8 മികച്ച ELSS നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on September 1, 2025 , 65088 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 (%)
Motilal Oswal Long Term Equity Fund Growth	₹51.2326 ↑ 0.50	₹4,402	Not Rated	-0.6	24.5	-1.6	24.8	24.8	47.7
Franklin India Taxshield Growth	₹1,455.12 ↑ 5.86	₹6,706	☆☆	-0.2	12.1	-3.6	18.3	22.7	22.4
Bandhan Tax Advantage (ELSS) Fund Growth	₹150.537 ↑ 0.79	₹6,974	☆☆☆☆☆	1.4	12.9	-4.9	15.1	22.6	13.1
JM Tax Gain Fund Growth	₹48.6526 ↑ 0.32	₹207	☆☆☆	3.8	15.5	-6.2	19.8	22.6	29
BOI AXA Tax Advantage Fund Growth	₹157.7 ↑ 0.90	₹1,397	☆☆☆	-0.5	16.3	-10.3	16.8	21.3	21.6
Kotak Tax Saver Fund Growth	₹114.558 ↑ 0.62	₹6,355	☆☆☆	1.2	15.6	-3.9	15.7	20.7	21.8
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth	₹934.26 ↑ 6.37	₹14,403	☆☆	2.7	16.1	-0.2	16.3	20.3	16.4
Mahindra Mutual Fund Kar Bachat Yojana Growth	₹28.3982 ↑ 0.12	₹953	Not Rated	1.6	15.2	-2.3	14.2	20.1	12.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	Franklin India Taxshield	Bandhan Tax Advantage (ELSS) Fund	JM Tax Gain Fund	BOI AXA Tax Advantage Fund	Kotak Tax Saver Fund	ICICI Prudential Long Term Equity Fund (Tax Saving)	Mahindra Mutual Fund Kar Bachat Yojana
Point 1	Lower mid AUM (₹4,402 Cr).	Upper mid AUM (₹6,706 Cr).	Top quartile AUM (₹6,974 Cr).	Bottom quartile AUM (₹207 Cr).	Lower mid AUM (₹1,397 Cr).	Upper mid AUM (₹6,355 Cr).	Highest AUM (₹14,403 Cr).	Bottom quartile AUM (₹953 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (26 yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).	Established history (26+ yrs).	Established history (8+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Top rated.	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Not Rated.
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: 24.79% (top quartile).	5Y return: 22.69% (top quartile).	5Y return: 22.61% (upper mid).	5Y return: 22.58% (upper mid).	5Y return: 21.27% (lower mid).	5Y return: 20.71% (lower mid).	5Y return: 20.30% (bottom quartile).	5Y return: 20.10% (bottom quartile).
Point 6	3Y return: 24.77% (top quartile).	3Y return: 18.32% (upper mid).	3Y return: 15.07% (bottom quartile).	3Y return: 19.79% (top quartile).	3Y return: 16.82% (upper mid).	3Y return: 15.69% (lower mid).	3Y return: 16.27% (lower mid).	3Y return: 14.20% (bottom quartile).
Point 7	1Y return: -1.60% (top quartile).	1Y return: -3.58% (upper mid).	1Y return: -4.88% (lower mid).	1Y return: -6.21% (bottom quartile).	1Y return: -10.31% (bottom quartile).	1Y return: -3.87% (lower mid).	1Y return: -0.22% (top quartile).	1Y return: -2.35% (upper mid).
Point 8	Alpha: 11.36 (top quartile).	Alpha: 0.15 (upper mid).	Alpha: -3.48 (lower mid).	Alpha: -3.85 (bottom quartile).	Alpha: -6.31 (bottom quartile).	Alpha: -1.90 (lower mid).	Alpha: 2.69 (top quartile).	Alpha: -1.44 (upper mid).
Point 9	Sharpe: 0.04 (top quartile).	Sharpe: -0.42 (upper mid).	Sharpe: -0.74 (bottom quartile).	Sharpe: -0.70 (lower mid).	Sharpe: -0.74 (bottom quartile).	Sharpe: -0.55 (lower mid).	Sharpe: -0.24 (top quartile).	Sharpe: -0.55 (upper mid).
Point 10	Information ratio: 0.92 (top quartile).	Information ratio: 1.22 (top quartile).	Information ratio: -0.12 (bottom quartile).	Information ratio: 0.62 (upper mid).	Information ratio: 0.33 (upper mid).	Information ratio: 0.07 (lower mid).	Information ratio: -0.11 (lower mid).	Information ratio: -0.64 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,402 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.79% (top quartile).
3Y return: 24.77% (top quartile).
1Y return: -1.60% (top quartile).
Alpha: 11.36 (top quartile).
Sharpe: 0.04 (top quartile).
Information ratio: 0.92 (top quartile).

Franklin India Taxshield

Upper mid AUM (₹6,706 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.69% (top quartile).
3Y return: 18.32% (upper mid).
1Y return: -3.58% (upper mid).
Alpha: 0.15 (upper mid).
Sharpe: -0.42 (upper mid).
Information ratio: 1.22 (top quartile).

Bandhan Tax Advantage (ELSS) Fund

Top quartile AUM (₹6,974 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.61% (upper mid).
3Y return: 15.07% (bottom quartile).
1Y return: -4.88% (lower mid).
Alpha: -3.48 (lower mid).
Sharpe: -0.74 (bottom quartile).
Information ratio: -0.12 (bottom quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹207 Cr).
Established history (17+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.58% (upper mid).
3Y return: 19.79% (top quartile).
1Y return: -6.21% (bottom quartile).
Alpha: -3.85 (bottom quartile).
Sharpe: -0.70 (lower mid).
Information ratio: 0.62 (upper mid).

BOI AXA Tax Advantage Fund

Lower mid AUM (₹1,397 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.27% (lower mid).
3Y return: 16.82% (upper mid).
1Y return: -10.31% (bottom quartile).
Alpha: -6.31 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: 0.33 (upper mid).

Kotak Tax Saver Fund

Upper mid AUM (₹6,355 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.71% (lower mid).
3Y return: 15.69% (lower mid).
1Y return: -3.87% (lower mid).
Alpha: -1.90 (lower mid).
Sharpe: -0.55 (lower mid).
Information ratio: 0.07 (lower mid).

ICICI Prudential Long Term Equity Fund (Tax Saving)

Highest AUM (₹14,403 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.30% (bottom quartile).
3Y return: 16.27% (lower mid).
1Y return: -0.22% (top quartile).
Alpha: 2.69 (top quartile).
Sharpe: -0.24 (top quartile).
Information ratio: -0.11 (lower mid).

Mahindra Mutual Fund Kar Bachat Yojana

Bottom quartile AUM (₹953 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.10% (bottom quartile).
3Y return: 14.20% (bottom quartile).
1Y return: -2.35% (upper mid).
Alpha: -1.44 (upper mid).
Sharpe: -0.55 (upper mid).
Information ratio: -0.64 (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. 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

Lower mid AUM (₹4,402 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.79% (top quartile).
3Y return: 24.77% (top quartile).
1Y return: -1.60% (top quartile).
Alpha: 11.36 (top quartile).
Sharpe: 0.04 (top quartile).
Information ratio: 0.92 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Eternal Ltd (~6.3%).

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 (03 Sep 25)	₹51.2326 ↑ 0.50 (0.99 %)
Net Assets (Cr)	₹4,402 on 31 Jul 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	0.04
Information Ratio	0.92
Alpha Ratio	11.36
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,372
31 Aug 22	₹16,008
31 Aug 23	₹19,372
31 Aug 24	₹31,421
31 Aug 25	₹29,948

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 3 Sep 25

Duration	Returns
1 Month	-0.3%
3 Month	-0.6%
6 Month	24.5%
1 Year	-1.6%
3 Year	24.8%
5 Year	24.8%
10 Year
15 Year
Since launch	16.6%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Ajay Khandelwal	11 Dec 23	1.73 Yr.
Rakesh Shetty	22 Nov 22	2.78 Yr.
Atul Mehra	1 Oct 24	0.92 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	31.5%
Financial Services	22.55%
Consumer Cyclical	17.85%
Technology	11.38%
Basic Materials	5.89%
Real Estate	4.55%
Health Care	3.01%
Communication Services	1.57%

Asset Allocation

Asset Class	Value
Cash	1.68%
Equity	98.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	6%	₹276 Cr	8,970,581
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	5%	₹200 Cr	1,231,856 ↑ 176,651
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹191 Cr	240,350
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	4%	₹191 Cr	248,438
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Jun 23 \| KAYNES	4%	₹179 Cr	289,593 ↓ -8,158
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Dec 23 \| BDL	4%	₹171 Cr	1,056,315
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	4%	₹155 Cr	430,073 ↑ 12,083
Suzlon Energy Ltd (Industrials) Equity, Since 31 Jan 24 \| SUZLON	3%	₹152 Cr	24,702,337
Bharat Electronics Ltd (Industrials) Equity, Since 30 Apr 24 \| BEL	3%	₹147 Cr	3,832,775 ↓ -117,225
Piramal Enterprises Ltd (Financial Services) Equity, Since 31 Jul 24 \| 500302	3%	₹146 Cr	1,168,384

2. 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 (₹6,706 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.69% (top quartile).
3Y return: 18.32% (upper mid).
1Y return: -3.58% (upper mid).
Alpha: 0.15 (upper mid).
Sharpe: -0.42 (upper mid).
Information ratio: 1.22 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding ICICI Bank Ltd (~10.0%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (03 Sep 25)	₹1,455.12 ↑ 5.86 (0.40 %)
Net Assets (Cr)	₹6,706 on 31 Jul 25
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.43
Information Ratio	1.22
Alpha Ratio	0.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,868
31 Aug 22	₹17,069
31 Aug 23	₹19,970
31 Aug 24	₹29,191
31 Aug 25	₹27,899

Franklin India Taxshield 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 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 3 Sep 25

Duration	Returns
1 Month	-0.1%
3 Month	-0.2%
6 Month	12.1%
1 Year	-3.6%
3 Year	18.3%
5 Year	22.7%
10 Year
15 Year
Since launch	20.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	22.4%
2023	31.2%
2022	5.4%
2021	36.7%
2020	9.8%
2019	5.1%
2018	-3%
2017	29.1%
2016	4.7%
2015	4%

Fund Manager information for Franklin India Taxshield

Name	Since	Tenure
R. Janakiraman	2 May 16	9.34 Yr.
Rajasa Kakulavarapu	1 Dec 23	1.75 Yr.

Data below for Franklin India Taxshield as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	30.67%
Consumer Cyclical	11.95%
Industrials	11.91%
Technology	8.54%
Health Care	6.9%
Basic Materials	5.56%
Consumer Defensive	5.13%
Utility	4.96%
Communication Services	4.88%
Energy	3.05%
Real Estate	1.83%

Asset Allocation

Asset Class	Value
Cash	4.61%
Equity	95.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	10%	₹674 Cr	4,546,914
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	10%	₹658 Cr	3,260,417
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹321 Cr	883,853
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	4%	₹291 Cr	1,517,753
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	4%	₹290 Cr	1,922,741
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	4%	₹241 Cr	2,252,948
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| 543320	3%	₹231 Cr	7,500,000
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 21 \| HCLTECH	3%	₹215 Cr	1,462,587
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹205 Cr	1,472,922
Grasim Industries Ltd (Basic Materials) Equity, Since 30 Jun 11 \| GRASIM	3%	₹188 Cr	685,013

3. 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

Top quartile AUM (₹6,974 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.61% (upper mid).
3Y return: 15.07% (bottom quartile).
1Y return: -4.88% (lower mid).
Alpha: -3.48 (lower mid).
Sharpe: -0.74 (bottom quartile).
Information ratio: -0.12 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~8.2%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (03 Sep 25)	₹150.537 ↑ 0.79 (0.53 %)
Net Assets (Cr)	₹6,974 on 31 Jul 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.74
Information Ratio	-0.12
Alpha Ratio	-3.48
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,881
31 Aug 22	₹18,545
31 Aug 23	₹22,104
31 Aug 24	₹29,535
31 Aug 25	₹27,817

Bandhan Tax Advantage (ELSS) 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 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 Sep 25

Duration	Returns
1 Month	1.2%
3 Month	1.4%
6 Month	12.9%
1 Year	-4.9%
3 Year	15.1%
5 Year	22.6%
10 Year
15 Year
Since launch	17.6%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	6.9%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	8.87 Yr.
Ritika Behera	7 Oct 23	1.9 Yr.
Gaurav Satra	10 Jun 24	1.23 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.99%
Consumer Cyclical	10.27%
Basic Materials	9.49%
Technology	8.81%
Consumer Defensive	8.62%
Energy	7.52%
Health Care	6.17%
Industrials	4.97%
Communication Services	2.47%
Real Estate	2.14%
Utility	1.85%

Asset Allocation

Asset Class	Value
Cash	4.42%
Equity	95.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹575 Cr	2,850,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹459 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹370 Cr	2,500,000 ↓ -200,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹273 Cr	900,000 ↑ 50,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹267 Cr	1,350,000 ↑ 200,001
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹204 Cr	1,350,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹203 Cr	1,900,000 ↓ -600,001
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹190 Cr	2,388,280 ↑ 1,563,280
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹172 Cr	900,000 ↓ -100,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹149 Cr	350,000

4. 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 (₹207 Cr).
Established history (17+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.58% (upper mid).
3Y return: 19.79% (top quartile).
1Y return: -6.21% (bottom quartile).
Alpha: -3.85 (bottom quartile).
Sharpe: -0.70 (lower mid).
Information ratio: 0.62 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Larsen & Toubro Ltd (~5.1%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (03 Sep 25)	₹48.6526 ↑ 0.32 (0.66 %)
Net Assets (Cr)	₹207 on 31 Jul 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.7
Information Ratio	0.62
Alpha Ratio	-3.85
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,997
31 Aug 22	₹16,497
31 Aug 23	₹19,708
31 Aug 24	₹30,143
31 Aug 25	₹27,753

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 3 Sep 25

Duration	Returns
1 Month	3.3%
3 Month	3.8%
6 Month	15.5%
1 Year	-6.2%
3 Year	19.8%
5 Year	22.6%
10 Year
15 Year
Since launch	9.5%

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 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	27.77%
Consumer Cyclical	13.43%
Technology	13.34%
Industrials	13.14%
Basic Materials	12.93%
Health Care	7.59%
Energy	3.59%
Communication Services	2.84%
Consumer Defensive	2.18%
Real Estate	1.1%
Utility	0.95%

Asset Allocation

Asset Class	Value
Cash	1.1%
Equity	98.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	5%	₹11 Cr	28,947
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	5%	₹10 Cr	49,131
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	4%	₹8 Cr	56,000 ↓ -14,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	4%	₹7 Cr	53,400
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹6 Cr	55,500
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	77,750 ↓ -23,250
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	30,700
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	3%	₹6 Cr	28,195
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹5 Cr	41,601 ↓ -1,999
Infosys Ltd (Technology) Equity, Since 31 Aug 18 \| INFY	2%	₹5 Cr	32,965

5. 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

Lower mid AUM (₹1,397 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.27% (lower mid).
3Y return: 16.82% (upper mid).
1Y return: -10.31% (bottom quartile).
Alpha: -6.31 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: 0.33 (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 (~4.3%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (03 Sep 25)	₹157.7 ↑ 0.90 (0.57 %)
Net Assets (Cr)	₹1,397 on 31 Jul 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.74
Information Ratio	0.33
Alpha Ratio	-6.31
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,938
31 Aug 22	₹16,830
31 Aug 23	₹19,528
31 Aug 24	₹30,041
31 Aug 25	₹26,317

BOI AXA Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for BOI AXA Tax Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	1.2%
3 Month	-0.5%
6 Month	16.3%
1 Year	-10.3%
3 Year	16.8%
5 Year	21.3%
10 Year
15 Year
Since launch	18.2%

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 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	23.14%
Industrials	20.4%
Basic Materials	16.82%
Utility	8.32%
Technology	7.07%
Consumer Defensive	7.03%
Consumer Cyclical	4.77%
Health Care	3%
Real Estate	2.65%
Communication Services	2.55%
Energy	1.35%

Asset Allocation

Asset Class	Value
Cash	2.88%
Equity	97.11%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| 500295	4%	₹60 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
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	3%	₹48 Cr	105,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹46 Cr	1,120,000 ↑ 685,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹44 Cr	218,766
Coromandel International Ltd (Basic Materials) Equity, Since 31 Jan 23 \| 506395	3%	₹42 Cr	157,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹42 Cr	317,800
Prudent Corporate Advisory Services Ltd (Financial Services) Equity, Since 31 Oct 23 \| 543527	3%	₹39 Cr	132,407
Ambuja Cements Ltd (Basic Materials) Equity, Since 31 Mar 25 \| 500425	3%	₹38 Cr	634,000 ↑ 48,000

6. Kotak Tax Saver Fund

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

Research Highlights for Kotak Tax Saver Fund

Upper mid AUM (₹6,355 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.71% (lower mid).
3Y return: 15.69% (lower mid).
1Y return: -3.87% (lower mid).
Alpha: -1.90 (lower mid).
Sharpe: -0.55 (lower mid).
Information ratio: 0.07 (lower mid).
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 Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (03 Sep 25)	₹114.558 ↑ 0.62 (0.54 %)
Net Assets (Cr)	₹6,355 on 31 Jul 25
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.55
Information Ratio	0.07
Alpha Ratio	-1.9
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,711
31 Aug 22	₹16,822
31 Aug 23	₹19,433
31 Aug 24	₹26,968
31 Aug 25	₹25,486

Kotak Tax Saver 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 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 3 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.2%
6 Month	15.6%
1 Year	-3.9%
3 Year	15.7%
5 Year	20.7%
10 Year
15 Year
Since launch	13.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.8%
2023	23.6%
2022	6.9%
2021	33.2%
2020	14.9%
2019	12.7%
2018	-3.8%
2017	33.8%
2016	7.5%
2015	1.5%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	10.03 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	30.04%
Industrials	12.83%
Consumer Cyclical	10.34%
Basic Materials	10.18%
Technology	10.04%
Energy	6.51%
Utility	5.73%
Consumer Defensive	4.75%
Communication Services	4.52%
Health Care	4.43%

Asset Allocation

Asset Class	Value
Cash	0.63%
Equity	99.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	10%	₹605 Cr	3,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹385 Cr	2,599,780
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹237 Cr	1,239,286
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	4%	₹226 Cr	1,500,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	3%	₹215 Cr	2,700,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹198 Cr	1,350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| 532215	3%	₹187 Cr	1,750,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹167 Cr	5,000,000
Bosch Ltd (Consumer Cyclical) Equity, Since 28 Feb 23 \| 500530	3%	₹162 Cr	40,000
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 29 Feb 24 \| HINDPETRO	2%	₹157 Cr	3,750,000

7. ICICI Prudential Long Term Equity Fund (Tax Saving)

To generate long-term capital appreciation through investments made primarily in equity and equity related securities of companies.

Research Highlights for ICICI Prudential Long Term Equity Fund (Tax Saving)

Highest AUM (₹14,403 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.30% (bottom quartile).
3Y return: 16.27% (lower mid).
1Y return: -0.22% (top quartile).
Alpha: 2.69 (top quartile).
Sharpe: -0.24 (top quartile).
Information ratio: -0.11 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~8.5%).

Below is the key information for ICICI Prudential Long Term Equity Fund (Tax Saving)

ICICI Prudential Long Term Equity Fund (Tax Saving) Growth
Launch Date	19 Aug 99
NAV (03 Sep 25)	₹934.26 ↑ 6.37 (0.69 %)
Net Assets (Cr)	₹14,403 on 31 Jul 25
Category	Equity - ELSS
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	-0.24
Information Ratio	-0.11
Alpha Ratio	2.69
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,853
31 Aug 22	₹16,372
31 Aug 23	₹18,401
31 Aug 24	₹25,498
31 Aug 25	₹25,279

ICICI Prudential Long Term Equity Fund (Tax Saving) 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 ICICI Prudential Long Term Equity Fund (Tax Saving)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	2%
3 Month	2.7%
6 Month	16.1%
1 Year	-0.2%
3 Year	16.3%
5 Year	20.3%
10 Year
15 Year
Since launch	19%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.4%
2023	23.2%
2022	2.3%
2021	33.7%
2020	13.6%
2019	8.8%
2018	0.5%
2017	26%
2016	3.9%
2015	4.3%

Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)

Name	Since	Tenure
Mittul Kalawadia	18 Sep 23	1.96 Yr.
Sharmila D’mello	31 Jul 22	3.09 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	29.77%
Consumer Cyclical	16.32%
Health Care	12.41%
Industrials	8.39%
Energy	6.66%
Consumer Defensive	6.14%
Communication Services	5.35%
Utility	4.21%
Basic Materials	4.19%
Technology	3.81%
Real Estate	1.26%

Asset Allocation

Asset Class	Value
Cash	1.5%
Equity	98.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	8%	₹1,221 Cr	8,240,391 ↓ -315,139
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 17 \| HDFCBANK	7%	₹1,044 Cr	5,173,934
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 17 \| SUNPHARMA	6%	₹837 Cr	4,905,969
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 29 Feb 20 \| 540376	5%	₹729 Cr	1,708,453
Reliance Industries Ltd (Energy) Equity, Since 31 May 20 \| RELIANCE	5%	₹721 Cr	5,185,136 ↑ 1,295,347
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	5%	₹711 Cr	6,652,223 ↑ 650,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 28 Feb 18 \| MARUTI	5%	₹688 Cr	545,897
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 18 \| LT	4%	₹596 Cr	1,638,689
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 17 \| BHARTIARTL	4%	₹593 Cr	3,100,000
NTPC Ltd (Utilities) Equity, Since 31 Oct 23 \| 532555	4%	₹563 Cr	16,848,196

8. Mahindra Mutual Fund Kar Bachat Yojana

The investment objective of the Scheme is to generate long-term capital appreciation through a diversified portfolio of equity and equity related securities. The Scheme does not guarantee or assure any returns.

Research Highlights for Mahindra Mutual Fund Kar Bachat Yojana

Bottom quartile AUM (₹953 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.10% (bottom quartile).
3Y return: 14.20% (bottom quartile).
1Y return: -2.35% (upper mid).
Alpha: -1.44 (upper mid).
Sharpe: -0.55 (upper mid).
Information ratio: -0.64 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~9.4%).

Below is the key information for Mahindra Mutual Fund Kar Bachat Yojana

Mahindra Mutual Fund Kar Bachat Yojana Growth
Launch Date	18 Oct 16
NAV (03 Sep 25)	₹28.3982 ↑ 0.12 (0.43 %)
Net Assets (Cr)	₹953 on 31 Jul 25
Category	Equity - ELSS
AMC	Mahindra Asset Management Company Pvt. Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.26
Sharpe Ratio	-0.55
Information Ratio	-0.64
Alpha Ratio	-1.44
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,300
31 Aug 22	₹17,162
31 Aug 23	₹19,556
31 Aug 24	₹25,990
31 Aug 25	₹25,063

Mahindra Mutual Fund Kar Bachat Yojana 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 Mahindra Mutual Fund Kar Bachat Yojana

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	1%
3 Month	1.6%
6 Month	15.2%
1 Year	-2.3%
3 Year	14.2%
5 Year	20.1%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.3%
2023	25.8%
2022	2%
2021	39.4%
2020	14.1%
2019	4.5%
2018	-9.8%
2017	24.8%
2016
2015

Fund Manager information for Mahindra Mutual Fund Kar Bachat Yojana

Name	Since	Tenure
Manish Lodha	21 Dec 20	4.7 Yr.
Fatema Pacha	16 Oct 20	4.88 Yr.

Data below for Mahindra Mutual Fund Kar Bachat Yojana as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	33.93%
Consumer Cyclical	14.42%
Technology	9.55%
Industrials	9.51%
Basic Materials	7.34%
Consumer Defensive	7.29%
Energy	4.95%
Health Care	4.88%
Communication Services	3.83%
Utility	2.09%

Asset Allocation

Asset Class	Value
Cash	2.22%
Equity	97.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| HDFCBANK	9%	₹90 Cr	446,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 19 \| ICICIBANK	9%	₹85 Cr	575,120
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 18 \| RELIANCE	5%	₹47 Cr	339,000 ↓ -28,708
Infosys Ltd (Technology) Equity, Since 29 Feb 20 \| INFY	5%	₹43 Cr	286,000 ↑ 30,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Aug 18 \| LT	4%	₹37 Cr	102,761
State Bank of India (Financial Services) Equity, Since 29 Feb 24 \| SBIN	3%	₹30 Cr	373,000 ↑ 30,000
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 20 \| HINDUNILVR	3%	₹29 Cr	116,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 May 19 \| TCS	3%	₹28 Cr	93,476
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 24 \| 532215	3%	₹28 Cr	260,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	3%	₹26 Cr	290,000 ↑ 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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