11 മികച്ച നികുതി ലാഭിക്കൽ ELSS മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on September 28, 2025 , 22329 views

മികച്ച മറ്റ് ഫണ്ടുകൾ അല്ലെങ്കിൽ ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ്സ് സ്കീമുകൾ ഇക്വിറ്റി വൈവിധ്യവൽക്കരിക്കപ്പെട്ടതാണ്മ്യൂച്വൽ ഫണ്ടുകൾ ഇക്വിറ്റി-ലിങ്ക്ഡ് ഇൻസ്ട്രുമെന്റുകളിൽ (ഷെയറുകളും സ്റ്റോക്കുകളും പോലുള്ളവ) പ്രധാനമായും നിക്ഷേപിക്കുന്നുവിപണി-ലിങ്ക്ഡ് റിട്ടേണുകൾ, നേരിട്ടുള്ള നികുതി ലാഭിക്കാൻ സഹായിക്കുകവരുമാനം. സാധാരണഗതിയിൽ, ഫണ്ട് കോർപ്പസിന്റെ 80% ഇക്വിറ്റിയിലും ബാക്കിയുള്ളത് ഡെറ്റ് ഉപകരണങ്ങളിലും നിക്ഷേപിക്കുന്നു.

ELSS ഫണ്ടുകൾക്ക് കീഴിൽ നികുതി ആനുകൂല്യങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നതിനാൽ നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകൾ എന്നും അറിയപ്പെടുന്നുസെക്ഷൻ 80 സി യുടെആദായ നികുതി നിയമം. മാത്രമല്ല, ELSS മ്യൂച്വൽ ഫണ്ടുകൾ ഓപ്പൺ-എൻഡാണ്, അതായത് നിക്ഷേപകർക്ക് ആവശ്യമുള്ളപ്പോൾ ഈ ഫണ്ടുകളിൽ സബ്‌സ്‌ക്രൈബ് ചെയ്യാം.

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ELSS ഫണ്ടിൽ ആർക്കൊക്കെ നിക്ഷേപിക്കാം?

പൊതുവേ, ELSS മ്യൂച്വൽ ഫണ്ടുകൾ മാർക്കറ്റ്-ലിങ്ക്ഡ് റിസ്ക് എടുക്കാൻ തയ്യാറുള്ള എല്ലാത്തരം നിക്ഷേപകർക്കും അനുയോജ്യമാണ്.നികുതി ആസൂത്രണം പണം ലാഭിക്കുകയും ചെയ്യുന്നു. ആർക്കും അവരുടെ ജീവിതത്തിലെ ഏത് സമയത്തും ELSS ഫണ്ടുകളിൽ നിക്ഷേപിക്കാം. എന്നിരുന്നാലും, നിങ്ങളുടെ കരിയറിന്റെ പ്രാരംഭ ഘട്ടത്തിൽ നികുതി ലാഭിക്കുന്ന ELSS ഫണ്ടുകളിൽ നിക്ഷേപിക്കാൻ നിർദ്ദേശിക്കപ്പെട്ടിരിക്കുന്നു, അതുവഴി നിങ്ങളുടെ പണം കാലക്രമേണ വളരുകയും മികച്ച വരുമാനം നേടുകയും ചെയ്യുന്നു.

അതിനാൽ, നികുതി ലാഭിക്കുകയും ഒരേ സമയം നല്ല വരുമാനം നേടുകയും ചെയ്യുകനിക്ഷേപിക്കുന്നു മികച്ച ELSS ഫണ്ടുകളിൽ. ELSS ഫണ്ടുകളിൽ നിക്ഷേപിച്ച തുക 3 വർഷത്തേക്ക് ലോക്ക് ചെയ്തിട്ടുണ്ടെന്ന് നിക്ഷേപകർ അറിഞ്ഞിരിക്കണം.

നിക്ഷേപകർക്ക് ELSS മ്യൂച്വൽ ഫണ്ടുകളിൽ ലംപ്സം (ഒറ്റത്തവണ) ആയി നിക്ഷേപിക്കാംഎസ്.ഐ.പി (സിസ്റ്റമാറ്റിക്നിക്ഷേപ പദ്ധതി). തുടക്കക്കാർ സാധാരണയായി SIP ഉപയോഗിച്ച് നിക്ഷേപിക്കാൻ നിർദ്ദേശിക്കുന്നു, അത് അവർക്ക് കൂടുതൽ അനുയോജ്യമാണ്.

മറ്റ് നികുതി ലാഭിക്കൽ ഓപ്ഷനുകൾ?

ELSS-ന് സമാനമായി സെക്ഷൻ 80c-ന് കീഴിലുള്ള മറ്റ് ഓപ്ഷനുകളിൽ ഇവ ഉൾപ്പെടുന്നു:ലൈഫ് ഇൻഷുറൻസ് പ്രീമിയം,നികുതി ലാഭിക്കുന്ന സ്ഥിര നിക്ഷേപങ്ങൾ,പി.പി.എഫ്,എൻ.എസ്.സി,ഇ.പി.എഫ്, യൂണിറ്റ് ലിങ്ക്ഡ് ഇക്വിറ്റി പ്ലാനുകൾ (യുലിപ്). സെക്ഷൻ 80 സി പ്രകാരം സംയോജിത സമ്പാദ്യത്തിന്റെ പരിധി ഒരു സാമ്പത്തിക വർഷത്തിൽ 1.5 ലക്ഷമായി പരിമിതപ്പെടുത്തിയിരിക്കുന്നുവെന്ന് ഒരാൾ അറിഞ്ഞിരിക്കണം.

FY 22 - 23 ലെ നിക്ഷേപത്തിനായുള്ള മികച്ച 11 മികച്ച ELSS മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Tata India Tax Savings Fund Growth	₹43.9907 ↑ 0.26	₹4,472	-2.8	6.5	-6.3	15.7	19.8	19.5
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	9.7	15.1	16.9	20.8	10
BNP Paribas Long Term Equity Fund (ELSS) Growth	₹94.1568 ↑ 0.59	₹897	-2.7	6.5	-4.7	18	18.4	23.6
Sundaram Diversified Equity Fund Growth	₹218.653 ↑ 1.33	₹1,461	-2.6	6.5	-4	13.1	18.4	12
Invesco India Tax Plan Growth	₹124.58 ↑ 0.65	₹2,787	-3.1	8.2	-6	17.4	18.5	25.2
BOI AXA Tax Advantage Fund Growth	₹157.8 ↑ 0.78	₹1,355	-3.7	4.8	-10.3	17.1	21	21.6
JM Tax Gain Fund Growth	₹48.498 ↑ 0.56	₹210	-2.1	7.3	-8.5	19.9	22.8	29
Edelweiss Long Term Equity Fund Growth	₹109.22 ↑ 0.99	₹411	-3.9	6.5	-6.1	15.9	19.1	20
UTI Long Term Equity Fund Growth	₹203.451 ↑ 1.25	₹3,665	-3.9	5.8	-8	12.5	18.1	13.9
LIC MF Tax Plan Growth	₹151.608 ↑ 1.14	₹1,082	-3.1	3.2	-5.2	14.6	18.2	22.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 11 Funds showcased

Commentary	Tata India Tax Savings Fund	HDFC Long Term Advantage Fund	IDBI Equity Advantage Fund	BNP Paribas Long Term Equity Fund (ELSS)	Sundaram Diversified Equity Fund	Invesco India Tax Plan	BOI AXA Tax Advantage Fund	JM Tax Gain Fund	Edelweiss Long Term Equity Fund	UTI Long Term Equity Fund	LIC MF Tax Plan
Point 1	Highest AUM (₹4,472 Cr).	Lower mid AUM (₹1,318 Cr).	Bottom quartile AUM (₹485 Cr).	Lower mid AUM (₹897 Cr).	Upper mid AUM (₹1,461 Cr).	Upper mid AUM (₹2,787 Cr).	Upper mid AUM (₹1,355 Cr).	Bottom quartile AUM (₹210 Cr).	Bottom quartile AUM (₹411 Cr).	Top quartile AUM (₹3,665 Cr).	Lower mid AUM (₹1,082 Cr).
Point 2	Established history (10+ yrs).	Established history (24+ yrs).	Established history (12+ yrs).	Established history (19+ yrs).	Established history (25+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (25+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (top quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Rating: 1★ (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.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 19.79% (upper mid).	5Y return: 17.39% (bottom quartile).	5Y return: 9.97% (bottom quartile).	5Y return: 18.41% (lower mid).	5Y return: 18.44% (lower mid).	5Y return: 18.50% (upper mid).	5Y return: 20.98% (top quartile).	5Y return: 22.78% (top quartile).	5Y return: 19.08% (upper mid).	5Y return: 18.08% (bottom quartile).	5Y return: 18.21% (lower mid).
Point 6	3Y return: 15.69% (lower mid).	3Y return: 20.64% (top quartile).	3Y return: 20.84% (top quartile).	3Y return: 17.95% (upper mid).	3Y return: 13.14% (bottom quartile).	3Y return: 17.44% (upper mid).	3Y return: 17.06% (lower mid).	3Y return: 19.94% (upper mid).	3Y return: 15.87% (lower mid).	3Y return: 12.53% (bottom quartile).	3Y return: 14.61% (bottom quartile).
Point 7	1Y return: -6.27% (lower mid).	1Y return: 35.51% (top quartile).	1Y return: 16.92% (top quartile).	1Y return: -4.68% (upper mid).	1Y return: -4.00% (upper mid).	1Y return: -5.99% (lower mid).	1Y return: -10.30% (bottom quartile).	1Y return: -8.55% (bottom quartile).	1Y return: -6.08% (lower mid).	1Y return: -7.96% (bottom quartile).	1Y return: -5.25% (upper mid).
Point 8	Alpha: -1.62 (lower mid).	Alpha: 1.75 (upper mid).	Alpha: 1.78 (top quartile).	Alpha: 1.95 (top quartile).	Alpha: 1.24 (upper mid).	Alpha: 1.58 (upper mid).	Alpha: -5.42 (bottom quartile).	Alpha: -3.68 (bottom quartile).	Alpha: -0.83 (lower mid).	Alpha: -3.02 (bottom quartile).	Alpha: -0.42 (lower mid).
Point 9	Sharpe: -0.71 (lower mid).	Sharpe: 2.27 (top quartile).	Sharpe: 1.21 (top quartile).	Sharpe: -0.47 (upper mid).	Sharpe: -0.52 (upper mid).	Sharpe: -0.52 (upper mid).	Sharpe: -0.85 (bottom quartile).	Sharpe: -0.85 (bottom quartile).	Sharpe: -0.67 (lower mid).	Sharpe: -0.82 (bottom quartile).	Sharpe: -0.62 (lower mid).
Point 10	Information ratio: -0.22 (lower mid).	Information ratio: -0.15 (lower mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: 0.48 (top quartile).	Information ratio: -0.68 (bottom quartile).	Information ratio: 0.36 (upper mid).	Information ratio: 0.24 (upper mid).	Information ratio: 0.80 (top quartile).	Information ratio: -0.10 (upper mid).	Information ratio: -0.84 (bottom quartile).	Information ratio: -0.14 (lower mid).

Tata India Tax Savings Fund

Highest AUM (₹4,472 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.79% (upper mid).
3Y return: 15.69% (lower mid).
1Y return: -6.27% (lower mid).
Alpha: -1.62 (lower mid).
Sharpe: -0.71 (lower mid).
Information ratio: -0.22 (lower mid).

HDFC Long Term Advantage Fund

Lower mid AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (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% (top quartile).
1Y return: 16.92% (top quartile).
Alpha: 1.78 (top quartile).
Sharpe: 1.21 (top quartile).
Information ratio: -1.13 (bottom quartile).

BNP Paribas Long Term Equity Fund (ELSS)

Lower mid AUM (₹897 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.41% (lower mid).
3Y return: 17.95% (upper mid).
1Y return: -4.68% (upper mid).
Alpha: 1.95 (top quartile).
Sharpe: -0.47 (upper mid).
Information ratio: 0.48 (top quartile).

Sundaram Diversified Equity Fund

Upper mid AUM (₹1,461 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.44% (lower mid).
3Y return: 13.14% (bottom quartile).
1Y return: -4.00% (upper mid).
Alpha: 1.24 (upper mid).
Sharpe: -0.52 (upper mid).
Information ratio: -0.68 (bottom quartile).

Invesco India Tax Plan

Upper mid AUM (₹2,787 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 18.50% (upper mid).
3Y return: 17.44% (upper mid).
1Y return: -5.99% (lower mid).
Alpha: 1.58 (upper mid).
Sharpe: -0.52 (upper mid).
Information ratio: 0.36 (upper mid).

BOI AXA Tax Advantage Fund

Upper mid AUM (₹1,355 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.98% (top quartile).
3Y return: 17.06% (lower mid).
1Y return: -10.30% (bottom quartile).
Alpha: -5.42 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.24 (upper mid).

JM Tax Gain Fund

Bottom quartile AUM (₹210 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.78% (top quartile).
3Y return: 19.94% (upper mid).
1Y return: -8.55% (bottom quartile).
Alpha: -3.68 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.80 (top quartile).

Edelweiss Long Term Equity Fund

Bottom quartile AUM (₹411 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.08% (upper mid).
3Y return: 15.87% (lower mid).
1Y return: -6.08% (lower mid).
Alpha: -0.83 (lower mid).
Sharpe: -0.67 (lower mid).
Information ratio: -0.10 (upper mid).

UTI Long Term Equity Fund

Top quartile AUM (₹3,665 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.08% (bottom quartile).
3Y return: 12.53% (bottom quartile).
1Y return: -7.96% (bottom quartile).
Alpha: -3.02 (bottom quartile).
Sharpe: -0.82 (bottom quartile).
Information ratio: -0.84 (bottom quartile).

LIC MF Tax Plan

Lower mid AUM (₹1,082 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.21% (lower mid).
3Y return: 14.61% (bottom quartile).
1Y return: -5.25% (upper mid).
Alpha: -0.42 (lower mid).
Sharpe: -0.62 (lower mid).
Information ratio: -0.14 (lower mid).

* മുകളിലുള്ളവയുടെ പട്ടികയാണ് മുകളിൽELSS (ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ് സ്കീം) എയുഎം/നെറ്റ് അസറ്റുകൾക്ക് മുകളിലുള്ളത്500 കോടി കൂടാതെ ഫണ്ടിന്റെ പ്രായം >= 3 വർഷം.

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

Highest AUM (₹4,472 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.79% (upper mid).
3Y return: 15.69% (lower mid).
1Y return: -6.27% (lower mid).
Alpha: -1.62 (lower mid).
Sharpe: -0.71 (lower mid).
Information ratio: -0.22 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.3%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (01 Oct 25)	₹43.9907 ↑ 0.26 (0.59 %)
Net Assets (Cr)	₹4,472 on 31 Aug 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.71
Information Ratio	-0.22
Alpha Ratio	-1.62
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,631
30 Sep 22	₹15,931
30 Sep 23	₹18,810
30 Sep 24	₹26,318
30 Sep 25	₹24,667

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 1 Oct 25

Duration	Returns
1 Month	2%
3 Month	-2.8%
6 Month	6.5%
1 Year	-6.3%
3 Year	15.7%
5 Year	19.8%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	24%
2022	5.9%
2021	30.4%
2020	11.9%
2019	13.6%
2018	-8.4%
2017	46%
2016	2.1%
2015	13.3%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Rahul Singh	1 Jul 25	0.17 Yr.
Sailesh Jain	16 Dec 21	3.71 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	33.62%
Industrials	14.3%
Consumer Cyclical	14.27%
Basic Materials	7.26%
Technology	6.33%
Energy	5.31%
Communication Services	4.28%
Health Care	3.33%
Utility	2.53%
Real Estate	2.26%
Consumer Defensive	1.89%

Asset Allocation

Asset Class	Value
Cash	4.62%
Equity	95.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹328 Cr	3,450,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	7%	₹297 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹183 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹178 Cr	940,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹175 Cr	2,175,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹170 Cr	1,160,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| AXISBANK	3%	₹136 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹127 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| NTPC	3%	₹113 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	2%	₹95 Cr	10,200,000

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

Lower mid AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (lower 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
30 Sep 20	₹10,000
30 Sep 21	₹16,632

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 1 Oct 25

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

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% (top quartile).
1Y return: 16.92% (top quartile).
Alpha: 1.78 (top quartile).
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.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,085
30 Sep 22	₹15,014

IDBI Equity Advantage Fund SIP 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 1 Oct 25

Duration	Returns
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

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

Fund Manager information for IDBI Equity Advantage Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹897 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.41% (lower mid).
3Y return: 17.95% (upper mid).
1Y return: -4.68% (upper mid).
Alpha: 1.95 (top quartile).
Sharpe: -0.47 (upper mid).
Information ratio: 0.48 (top 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 (01 Oct 25)	₹94.1568 ↑ 0.59 (0.63 %)
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.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹14,921
30 Sep 22	₹14,187
30 Sep 23	₹16,531
30 Sep 24	₹24,426
30 Sep 25	₹23,282

BNP Paribas Long Term Equity Fund (ELSS) SIP 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 1 Oct 25

Duration	Returns
1 Month	0.3%
3 Month	-2.7%
6 Month	6.5%
1 Year	-4.7%
3 Year	18%
5 Year	18.4%
10 Year
15 Year
Since launch	12%

Historical performance (Yearly) on absolute basis

Year	Returns
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)

Name	Since	Tenure
Sanjay Chawla	14 Mar 22	3.47 Yr.
Pratish Krishnan	14 Mar 22	3.47 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	29.26%
Consumer Cyclical	15.13%
Industrials	11.52%
Technology	10.42%
Health Care	8.05%
Basic Materials	7.16%
Consumer Defensive	5.23%
Energy	3.87%
Utility	3.11%
Communication Services	3.05%

Asset Allocation

Asset Class	Value
Cash	3.17%
Equity	96.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	7%	₹62 Cr	656,320
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	6%	₹57 Cr	411,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	4%	₹35 Cr	255,800
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 19 \| BHARTIARTL	3%	₹27 Cr	144,966
Infosys Ltd (Technology) Equity, Since 29 Feb 24 \| INFY	3%	₹25 Cr	173,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 23 \| 543320	3%	₹25 Cr	790,813
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 20 \| LT	3%	₹23 Cr	62,520 ↑ 13,500
State Bank of India (Financial Services) Equity, Since 31 Mar 22 \| SBIN	2%	₹22 Cr	278,000 ↑ 35,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 31 Jan 25 \| RADICO	2%	₹21 Cr	73,000
Hitachi Energy India Ltd Ordinary Shares (Industrials) Equity, Since 31 Aug 23 \| POWERINDIA	2%	₹21 Cr	10,866

5. 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

Upper mid AUM (₹1,461 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.44% (lower mid).
3Y return: 13.14% (bottom quartile).
1Y return: -4.00% (upper mid).
Alpha: 1.24 (upper mid).
Sharpe: -0.52 (upper mid).
Information ratio: -0.68 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~92%).
Largest holding HDFC Bank Ltd (~9.4%).

Below is the key information for Sundaram Diversified Equity Fund

Sundaram Diversified Equity Fund Growth
Launch Date	22 Nov 99
NAV (01 Oct 25)	₹218.653 ↑ 1.33 (0.61 %)
Net Assets (Cr)	₹1,461 on 31 Aug 25
Category	Equity - ELSS
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.52
Information Ratio	-0.68
Alpha Ratio	1.24
Min Investment	500
Min SIP Investment	250
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,747
30 Sep 22	₹16,095
30 Sep 23	₹18,578
30 Sep 24	₹24,282
30 Sep 25	₹23,311

Sundaram Diversified Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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 1 Oct 25

Duration	Returns
1 Month	-0.7%
3 Month	-2.6%
6 Month	6.5%
1 Year	-4%
3 Year	13.1%
5 Year	18.4%
10 Year
15 Year
Since launch	15.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12%
2023	23.3%
2022	4%
2021	31.5%
2020	9.9%
2019	6.2%
2018	-10.6%
2017	38.4%
2016	6.8%
2015	3.1%

Fund Manager information for Sundaram Diversified Equity Fund

Name	Since	Tenure
Rohit Seksaria	24 Feb 21	4.52 Yr.
Bharath Subramanian	2 Jun 25	0.25 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	24.07%
Consumer Cyclical	13.81%
Consumer Defensive	9.37%
Industrials	9.35%
Basic Materials	7.39%
Health Care	7.32%
Technology	7.24%
Energy	6.6%
Utility	3.77%
Communication Services	3.31%

Asset Allocation

Asset Class	Value
Cash	7.78%
Equity	92.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| HDFCBANK	9%	₹138 Cr	1,448,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| ICICIBANK	6%	₹81 Cr	583,000 ↓ -300,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 12 \| RELIANCE	5%	₹72 Cr	527,000 ↑ 23,000
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| AXISBANK	4%	₹53 Cr	505,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 18 \| LT	3%	₹50 Cr	138,000
Infosys Ltd (Technology) Equity, Since 30 Nov 16 \| INFY	3%	₹50 Cr	338,000 ↑ 32,000
ITC Ltd (Consumer Defensive) Equity, Since 28 Feb 23 \| ITC	3%	₹50 Cr	1,210,000 ↑ 164,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	3%	₹48 Cr	256,000
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹48 Cr	595,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Apr 19 \| ULTRACEMCO	3%	₹40 Cr	32,000

6. Invesco India Tax Plan

The investment objective of the Scheme is to generate long term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

Research Highlights for Invesco India Tax Plan

Upper mid AUM (₹2,787 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 18.50% (upper mid).
3Y return: 17.44% (upper mid).
1Y return: -5.99% (lower mid).
Alpha: 1.58 (upper mid).
Sharpe: -0.52 (upper mid).
Information ratio: 0.36 (upper mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding HDFC Bank Ltd (~5.9%).

Below is the key information for Invesco India Tax Plan

Invesco India Tax Plan Growth
Launch Date	29 Dec 06
NAV (01 Oct 25)	₹124.58 ↑ 0.65 (0.52 %)
Net Assets (Cr)	₹2,787 on 31 Aug 25
Category	Equity - ELSS
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	-0.52
Information Ratio	0.36
Alpha Ratio	1.58
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,635
30 Sep 22	₹14,430
30 Sep 23	₹17,124
30 Sep 24	₹24,860
30 Sep 25	₹23,370

Invesco India Tax Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for Invesco India Tax Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	-3.1%
6 Month	8.2%
1 Year	-6%
3 Year	17.4%
5 Year	18.5%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.2%
2023	30.9%
2022	-7.7%
2021	32.6%
2020	19.2%
2019	9.4%
2018	-1.3%
2017	35.7%
2016	3.4%
2015	5.8%

Fund Manager information for Invesco India Tax Plan

Name	Since	Tenure
Amit Nigam	3 Sep 20	5 Yr.
Deepesh Kashyap	1 Jul 25	0.17 Yr.

Data below for Invesco India Tax Plan as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	24.46%
Financial Services	22.27%
Industrials	15.7%
Technology	10.95%
Health Care	8.73%
Basic Materials	4.93%
Real Estate	4.91%
Consumer Defensive	3.94%
Communication Services	2.24%
Utility	1.55%

Asset Allocation

Asset Class	Value
Cash	0.32%
Equity	99.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| HDFCBANK	6%	₹164 Cr	1,728,162
Infosys Ltd (Technology) Equity, Since 31 Dec 19 \| INFY	5%	₹142 Cr	965,480
LTIMindtree Ltd (Technology) Equity, Since 30 Sep 24 \| LTIM	3%	₹86 Cr	167,960
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| ICICIBANK	3%	₹82 Cr	589,056
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| BAJFINANCE	3%	₹80 Cr	911,349
Mrs Bectors Food Specialities Ltd Ordinary Shares (Consumer Defensive) Equity, Since 30 Sep 24 \| BECTORFOOD	3%	₹75 Cr	540,000 ↑ 133,287
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	3%	₹74 Cr	1,803,333
Blue Star Ltd (Industrials) Equity, Since 31 Jan 24 \| BLUESTARCO	3%	₹72 Cr	381,886
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Nov 22 \| APOLLOHOSP	3%	₹71 Cr	93,000 ↑ 40,055
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| JUBLFOOD	3%	₹70 Cr	1,116,348 ↑ 60,000

7. BOI AXA Tax Advantage Fund

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

Research Highlights for BOI AXA Tax Advantage Fund

Upper mid AUM (₹1,355 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.98% (top quartile).
3Y return: 17.06% (lower mid).
1Y return: -10.30% (bottom quartile).
Alpha: -5.42 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.24 (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 (~4.4%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (01 Oct 25)	₹157.8 ↑ 0.78 (0.50 %)
Net Assets (Cr)	₹1,355 on 31 Aug 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.85
Information Ratio	0.24
Alpha Ratio	-5.42
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,581
30 Sep 22	₹16,155
30 Sep 23	₹19,818
30 Sep 24	₹28,886
30 Sep 25	₹25,911

BOI AXA Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 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 1 Oct 25

Duration	Returns
1 Month	1.7%
3 Month	-3.7%
6 Month	4.8%
1 Year	-10.3%
3 Year	17.1%
5 Year	21%
10 Year
15 Year
Since launch	18.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Alok Singh	27 Apr 22	3.35 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	22.09%
Industrials	19.52%
Basic Materials	16.48%
Utility	8.47%
Technology	7.27%
Consumer Defensive	7.05%
Consumer Cyclical	6.05%
Health Care	2.85%
Communication Services	2.8%
Real Estate	2.64%
Energy	1.36%

Asset Allocation

Asset Class	Value
Cash	3.42%
Equity	96.57%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| VEDL	4%	₹59 Cr	1,412,000
Coforge Ltd (Technology) Equity, Since 30 Jun 23 \| COFORGE	4%	₹57 Cr	328,000
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	4%	₹53 Cr	664,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	3%	₹46 Cr	330,000 ↑ 100,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹46 Cr	1,120,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	3%	₹45 Cr	105,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹42 Cr	437,532
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹40 Cr	285,350 ↓ -32,450
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹38 Cr	201,000 ↑ 15,000
Prudent Corporate Advisory Services Ltd (Financial Services) Equity, Since 31 Oct 23 \| 543527	3%	₹37 Cr	132,407

8. 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).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.78% (top quartile).
3Y return: 19.94% (upper mid).
1Y return: -8.55% (bottom quartile).
Alpha: -3.68 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.80 (top quartile).
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 (01 Oct 25)	₹48.498 ↑ 0.56 (1.16 %)
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.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,728
30 Sep 22	₹16,173
30 Sep 23	₹19,887
30 Sep 24	₹30,515
30 Sep 25	₹27,906

JM Tax Gain Fund SIP 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 1 Oct 25

Duration	Returns
1 Month	0.2%
3 Month	-2.1%
6 Month	7.3%
1 Year	-8.5%
3 Year	19.9%
5 Year	22.8%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	0.92 Yr.
Asit Bhandarkar	31 Dec 21	3.67 Yr.
Ruchi Fozdar	4 Oct 24	0.91 Yr.
Deepak Gupta	11 Apr 25	0.39 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	27.82%
Consumer Cyclical	14.26%
Technology	13.8%
Industrials	11.84%
Basic Materials	10.96%
Health Care	7.23%
Consumer Defensive	4.02%
Energy	3.46%
Communication Services	2.77%
Real Estate	1.52%
Utility	0.91%

Asset Allocation

Asset Class	Value
Cash	1.41%
Equity	98.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹9 Cr	98,262
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	4%	₹8 Cr	56,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	4%	₹7 Cr	20,647 ↓ -8,300
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹7 Cr	55,500
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	84,750 ↑ 7,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹6 Cr	41,601
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	30,700
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 501423	3%	₹6 Cr	25,500
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 31 Mar 25 \| GODFRYPHLP	3%	₹5 Cr	4,945

9. 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.

Research Highlights for Edelweiss Long Term Equity Fund

Bottom quartile AUM (₹411 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.08% (upper mid).
3Y return: 15.87% (lower mid).
1Y return: -6.08% (lower mid).
Alpha: -0.83 (lower mid).
Sharpe: -0.67 (lower mid).
Information ratio: -0.10 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~7.2%).

Below is the key information for Edelweiss Long Term Equity Fund

Edelweiss Long Term Equity Fund Growth
Launch Date	30 Dec 08
NAV (01 Oct 25)	₹109.22 ↑ 0.99 (0.91 %)
Net Assets (Cr)	₹411 on 31 Aug 25
Category	Equity - ELSS
AMC	Edelweiss Asset Management Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.34
Sharpe Ratio	-0.67
Information Ratio	-0.1
Alpha Ratio	-0.83
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,542
30 Sep 22	₹15,392
30 Sep 23	₹17,945
30 Sep 24	₹25,496
30 Sep 25	₹23,945

Edelweiss Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 1 Oct 25

Duration	Returns
1 Month	1.3%
3 Month	-3.9%
6 Month	6.5%
1 Year	-6.1%
3 Year	15.9%
5 Year	19.1%
10 Year
15 Year
Since launch	15.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Ashwani Agarwalla	1 Aug 23	2.09 Yr.
Trideep Bhattacharya	1 Aug 23	2.09 Yr.
Raj Koradia	1 Aug 24	1.08 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	34.87%
Technology	11.09%
Consumer Cyclical	10.99%
Industrials	8.7%
Health Care	8.21%
Energy	5.9%
Consumer Defensive	5.37%
Basic Materials	4.82%
Communication Services	3.86%
Utility	2.07%
Real Estate	1.21%

Asset Allocation

Asset Class	Value
Cash	2.89%
Equity	97.1%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 10 \| HDFCBANK	7%	₹30 Cr	310,696
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 15 \| RELIANCE	5%	₹19 Cr	139,249
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 17 \| ICICIBANK	4%	₹18 Cr	126,563
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	4%	₹16 Cr	84,003
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 15 \| LT	3%	₹12 Cr	33,431
State Bank of India (Financial Services) Equity, Since 31 May 18 \| SBIN	3%	₹12 Cr	149,214
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	2%	₹9 Cr	59,889
BSE Ltd (Financial Services) Equity, Since 31 Mar 24 \| BSE	2%	₹9 Cr	40,851
Bharat Electronics Ltd (Industrials) Equity, Since 31 Aug 22 \| BEL	2%	₹8 Cr	219,943
Trent Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| TRENT	2%	₹8 Cr	15,256

10. UTI Long Term Equity Fund

(Erstwhile UTI Long Term Equity Fund (Tax Saving))

The funds collected under the scheme shall be invested in equities, fully convertible debentures/ bonds and warrants of companies. Investment may also be made in issues of partly convertible debentures/bonds including those issued on rights basis subject to the condition that, as far as possible, the non-convertible portion of the debentures/bonds so acquired or subscribed shall be disinvested within a period of twelve months from their acquisition.

Research Highlights for UTI Long Term Equity Fund

Top quartile AUM (₹3,665 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.08% (bottom quartile).
3Y return: 12.53% (bottom quartile).
1Y return: -7.96% (bottom quartile).
Alpha: -3.02 (bottom quartile).
Sharpe: -0.82 (bottom quartile).
Information ratio: -0.84 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~9.5%).

Below is the key information for UTI Long Term Equity Fund

UTI Long Term Equity Fund Growth
Launch Date	15 Dec 99
NAV (01 Oct 25)	₹203.451 ↑ 1.25 (0.62 %)
Net Assets (Cr)	₹3,665 on 31 Aug 25
Category	Equity - ELSS
AMC	UTI Asset Management Company Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.88
Sharpe Ratio	-0.82
Information Ratio	-0.84
Alpha Ratio	-3.02
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,471
30 Sep 22	₹16,113
30 Sep 23	₹18,096
30 Sep 24	₹24,943
30 Sep 25	₹22,958

UTI Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for UTI 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 1 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	-3.9%
6 Month	5.8%
1 Year	-8%
3 Year	12.5%
5 Year	18.1%
10 Year
15 Year
Since launch	14.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.9%
2023	24.3%
2022	-3.5%
2021	33.1%
2020	20.2%
2019	10.4%
2018	-6.5%
2017	33.1%
2016	3.3%
2015	2.6%

Fund Manager information for UTI Long Term Equity Fund

Name	Since	Tenure
Amit Premchandani	16 Jun 25	0.21 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.36%
Consumer Cyclical	14.57%
Technology	10.21%
Industrials	8.19%
Communication Services	7.21%
Health Care	6.66%
Consumer Defensive	6.13%
Energy	4.54%
Utility	3.58%
Basic Materials	3.21%
Real Estate	2.31%

Asset Allocation

Asset Class	Value
Cash	1.02%
Equity	98.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 11 \| HDFCBANK	9%	₹347 Cr	3,650,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 07 \| ICICIBANK	7%	₹252 Cr	1,800,000 ↓ -100,000
Infosys Ltd (Technology) Equity, Since 31 Jan 03 \| INFY	5%	₹178 Cr	1,210,185
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 13 \| BHARTIARTL	5%	₹170 Cr	900,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Jun 25 \| KOTAKBANK	4%	₹137 Cr	700,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	4%	₹134 Cr	990,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 10 \| AXISBANK	3%	₹126 Cr	1,210,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| BAJFINANCE	3%	₹101 Cr	1,150,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 13 \| TECHM	2%	₹89 Cr	600,000
Tata Steel Ltd (Basic Materials) Equity, Since 29 Feb 24 \| TATASTEEL	2%	₹86 Cr	5,535,778

11. LIC MF Tax Plan

The investment objective of the scheme is to provide capital growth along with tax rebate and tax relief to our investors through prudent investments in the stock markets. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Tax Plan

Lower mid AUM (₹1,082 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.21% (lower mid).
3Y return: 14.61% (bottom quartile).
1Y return: -5.25% (upper mid).
Alpha: -0.42 (lower mid).
Sharpe: -0.62 (lower mid).
Information ratio: -0.14 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~8.1%).

Below is the key information for LIC MF Tax Plan

LIC MF Tax Plan Growth
Launch Date	3 Feb 99
NAV (01 Oct 25)	₹151.608 ↑ 1.14 (0.76 %)
Net Assets (Cr)	₹1,082 on 31 Aug 25
Category	Equity - ELSS
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	2.01
Sharpe Ratio	-0.62
Information Ratio	-0.14
Alpha Ratio	-0.42
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,437
30 Sep 22	₹15,335
30 Sep 23	₹17,495
30 Sep 24	₹24,364
30 Sep 25	₹23,085

LIC MF Tax Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for LIC MF Tax Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	1%
3 Month	-3.1%
6 Month	3.2%
1 Year	-5.2%
3 Year	14.6%
5 Year	18.2%
10 Year
15 Year
Since launch	11%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	22.6%
2023	26.3%
2022	-1.6%
2021	26.2%
2020	8.9%
2019	11.9%
2018	-1.1%
2017	37.3%
2016	3.3%
2015	-3%

Fund Manager information for LIC MF Tax Plan

Name	Since	Tenure
Yogesh Patil	1 Jul 24	1.17 Yr.
Dikshit Mittal	31 Jul 23	2.09 Yr.

Data below for LIC MF Tax Plan as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	29.39%
Consumer Cyclical	17.86%
Industrials	15.62%
Consumer Defensive	10.24%
Health Care	7.33%
Basic Materials	7.02%
Technology	6.7%
Energy	2.19%
Communication Services	1.31%
Real Estate	0.25%

Asset Allocation

Asset Class	Value
Cash	2.08%
Equity	97.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 14 \| HDFCBANK	8%	₹87 Cr	916,422
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 18 \| ICICIBANK	8%	₹84 Cr	604,329
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	6%	₹63 Cr	777,563
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 21 \| AXISBANK	3%	₹36 Cr	342,519
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 30 Jun 22 \| CHOLAFIN	3%	₹30 Cr	210,855
State Bank of India (Financial Services) Equity, Since 31 May 23 \| SBIN	2%	₹26 Cr	320,605
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 23 \| LT	2%	₹25 Cr	68,942
Blue Star Ltd (Industrials) Equity, Since 31 Oct 22 \| BLUESTARCO	2%	₹25 Cr	131,363
Trent Ltd (Consumer Cyclical) Equity, Since 31 Mar 20 \| TRENT	2%	₹24 Cr	45,143
Grasim Industries Ltd (Basic Materials) Equity, Since 31 Jul 23 \| GRASIM	2%	₹22 Cr	80,412

ELSS SIP കാൽക്കുലേറ്റർ

Know Your SIP Returns

Total investment amount is ₹720,000
expected amount after 5 Years is ₹1,074,189.
Net Profit of ₹354,189 Invest Now

ELSS-ലെ നിക്ഷേപ മോഡുകൾ

ELSS-ൽ SIP (സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്‌മെന്റ് പ്ലാൻ).

ഓരോ മാസവും നിശ്ചിത തുക നിക്ഷേപിക്കുന്നതിനാൽ നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകളിൽ (ELSS) നിക്ഷേപിക്കുന്നതിനുള്ള ഒരു നിക്ഷേപ മോഡായി SIP തിരഞ്ഞെടുക്കാം.

ചുവടെയുള്ള സാമ്പിളിൽ കാണിച്ചിരിക്കുന്നതുപോലെ-

മാസം	തുക	മോഡ്
ഏപ്രിൽ	12,500	എസ്.ഐ.പി	മെയ്	12,500	എസ്.ഐ.പി
ജൂൺ	12,500	എസ്.ഐ.പി	ജൂലൈ	12,500	എസ്.ഐ.പി
ഓഗസ്റ്റ്	12,500	എസ്.ഐ.പി	സെപ്റ്റംബർ	12,500	എസ്.ഐ.പി
ഒക്ടോബർ	12,500	എസ്.ഐ.പി	നവംബർ	12,500	എസ്.ഐ.പി
ഡിസംബർ	12,500	എസ്.ഐ.പി	ജനുവരി	12,500	എസ്.ഐ.പി
ഫെബ്രുവരി	12,500	എസ്.ഐ.പി	മാർച്ച്	12,500	എസ്.ഐ.പി
ആകെ				`1,50,000`

എസ്‌ഐ‌പി രീതിയിലൂടെ നിക്ഷേപിക്കുമ്പോൾ, ഓരോ മാസവും വാങ്ങലുകൾ ചിതറിക്കുകയും ലംപ്‌സം നിക്ഷേപങ്ങളുടെ കാര്യത്തിൽ സംഭവിക്കാവുന്ന പ്രത്യേക വിലയേക്കാൾ ശരാശരി വിലയിൽ നിക്ഷേപം നടത്തുകയും ചെയ്യുന്നതിനാൽ രൂപയുടെ ചെലവ് ശരാശരിയുടെ എസ്‌ഐപി ആനുകൂല്യങ്ങൾ ലഭിക്കും.

ELSS-ൽ ലംപ്‌സം നിക്ഷേപം

ULIP, NSC, PF/EPF തുടങ്ങിയ നികുതി ലാഭിക്കുന്നതിനുള്ള മറ്റ് ഉപകരണങ്ങളിൽ ഒരാൾ ലാഭിക്കുന്നതുപോലെ,ഇൻഷുറൻസ് (സെക്ടർ 80 സി പ്രകാരം) നികുതി ലാഭിക്കുന്നതിന് എത്ര തുക വേണമോ എന്ന് ഒരാൾക്ക് തീരുമാനിക്കാം, മറ്റ് ഉപകരണങ്ങൾ കിഴിച്ച് ലംപ്‌സം വാങ്ങലുകളായി നിക്ഷേപിക്കുകയോ സാമ്പത്തിക വർഷാവസാനം (ജനുവരി - മാർച്ച്) ഒരു തവണയോ ആണ്.

മികച്ച നികുതി ലാഭിക്കൽ ELSS ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിനുള്ള നുറുങ്ങുകൾ

സാമ്പത്തിക വർഷത്തിന്റെ തുടക്കത്തിൽ (അതായത് ഏപ്രിലിൽ) ഒരു SIP (സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്‌മെന്റ് പ്ലാൻ) വഴി മികച്ച ELSS ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക, സാമ്പത്തിക വർഷം അവസാനിക്കുമ്പോൾ അല്ല.
മികച്ച ELSS ഫണ്ടുകളുടെ പട്ടികയിൽ നിന്ന് ശ്രദ്ധാപൂർവ്വം ഒരു ELSS മ്യൂച്വൽ ഫണ്ട് തിരഞ്ഞെടുക്കുക, എല്ലാ വർഷവും മറ്റ് നികുതി ലാഭിക്കുന്ന ELSS ഫണ്ടുകളിലേക്ക് പോകുന്നതിന് പകരം ഒരു വർഷത്തേക്ക് അതിൽ നിക്ഷേപിക്കുക.
5-7 വർഷത്തേക്ക് നിക്ഷേപിക്കുമ്പോൾ നല്ല ELSS വരുമാനം നേടാനാകും, അതിനാൽ ഒരിക്കൽ പണം പിൻവലിക്കരുതെന്ന് നിർദ്ദേശിക്കുന്നു3 വർഷത്തിന് ശേഷം ലോക്ക്-ഇൻ അവസാനിക്കുന്നു. മികച്ച വരുമാനം നേടാൻ ഇത് കൂടുതൽ നേരം പിടിക്കാൻ ശ്രമിക്കുക.
നിങ്ങൾ അപകടസാധ്യതയില്ലാത്ത ആളാണെങ്കിൽനിക്ഷേപകൻ അസ്ഥിരത കുറഞ്ഞ ഒരു ഫണ്ട് വേണമെങ്കിൽ, ഒരു വലിയ ക്യാപ് മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നത് പരിഗണിക്കുക.

ELSS ഫണ്ടുകളിൽ ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

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രേഖകൾ അപ്‌ലോഡ് ചെയ്യുക (പാൻ, ആധാർ മുതലായവ).കൂടാതെ, നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!

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