4 മികച്ച നികുതി ലാഭിക്കൽ ELSS മ്യൂച്വൽ ഫണ്ടുകൾ FY 22 - 23

Updated on December 20, 2025 , 11040 views

ELSS (ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ് സ്കീം) ധാരാളം പണം ലാഭിക്കാൻ നിങ്ങളെ സഹായിക്കുന്ന മികച്ച നികുതി ലാഭിക്കൽ ഓപ്ഷനുകളിലൊന്നാണ്ആദായ നികുതി സമ്പാദിക്കുന്നതിനൊപ്പംമൂലധനം നിക്ഷേപങ്ങളിൽ വിലമതിപ്പ്.

ടാക്സ് സേവിംഗ് ELSS ഫണ്ടുകൾ 1,50 രൂപ വരെ നികുതി ഇളവുകൾ അനുവദിക്കുന്നു,000 കീഴിൽസെക്ഷൻ 80 സി യുടെവരുമാനം നികുതി നിയമം. അതിനാൽ, വഴിനിക്ഷേപിക്കുന്നു ഈ നികുതി ലാഭിക്കുന്നതിൽമ്യൂച്വൽ ഫണ്ടുകൾ, 30% എന്ന ഉയർന്ന നികുതി ബ്രാക്കറ്റിലുള്ള നിക്ഷേപകർക്ക് പോലും ഒരു പ്രത്യേക സാമ്പത്തിക വർഷത്തിൽ ഏകദേശം 46,000 രൂപ നികുതി ഇളവുകളും നല്ല വരുമാനം നേടാനും കഴിയും.

ELSS ആണ്വിപണി-ലിങ്ക്ഡ് നിക്ഷേപങ്ങൾ, ദീർഘകാലാടിസ്ഥാനത്തിലുള്ള നഷ്ടങ്ങളും അപകടസാധ്യതകളും ഒഴിവാക്കുന്നതിനായി ഈ ഫണ്ടുകളിലെ നിക്ഷേപങ്ങൾ വിവേകപൂർവ്വം നടത്താൻ നിങ്ങളോട് നിർദ്ദേശിക്കുന്നു.

FY 22 - 23 ELSS ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിന്റെ പ്രയോജനങ്ങൾ

ELSS മ്യൂച്വൽ ഫണ്ടുകൾ 1,50,000 രൂപ വരെ നികുതി ഇളവുകൾ നൽകുന്നു.
മറ്റുള്ളവ നൽകുന്ന റിട്ടേണുകളേക്കാൾ വളരെ കൂടുതലാണ് റിട്ടേണുകൾനികുതി ലാഭിക്കൽ നിക്ഷേപം ഓപ്ഷനുകൾ.
ELSS-ന് 3 വർഷത്തെ ഏറ്റവും കുറഞ്ഞ ലോക്ക്-ഇൻ കാലയളവ് ഉണ്ട്, ഇത് മറ്റ് നികുതി ലാഭിക്കൽ നിക്ഷേപങ്ങളെ അപേക്ഷിച്ച് താരതമ്യേന വളരെ കുറവാണ്.
ELSS ഫണ്ടുകൾ വഴി നിക്ഷേപിക്കാനുള്ള ഒരു ഓപ്ഷൻ വാഗ്ദാനം ചെയ്യുന്നുഎസ്.ഐ.പി, അതിനാൽ നിക്ഷേപകർക്ക് പ്രതിമാസം ചെറിയ തുക നിക്ഷേപിച്ച് അവരുടെ ELSS നിക്ഷേപം എളുപ്പത്തിൽ കൈകാര്യം ചെയ്യാൻ കഴിയും.

മുകളിൽ സൂചിപ്പിച്ച എല്ലാ ഘടകങ്ങളും ELSS-നെ മികച്ച നികുതി ലാഭിക്കൽ ഓപ്ഷനുകളിലൊന്നാക്കി മാറ്റുന്നു.

നിങ്ങൾ നിക്ഷേപിക്കാൻ പദ്ധതിയിടുകയാണെങ്കിൽ, SIP (സിസ്റ്റമാറ്റിക്നിക്ഷേപ പദ്ധതി) അതിലൊന്നാണ്പണം നിക്ഷേപിക്കാനുള്ള മികച്ച വഴികൾ ELSS ൽ. പതിവ് നിക്ഷേപ ശീലം നിങ്ങളുടെ പോർട്ട്‌ഫോളിയോയെ അച്ചടക്കത്തോടെയും സന്തുലിതമായും നിലനിർത്തുന്നു. കൂടാതെ, നികുതി കലണ്ടറിന്റെ അവസാന നിമിഷത്തിൽ ഒരു തുകയ്ക്ക് പണം ക്രമീകരിക്കാനുള്ള ബുദ്ധിമുട്ട് ഇല്ലാതാകുന്നു. എസ്‌ഐ‌പിയിൽ, നിങ്ങൾക്ക് നിക്ഷേപ തുക നിശ്ചയിക്കാം, അത് 2000 രൂപ വരെയാകാം. 500, നിങ്ങളുടെ പണം നിങ്ങളിൽ നിന്ന് സ്വയമേവ കുറയ്ക്കുന്ന തീയതിയുംബാങ്ക് ELSS ഫണ്ടുകളിലേക്ക് അക്കൗണ്ട്.

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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

ഏറ്റവും മികച്ച 4 ടാക്സ് സേവിംഗ് ELSS മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Since launch (%)
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth	₹964.74 ↑ 6.41	₹14,957	1	4.4	10.3	16.6	17.7	16.4	18.9
Canara Robeco Equity Tax Saver Growth	₹180.23 ↑ 1.66	₹9,118	1.3	3.1	5.2	15.4	16.6	17.5	18.7
BOI AXA Tax Advantage Fund Growth	₹160.28 ↑ 1.10	₹1,411	-0.8	1.1	-5.5	16.6	17.9	21.6	17.9
Mirae Asset Tax Saver Fund Growth	₹51.1 ↑ 0.40	₹27,271	2.9	5.7	9.2	17.8	18.2	17.2	17.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Dec 25

Research Highlights & Commentary of 4 Funds showcased

Commentary	ICICI Prudential Long Term Equity Fund (Tax Saving)	Canara Robeco Equity Tax Saver	BOI AXA Tax Advantage Fund	Mirae Asset Tax Saver Fund
Point 1	Upper mid AUM (₹14,957 Cr).	Lower mid AUM (₹9,118 Cr).	Bottom quartile AUM (₹1,411 Cr).	Highest AUM (₹27,271 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (16+ yrs).	Established history (16+ yrs).	Established history (9+ yrs).
Point 3	Rating: 2★ (upper mid).	Rating: 1★ (lower mid).	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 17.68% (lower mid).	5Y return: 16.60% (bottom quartile).	5Y return: 17.94% (upper mid).	5Y return: 18.18% (top quartile).
Point 6	3Y return: 16.63% (upper mid).	3Y return: 15.39% (bottom quartile).	3Y return: 16.55% (lower mid).	3Y return: 17.76% (top quartile).
Point 7	1Y return: 10.26% (top quartile).	1Y return: 5.24% (lower mid).	1Y return: -5.54% (bottom quartile).	1Y return: 9.19% (upper mid).
Point 8	Alpha: 1.74 (top quartile).	Alpha: -1.87 (lower mid).	Alpha: -9.63 (bottom quartile).	Alpha: 1.51 (upper mid).
Point 9	Sharpe: 0.24 (top quartile).	Sharpe: -0.06 (lower mid).	Sharpe: -0.39 (bottom quartile).	Sharpe: 0.20 (upper mid).
Point 10	Information ratio: 0.02 (lower mid).	Information ratio: -0.39 (bottom quartile).	Information ratio: 0.12 (upper mid).	Information ratio: 0.38 (top quartile).

ICICI Prudential Long Term Equity Fund (Tax Saving)

Upper mid AUM (₹14,957 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.68% (lower mid).
3Y return: 16.63% (upper mid).
1Y return: 10.26% (top quartile).
Alpha: 1.74 (top quartile).
Sharpe: 0.24 (top quartile).
Information ratio: 0.02 (lower mid).

Canara Robeco Equity Tax Saver

Lower mid AUM (₹9,118 Cr).
Established history (16+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.60% (bottom quartile).
3Y return: 15.39% (bottom quartile).
1Y return: 5.24% (lower mid).
Alpha: -1.87 (lower mid).
Sharpe: -0.06 (lower mid).
Information ratio: -0.39 (bottom quartile).

BOI AXA Tax Advantage Fund

Bottom quartile AUM (₹1,411 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.94% (upper mid).
3Y return: 16.55% (lower mid).
1Y return: -5.54% (bottom quartile).
Alpha: -9.63 (bottom quartile).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.12 (upper mid).

Mirae Asset Tax Saver Fund

Highest AUM (₹27,271 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.18% (top quartile).
3Y return: 17.76% (top quartile).
1Y return: 9.19% (upper mid).
Alpha: 1.51 (upper mid).
Sharpe: 0.20 (upper mid).
Information ratio: 0.38 (top quartile).

*ഇതിന്റെ പട്ടികയാണ് മുകളിൽമികച്ച മ്യൂച്വൽ ഫണ്ടുകൾ മുകളിൽ അറ്റ ആസ്തികൾ ഉള്ളത്100 കോടി ലോഞ്ച്/ആരംഭം മുതലുള്ള വാർഷിക വരുമാനത്തിൽ അടുക്കിയിരിക്കുന്നു.

1. 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)

Upper mid AUM (₹14,957 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.68% (lower mid).
3Y return: 16.63% (upper mid).
1Y return: 10.26% (top quartile).
Alpha: 1.74 (top quartile).
Sharpe: 0.24 (top quartile).
Information ratio: 0.02 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~7.8%).

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 (22 Dec 25)	₹964.74 ↑ 6.41 (0.67 %)
Net Assets (Cr)	₹14,957 on 30 Nov 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	0.02
Alpha Ratio	1.74
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹14,167
30 Nov 22	₹15,273
30 Nov 23	₹17,407
30 Nov 24	₹21,780
30 Nov 25	₹23,627

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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 22 Dec 25

Duration	Returns
1 Month	-0.3%
3 Month	1%
6 Month	4.4%
1 Year	10.3%
3 Year	16.6%
5 Year	17.7%
Since launch	18.9%
10 Year
15 Year

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	2.21 Yr.
Sharmila D’mello	31 Jul 22	3.34 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	28.9%
Consumer Cyclical	16.84%
Health Care	11.92%
Industrials	8.94%
Energy	7.42%
Consumer Defensive	5.93%
Technology	4.97%
Basic Materials	4.63%
Utility	4.11%
Communication Services	4.02%
Real Estate	1.5%

Asset Allocation

Asset Class	Value
Cash	0.71%
Equity	99.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	8%	₹1,163 Cr	8,371,978
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 17 \| HDFCBANK	7%	₹1,043 Cr	10,347,868
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 17 \| SUNPHARMA	6%	₹935 Cr	5,105,969
Reliance Industries Ltd (Energy) Equity, Since 31 May 20 \| RELIANCE	6%	₹864 Cr	5,513,578 ↓ -15,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| AXISBANK	6%	₹835 Cr	6,522,478
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 29 Feb 20 \| DMART	4%	₹673 Cr	1,683,535
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 18 \| LT	4%	₹667 Cr	1,638,689
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 28 Feb 18 \| MARUTI	4%	₹607 Cr	381,642
NTPC Ltd (Utilities) Equity, Since 31 Oct 23 \| NTPC	4%	₹590 Cr	18,088,290 ↑ 889,858
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| TVSMOTOR	4%	₹554 Cr	1,567,366

2. Canara Robeco Equity Tax Saver

(ELSS Scheme) Seeking to provide long term capital appreciation by predominantly investing in equities and to facilitate the subscribers to seek tax benefits as provided under Section 80 C of the Income Tax Act, 1961. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Equity Tax Saver

Lower mid AUM (₹9,118 Cr).
Established history (16+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.60% (bottom quartile).
3Y return: 15.39% (bottom quartile).
1Y return: 5.24% (lower mid).
Alpha: -1.87 (lower mid).
Sharpe: -0.06 (lower mid).
Information ratio: -0.39 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~7.9%).

Below is the key information for Canara Robeco Equity Tax Saver

Canara Robeco Equity Tax Saver Growth
Launch Date	2 Feb 09
NAV (22 Dec 25)	₹180.23 ↑ 1.66 (0.93 %)
Net Assets (Cr)	₹9,118 on 30 Nov 25
Category	Equity - ELSS
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆
Risk	Moderately High
Expense Ratio	1.69
Sharpe Ratio	-0.06
Information Ratio	-0.39
Alpha Ratio	-1.87
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹14,161
30 Nov 22	₹15,073
30 Nov 23	₹16,929
30 Nov 24	₹21,574
30 Nov 25	₹22,502

Canara Robeco Equity Tax Saver SIP Returns

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

Returns for Canara Robeco Equity Tax Saver

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	3.1%
1 Year	5.2%
3 Year	15.4%
5 Year	16.6%
Since launch	18.7%
10 Year
15 Year

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	23.7%
2022	-0.2%
2021	35.1%
2020	27.4%
2019	10.7%
2018	2.7%
2017	32%
2016	0%
2015	0.6%

Fund Manager information for Canara Robeco Equity Tax Saver

Name	Since	Tenure
Vishal Mishra	26 Jun 21	4.44 Yr.
Shridatta Bhandwaldar	1 Oct 19	6.17 Yr.

Data below for Canara Robeco Equity Tax Saver as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	29.46%
Consumer Cyclical	14.99%
Industrials	13.14%
Health Care	7.01%
Technology	6.81%
Consumer Defensive	6.21%
Energy	5.49%
Basic Materials	5.24%
Communication Services	4.2%
Utility	3%
Real Estate	2.35%

Asset Allocation

Asset Class	Value
Cash	2.08%
Equity	97.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 08 \| HDFCBANK	8%	₹718 Cr	7,125,168
ICICI Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| ICICIBANK	7%	₹606 Cr	4,361,000
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 19 \| RELIANCE	4%	₹394 Cr	2,512,000
Infosys Ltd (Technology) Equity, Since 31 Jul 18 \| INFY	4%	₹350 Cr	2,241,310
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 21 \| BHARTIARTL	3%	₹307 Cr	1,460,000
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	3%	₹294 Cr	3,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 20 \| LT	3%	₹287 Cr	704,369
Bajaj Finance Ltd (Financial Services) Equity, Since 31 May 19 \| BAJFINANCE	3%	₹242 Cr	2,329,500
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	2%	₹224 Cr	1,753,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 29 Feb 24 \| GVT&D	2%	₹201 Cr	698,742 ↓ -28,316

3. 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

Bottom quartile AUM (₹1,411 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.94% (upper mid).
3Y return: 16.55% (lower mid).
1Y return: -5.54% (bottom quartile).
Alpha: -9.63 (bottom quartile).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.12 (upper mid).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding Vedanta Ltd (~5.3%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (22 Dec 25)	₹160.28 ↑ 1.10 (0.69 %)
Net Assets (Cr)	₹1,411 on 30 Nov 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.39
Information Ratio	0.12
Alpha Ratio	-9.63
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹14,500
30 Nov 22	₹15,171
30 Nov 23	₹18,522
30 Nov 24	₹24,718
30 Nov 25	₹23,701

BOI AXA Tax 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

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 22 Dec 25

Duration	Returns
1 Month	-0.2%
3 Month	-0.8%
6 Month	1.1%
1 Year	-5.5%
3 Year	16.6%
5 Year	17.9%
Since launch	17.9%
10 Year
15 Year

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	3.6 Yr.

Data below for BOI AXA Tax Advantage Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	22.35%
Industrials	19.73%
Basic Materials	17.21%
Utility	7%
Consumer Cyclical	6.18%
Consumer Defensive	5.9%
Technology	4.54%
Communication Services	3.5%
Energy	2.5%
Health Care	2.14%
Real Estate	2.07%

Asset Allocation

Asset Class	Value
Cash	6.88%
Equity	93.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| VEDL	5%	₹74 Cr	1,412,000
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	5%	₹65 Cr	664,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	4%	₹56 Cr	405,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹49 Cr	235,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	3%	₹48 Cr	105,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹46 Cr	250,000 ↓ -33,300
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹45 Cr	1,120,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹44 Cr	437,532
Ambuja Cements Ltd (Basic Materials) Equity, Since 31 Mar 25 \| AMBUJACEM	3%	₹38 Cr	685,662
Coromandel International Ltd (Basic Materials) Equity, Since 31 Jan 23 \| COROMANDEL	3%	₹37 Cr	157,000

4. Mirae Asset Tax Saver 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. The Scheme does not guarantee or assure any returns.

Research Highlights for Mirae Asset Tax Saver Fund

Highest AUM (₹27,271 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.18% (top quartile).
3Y return: 17.76% (top quartile).
1Y return: 9.19% (upper mid).
Alpha: 1.51 (upper mid).
Sharpe: 0.20 (upper mid).
Information ratio: 0.38 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding HDFC Bank Ltd (~9.7%).

Below is the key information for Mirae Asset Tax Saver Fund

Mirae Asset Tax Saver Fund Growth
Launch Date	28 Dec 15
NAV (22 Dec 25)	₹51.1 ↑ 0.40 (0.78 %)
Net Assets (Cr)	₹27,271 on 30 Nov 25
Category	Equity - ELSS
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.16
Sharpe Ratio	0.2
Information Ratio	0.38
Alpha Ratio	1.51
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹14,049
30 Nov 22	₹14,908
30 Nov 23	₹16,995
30 Nov 24	₹21,772
30 Nov 25	₹23,554

Mirae Asset Tax Saver 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 Mirae Asset 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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	2.9%
6 Month	5.7%
1 Year	9.2%
3 Year	17.8%
5 Year	18.2%
Since launch	17.7%
10 Year
15 Year

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.2%
2023	27%
2022	0.1%
2021	35.3%
2020	21.5%
2019	14.1%
2018	-2.3%
2017	47.9%
2016	14.8%
2015

Fund Manager information for Mirae Asset Tax Saver Fund

Name	Since	Tenure
Neelesh Surana	28 Dec 15	9.93 Yr.

Data below for Mirae Asset Tax Saver Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	34.99%
Consumer Cyclical	15.37%
Health Care	10.46%
Technology	9.24%
Industrials	8.42%
Basic Materials	5.48%
Consumer Defensive	4.73%
Energy	3.76%
Communication Services	3.49%
Utility	2.09%
Real Estate	1.66%

Asset Allocation

Asset Class	Value
Cash	0.3%
Equity	99.7%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| HDFCBANK	10%	₹2,644 Cr	26,236,504
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| ICICIBANK	5%	₹1,477 Cr	10,637,929 ↑ 906,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 18 \| AXISBANK	4%	₹1,134 Cr	8,860,734 ↓ -560,000
Infosys Ltd (Technology) Equity, Since 31 Dec 15 \| INFY	4%	₹1,119 Cr	7,172,785
State Bank of India (Financial Services) Equity, Since 31 Dec 15 \| SBIN	4%	₹1,050 Cr	10,721,701 ↓ -525,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| ITC	4%	₹1,003 Cr	24,808,025 ↑ 225,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Dec 15 \| TCS	3%	₹873 Cr	2,783,631 ↓ -210,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 15 \| RELIANCE	3%	₹770 Cr	4,914,299 ↓ -500,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Aug 16 \| LT	3%	₹721 Cr	1,770,482
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Dec 15 \| MARUTI	2%	₹580 Cr	365,007 ↓ -40,564

Disclaimer:
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