8 മികച്ച ELSS നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on October 29, 2026 , 66066 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 (%)	2025 (%)
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	₹52.8518 ↓ -0.71	₹4,890	Not Rated	-2.1	-1.4	-0.2	18.1	14.3	-9.1
HDFC Tax Saver Fund Growth	₹1,318.65 ↑ 2.40	₹14,949	☆☆	-4.9	-1.2	-10.1	12	12.3	10.3
Baroda Pioneer ELSS 96 Growth	₹68.6676 ↑ 0.33	₹210	Not Rated	-6.1	-3.5	17.6	16.7	11.6
JM Tax Gain Fund Growth	₹49.2907 ↓ -0.29	₹240	☆☆☆	-4.3	4.4	-2.6	14.1	11.1	2.5
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	☆☆☆	9.7	15.1	16.9	20.8	10
Nippon India Tax Saver Fund (ELSS) Growth	₹124.533 ↓ -0.30	₹14,096	☆☆☆	-5.2	-3.2	-5.9	11.2	9.9	6
Kotak Tax Saver Fund Growth	₹111.495 ↓ -0.49	₹6,071	☆☆☆	-4.8	-0.6	-5.4	9.5	9.5	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	HDFC Tax Saver Fund	Baroda Pioneer ELSS 96	JM Tax Gain Fund	IDBI Equity Advantage Fund	Nippon India Tax Saver Fund (ELSS)	Kotak Tax Saver Fund
Point 1	Lower mid AUM (₹1,318 Cr).	Upper mid AUM (₹4,890 Cr).	Highest AUM (₹14,949 Cr).	Bottom quartile AUM (₹210 Cr).	Bottom quartile AUM (₹240 Cr).	Lower mid AUM (₹485 Cr).	Top quartile AUM (₹14,096 Cr).	Upper mid AUM (₹6,071 Cr).
Point 2	Established history (25+ yrs).	Established history (11+ yrs).	Oldest track record among peers (30 yrs).	Established history (11+ yrs).	Established history (18+ yrs).	Established history (13+ yrs).	Established history (21+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 3★ (upper 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: 14.30% (top quartile).	5Y return: 12.28% (upper mid).	5Y return: 11.62% (upper mid).	5Y return: 11.06% (lower mid).	5Y return: 9.97% (lower mid).	5Y return: 9.88% (bottom quartile).	5Y return: 9.49% (bottom quartile).
Point 6	3Y return: 20.64% (top quartile).	3Y return: 18.12% (upper mid).	3Y return: 12.05% (lower mid).	3Y return: 16.70% (upper mid).	3Y return: 14.14% (lower mid).	3Y return: 20.84% (top quartile).	3Y return: 11.18% (bottom quartile).	3Y return: 9.49% (bottom quartile).
Point 7	1Y return: 35.51% (top quartile).	1Y return: -0.24% (upper mid).	1Y return: -10.08% (bottom quartile).	1Y return: 17.56% (top quartile).	1Y return: -2.58% (lower mid).	1Y return: 16.92% (upper mid).	1Y return: -5.90% (bottom quartile).	1Y return: -5.39% (lower mid).
Point 8	Alpha: 1.75 (lower mid).	Alpha: 10.14 (top quartile).	Alpha: -6.73 (bottom quartile).	Alpha: 5.69 (upper mid).	Alpha: 9.16 (top quartile).	Alpha: 1.78 (upper mid).	Alpha: -0.28 (bottom quartile).	Alpha: 1.21 (lower mid).
Point 9	Sharpe: 2.27 (top quartile).	Sharpe: 0.21 (upper mid).	Sharpe: -0.71 (bottom quartile).	Sharpe: 2.51 (top quartile).	Sharpe: 0.14 (lower mid).	Sharpe: 1.21 (upper mid).	Sharpe: -0.33 (bottom quartile).	Sharpe: -0.24 (lower mid).
Point 10	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.76 (top quartile).	Information ratio: 0.34 (upper mid).	Information ratio: -0.09 (lower mid).	Information ratio: 0.93 (top quartile).	Information ratio: -1.13 (bottom quartile).	Information ratio: 0.33 (upper mid).	Information ratio: -0.11 (lower mid).

HDFC Long Term Advantage Fund

Lower mid AUM (₹1,318 Cr).
Established history (25+ yrs).
Top rated.
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 (₹4,890 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.30% (top quartile).
3Y return: 18.12% (upper mid).
1Y return: -0.24% (upper mid).
Alpha: 10.14 (top quartile).
Sharpe: 0.21 (upper mid).
Information ratio: 0.76 (top quartile).

HDFC Tax Saver Fund

Highest AUM (₹14,949 Cr).
Oldest track record among peers (30 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.28% (upper mid).
3Y return: 12.05% (lower mid).
1Y return: -10.08% (bottom quartile).
Alpha: -6.73 (bottom quartile).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.34 (upper mid).

Baroda Pioneer ELSS 96

Bottom quartile AUM (₹210 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (upper mid).
3Y return: 16.70% (upper mid).
1Y return: 17.56% (top quartile).
Alpha: 5.69 (upper mid).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower mid).

JM Tax Gain Fund

Bottom quartile AUM (₹240 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 11.06% (lower mid).
3Y return: 14.14% (lower mid).
1Y return: -2.58% (lower mid).
Alpha: 9.16 (top quartile).
Sharpe: 0.14 (lower mid).
Information ratio: 0.93 (top quartile).

IDBI Equity Advantage Fund

Lower mid AUM (₹485 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.97% (lower mid).
3Y return: 20.84% (top quartile).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (upper mid).
Sharpe: 1.21 (upper mid).
Information ratio: -1.13 (bottom quartile).

Nippon India Tax Saver Fund (ELSS)

Top quartile AUM (₹14,096 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.88% (bottom quartile).
3Y return: 11.18% (bottom quartile).
1Y return: -5.90% (bottom quartile).
Alpha: -0.28 (bottom quartile).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.33 (upper mid).

Kotak Tax Saver Fund

Upper mid AUM (₹6,071 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.49% (bottom quartile).
3Y return: 9.49% (bottom quartile).
1Y return: -5.39% (lower mid).
Alpha: 1.21 (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: -0.11 (lower mid).

*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).
Top rated.
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
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

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 (₹4,890 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.30% (top quartile).
3Y return: 18.12% (upper mid).
1Y return: -0.24% (upper mid).
Alpha: 10.14 (top quartile).
Sharpe: 0.21 (upper mid).
Information ratio: 0.76 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
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 (30 Oct 26)	₹52.8518 ↓ -0.71 (-1.32 %)
Net Assets (Cr)	₹4,890 on 30 Sep 26
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	0.21
Information Ratio	0.76
Alpha Ratio	10.14
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,051
31 Oct 23	₹11,811
31 Oct 24	₹19,418
31 Oct 25	₹19,462
31 Oct 26	₹19,509

Motilal Oswal Long Term Equity 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 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	-4.7%
3 Month	-2.1%
6 Month	-1.4%
1 Year	-0.2%
3 Year	18.1%
5 Year	14.3%
10 Year
15 Year
Since launch	15.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-9.1%
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%

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Varun Sharma	3 Jul 26	0.25 Yr.
Ajay Khandelwal	11 Dec 23	2.81 Yr.
Ankit Agarwal	16 Mar 26	0.55 Yr.
Rakesh Shetty	22 Nov 22	3.86 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	27.32%
Financial Services	20.92%
Technology	17.82%
Consumer Cyclical	15.47%
Basic Materials	11.72%
Health Care	3.39%

Asset Allocation

Asset Class	Value
Cash	3.36%
Equity	96.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	6%	₹281 Cr	850,000
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	5%	₹256 Cr	115,181
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| PAYTM	5%	₹235 Cr	1,400,000
Sterlite Technologies Ltd (Technology) Equity, Since 31 May 26 \| STLTECH	5%	₹222 Cr	2,439,591
MTAR Technologies Ltd (Industrials) Equity, Since 31 Aug 26 \| MTARTECH	4%	₹211 Cr	271,151 ↑ 71,883
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	4%	₹206 Cr	468,050
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 30 Apr 26 \| 501423	4%	₹205 Cr	668,063
Apar Industries Ltd (Industrials) Equity, Since 31 Dec 23 \| APARINDS	4%	₹191 Cr	110,000 ↓ -20,000
Zen Technologies Ltd (Industrials) Equity, Since 31 Dec 24 \| ZENTEC	4%	₹191 Cr	1,190,000
SJS Enterprises Ltd (Consumer Cyclical) Equity, Since 31 May 26 \| SJS	4%	₹190 Cr	840,000

3. HDFC Tax Saver Fund

The fund plans to provide long term growth of capital.

Research Highlights for HDFC Tax Saver Fund

Highest AUM (₹14,949 Cr).
Oldest track record among peers (30 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.28% (upper mid).
3Y return: 12.05% (lower mid).
1Y return: -10.08% (bottom quartile).
Alpha: -6.73 (bottom quartile).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.34 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.1%).

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (30 Oct 26)	₹1,318.65 ↑ 2.40 (0.18 %)
Net Assets (Cr)	₹14,949 on 30 Sep 26
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.69
Sharpe Ratio	-0.71
Information Ratio	0.34
Alpha Ratio	-6.73
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹11,040
31 Oct 23	₹12,660
31 Oct 24	₹18,153
31 Oct 25	₹19,729
31 Oct 26	₹17,844

HDFC 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 HDFC 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	1.2%
3 Month	-4.9%
6 Month	-1.2%
1 Year	-10.1%
3 Year	12%
5 Year	12.3%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.3%
2024	21.3%
2023	33.2%
2022	10.5%
2021	35.3%
2020	5.8%
2019	3.7%
2018	-10.9%
2017	38.7%
2016	7.6%

Fund Manager information for HDFC Tax Saver Fund

Name	Since	Tenure
Amar Kalkundrikar	8 Dec 25	0.81 Yr.
Dhruv Muchhal	22 Jun 23	3.28 Yr.

Data below for HDFC Tax Saver Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Financial Services	42.82%
Consumer Cyclical	17.58%
Health Care	8.19%
Industrials	6.85%
Technology	5.93%
Basic Materials	4.54%
Communication Services	4.45%
Consumer Defensive	4.22%
Energy	2.64%
Utility	2.07%

Asset Allocation

Asset Class	Value
Cash	0.38%
Equity	99.29%
Debt	0.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,355 Cr	10,250,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	8%	₹1,176 Cr	16,600,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	7%	₹981 Cr	8,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	5%	₹730 Cr	17,500,000
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	4%	₹672 Cr	7,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	4%	₹666 Cr	3,788,193
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	4%	₹658 Cr	550,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	3%	₹479 Cr	2,825,028 ↓ -163,626
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹440 Cr	3,575,000
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	3%	₹406 Cr	2,000,000

4. Baroda Pioneer ELSS 96

The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Research Highlights for Baroda Pioneer ELSS 96

Bottom quartile AUM (₹210 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (upper mid).
3Y return: 16.70% (upper mid).
1Y return: 17.56% (top quartile).
Alpha: 5.69 (upper mid).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower mid).

Below is the key information for Baroda Pioneer ELSS 96

Baroda Pioneer ELSS 96 Growth
Launch Date	2 Mar 15
NAV (11 Mar 22)	₹68.6676 ↑ 0.33 (0.48 %)
Net Assets (Cr)	₹210 on 31 Jan 22
Category	Equity - ELSS
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.55
Sharpe Ratio	2.51
Information Ratio	-0.09
Alpha Ratio	5.69
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

Baroda Pioneer ELSS 96 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 Baroda Pioneer ELSS 96

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	-3.9%
3 Month	-6.1%
6 Month	-3.5%
1 Year	17.6%
3 Year	16.7%
5 Year	11.6%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for Baroda Pioneer ELSS 96

Name	Since	Tenure

Data below for Baroda Pioneer ELSS 96 as on 31 Jan 22

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. 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 (₹240 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 11.06% (lower mid).
3Y return: 14.14% (lower mid).
1Y return: -2.58% (lower mid).
Alpha: 9.16 (top quartile).
Sharpe: 0.14 (lower mid).
Information ratio: 0.93 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Syrma SGS Technology Ltd (~3.4%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (30 Oct 26)	₹49.2907 ↓ -0.29 (-0.59 %)
Net Assets (Cr)	₹240 on 30 Sep 26
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	0.14
Information Ratio	0.93
Alpha Ratio	9.16
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹9,902
31 Oct 23	₹11,350
31 Oct 24	₹16,974
31 Oct 25	₹17,218
31 Oct 26	₹16,894

JM Tax Gain 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 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	-3.5%
3 Month	-4.3%
6 Month	4.4%
1 Year	-2.6%
3 Year	14.1%
5 Year	11.1%
10 Year
15 Year
Since launch	9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	2.5%
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%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	2 Yr.
Asit Bhandarkar	31 Dec 21	4.75 Yr.
Ruchi Fozdar	4 Oct 24	1.99 Yr.
Deepak Gupta	11 Apr 25	1.47 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	25.6%
Consumer Cyclical	23.83%
Technology	13.06%
Health Care	8.17%
Basic Materials	7.98%
Industrials	6.83%
Real Estate	4.62%
Energy	2.64%
Communication Services	2.41%
Consumer Defensive	2.09%
Utility	1.65%

Asset Allocation

Asset Class	Value
Cash	1.11%
Equity	98.89%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹8 Cr	45,857 ↓ -3,500
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| PAYTM	3%	₹8 Cr	47,371
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	3%	₹7 Cr	98,262
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 590003	3%	₹6 Cr	199,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹6 Cr	48,500
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹6 Cr	53,400
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	2%	₹6 Cr	32,950
CarTrade Tech Ltd (Consumer Cyclical) Equity, Since 30 Sep 25 \| 543333	2%	₹6 Cr	19,005 ↓ -1,650
EPL Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Aug 26 \| 500135	2%	₹5 Cr	222,000 ↑ 100,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Mar 25 \| KOTAKBANK	2%	₹5 Cr	121,500

6. IDBI Equity Advantage Fund

The Scheme will seek to invest predominantly in a diversified portfolio of equity and equity related instruments with the objective to provide investors with opportunities for capital appreciation and income along with the benefit of income-tax deduction(under section 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to be eligible for income-tax benefits under Section 80C. There can be no assurance that the investment objective under the scheme will be realized.

Research Highlights for IDBI Equity Advantage Fund

Lower mid AUM (₹485 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.97% (lower mid).
3Y return: 20.84% (top quartile).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (upper mid).
Sharpe: 1.21 (upper mid).
Information ratio: -1.13 (bottom quartile).

Below is the key information for IDBI Equity Advantage Fund

IDBI Equity Advantage Fund Growth
Launch Date	10 Sep 13
NAV (28 Jul 23)	₹43.39 ↑ 0.04 (0.09 %)
Net Assets (Cr)	₹485 on 30 Jun 23
Category	Equity - ELSS
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.39
Sharpe Ratio	1.21
Information Ratio	-1.13
Alpha Ratio	1.78
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

IDBI Equity Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for IDBI Equity Advantage Fund

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

Duration	Returns
1 Month	3.1%
3 Month	9.7%
6 Month	15.1%
1 Year	16.9%
3 Year	20.8%
5 Year	10%
10 Year
15 Year
Since launch	16%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Equity Advantage Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. 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)

Top quartile AUM (₹14,096 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.88% (bottom quartile).
3Y return: 11.18% (bottom quartile).
1Y return: -5.90% (bottom quartile).
Alpha: -0.28 (bottom quartile).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.33 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~7.9%).

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 (30 Oct 26)	₹124.533 ↓ -0.30 (-0.24 %)
Net Assets (Cr)	₹14,096 on 30 Sep 26
Category	Equity - ELSS
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.33
Information Ratio	0.33
Alpha Ratio	-0.28
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,357
31 Oct 23	₹11,644
31 Oct 24	₹16,233
31 Oct 25	₹16,912
31 Oct 26	₹16,015

Nippon India Tax Saver Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for 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	-5.2%
6 Month	-3.2%
1 Year	-5.9%
3 Year	11.2%
5 Year	9.9%
10 Year
15 Year
Since launch	12.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6%
2024	17.6%
2023	28.6%
2022	6.9%
2021	37.6%
2020	-0.4%
2019	1.5%
2018	-20.7%
2017	46%
2016	4.2%

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

Name	Since	Tenure
Rupesh Patel	1 Jul 21	5.25 Yr.
Ritesh Rathod	19 Aug 24	2.12 Yr.
Kinjal Desai	25 May 18	8.36 Yr.
Amber Singhania	11 Mar 26	0.56 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	35.66%
Consumer Cyclical	15%
Consumer Defensive	9.18%
Industrials	8.97%
Health Care	7.84%
Utility	6.97%
Energy	4.83%
Communication Services	4.68%
Technology	3.61%
Basic Materials	2.41%

Asset Allocation

Asset Class	Value
Cash	0.77%
Equity	99.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	8%	₹1,113 Cr	15,700,000 ↑ 2,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| ICICIBANK	7%	₹991 Cr	7,500,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| 532215	4%	₹576 Cr	4,700,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| MOTHERSON	3%	₹473 Cr	29,000,000 ↓ -1,000,000
State Bank of India (Financial Services) Equity, Since 31 Dec 13 \| SBIN	3%	₹470 Cr	4,900,000
NTPC Ltd (Utilities) Equity, Since 28 Feb 19 \| 532555	3%	₹452 Cr	14,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	3%	₹402 Cr	2,290,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 20 \| RELIANCE	3%	₹392 Cr	3,300,000 ↓ -100,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 31 Jul 21 \| RADICO	3%	₹371 Cr	850,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| ETERNAL	2%	₹352 Cr	11,000,000

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

Upper mid AUM (₹6,071 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.49% (bottom quartile).
3Y return: 9.49% (bottom quartile).
1Y return: -5.39% (lower mid).
Alpha: 1.21 (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: -0.11 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~7.0%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (30 Oct 26)	₹111.495 ↓ -0.49 (-0.44 %)
Net Assets (Cr)	₹6,071 on 30 Sep 26
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.25
Information Ratio	-0.11
Alpha Ratio	1.21
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,743
31 Oct 23	₹11,973
31 Oct 24	₹16,277
31 Oct 25	₹16,514
31 Oct 26	₹15,736

Kotak Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for 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	-4.8%
6 Month	-0.6%
1 Year	-5.4%
3 Year	9.5%
5 Year	9.5%
10 Year
15 Year
Since launch	12.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	1.8%
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%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	11.11 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	30.83%
Industrials	13.71%
Consumer Cyclical	13.52%
Health Care	10.95%
Basic Materials	8.17%
Technology	7.16%
Communication Services	4.33%
Energy	3.77%
Consumer Defensive	3.29%
Utility	2.76%

Asset Allocation

Asset Class	Value
Cash	1.51%
Equity	98.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	7%	₹425 Cr	6,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹304 Cr	2,300,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹302 Cr	3,150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	3%	₹211 Cr	1,200,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| ETERNAL	3%	₹192 Cr	6,000,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹183 Cr	1,200,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹168 Cr	5,200,000
Divi's Laboratories Ltd (Healthcare) Equity, Since 31 May 25 \| DIVISLAB	3%	₹163 Cr	175,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| HEROMOTOCO	3%	₹157 Cr	300,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 May 26 \| DIXON	3%	₹157 Cr	120,000 ↑ 30,000

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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