2022 ലെ SIP നിക്ഷേപത്തിനുള്ള മികച്ച ELSS മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on August 1, 2026 , 6020 views

മികച്ച മറ്റ് ഫണ്ടുകൾ അല്ലെങ്കിൽ ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ്സ് സ്കീമുകൾ ഇക്വിറ്റി വൈവിധ്യവൽക്കരിക്കപ്പെട്ടതാണ്മ്യൂച്വൽ ഫണ്ടുകൾ ഇക്വിറ്റി-ലിങ്ക്ഡ് ഇൻസ്ട്രുമെന്റുകളിൽ (ഷെയറുകളും സ്റ്റോക്കുകളും പോലുള്ളവ) പ്രധാനമായും നിക്ഷേപിക്കുന്നുവിപണി-ലിങ്ക്ഡ് റിട്ടേണുകൾ. സാധാരണഗതിയിൽ, ഫണ്ട് കോർപ്പസിന്റെ 80% ഇക്വിറ്റിയിലും ബാക്കിയുള്ളത് ഡെറ്റ് ഉപകരണങ്ങളിലും നിക്ഷേപിക്കുന്നു. മികച്ചത്ELSS ഫണ്ടുകൾക്ക് കീഴിൽ നികുതി ആനുകൂല്യങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നതിനാൽ നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകൾ എന്നും അറിയപ്പെടുന്നുസെക്ഷൻ 80 സി യുടെആദായ നികുതി നിയമം. മാത്രമല്ല, ELSS മ്യൂച്വൽ ഫണ്ടുകൾ ഓപ്പൺ-എൻഡ് ആണ് & 2 നിക്ഷേപ രീതികൾ വാഗ്ദാനം ചെയ്യുന്നു

ഒറ്റത്തവണ നിക്ഷേപം
എസ്.ഐ.പി (സിസ്റ്റമാറ്റിക്നിക്ഷേപ പദ്ധതി) നിക്ഷേപം

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22-23 സാമ്പത്തിക വർഷത്തിലെ ഏറ്റവും മികച്ച 5 മികച്ച പ്രകടനം നടത്തുന്ന ELSS മ്യൂച്വൽ ഫണ്ടുകൾ SIP

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

Bottom quartile AUM (₹4,597 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.77% (upper mid).
3Y return: 13.44% (lower mid).
1Y return: 9.29% (upper mid).
Alpha: 4.23 (top quartile).
Sharpe: -0.09 (upper mid).
Information ratio: 0.22 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~5.8%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (03 Aug 26)	₹47.5257 ↑ 0.64 (1.37 %)
Net Assets (Cr)	₹4,597 on 30 Jun 26
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.09
Information Ratio	0.22
Alpha Ratio	4.23
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,953
31 Jul 23	₹12,983
31 Jul 24	₹17,490
31 Jul 25	₹17,289
31 Jul 26	₹18,423

Tata India Tax Savings 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 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 3 Aug 26

Duration	Returns
1 Month	2.5%
3 Month	5.8%
6 Month	4.4%
1 Year	9.3%
3 Year	13.4%
5 Year	12.8%
10 Year
15 Year
Since launch	14.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.9%
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%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.63 Yr.

Data below for Tata India Tax Savings Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	34.41%
Industrials	16.89%
Consumer Cyclical	11.65%
Health Care	6.48%
Communication Services	5.75%
Energy	5.22%
Basic Materials	5.05%
Technology	4.03%
Utility	2.68%
Real Estate	1.91%
Consumer Defensive	1.42%

Asset Allocation

Asset Class	Value
Cash	4.51%
Equity	95.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	6%	₹267 Cr	3,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	6%	₹264 Cr	1,426,428
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	5%	₹245 Cr	1,781,000 ↓ -269,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹209 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹175 Cr	1,350,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹146 Cr	352,147
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹146 Cr	9,850,000
PB Fintech Ltd (Financial Services) Equity, Since 28 Feb 26 \| POLICYBZR	3%	₹133 Cr	814,850 ↑ 150,000
Cummins India Ltd (Industrials) Equity, Since 31 Dec 20 \| 500480	3%	₹130 Cr	230,000
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹123 Cr	3,451,000

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

Lower mid AUM (₹6,911 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.99% (bottom quartile).
3Y return: 11.04% (bottom quartile).
1Y return: 6.64% (lower mid).
Alpha: 0.89 (lower mid).
Sharpe: -0.29 (lower mid).
Information ratio: -0.51 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~8.1%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (03 Aug 26)	₹158.563 ↑ 2.59 (1.66 %)
Net Assets (Cr)	₹6,911 on 30 Jun 26
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.29
Information Ratio	-0.51
Alpha Ratio	0.89
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,756
31 Jul 23	₹13,299
31 Jul 24	₹17,741
31 Jul 25	₹17,013
31 Jul 26	₹17,654

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 3 Aug 26

Duration	Returns
1 Month	2.2%
3 Month	5.4%
6 Month	1.5%
1 Year	6.6%
3 Year	11%
5 Year	12%
10 Year
15 Year
Since launch	17%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8%
2024	13.1%
2023	28.3%
2022	4.2%
2021	49.2%
2020	18.7%
2019	1.9%
2018	-9.4%
2017	53.4%
2016	0.4%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.79 Yr.
Ritika Behera	7 Oct 23	2.82 Yr.
Gaurav Satra	10 Jun 24	2.14 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	34.7%
Consumer Defensive	9.44%
Consumer Cyclical	9.37%
Technology	9.01%
Energy	7.72%
Health Care	6.72%
Basic Materials	5.86%
Industrials	4.71%
Communication Services	2.61%
Real Estate	2.41%
Utility	2.06%

Asset Allocation

Asset Class	Value
Cash	5.38%
Equity	94.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹559 Cr	7,000,000 ↑ 300,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	6%	₹440 Cr	3,400,000 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹371 Cr	2,700,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	5%	₹353 Cr	9,000,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹254 Cr	1,250,000 ↑ 100,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	4%	₹246 Cr	1,825,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| MARUTI	3%	₹191 Cr	135,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹185 Cr	1,850,000 ↑ 250,000
Sterlite Technologies Ltd (Technology) Equity, Since 30 Apr 24 \| STLTECH	3%	₹184 Cr	3,000,000 ↓ -1,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 24 \| LT	3%	₹176 Cr	425,000

3. Aditya Birla Sun Life Tax Relief '96

An Open-ended equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities

Research Highlights for Aditya Birla Sun Life Tax Relief '96

Upper mid AUM (₹14,467 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 8.90% (bottom quartile).
3Y return: 12.98% (bottom quartile).
1Y return: 6.05% (bottom quartile).
Alpha: 0.31 (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: -0.24 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~7.4%).

Below is the key information for Aditya Birla Sun Life Tax Relief '96

Aditya Birla Sun Life Tax Relief '96 Growth
Launch Date	6 Mar 08
NAV (03 Aug 26)	₹63.26 ↑ 1.01 (1.62 %)
Net Assets (Cr)	₹14,467 on 30 Jun 26
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	-0.3
Information Ratio	-0.24
Alpha Ratio	0.31
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹9,862
31 Jul 23	₹10,964
31 Jul 24	₹14,876
31 Jul 25	₹14,878
31 Jul 26	₹15,344

Aditya Birla Sun Life Tax Relief '96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for Aditya Birla Sun Life Tax Relief '96

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	2.2%
3 Month	5.7%
6 Month	2%
1 Year	6.1%
3 Year	13%
5 Year	8.9%
10 Year
15 Year
Since launch	10.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	9.3%
2024	16.4%
2023	18.9%
2022	-1.4%
2021	12.7%
2020	15.2%
2019	4.3%
2018	-4.5%
2017	43.2%
2016	3.4%

Fund Manager information for Aditya Birla Sun Life Tax Relief '96

Name	Since	Tenure
Dhaval Shah	31 Oct 24	1.75 Yr.

Data below for Aditya Birla Sun Life Tax Relief '96 as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	33.48%
Consumer Cyclical	13.71%
Technology	9.77%
Health Care	9.4%
Consumer Defensive	8.36%
Industrials	7.17%
Basic Materials	5.34%
Energy	3.81%
Utility	3.03%
Communication Services	2.77%
Real Estate	1.53%

Asset Allocation

Asset Class	Value
Cash	1.63%
Equity	98.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹1,065 Cr	7,747,842
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹962 Cr	12,050,504
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| 532215	4%	₹573 Cr	4,260,879 ↓ -250,000
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	4%	₹551 Cr	4,260,426
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	4%	₹508 Cr	5,082,452
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	3%	₹498 Cr	4,851,415 ↓ -650,000
The Federal Bank Ltd (Financial Services) Equity, Since 31 May 25 \| FEDERALBNK	3%	₹405 Cr	12,256,437
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	3%	₹400 Cr	2,161,864
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| M&M	3%	₹388 Cr	1,264,660 ↑ 80,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| ETERNAL	2%	₹345 Cr	13,042,983

4. DSP Tax Saver Fund

The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors to avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time.

Research Highlights for DSP Tax Saver Fund

Highest AUM (₹16,562 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.67% (lower mid).
3Y return: 15.28% (upper mid).
1Y return: 3.88% (bottom quartile).
Alpha: -1.27 (bottom quartile).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.70 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding ICICI Bank Ltd (~10.0%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (03 Aug 26)	₹141.988 ↑ 2.20 (1.58 %)
Net Assets (Cr)	₹16,562 on 30 Jun 26
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	-0.39
Information Ratio	0.7
Alpha Ratio	-1.27
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,350
31 Jul 23	₹12,208
31 Jul 24	₹18,140
31 Jul 25	₹17,996
31 Jul 26	₹18,153

DSP Tax Saver 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 DSP 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 3 Aug 26

Duration	Returns
1 Month	1.5%
3 Month	4.7%
6 Month	-1.5%
1 Year	3.9%
3 Year	15.3%
5 Year	12.7%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
2024	23.9%
2023	30%
2022	4.5%
2021	35.1%
2020	15%
2019	14.8%
2018	-7.6%
2017	36.3%
2016	11.3%

Fund Manager information for DSP Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	11.05 Yr.

Data below for DSP Tax Saver Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	45.49%
Health Care	9%
Consumer Cyclical	8.46%
Basic Materials	7.09%
Energy	6.73%
Technology	4.88%
Communication Services	4.87%
Consumer Defensive	3.93%
Industrials	3.24%
Utility	2.48%

Asset Allocation

Asset Class	Value
Cash	3.83%
Equity	96.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	10%	₹1,650 Cr	11,996,282 ↑ 74,568
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	9%	₹1,572 Cr	19,697,085 ↑ 647,052
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	8%	₹1,316 Cr	9,777,745 ↑ 397,520
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	5%	₹820 Cr	7,984,534 ↑ 1,060,331
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹553 Cr	2,985,560
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹545 Cr	13,895,875 ↑ 764,194
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	2%	₹394 Cr	1,284,132
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 26 \| RELIANCE	2%	₹357 Cr	2,757,341 ↑ 2,757,341
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	2%	₹356 Cr	3,563,404
NTPC Ltd (Utilities) Equity, Since 31 Jan 19 \| 532555	2%	₹319 Cr	8,956,673 ↑ 1,408,733

5. 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).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
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 (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

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 3 Aug 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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.