6 മികച്ച പ്രകടനം നടത്തുന്ന ടാക്സ് സേവിംഗ് മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on September 28, 2025 , 3681 views

നികുതി സീസൺ അടുത്തിരിക്കുന്നതിനാൽ, നിക്ഷേപം നടത്തുന്ന നിക്ഷേപകർELSS എല്ലായ്‌പ്പോഴും മികച്ച പ്രകടനം നടത്തുന്ന ഫണ്ടുകളിലേക്ക് നോക്കുകവിപണി. പല നിക്ഷേപകരും ഒരു ഫണ്ട് തിരഞ്ഞെടുക്കുന്നത് ബുദ്ധിമുട്ടുള്ളതിനാൽ, ELSS വിഭാഗത്തിലെ ചില മികച്ച പ്രകടനം നടത്തുന്നവരെ നിർദ്ദേശിക്കാൻ ഞങ്ങൾ ഇവിടെയുണ്ട്.

നിക്ഷേപകർക്ക് ഈ ഫണ്ടുകളിൽ നിക്ഷേപിക്കാനും ഓരോ വർഷവും 1.5 ലക്ഷം രൂപ വരെ ലാഭിക്കാനും കഴിയുംസെക്ഷൻ 80 സി യുടെആദായ നികുതി നിയമം 1961. ELSS സ്കീമുകൾക്ക് കുറഞ്ഞത് 3 വർഷത്തെ ലോക്ക്-ഇൻ കാലയളവ് ഉണ്ട്. ഞങ്ങൾ ശുപാർശ ചെയ്യുന്ന ഏറ്റവും മികച്ച നികുതി ലാഭിക്കൽമ്യൂച്വൽ ഫണ്ടുകൾ AUM പോലെയുള്ള ചില പ്രധാന പാരാമീറ്ററുകൾ ഏറ്റെടുത്തുകൊണ്ട് ശ്രദ്ധാപൂർവ്വം ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്,അല്ല, മുൻകാല പ്രകടനങ്ങൾ മുതലായവ.

അങ്ങനെ, നിക്ഷേപകർക്ക് അവരുടെ നികുതി ലാഭം എളുപ്പത്തിൽ ആസൂത്രണം ചെയ്യാൻ കഴിയുംനിക്ഷേപിക്കുന്നു ഈ ഫണ്ടുകളിൽ.

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മികച്ച പ്രകടനം കാഴ്ചവെക്കുന്ന ടാക്സ് സേവിംഗ് മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Tata India Tax Savings Fund Growth	₹43.9907 ↑ 0.26	₹4,472	-2.8	6.5	-6.3	15.7	19.8	19.5
Bandhan Tax Advantage (ELSS) Fund Growth	₹151.194 ↑ 1.34	₹6,899	-2.6	6.1	-6.6	15.4	22.8	13.1
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
Sundaram Diversified Equity Fund Growth	₹218.653 ↑ 1.33	₹1,461	-2.6	6.5	-4	13.1	18.4	12
Invesco India Tax Plan Growth	₹124.58 ↑ 0.65	₹2,787	-3.1	8.2	-6	17.4	18.5	25.2
Kotak Tax Saver Fund Growth	₹114.617 ↑ 0.81	₹6,201	-3.4	6.9	-7.1	16.1	20.4	21.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 6 Funds showcased

Commentary	Tata India Tax Savings Fund	Bandhan Tax Advantage (ELSS) Fund	HDFC Long Term Advantage Fund	Sundaram Diversified Equity Fund	Invesco India Tax Plan	Kotak Tax Saver Fund
Point 1	Upper mid AUM (₹4,472 Cr).	Highest AUM (₹6,899 Cr).	Bottom quartile AUM (₹1,318 Cr).	Bottom quartile AUM (₹1,461 Cr).	Lower mid AUM (₹2,787 Cr).	Upper mid AUM (₹6,201 Cr).
Point 2	Established history (10+ yrs).	Established history (16+ yrs).	Established history (24+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (19+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 19.79% (upper mid).	5Y return: 22.79% (top quartile).	5Y return: 17.39% (bottom quartile).	5Y return: 18.44% (bottom quartile).	5Y return: 18.50% (lower mid).	5Y return: 20.35% (upper mid).
Point 6	3Y return: 15.69% (lower mid).	3Y return: 15.36% (bottom quartile).	3Y return: 20.64% (top quartile).	3Y return: 13.14% (bottom quartile).	3Y return: 17.44% (upper mid).	3Y return: 16.06% (upper mid).
Point 7	1Y return: -6.27% (lower mid).	1Y return: -6.58% (bottom quartile).	1Y return: 35.51% (top quartile).	1Y return: -4.00% (upper mid).	1Y return: -5.99% (upper mid).	1Y return: -7.13% (bottom quartile).
Point 8	Alpha: -1.62 (bottom quartile).	Alpha: -3.02 (bottom quartile).	Alpha: 1.75 (top quartile).	Alpha: 1.24 (upper mid).	Alpha: 1.58 (upper mid).	Alpha: -0.41 (lower mid).
Point 9	Sharpe: -0.71 (bottom quartile).	Sharpe: -0.87 (bottom quartile).	Sharpe: 2.27 (top quartile).	Sharpe: -0.52 (upper mid).	Sharpe: -0.52 (upper mid).	Sharpe: -0.63 (lower mid).
Point 10	Information ratio: -0.22 (bottom quartile).	Information ratio: 0.02 (upper mid).	Information ratio: -0.15 (lower mid).	Information ratio: -0.68 (bottom quartile).	Information ratio: 0.36 (top quartile).	Information ratio: 0.04 (upper mid).

Tata India Tax Savings Fund

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

Bandhan Tax Advantage (ELSS) Fund

Highest AUM (₹6,899 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.79% (top quartile).
3Y return: 15.36% (bottom quartile).
1Y return: -6.58% (bottom quartile).
Alpha: -3.02 (bottom quartile).
Sharpe: -0.87 (bottom quartile).
Information ratio: 0.02 (upper mid).

HDFC Long Term Advantage Fund

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

Sundaram Diversified Equity Fund

Bottom quartile AUM (₹1,461 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.44% (bottom quartile).
3Y return: 13.14% (bottom quartile).
1Y return: -4.00% (upper mid).
Alpha: 1.24 (upper mid).
Sharpe: -0.52 (upper mid).
Information ratio: -0.68 (bottom quartile).

Invesco India Tax Plan

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

Kotak Tax Saver Fund

Upper mid AUM (₹6,201 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.35% (upper mid).
3Y return: 16.06% (upper mid).
1Y return: -7.13% (bottom quartile).
Alpha: -0.41 (lower mid).
Sharpe: -0.63 (lower mid).
Information ratio: 0.04 (upper mid).

*1000 കോടി മുതൽ 10 വരെ അറ്റ ആസ്തിയുള്ള ടാക്സ് സേവിംഗ് മ്യൂച്വൽ ഫണ്ടുകളുടെ പട്ടിക,000 കോടികൾ.

1. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Research Highlights for Tata India Tax Savings Fund

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

Below is the key information for Tata India Tax Savings Fund

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

Growth of 10,000 investment over the years.

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

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Tata India Tax Savings Fund

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

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

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Tata India Tax Savings Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	4.62%
Equity	95.38%

Top Securities Holdings / Portfolio

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

2. 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

Highest AUM (₹6,899 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.79% (top quartile).
3Y return: 15.36% (bottom quartile).
1Y return: -6.58% (bottom quartile).
Alpha: -3.02 (bottom quartile).
Sharpe: -0.87 (bottom quartile).
Information ratio: 0.02 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.9%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (01 Oct 25)	₹151.194 ↑ 1.34 (0.89 %)
Net Assets (Cr)	₹6,899 on 31 Aug 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.87
Information Ratio	0.02
Alpha Ratio	-3.02
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹17,588
30 Sep 22	₹18,181
30 Sep 23	₹22,259
30 Sep 24	₹29,877
30 Sep 25	₹27,912

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 1 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	-2.6%
6 Month	6.1%
1 Year	-6.6%
3 Year	15.4%
5 Year	22.8%
10 Year
15 Year
Since launch	17.5%

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	1.22 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.7%
Consumer Cyclical	10.54%
Technology	9.57%
Basic Materials	9.16%
Consumer Defensive	8.97%
Energy	7.39%
Health Care	5.59%
Industrials	4.67%
Communication Services	2.46%
Real Estate	2%
Utility	1.95%

Asset Allocation

Asset Class	Value
Cash	4.72%
Equity	95.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹542 Cr	5,700,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	6%	₹448 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹349 Cr	2,500,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹285 Cr	925,000 ↑ 25,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹274 Cr	1,400,000 ↑ 50,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| AXISBANK	3%	₹199 Cr	1,900,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹198 Cr	1,350,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹192 Cr	2,388,280
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹170 Cr	900,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹165 Cr	325,000 ↓ -25,000

3. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

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

Below is the key information for HDFC Long Term Advantage Fund

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

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,632

HDFC Long Term Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Purchase not allowed

Returns for HDFC Long Term Advantage Fund

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

Duration	Returns
1 Month	4.4%
3 Month	1.2%
6 Month	15.4%
1 Year	35.5%
3 Year	20.6%
5 Year	17.4%
10 Year
15 Year
Since launch	21.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Long Term Advantage Fund

Name	Since	Tenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Sundaram Diversified Equity Fund

To achieve capital appreciation by investing predominantly in equities and equity-related instruments. A three-year lock-in period shall apply in line with the regulation for ELSS schemes.

Research Highlights for Sundaram Diversified Equity Fund

Bottom quartile AUM (₹1,461 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.44% (bottom quartile).
3Y return: 13.14% (bottom quartile).
1Y return: -4.00% (upper mid).
Alpha: 1.24 (upper mid).
Sharpe: -0.52 (upper mid).
Information ratio: -0.68 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding HDFC Bank Ltd (~9.4%).

Below is the key information for Sundaram Diversified Equity Fund

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

Growth of 10,000 investment over the years.

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

Sundaram Diversified Equity Fund SIP Returns

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

Returns for Sundaram Diversified Equity Fund

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

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

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Sundaram Diversified Equity Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	7.78%
Equity	92.22%

Top Securities Holdings / Portfolio

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

5. Invesco India Tax Plan

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

Research Highlights for Invesco India Tax Plan

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

Below is the key information for Invesco India Tax Plan

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

Growth of 10,000 investment over the years.

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

Invesco India Tax Plan SIP Returns

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

Returns for Invesco India Tax Plan

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

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

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Invesco India Tax Plan

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	0.32%
Equity	99.68%

Top Securities Holdings / Portfolio

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

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 (₹6,201 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.35% (upper mid).
3Y return: 16.06% (upper mid).
1Y return: -7.13% (bottom quartile).
Alpha: -0.41 (lower mid).
Sharpe: -0.63 (lower mid).
Information ratio: 0.04 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~9.2%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (01 Oct 25)	₹114.617 ↑ 0.81 (0.71 %)
Net Assets (Cr)	₹6,201 on 31 Aug 25
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.63
Information Ratio	0.04
Alpha Ratio	-0.41
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,635
30 Sep 22	₹16,153
30 Sep 23	₹19,388
30 Sep 24	₹27,190
30 Sep 25	₹25,252

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 1 Oct 25

Duration	Returns
1 Month	1.2%
3 Month	-3.4%
6 Month	6.9%
1 Year	-7.1%
3 Year	16.1%
5 Year	20.4%
10 Year
15 Year
Since launch	13%

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 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	29.67%
Industrials	12.79%
Consumer Cyclical	10.84%
Technology	10.25%
Basic Materials	9.87%
Energy	6.23%
Utility	5.69%
Consumer Defensive	4.84%
Communication Services	4.38%
Health Care	4.31%

Asset Allocation

Asset Class	Value
Cash	1.12%
Equity	98.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	9%	₹571 Cr	6,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹363 Cr	2,599,780
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹234 Cr	1,239,286
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	4%	₹220 Cr	1,500,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	3%	₹217 Cr	2,700,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| TECHM	3%	₹200 Cr	1,350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| AXISBANK	3%	₹183 Cr	1,750,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| NTPC	3%	₹164 Cr	5,000,000
Bosch Ltd (Consumer Cyclical) Equity, Since 28 Feb 23 \| BOSCHLTD	3%	₹160 Cr	40,000
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| BRITANNIA	2%	₹146 Cr	250,000

ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ് സ്കീമിലെ നികുതി ലാഭിക്കൽ

ELSS ഉപയോഗിച്ചും അല്ലാതെയും നികുതി ലാഭം താരതമ്യം ചെയ്തുകൊണ്ട് നമുക്ക് നികുതി ആനുകൂല്യങ്ങൾ പരിശോധിക്കാം:

വിശേഷങ്ങൾ	നികുതി ആസൂത്രണം (ELSS)	നികുതി ആസൂത്രണം ഇല്ല
ആകെ മൊത്തംവരുമാനം	8,00,000	8,00,000
നികുതിയിൽ നിന്ന് ഒഴിവാക്കൽ	1,50,000	ഇല്ല
ആകെനികുതി ബാധ്യമായ വരുമാനം	6,50,000	8,00,000
അടക്കേണ്ട നികുതി	32,500	62,500
സംരക്ഷിച്ച തുക	30,000	ഇല്ല

അതിനാൽ, ELSS-ൽ നിക്ഷേപിക്കുന്നതിലൂടെ ലാഭിക്കുന്ന ആകെ തുക 30,000 രൂപയാണ്.

നികുതി ലാഭിക്കുന്ന മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിന്റെ നേട്ടങ്ങൾ

നികുതി ആനുകൂല്യങ്ങൾക്കൊപ്പം, ELSS നിങ്ങൾക്ക് ഇനിപ്പറയുന്ന നേട്ടങ്ങളും വാഗ്ദാനം ചെയ്യുന്നു:

ഇക്വിറ്റി റിട്ടേൺസ്

ഇ‌എൽ‌എസ്‌എസ് ഇക്വിറ്റിയുടെയും നികുതി ലാഭത്തിന്റെയും സംയോജനമായതിനാൽ, ഓഹരി വിപണി വളരുന്നതിനനുസരിച്ച് നിങ്ങൾ നിക്ഷേപിക്കുന്ന പണവും വർദ്ധിക്കുന്നു. അതിനാൽ, നിക്ഷേപകർക്ക് ഇക്വിറ്റി മാർക്കറ്റിൽ നിന്ന് വരുമാനം നേടാനും കഴിയും. അതിനാൽ, ദീർഘകാല സമ്പത്ത് സൃഷ്ടിക്കുന്നതിനുള്ള ഒരു വഴി കൂടിയാണ് ELSS.

SIP ആനുകൂല്യങ്ങൾ

ഒറ്റത്തവണ തുക നിക്ഷേപിക്കുന്നതിനുപകരം, ഒരു വഴി പ്രതിമാസം നിക്ഷേപിച്ച് നിക്ഷേപകർക്ക് എളുപ്പവഴി തിരഞ്ഞെടുക്കാംഎസ്.ഐ.പി. ഒരു എസ്‌ഐ‌പി ഉപയോഗിച്ച് ഒരാൾക്ക് 500 രൂപ വരെ നിക്ഷേപിക്കാം, ഇത് നിക്ഷേപകർക്ക് ഏറ്റവും താങ്ങാനാവുന്ന നികുതി ആസൂത്രണവും നിക്ഷേപ മാർഗവുമാക്കുന്നു.

ഏറ്റവും കുറഞ്ഞ ലോക്ക്-ഇൻ കാലയളവ്

ELSS-ന് 3 വർഷത്തെ ലോക്ക്-ഇൻ കാലയളവ് ഉണ്ട്, ഇത് മറ്റെല്ലാ നികുതി ലാഭിക്കൽ ഉപകരണങ്ങളിലും ഏറ്റവും കുറഞ്ഞ ലോക്ക്-ഇൻ കാലയളവാണ്.

ELSS ഫണ്ടുകളിൽ ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

Fincash.com-ൽ ആജീവനാന്ത സൗജന്യ നിക്ഷേപ അക്കൗണ്ട് തുറക്കുക.

നിങ്ങളുടെ രജിസ്ട്രേഷനും KYC പ്രക്രിയയും പൂർത്തിയാക്കുക

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

തുടങ്ങി

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