8 മികച്ച ELSS നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on August 5, 2026 , 65845 views

സാമ്പത്തിക വർഷം അവസാനിക്കാനിരിക്കെ, നിങ്ങളുടേത് ആരംഭിക്കാനുള്ള സമയമാണിത്നികുതി ആസൂത്രണം. ഇന്ത്യയിൽ നിരവധി നികുതി ലാഭിക്കൽ ഓപ്ഷനുകൾ ഉള്ളതിനാൽ,ELSS നികുതി ലാഭിക്കുന്നതിനും അപ്പുറം ആനുകൂല്യങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നതിനാൽ മികച്ചതായി നിലകൊള്ളുന്നു.

ELSS അല്ലെങ്കിൽ ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ് സ്കീമുകൾ 3 വർഷത്തെ ലോക്ക്-ഇൻ കാലയളവിൽ വരുന്നു, ഇത് മറ്റെല്ലാ നികുതി ലാഭിക്കലുമായി താരതമ്യം ചെയ്യുമ്പോൾ ഏറ്റവും കുറഞ്ഞ ഹോൾഡിംഗ് ആണ്. എഴുതിയത്നിക്ഷേപിക്കുന്നു ELSS-ൽ ഒരാൾക്ക് 1,50 രൂപ വരെ കിഴിവുകൾ നേടാം,000 അവരുടെ നികുതിയിൽ നിന്ന്വരുമാനം പ്രകാരംസെക്ഷൻ 80 സി യുടെആദായ നികുതി നിയമം. ഇ‌എൽ‌എസ്‌എസ് ഫണ്ടുകൾ ഇക്വിറ്റി വൈവിധ്യവൽക്കരിക്കപ്പെട്ടതിനാൽ ഫണ്ടിന്റെ ഒരു പ്രധാന ഭാഗം ഇക്വിറ്റിയിലും അനുബന്ധ ഉൽപ്പന്നങ്ങളിലും നിക്ഷേപിക്കുന്നു, അവ ഇക്വിറ്റി റിട്ടേണുകളും നൽകുന്നു. ഇതിനർത്ഥം നിക്ഷേപകർക്ക് അവരുടെ നിക്ഷേപത്തിൽ നിന്ന് ഇക്വിറ്റി വരുമാനം നേടാനും കഴിയും.

ഈ സ്കീമിന്റെ മറ്റ് ചില പ്രധാന സവിശേഷതകൾ നോക്കുന്നതിന് മുമ്പ്, നമുക്ക് മികച്ച ELSS നികുതി ലാഭിക്കൽ പരിശോധിക്കാംമ്യൂച്വൽ ഫണ്ടുകൾ 2022 - 2023 ലേക്ക്.

നികുതി ലാഭിക്കുന്നതിന് ELSS തിരഞ്ഞെടുക്കുന്നത് എന്തുകൊണ്ട്?

ELSS ന്റെ മറ്റ് പ്രധാന നേട്ടങ്ങൾ ഇവയാണ്:

നികുതി രഹിത റിട്ടേണുകൾ

2018 ലെ ബജറ്റ് അനുസരിച്ച്, ELSS ദീർഘകാലത്തേക്ക് ആകർഷിക്കുംമൂലധനം നേട്ടങ്ങൾ (LTCG). ദീർഘകാലാടിസ്ഥാനത്തിൽ നിക്ഷേപകർക്ക് 10% (ഇൻഡക്സേഷൻ ഇല്ലാതെ) നികുതി ചുമത്തുംമൂലധന നേട്ടം നികുതി. ഒരു ലക്ഷം രൂപ വരെയുള്ള നേട്ടങ്ങൾക്ക് നികുതിയില്ല. ഒരു ലക്ഷത്തിന് മുകളിലുള്ള നേട്ടങ്ങൾക്ക് 10% നികുതി ബാധകമാണ്.

ഏറ്റവും കുറഞ്ഞ നിക്ഷേപ തുക

എ എടുക്കുന്നതിലൂടെഎസ്.ഐ.പി റൂട്ടിൽ, നിക്ഷേപകർക്ക് 500 രൂപ വരെ കുറഞ്ഞ തുക നിക്ഷേപിക്കാം. ഇത് ഒരു വ്യക്തിയെ അനുവദിക്കുന്നുപണം ലാഭിക്കുക ഒരു തുകയ്ക്ക് പകരം എല്ലാ മാസവും.

ഇക്വിറ്റി റിട്ടേൺസ്

ഈ മ്യൂച്വൽ ഫണ്ടുകൾ ഇക്വിറ്റിയുമായി ബന്ധപ്പെട്ട ഉപകരണങ്ങളിൽ നിക്ഷേപിക്കുന്നതിനാൽ, നിങ്ങൾ നിക്ഷേപിക്കുന്ന പണം സ്റ്റോക്കായി വളരുന്നുവിപണി വളരുന്നു. അതിനാൽ, ELSS ഫണ്ടുകളിൽ നേട്ടങ്ങൾ ഉയർന്നതാണ്.

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മികച്ച പ്രകടനം കാഴ്ചവയ്ക്കുന്ന ELSS നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകൾ FY 22 - 23

Fund	NAV	Net Assets (Cr)	Rating	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	☆☆☆	1.2	15.4	35.5	20.6	17.4
Motilal Oswal Long Term Equity Fund Growth	₹55.8856 ↓ -0.22	₹4,862	Not Rated	1.6	13.9	9.1	21.5	16.6	-9.1
JM Tax Gain Fund Growth	₹52.9596 ↑ 0.08	₹232	☆☆☆	7.8	9.9	12.1	16.8	15	2.5
Nippon India Tax Saver Fund (ELSS) Growth	₹133.16 ↓ -0.02	₹14,880	☆☆☆	1.8	2.6	4.9	13.9	13.2	6
Tata India Tax Savings Fund Growth	₹47.7254 ↑ 0.11	₹4,597	☆☆☆☆☆	3.7	5.1	9.7	13.2	12.9	4.9
Franklin India Taxshield Growth	₹1,456.69 ↓ -2.01	₹6,166	☆☆	2.9	-0.6	0.3	12.6	12.6	2.1
BNP Paribas Long Term Equity Fund (ELSS) Growth	₹102.489 ↓ -0.25	₹897	☆☆☆	3.7	4.5	9.3	16.2	12.3	4.8
Kotak Tax Saver Fund Growth	₹118.731 ↓ -0.16	₹6,197	☆☆☆	3.6	1.8	4.7	11.9	12	1.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Jan 22

Research Highlights & Commentary of 8 Funds showcased

Commentary	HDFC Long Term Advantage Fund	Motilal Oswal Long Term Equity Fund	JM Tax Gain Fund	Nippon India Tax Saver Fund (ELSS)	Tata India Tax Savings Fund	Franklin India Taxshield	BNP Paribas Long Term Equity Fund (ELSS)	Kotak Tax Saver Fund
Point 1	Lower mid AUM (₹1,318 Cr).	Upper mid AUM (₹4,862 Cr).	Bottom quartile AUM (₹232 Cr).	Highest AUM (₹14,880 Cr).	Lower mid AUM (₹4,597 Cr).	Upper mid AUM (₹6,166 Cr).	Bottom quartile AUM (₹897 Cr).	Top quartile AUM (₹6,197 Cr).
Point 2	Established history (25+ yrs).	Established history (11+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (11+ yrs).	Oldest track record among peers (27 yrs).	Established history (20+ yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (top quartile).	Not Rated.	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).
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.
Point 5	5Y return: 17.39% (top quartile).	5Y return: 16.56% (top quartile).	5Y return: 14.96% (upper mid).	5Y return: 13.23% (upper mid).	5Y return: 12.94% (lower mid).	5Y return: 12.65% (lower mid).	5Y return: 12.31% (bottom quartile).	5Y return: 12.02% (bottom quartile).
Point 6	3Y return: 20.64% (top quartile).	3Y return: 21.49% (top quartile).	3Y return: 16.80% (upper mid).	3Y return: 13.89% (lower mid).	3Y return: 13.22% (lower mid).	3Y return: 12.57% (bottom quartile).	3Y return: 16.17% (upper mid).	3Y return: 11.87% (bottom quartile).
Point 7	1Y return: 35.51% (top quartile).	1Y return: 9.12% (lower mid).	1Y return: 12.11% (top quartile).	1Y return: 4.87% (lower mid).	1Y return: 9.66% (upper mid).	1Y return: 0.32% (bottom quartile).	1Y return: 9.27% (upper mid).	1Y return: 4.68% (bottom quartile).
Point 8	Alpha: 1.75 (lower mid).	Alpha: 6.27 (top quartile).	Alpha: 4.31 (top quartile).	Alpha: 1.35 (lower mid).	Alpha: 4.23 (upper mid).	Alpha: -5.69 (bottom quartile).	Alpha: 2.78 (upper mid).	Alpha: -1.55 (bottom quartile).
Point 9	Sharpe: 2.27 (top quartile).	Sharpe: 0.02 (top quartile).	Sharpe: -0.11 (upper mid).	Sharpe: -0.24 (lower mid).	Sharpe: -0.09 (upper mid).	Sharpe: -0.69 (bottom quartile).	Sharpe: -0.15 (lower mid).	Sharpe: -0.41 (bottom quartile).
Point 10	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.76 (top quartile).	Information ratio: 0.50 (upper mid).	Information ratio: 0.67 (top quartile).	Information ratio: 0.22 (lower mid).	Information ratio: 0.11 (lower mid).	Information ratio: 0.58 (upper mid).	Information ratio: -0.31 (bottom quartile).

HDFC Long Term Advantage Fund

Lower mid AUM (₹1,318 Cr).
Established history (25+ yrs).
Rating: 3★ (top 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 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹4,862 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.56% (top quartile).
3Y return: 21.49% (top quartile).
1Y return: 9.12% (lower mid).
Alpha: 6.27 (top quartile).
Sharpe: 0.02 (top quartile).
Information ratio: 0.76 (top quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹232 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.96% (upper mid).
3Y return: 16.80% (upper mid).
1Y return: 12.11% (top quartile).
Alpha: 4.31 (top quartile).
Sharpe: -0.11 (upper mid).
Information ratio: 0.50 (upper mid).

Nippon India Tax Saver Fund (ELSS)

Highest AUM (₹14,880 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.23% (upper mid).
3Y return: 13.89% (lower mid).
1Y return: 4.87% (lower mid).
Alpha: 1.35 (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: 0.67 (top quartile).

Tata India Tax Savings Fund

Lower mid AUM (₹4,597 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.94% (lower mid).
3Y return: 13.22% (lower mid).
1Y return: 9.66% (upper mid).
Alpha: 4.23 (upper mid).
Sharpe: -0.09 (upper mid).
Information ratio: 0.22 (lower mid).

Franklin India Taxshield

Upper mid AUM (₹6,166 Cr).
Oldest track record among peers (27 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.65% (lower mid).
3Y return: 12.57% (bottom quartile).
1Y return: 0.32% (bottom quartile).
Alpha: -5.69 (bottom quartile).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.11 (lower mid).

BNP Paribas Long Term Equity Fund (ELSS)

Bottom quartile AUM (₹897 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.31% (bottom quartile).
3Y return: 16.17% (upper mid).
1Y return: 9.27% (upper mid).
Alpha: 2.78 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.58 (upper mid).

Kotak Tax Saver Fund

Top quartile AUM (₹6,197 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.02% (bottom quartile).
3Y return: 11.87% (bottom quartile).
1Y return: 4.68% (bottom quartile).
Alpha: -1.55 (bottom quartile).
Sharpe: -0.41 (bottom quartile).
Information ratio: -0.31 (bottom quartile).

*ഇഎൽഎസ്എസിന്റെ ലിസ്റ്റ് മുകളിലാണ് -ഇക്വിറ്റി മ്യൂച്വൽ ഫണ്ടുകൾ തമ്മിൽ അറ്റ ആസ്തികൾ ഉണ്ട്100 - 15000 കഴിഞ്ഞ 3 വർഷം മുതൽ കോടികളും ആസ്തികളും കൈകാര്യം ചെയ്യുന്നു. കഴിഞ്ഞ 5 വർഷത്തെ റിട്ടേണുകളുടെ അടിസ്ഥാനത്തിൽ ക്രമീകരിച്ചത്വാർഷികം/സിഎജിആർ അടിസ്ഥാനം.

ELSS ഫണ്ടിൽ ആർക്കൊക്കെ നിക്ഷേപിക്കാം?

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

അതിനാൽ, നികുതി ലാഭിക്കുകയും നിക്ഷേപം വഴി ഒരേ സമയം നല്ല വരുമാനം നേടുകയും ചെയ്യുകമികച്ച മറ്റ് ഫണ്ടുകൾ. ELSS ഫണ്ടുകളിൽ നിക്ഷേപിച്ച തുക 3 വർഷത്തേക്ക് ലോക്ക് ചെയ്തിട്ടുണ്ടെന്ന് നിക്ഷേപകർ അറിഞ്ഞിരിക്കണം.

നിക്ഷേപകർക്ക് ELSS മ്യൂച്വൽ ഫണ്ടുകളിൽ SIP (സിസ്റ്റമാറ്റിക്) യുടെ ലംപ്സം (ഒറ്റത്തവണ) ആയി നിക്ഷേപിക്കാംനിക്ഷേപ പദ്ധതി). തുടക്കക്കാർ സാധാരണയായി SIP ഉപയോഗിച്ച് നിക്ഷേപിക്കാൻ നിർദ്ദേശിക്കുന്നു, അത് അവർക്ക് കൂടുതൽ അനുയോജ്യമാണ്.

1. 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 (25+ yrs).
Rating: 3★ (top 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 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

Below is the key information for HDFC Long Term Advantage Fund

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

Growth of 10,000 investment over the years.

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 14 Jan 22

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

2. Motilal Oswal Long Term Equity Fund

(Erstwhile Motilal Oswal MOSt Focused Long Term Fund)

The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹4,862 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.56% (top quartile).
3Y return: 21.49% (top quartile).
1Y return: 9.12% (lower mid).
Alpha: 6.27 (top quartile).
Sharpe: 0.02 (top quartile).
Information ratio: 0.76 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Multi Commodity Exchange of India Ltd (~5.7%).

Below is the key information for Motilal Oswal Long Term Equity Fund

Motilal Oswal Long Term Equity Fund Growth
Launch Date	21 Jan 15
NAV (07 Aug 26)	₹55.8856 ↓ -0.22 (-0.40 %)
Net Assets (Cr)	₹4,862 on 30 Jun 26
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	0.02
Information Ratio	0.76
Alpha Ratio	6.27
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	₹9,920
31 Jul 23	₹12,253
31 Jul 24	₹19,527
31 Jul 25	₹20,258
31 Jul 26	₹21,303

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Motilal Oswal 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 14 Jan 22

Duration	Returns
1 Month	1.5%
3 Month	1.6%
6 Month	13.9%
1 Year	9.1%
3 Year	21.5%
5 Year	16.6%
10 Year
15 Year
Since launch	16.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-9.1%
2023	47.7%
2022	37%
2021	1.8%
2020	32.1%
2019	8.8%
2018	13.2%
2017	-8.7%
2016	44%
2015	12.5%

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Varun Sharma	3 Jul 26	0.08 Yr.
Ajay Khandelwal	11 Dec 23	2.64 Yr.
Ankit Agarwal	16 Mar 26	0.38 Yr.
Rakesh Shetty	22 Nov 22	3.69 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	26.3%
Financial Services	24.52%
Consumer Cyclical	16.25%
Basic Materials	14.86%
Technology	13.21%
Health Care	4.14%

Asset Allocation

Asset Class	Value
Cash	0.73%
Equity	99.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	6%	₹275 Cr	968,520 ↓ -172,342
Ather Energy Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| ATHERENERG	5%	₹227 Cr	1,990,789
Zen Technologies Ltd (Industrials) Equity, Since 31 Dec 24 \| ZENTEC	4%	₹215 Cr	1,214,938 ↓ -3,590
Apar Industries Ltd (Industrials) Equity, Since 31 Dec 23 \| APARINDS	4%	₹205 Cr	130,439 ↓ -3,561
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	4%	₹201 Cr	1,221,228
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	4%	₹198 Cr	115,181
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	4%	₹195 Cr	493,050 ↑ 31,259
Suzlon Energy Ltd (Industrials) Equity, Since 31 Jan 24 \| SUZLON	4%	₹191 Cr	32,483,092
Shriram Finance Ltd (Financial Services) Equity, Since 31 Dec 25 \| SHRIRAMFIN	4%	₹180 Cr	1,725,541
Billionbrains Garage Ventures Ltd (Financial Services) Equity, Since 30 Nov 25 \| GROWW	4%	₹177 Cr	8,751,187

3. JM Tax Gain Fund

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

Research Highlights for JM Tax Gain Fund

Bottom quartile AUM (₹232 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.96% (upper mid).
3Y return: 16.80% (upper mid).
1Y return: 12.11% (top quartile).
Alpha: 4.31 (top quartile).
Sharpe: -0.11 (upper mid).
Information ratio: 0.50 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Syrma SGS Technology Ltd (~3.6%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (07 Aug 26)	₹52.9596 ↑ 0.08 (0.14 %)
Net Assets (Cr)	₹232 on 30 Jun 26
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.11
Information Ratio	0.5
Alpha Ratio	4.31
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	₹10,560
31 Jul 23	₹12,857
31 Jul 24	₹19,571
31 Jul 25	₹18,435
31 Jul 26	₹19,965

JM Tax Gain 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 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 14 Jan 22

Duration	Returns
1 Month	4.2%
3 Month	7.8%
6 Month	9.9%
1 Year	12.1%
3 Year	16.8%
5 Year	15%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.5%
2023	29%
2022	30.9%
2021	0.5%
2020	32.2%
2019	18.3%
2018	14.9%
2017	-4.6%
2016	42.6%
2015	5.2%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.83 Yr.
Asit Bhandarkar	31 Dec 21	4.59 Yr.
Ruchi Fozdar	4 Oct 24	1.82 Yr.
Deepak Gupta	11 Apr 25	1.31 Yr.

Data below for JM Tax Gain Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	27.85%
Consumer Cyclical	18.77%
Technology	10.84%
Industrials	10%
Basic Materials	7.92%
Health Care	7.91%
Real Estate	3.85%
Consumer Defensive	3.54%
Energy	2.97%
Communication Services	2.63%
Utility	1.19%

Asset Allocation

Asset Class	Value
Cash	2.53%
Equity	97.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	4%	₹8 Cr	59,457
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	3%	₹8 Cr	98,262
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹7 Cr	48,500
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	32,950
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 590003	3%	₹6 Cr	199,000
Polycab India Ltd (Industrials) Equity, Since 31 Jul 25 \| POLYCAB	3%	₹6 Cr	5,900
Wework India Management Ltd (Real Estate) Equity, Since 31 Oct 25 \| WEWORK	2%	₹6 Cr	83,621
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	2%	₹6 Cr	13,672 ↓ -1,275
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 30 Apr 25 \| MAXHEALTH	2%	₹6 Cr	49,900

4. Nippon India Tax Saver Fund (ELSS)

The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. However, there can be no assurance that the scheme’s investment objective shall be achieved.

Research Highlights for Nippon India Tax Saver Fund (ELSS)

Highest AUM (₹14,880 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.23% (upper mid).
3Y return: 13.89% (lower mid).
1Y return: 4.87% (lower mid).
Alpha: 1.35 (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: 0.67 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~7.4%).

Below is the key information for Nippon India Tax Saver Fund (ELSS)

Nippon India Tax Saver Fund (ELSS) Growth
Launch Date	21 Sep 05
NAV (07 Aug 26)	₹133.16 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹14,880 on 30 Jun 26
Category	Equity - ELSS
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.24
Information Ratio	0.67
Alpha Ratio	1.35
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	₹10,954
31 Jul 23	₹12,948
31 Jul 24	₹18,666
31 Jul 25	₹18,313
31 Jul 26	₹18,772

Nippon India Tax Saver Fund (ELSS) 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 Nippon India Tax Saver 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 14 Jan 22

Duration	Returns
1 Month	0.9%
3 Month	1.8%
6 Month	2.6%
1 Year	4.9%
3 Year	13.9%
5 Year	13.2%
10 Year
15 Year
Since launch	13.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6%
2023	17.6%
2022	28.6%
2021	6.9%
2020	37.6%
2019	-0.4%
2018	1.5%
2017	-20.7%
2016	46%
2015	4.2%

Fund Manager information for Nippon India Tax Saver Fund (ELSS)

Name	Since	Tenure
Rupesh Patel	1 Jul 21	5.09 Yr.
Ritesh Rathod	19 Aug 24	1.95 Yr.
Kinjal Desai	25 May 18	8.19 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

Data below for Nippon India Tax Saver Fund (ELSS) as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	34.83%
Consumer Cyclical	13.96%
Industrials	11.49%
Consumer Defensive	8.78%
Utility	7.21%
Health Care	7.14%
Energy	4.96%
Communication Services	4.22%
Technology	3.73%
Basic Materials	2.37%

Asset Allocation

Asset Class	Value
Cash	1.31%
Equity	98.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| ICICIBANK	7%	₹1,100 Cr	8,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	7%	₹973 Cr	12,200,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| 532215	4%	₹632 Cr	4,700,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| MOTHERSON	3%	₹518 Cr	35,000,000
State Bank of India (Financial Services) Equity, Since 31 Dec 13 \| SBIN	3%	₹503 Cr	4,900,000
NTPC Ltd (Utilities) Equity, Since 28 Feb 19 \| 532555	3%	₹499 Cr	14,000,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 20 \| RELIANCE	3%	₹440 Cr	3,400,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	3%	₹424 Cr	2,290,000
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Nov 22 \| 532810	3%	₹387 Cr	9,111,111
Infosys Ltd (Technology) Equity, Since 31 Mar 20 \| INFY	3%	₹380 Cr	3,800,000

5. 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

Lower mid AUM (₹4,597 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.94% (lower mid).
3Y return: 13.22% (lower mid).
1Y return: 9.66% (upper mid).
Alpha: 4.23 (upper mid).
Sharpe: -0.09 (upper 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 (~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 (07 Aug 26)	₹47.7254 ↑ 0.11 (0.23 %)
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 14 Jan 22

Duration	Returns
1 Month	2.7%
3 Month	3.7%
6 Month	5.1%
1 Year	9.7%
3 Year	13.2%
5 Year	12.9%
10 Year
15 Year
Since launch	14.1%

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	4.63 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

6. Franklin India Taxshield

The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate

Research Highlights for Franklin India Taxshield

Upper mid AUM (₹6,166 Cr).
Oldest track record among peers (27 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.65% (lower mid).
3Y return: 12.57% (bottom quartile).
1Y return: 0.32% (bottom quartile).
Alpha: -5.69 (bottom quartile).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.11 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~8.4%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (07 Aug 26)	₹1,456.69 ↓ -2.01 (-0.14 %)
Net Assets (Cr)	₹6,166 on 30 Jun 26
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.69
Information Ratio	0.11
Alpha Ratio	-5.69
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	₹10,696
31 Jul 23	₹13,045
31 Jul 24	₹18,863
31 Jul 25	₹18,749
31 Jul 26	₹18,284

Franklin India Taxshield 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 Franklin India Taxshield

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	1.3%
3 Month	2.9%
6 Month	-0.6%
1 Year	0.3%
3 Year	12.6%
5 Year	12.6%
10 Year
15 Year
Since launch	20%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.1%
2023	22.4%
2022	31.2%
2021	5.4%
2020	36.7%
2019	9.8%
2018	5.1%
2017	-3%
2016	29.1%
2015	4.7%

Fund Manager information for Franklin India Taxshield

Name	Since	Tenure
R. Janakiraman	2 May 16	10.25 Yr.
Rajasa Kakulavarapu	1 Dec 23	2.67 Yr.

Data below for Franklin India Taxshield as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	32.9%
Industrials	15.08%
Consumer Cyclical	9.04%
Technology	7.55%
Basic Materials	6.85%
Health Care	5.43%
Consumer Defensive	5.36%
Energy	4.08%
Utility	3.89%
Communication Services	3.19%
Real Estate	1.05%

Asset Allocation

Asset Class	Value
Cash	5.58%
Equity	94.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	8%	₹520 Cr	6,520,834
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	7%	₹454 Cr	3,297,903
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	5%	₹333 Cr	2,477,634
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹297 Cr	717,322
State Bank of India (Financial Services) Equity, Since 31 Aug 15 \| SBIN	5%	₹291 Cr	2,833,344
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| ETERNAL	3%	₹198 Cr	7,500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	3%	₹196 Cr	1,060,541
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Nov 17 \| KOTAKBANK	3%	₹195 Cr	4,981,055
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	3%	₹191 Cr	1,911,441
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹191 Cr	1,472,922

7. 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)

Bottom quartile AUM (₹897 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.31% (bottom quartile).
3Y return: 16.17% (upper mid).
1Y return: 9.27% (upper mid).
Alpha: 2.78 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.58 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~4.0%).

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 (07 Aug 26)	₹102.489 ↓ -0.25 (-0.24 %)
Net Assets (Cr)	₹897 on 30 Jun 26
Category	Equity - ELSS
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.21
Sharpe Ratio	-0.15
Information Ratio	0.58
Alpha Ratio	2.78
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	₹10,148
31 Jul 23	₹11,674
31 Jul 24	₹16,605
31 Jul 25	₹16,796
31 Jul 26	₹17,912

BNP Paribas Long Term Equity Fund (ELSS) 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 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 14 Jan 22

Duration	Returns
1 Month	3.4%
3 Month	3.7%
6 Month	4.5%
1 Year	9.3%
3 Year	16.2%
5 Year	12.3%
10 Year
15 Year
Since launch	12%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.8%
2023	23.6%
2022	31.3%
2021	-2.1%
2020	23.6%
2019	17.8%
2018	14.3%
2017	-9.3%
2016	42.3%
2015	-6.6%

Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)

Name	Since	Tenure
Silky Jain	1 Jul 26	0.08 Yr.
Yash Mehta	1 May 26	0.25 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	29.83%
Consumer Cyclical	15.89%
Industrials	14.15%
Basic Materials	9.41%
Technology	6.81%
Health Care	6.63%
Energy	5.11%
Consumer Defensive	4.03%
Utility	3.08%
Communication Services	2.48%

Asset Allocation

Asset Class	Value
Cash	2.55%
Equity	97.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	4%	₹36 Cr	450,000 ↓ -100,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	4%	₹34 Cr	250,000
State Bank of India (Financial Services) Equity, Since 31 Mar 22 \| SBIN	4%	₹34 Cr	330,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	3%	₹31 Cr	240,000 ↓ -41,800
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 20 \| LT	3%	₹29 Cr	70,000 ↑ 5,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| TITAN	3%	₹24 Cr	55,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Nov 24 \| 500103	3%	₹24 Cr	580,000 ↓ -121,626
Navin Fluorine International Ltd (Basic Materials) Equity, Since 31 Jul 24 \| NAVINFLUOR	3%	₹24 Cr	31,031 ↓ -654
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 31 Jan 25 \| RADICO	3%	₹23 Cr	59,011 ↓ -989
Hitachi Energy India Ltd Ordinary Shares (Industrials) Equity, Since 31 Aug 23 \| POWERINDIA	3%	₹23 Cr	6,500 ↓ -2,266

8. 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

Top quartile AUM (₹6,197 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.02% (bottom quartile).
3Y return: 11.87% (bottom quartile).
1Y return: 4.68% (bottom quartile).
Alpha: -1.55 (bottom quartile).
Sharpe: -0.41 (bottom quartile).
Information ratio: -0.31 (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 Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (07 Aug 26)	₹118.731 ↓ -0.16 (-0.14 %)
Net Assets (Cr)	₹6,197 on 30 Jun 26
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.41
Information Ratio	-0.31
Alpha Ratio	-1.55
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	₹10,695
31 Jul 23	₹12,879
31 Jul 24	₹18,039
31 Jul 25	₹17,331
31 Jul 26	₹17,638

Kotak 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 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 14 Jan 22

Duration	Returns
1 Month	1.6%
3 Month	3.6%
6 Month	1.8%
1 Year	4.7%
3 Year	11.9%
5 Year	12%
10 Year
15 Year
Since launch	12.7%

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	10.94 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.81%
Industrials	13.23%
Consumer Cyclical	11.53%
Basic Materials	8.36%
Health Care	7.03%
Energy	6.06%
Technology	5.85%
Communication Services	5.02%
Consumer Defensive	4.55%
Utility	4.43%

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 Jul 23 \| HDFCBANK	8%	₹479 Cr	6,000,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹323 Cr	3,150,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹316 Cr	2,300,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹225 Cr	1,215,714
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹185 Cr	5,200,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹169 Cr	1,200,000
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 14 \| LT	3%	₹166 Cr	400,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| ETERNAL	3%	₹159 Cr	6,000,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	3%	₹158 Cr	1,575,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 30 Sep 21 \| SUNPHARMA	2%	₹149 Cr	800,000 ↑ 50,000

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

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