Month 4.3%
3 Month 11.2%
6 Month 2%
1 Year 3%
3 Year 21.1%
5 Year 21.7%
10 Year
15 Year
Since launch 15.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 20%
2023 26.8%
2022 -0.1%
2021 30.4%
2020 13.7%
2019 9.2%
2018 -9.1%
2017 37.7%
2016 -1.1%
2015 6.7%
Fund Manager information for Edelweiss Long Term Equity Fund
NameSinceTenure
Ashwani Agarwalla1 Aug 231.92 Yr.
Trideep Bhattacharya1 Aug 231.92 Yr.
Raj Koradia1 Aug 240.91 Yr.

Data below for Edelweiss Long Term Equity Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Financial Services36.52%
Technology11.2%
Consumer Cyclical9.73%
Industrials9.02%
Health Care8.19%
Energy6.51%
Consumer Defensive5.12%
Basic Materials4.76%
Communication Services3.79%
Utility2.26%
Real Estate1.37%
Asset Allocation
Asset ClassValue
Cash1.4%
Equity98.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 10 | HDFCBANK
8%₹31 Cr160,598
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 17 | ICICIBANK
6%₹24 Cr163,216
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 15 | RELIANCE
5%₹20 Cr139,249
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL
4%₹16 Cr84,003
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 15 | LT
3%₹12 Cr33,431
State Bank of India (Financial Services)
Equity, Since 31 May 18 | SBIN
3%₹12 Cr149,214
BSE Ltd (Financial Services)
Equity, Since 31 Mar 24 | BSE
3%₹11 Cr40,851
Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY
2%₹9 Cr59,889
Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | TRENT
2%₹9 Cr15,256
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Aug 22 | BEL
2%₹8 Cr219,943

5. 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.

IDBI Equity Advantage Fund is a Equity - ELSS fund was launched on 10 Sep 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16% since its launch.  Ranked 21 in ELSS category. .

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
30 Jun 20₹10,000
30 Jun 21₹14,005
30 Jun 22₹13,878
30 Jun 23₹17,391

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 3 Jul 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

ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆಗಳಿಗಿಂತ ELSS ಹೇಗೆ ಉತ್ತಮವಾಗಿದೆ?

ವಿವಿಧ ಇವೆತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆ ಭಾರತದಲ್ಲಿನ ಆಯ್ಕೆಗಳಲ್ಲಿ ELSS ಅತ್ಯುತ್ತಮ ಆಯ್ಕೆಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ. ಹೇಗೆ? ಇಲ್ಲಿ ಕೆಲವು ಕಾರಣಗಳನ್ನು ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ.

ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಹೆಚ್ಚಿನ ಆದಾಯ

ELSS ನಿಧಿಗಳು ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆಗಳ ನಡುವೆ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೆಚ್ಚಿನ ಸಂಖ್ಯೆಯ ಆಸ್ತಿಗಳನ್ನು ನಿಯೋಜಿಸುತ್ತವೆ. ಆದ್ದರಿಂದ, ಈ ನಿಧಿಗಳು ಉತ್ತಮವಾಗಿ ಗಳಿಸುತ್ತವೆಹಣದುಬ್ಬರ-ಎಲ್ಲರ ನಡುವೆ ಬೀಟಿಂಗ್ ರಿಟರ್ನ್ಸ್. ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಿದರೆ, ELSS ನ ಆದಾಯದ ದರವು ಇತರ ಸಾಂಪ್ರದಾಯಿಕ ಸಾಲ-ಆಧಾರಿತ ಹೂಡಿಕೆಗಳ ಆದಾಯವನ್ನು ಸುಲಭವಾಗಿ ಸೋಲಿಸಬಹುದು. ಆದ್ದರಿಂದ, ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಎರಡೂ ಪ್ರಪಂಚದ ಅತ್ಯುತ್ತಮವಾದ-ಹೆಚ್ಚಿನ ಆದಾಯ ಮತ್ತು ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳನ್ನು ಒದಗಿಸುತ್ತವೆ.

ಕಡಿಮೆ ಲಾಕ್-ಇನ್ ಅವಧಿ

ಸಾಂಪ್ರದಾಯಿಕ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆ ಆಯ್ಕೆಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಕಡಿಮೆ ಲಾಕ್-ಇನ್ ಅವಧಿಯನ್ನು ಹೊಂದಿವೆ. ELSS ಫಂಡ್‌ಗಳ ಲಾಕ್-ಇನ್ ಅವಧಿಯು 3 ವರ್ಷಗಳು ಮತ್ತು PPF ನ ಅವಧಿಯು 15 ವರ್ಷಗಳು ಮತ್ತುNPS ತನಕ ಆಗಿದೆನಿವೃತ್ತಿ. ಆದ್ದರಿಂದ, ELSS ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ನಿಮ್ಮ ಹಣವು ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಲಾಕ್ ಆಗುವುದಿಲ್ಲ ಮತ್ತು ಲಾಕ್-ಇನ್ ಮುಗಿದ ನಂತರ ನೀವು ಹೂಡಿಕೆ ಮಾಡುವುದನ್ನು ನಿಲ್ಲಿಸಬಹುದು.

ಹೆಚ್ಚು ಹೊಂದಿಕೊಳ್ಳುವ ಹೂಡಿಕೆ

ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ನಮ್ಯತೆಯು ಎಲ್ಲಾ ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆಗಳಿಗಿಂತ ಹೆಚ್ಚು. ಸಾಂಪ್ರದಾಯಿಕ ಹೂಡಿಕೆಗಳಿಗಿಂತ ಭಿನ್ನವಾಗಿ, ಕೇವಲ ಒಂದು ರೀತಿಯ ಆಯ್ಕೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಅಗತ್ಯವಿಲ್ಲ. ELSS ನಿಧಿಗಳು ವಿವಿಧ ರೀತಿಯ ಹೂಡಿಕೆಗಳೊಂದಿಗೆ ನಿಮ್ಮ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ನಿಮಗೆ ಅನುವು ಮಾಡಿಕೊಡುತ್ತದೆ. ಅಲ್ಲದೆ, ಲಾಕ್-ಇನ್ ಅವಧಿ ಮುಗಿದ ನಂತರವೂ ಹೂಡಿಕೆದಾರರು ಈ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಆದ್ದರಿಂದ, ಲಾಕ್-ಇನ್ ಮುಗಿದ ನಂತರ, ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಉಳಿಯಲು ಅಥವಾ ರಿಡೀಮ್ ಮಾಡಲು ನೀವು ಸುಲಭವಾಗಿ ಆಯ್ಕೆ ಮಾಡಬಹುದು.

ತೀರ್ಮಾನ

ಕೊನೆಯಲ್ಲಿ, ELSS ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಇಲ್ಲಿ ಕೆಲವು ಸಲಹೆಗಳಿವೆ.

  • ELSS ನಲ್ಲಿ ಹೂಡಿಕೆಯನ್ನು ಮೊದಲೇ ಪ್ರಾರಂಭಿಸಿ
  • ನಿಮ್ಮ ಮಿತಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ
  • ಡಿವಿಡೆಂಡ್ ಮರುಹೂಡಿಕೆಯನ್ನು ಆಯ್ಕೆ ಮಾಡಬೇಡಿ
  • ನಿಧಾನವಾಗಿ ಮತ್ತು ಕ್ರಮೇಣವಾಗಿ ಪಡೆದುಕೊಳ್ಳಿ
  • ಎ ಮೂಲಕ ಹೂಡಿಕೆ ಮಾಡಿSIP
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.
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