2022-ൽ നിക്ഷേപിക്കുന്നതിനുള്ള 6 മികച്ച ടാക്സ് സേവിംഗ് SIP പ്ലാനുകൾ

Updated on September 28, 2025 , 38077 views

ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ് സ്കീമുകൾ അല്ലെങ്കിൽELSS ഇന്ത്യൻ നിക്ഷേപകർക്കിടയിൽ ഏറ്റവും മികച്ച നികുതി ലാഭിക്കൽ ഓപ്ഷൻ എന്ന നിലയിൽ ഇത് വലിയ ജനപ്രീതി നേടുന്നു. ഇതിന് നല്ല വരുമാനം നൽകാനുള്ള കഴിവുണ്ട്, കൂടാതെ ഏറ്റവും കുറഞ്ഞ ലോക്ക്-ഇൻ കാലയളവും ഇതിന് ഉണ്ട്. ELSS എന്നത് ഒരു ഇക്വിറ്റി ഡൈവേഴ്‌സിഫൈഡ് ഫണ്ടാണ്, അതിൽ ഭൂരിഭാഗം ഫണ്ട് കോർപ്പസും നിക്ഷേപിക്കപ്പെടുന്നുഇക്വിറ്റി ഫണ്ട് അല്ലെങ്കിൽ ഇക്വിറ്റിയുമായി ബന്ധപ്പെട്ട ഉൽപ്പന്നങ്ങൾ. നിക്ഷേപകർക്ക് 1,50 രൂപ വരെ നികുതിയിളവുകൾ നേടാം,000 കീഴിൽസെക്ഷൻ 80 സി യുടെആദായ നികുതി അവരുടെ നികുതിയിൽ നിന്ന് പ്രവർത്തിക്കുകവരുമാനം. ഈ ഫണ്ടുകൾ നികുതി ലാഭിക്കൽ, സമ്പത്ത് സൃഷ്ടിക്കൽ എന്നിവയുടെ ഇരട്ട ആനുകൂല്യങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നതിനാൽ, നിക്ഷേപകർക്ക് ELSS-ൽ നിക്ഷേപിക്കാനും അവരുടെ നിക്ഷേപം പരമാവധി പ്രയോജനപ്പെടുത്താനും കഴിയും. അതിനാൽ, പ്രക്രിയ നടത്താൻനിക്ഷേപിക്കുന്നു എളുപ്പത്തിൽ, ഞങ്ങൾ ഏറ്റവും മികച്ച നികുതി ലാഭിക്കൽ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്എസ്.ഐ.പി നിക്ഷേപകർക്ക് മികച്ച വരുമാനം നൽകുന്ന പ്ലാനുകൾ.

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ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ് സ്കീമിൽ (ELSS) നിക്ഷേപിക്കാൻ മികച്ച പ്രകടനം കാഴ്ചവയ്ക്കുന്ന SIP ഫണ്ടുകൾ FY 22 - 23

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹51.6522 ↑ 0.40	₹4,223	500	-4.1	12.2	-6.2	25.3	25.8	47.7
SBI Magnum Tax Gain Fund Growth	₹431.679 ↑ 3.36	₹29,937	500	-3.5	4.8	-6	24.1	24.8	27.7
HDFC Tax Saver Fund Growth	₹1,420.19 ↑ 10.84	₹16,525	500	-1.1	7.9	-0.1	22	25.5	21.3
DSP Tax Saver Fund Growth	₹138.091 ↑ 0.98	₹16,475	500	-3.5	4.5	-5.1	19.6	23.4	23.9
Franklin India Taxshield Growth	₹1,456.21 ↑ 13.18	₹6,537	500	-4.2	4.9	-6	18.6	23.7	22.4
Nippon India Tax Saver Fund (ELSS) Growth	₹127.919 ↑ 0.85	₹14,934	500	-2.3	7.5	-5.2	18	23.4	17.6
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	Motilal Oswal Long Term Equity Fund	SBI Magnum Tax Gain Fund	HDFC Tax Saver Fund	DSP Tax Saver Fund	Franklin India Taxshield	Nippon India Tax Saver Fund (ELSS)
Point 1	Bottom quartile AUM (₹4,223 Cr).	Highest AUM (₹29,937 Cr).	Upper mid AUM (₹16,525 Cr).	Upper mid AUM (₹16,475 Cr).	Bottom quartile AUM (₹6,537 Cr).	Lower mid AUM (₹14,934 Cr).
Point 2	Established history (10+ yrs).	Established history (18+ yrs).	Oldest track record among peers (29 yrs).	Established history (18+ yrs).	Established history (26+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Rating: 2★ (upper mid).	Rating: 2★ (lower mid).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper 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.
Point 5	5Y return: 25.84% (top quartile).	5Y return: 24.83% (upper mid).	5Y return: 25.51% (upper mid).	5Y return: 23.41% (bottom quartile).	5Y return: 23.74% (lower mid).	5Y return: 23.37% (bottom quartile).
Point 6	3Y return: 25.28% (top quartile).	3Y return: 24.15% (upper mid).	3Y return: 21.98% (upper mid).	3Y return: 19.59% (lower mid).	3Y return: 18.56% (bottom quartile).	3Y return: 18.00% (bottom quartile).
Point 7	1Y return: -6.18% (bottom quartile).	1Y return: -5.96% (lower mid).	1Y return: -0.09% (top quartile).	1Y return: -5.09% (upper mid).	1Y return: -6.03% (bottom quartile).	1Y return: -5.16% (upper mid).
Point 8	Alpha: 7.18 (top quartile).	Alpha: -2.40 (bottom quartile).	Alpha: 3.05 (upper mid).	Alpha: -1.92 (bottom quartile).	Alpha: -1.19 (lower mid).	Alpha: 0.25 (upper mid).
Point 9	Sharpe: -0.26 (top quartile).	Sharpe: -0.83 (bottom quartile).	Sharpe: -0.35 (upper mid).	Sharpe: -0.75 (bottom quartile).	Sharpe: -0.69 (lower mid).	Sharpe: -0.59 (upper mid).
Point 10	Information ratio: 0.80 (bottom quartile).	Information ratio: 2.12 (top quartile).	Information ratio: 1.80 (upper mid).	Information ratio: 0.99 (lower mid).	Information ratio: 1.11 (upper mid).	Information ratio: 0.70 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Bottom quartile AUM (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.84% (top quartile).
3Y return: 25.28% (top quartile).
1Y return: -6.18% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (top quartile).
Information ratio: 0.80 (bottom quartile).

SBI Magnum Tax Gain Fund

Highest AUM (₹29,937 Cr).
Established history (18+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.83% (upper mid).
3Y return: 24.15% (upper mid).
1Y return: -5.96% (lower mid).
Alpha: -2.40 (bottom quartile).
Sharpe: -0.83 (bottom quartile).
Information ratio: 2.12 (top quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹16,525 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.51% (upper mid).
3Y return: 21.98% (upper mid).
1Y return: -0.09% (top quartile).
Alpha: 3.05 (upper mid).
Sharpe: -0.35 (upper mid).
Information ratio: 1.80 (upper mid).

DSP Tax Saver Fund

Upper mid AUM (₹16,475 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.41% (bottom quartile).
3Y return: 19.59% (lower mid).
1Y return: -5.09% (upper mid).
Alpha: -1.92 (bottom quartile).
Sharpe: -0.75 (bottom quartile).
Information ratio: 0.99 (lower mid).

Franklin India Taxshield

Bottom quartile AUM (₹6,537 Cr).
Established history (26+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.74% (lower mid).
3Y return: 18.56% (bottom quartile).
1Y return: -6.03% (bottom quartile).
Alpha: -1.19 (lower mid).
Sharpe: -0.69 (lower mid).
Information ratio: 1.11 (upper mid).

Nippon India Tax Saver Fund (ELSS)

Lower mid AUM (₹14,934 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.37% (bottom quartile).
3Y return: 18.00% (bottom quartile).
1Y return: -5.16% (upper mid).
Alpha: 0.25 (upper mid).
Sharpe: -0.59 (upper mid).
Information ratio: 0.70 (bottom quartile).

*മുകളിൽ മികച്ചവയുടെ ലിസ്റ്റ്ELSS SIP മുകളിൽ AUM/നെറ്റ് അസറ്റുകൾ ഉള്ള ഫണ്ടുകൾ500 കോടി. ക്രമീകരിച്ചുകഴിഞ്ഞ 3 വർഷത്തെ റിട്ടേൺ.

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

Bottom quartile AUM (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.84% (top quartile).
3Y return: 25.28% (top quartile).
1Y return: -6.18% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (top quartile).
Information ratio: 0.80 (bottom quartile).

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 (01 Oct 25)	₹51.6522 ↑ 0.40 (0.78 %)
Net Assets (Cr)	₹4,223 on 31 Aug 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.26
Information Ratio	0.8
Alpha Ratio	7.18
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	₹16,651
30 Sep 22	₹16,046
30 Sep 23	₹20,191
30 Sep 24	₹33,630
30 Sep 25	₹31,553

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 1 Oct 25

Duration	Returns
1 Month	3.3%
3 Month	-4.1%
6 Month	12.2%
1 Year	-6.2%
3 Year	25.3%
5 Year	25.8%
10 Year
15 Year
Since launch	16.5%

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 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	31.75%
Financial Services	18.72%
Consumer Cyclical	18.07%
Technology	13.51%
Basic Materials	5.57%
Real Estate	4.35%
Health Care	3.36%
Communication Services	1.59%
Consumer Defensive	1.34%

Asset Allocation

Asset Class	Value
Cash	1.75%
Equity	98.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	7%	₹282 Cr	8,970,581
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	5%	₹192 Cr	259,208 ↑ 10,770
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	4%	₹184 Cr	1,176,224 ↓ -55,632
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Jun 23 \| KAYNES	4%	₹177 Cr	289,593
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	4%	₹176 Cr	516,106 ↑ 29,061
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹175 Cr	240,350
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| 543396	4%	₹152 Cr	1,256,967 ↑ 285,421
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Dec 23 \| BDL	3%	₹147 Cr	1,022,957 ↓ -33,358
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	3%	₹147 Cr	430,073
Piramal Enterprises Ltd (Financial Services) Equity, Since 31 Jul 24 \| PEL	3%	₹143 Cr	1,279,233 ↑ 110,849

2. SBI Magnum Tax Gain Fund

To deliver the benefit of investment in a portfolio of equity shares, while offering deduction on such investment made in the scheme under section 80C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to avail Section 80C benefits.

Research Highlights for SBI Magnum Tax Gain Fund

Highest AUM (₹29,937 Cr).
Established history (18+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.83% (upper mid).
3Y return: 24.15% (upper mid).
1Y return: -5.96% (lower mid).
Alpha: -2.40 (bottom quartile).
Sharpe: -0.83 (bottom quartile).
Information ratio: 2.12 (top quartile).

Below is the key information for SBI Magnum Tax Gain Fund

SBI Magnum Tax Gain Fund Growth
Launch Date	7 May 07
NAV (01 Oct 25)	₹431.679 ↑ 3.36 (0.78 %)
Net Assets (Cr)	₹29,937 on 31 Aug 25
Category	Equity - ELSS
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	-0.83
Information Ratio	2.12
Alpha Ratio	-2.4
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	₹15,587
30 Sep 22	₹15,841
30 Sep 23	₹20,867
30 Sep 24	₹32,232
30 Sep 25	₹30,312

SBI Magnum Tax Gain 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 SBI Magnum 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 1 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	-3.5%
6 Month	4.8%
1 Year	-6%
3 Year	24.1%
5 Year	24.8%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.7%
2023	40%
2022	6.9%
2021	31%
2020	18.9%
2019	4%
2018	-8.3%
2017	33%
2016	2.1%
2015	3.2%

Fund Manager information for SBI Magnum Tax Gain Fund

Name	Since	Tenure
Dinesh Balachandran	10 Sep 16	8.98 Yr.

Data below for SBI Magnum Tax Gain Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	28.34%
Basic Materials	10.65%
Consumer Cyclical	10.07%
Energy	8.8%
Technology	8.02%
Industrials	7.77%
Health Care	7.71%
Consumer Defensive	4.51%
Utility	4.28%
Communication Services	2.99%
Real Estate	1.05%

Asset Allocation

Asset Class	Value
Cash	5.81%
Equity	94.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 07 \| HDFCBANK	9%	₹2,720 Cr	28,586,506
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 06 \| RELIANCE	5%	₹1,530 Cr	11,275,148
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| ICICIBANK	3%	₹1,037 Cr	7,416,237
Cipla Ltd (Healthcare) Equity, Since 31 Jul 18 \| CIPLA	3%	₹969 Cr	6,098,542
Tata Steel Ltd (Basic Materials) Equity, Since 31 Oct 21 \| TATASTEEL	3%	₹958 Cr	62,000,000
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	3%	₹877 Cr	21,414,825
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| M&M	3%	₹805 Cr	2,515,083
State Bank of India (Financial Services) Equity, Since 31 May 06 \| SBIN	3%	₹749 Cr	9,335,639
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	2%	₹716 Cr	3,650,000
Torrent Power Ltd (Utilities) Equity, Since 31 Jul 19 \| TORNTPOWER	2%	₹689 Cr	5,610,813

3. HDFC Tax Saver Fund

The fund plans to provide long term growth of capital.

Research Highlights for HDFC Tax Saver Fund

Upper mid AUM (₹16,525 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.51% (upper mid).
3Y return: 21.98% (upper mid).
1Y return: -0.09% (top quartile).
Alpha: 3.05 (upper mid).
Sharpe: -0.35 (upper mid).
Information ratio: 1.80 (upper mid).

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (01 Oct 25)	₹1,420.19 ↑ 10.84 (0.77 %)
Net Assets (Cr)	₹16,525 on 31 Aug 25
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.35
Information Ratio	1.8
Alpha Ratio	3.05
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	₹16,028
30 Sep 22	₹17,159
30 Sep 23	₹21,077
30 Sep 24	₹31,174
30 Sep 25	₹31,145

HDFC Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 1 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	-1.1%
6 Month	7.9%
1 Year	-0.1%
3 Year	22%
5 Year	25.5%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-6.2%

Fund Manager information for HDFC Tax Saver Fund

Name	Since	Tenure
Roshi Jain	13 Jan 22	3.64 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Tax Saver Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	41.13%
Consumer Cyclical	17.51%
Health Care	10.02%
Basic Materials	5.76%
Industrials	5.72%
Technology	5.18%
Communication Services	4.51%
Utility	1.67%
Energy	1.15%
Consumer Defensive	0.79%

Asset Allocation

Asset Class	Value
Cash	6.25%
Equity	93.44%
Debt	0.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	10%	₹1,580 Cr	16,600,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,538 Cr	11,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	8%	₹1,254 Cr	12,000,000
Cipla Ltd (Healthcare) Equity, Since 31 Oct 09 \| CIPLA	5%	₹858 Cr	5,400,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	5%	₹814 Cr	550,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	5%	₹812 Cr	4,500,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	4%	₹686 Cr	3,500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	4%	₹642 Cr	3,400,000
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	3%	₹562 Cr	7,000,000
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	3%	₹492 Cr	2,000,000

4. DSP Tax Saver Fund

The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors to avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time.

Research Highlights for DSP Tax Saver Fund

Upper mid AUM (₹16,475 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.41% (bottom quartile).
3Y return: 19.59% (lower mid).
1Y return: -5.09% (upper mid).
Alpha: -1.92 (bottom quartile).
Sharpe: -0.75 (bottom quartile).
Information ratio: 0.99 (lower mid).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (01 Oct 25)	₹138.091 ↑ 0.98 (0.71 %)
Net Assets (Cr)	₹16,475 on 31 Aug 25
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	-0.75
Information Ratio	0.99
Alpha Ratio	-1.92
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	₹17,003
30 Sep 22	₹16,738
30 Sep 23	₹20,189
30 Sep 24	₹30,165
30 Sep 25	₹28,628

DSP Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for DSP 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	1.8%
3 Month	-3.5%
6 Month	4.5%
1 Year	-5.1%
3 Year	19.6%
5 Year	23.4%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.9%
2023	30%
2022	4.5%
2021	35.1%
2020	15%
2019	14.8%
2018	-7.6%
2017	36.3%
2016	11.3%
2015	4.4%

Fund Manager information for DSP Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	10.14 Yr.

Data below for DSP Tax Saver Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	36.98%
Health Care	10.52%
Consumer Cyclical	9.73%
Basic Materials	8.92%
Technology	8.79%
Consumer Defensive	5.33%
Industrials	5.17%
Communication Services	4.67%
Energy	4.33%
Utility	3.64%

Asset Allocation

Asset Class	Value
Cash	1.93%
Equity	98.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,147 Cr	12,050,366
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	7%	₹1,109 Cr	13,819,830 ↑ 769,098
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	6%	₹1,023 Cr	7,317,696
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	6%	₹986 Cr	6,706,545 ↑ 1,558,481
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| AXISBANK	5%	₹832 Cr	7,961,062
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹498 Cr	2,634,816
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹487 Cr	2,482,802 ↑ 420,372
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	2%	₹412 Cr	1,286,941
Cipla Ltd (Healthcare) Equity, Since 30 Apr 23 \| CIPLA	2%	₹400 Cr	2,514,972
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Nov 22 \| HINDUNILVR	2%	₹398 Cr	1,495,324

5. 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

Bottom quartile AUM (₹6,537 Cr).
Established history (26+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.74% (lower mid).
3Y return: 18.56% (bottom quartile).
1Y return: -6.03% (bottom quartile).
Alpha: -1.19 (lower mid).
Sharpe: -0.69 (lower mid).
Information ratio: 1.11 (upper mid).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (01 Oct 25)	₹1,456.21 ↑ 13.18 (0.91 %)
Net Assets (Cr)	₹6,537 on 31 Aug 25
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.69
Information Ratio	1.11
Alpha Ratio	-1.19
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	₹17,151
30 Sep 22	₹17,405
30 Sep 23	₹21,285
30 Sep 24	₹30,870
30 Sep 25	₹29,009

Franklin India Taxshield SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 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 1 Oct 25

Duration	Returns
1 Month	0.2%
3 Month	-4.2%
6 Month	4.9%
1 Year	-6%
3 Year	18.6%
5 Year	23.7%
10 Year
15 Year
Since launch	20.7%

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 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	30.2%
Consumer Cyclical	12.11%
Industrials	12.02%
Technology	8.57%
Health Care	7.02%
Basic Materials	5.82%
Consumer Defensive	5.38%
Communication Services	5.22%
Utility	4.91%
Energy	3.06%
Real Estate	1.78%

Asset Allocation

Asset Class	Value
Cash	3.93%
Equity	96.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	10%	₹636 Cr	4,546,914
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	9%	₹621 Cr	6,520,834
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹318 Cr	883,853
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	4%	₹287 Cr	1,517,753
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	4%	₹283 Cr	1,922,741
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| AXISBANK	4%	₹235 Cr	2,252,948
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| 543320	4%	₹235 Cr	7,500,000
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 21 \| HCLTECH	3%	₹213 Cr	1,462,587
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹200 Cr	1,472,922
Grasim Industries Ltd (Basic Materials) Equity, Since 30 Jun 11 \| GRASIM	3%	₹190 Cr	685,013

6. 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)

Lower mid AUM (₹14,934 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.37% (bottom quartile).
3Y return: 18.00% (bottom quartile).
1Y return: -5.16% (upper mid).
Alpha: 0.25 (upper mid).
Sharpe: -0.59 (upper mid).
Information ratio: 0.70 (bottom quartile).

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 (01 Oct 25)	₹127.919 ↑ 0.85 (0.67 %)
Net Assets (Cr)	₹14,934 on 31 Aug 25
Category	Equity - ELSS
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.59
Information Ratio	0.7
Alpha Ratio	0.25
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	₹17,264
30 Sep 22	₹17,395
30 Sep 23	₹20,931
30 Sep 24	₹30,135
30 Sep 25	₹28,579

Nippon India Tax Saver Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 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 1 Oct 25

Duration	Returns
1 Month	1.2%
3 Month	-2.3%
6 Month	7.5%
1 Year	-5.2%
3 Year	18%
5 Year	23.4%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-2.9%

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

Name	Since	Tenure
Rupesh Patel	1 Jul 21	4.17 Yr.
Ritesh Rathod	19 Aug 24	1.04 Yr.
Kinjal Desai	25 May 18	7.28 Yr.

Data below for Nippon India Tax Saver Fund (ELSS) as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	37.26%
Consumer Cyclical	11%
Industrials	10.94%
Consumer Defensive	9.76%
Utility	6.65%
Technology	5.71%
Health Care	5.21%
Energy	4.45%
Basic Materials	4.26%
Communication Services	3.72%

Asset Allocation

Asset Class	Value
Cash	1.04%
Equity	98.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| ICICIBANK	8%	₹1,202 Cr	8,600,000 ↓ -200,000
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	7%	₹1,066 Cr	11,200,000
Infosys Ltd (Technology) Equity, Since 31 Mar 20 \| INFY	4%	₹641 Cr	4,360,420 ↑ 350,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| AXISBANK	4%	₹585 Cr	5,600,000
NTPC Ltd (Utilities) Equity, Since 28 Feb 19 \| NTPC	3%	₹459 Cr	14,000,000 ↓ -500,000
State Bank of India (Financial Services) Equity, Since 31 Dec 13 \| SBIN	3%	₹449 Cr	5,600,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 20 \| RELIANCE	3%	₹410 Cr	3,018,247
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| MOTHERSON	2%	₹355 Cr	38,319,861
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 31 Oct 21 \| 890157	2%	₹347 Cr	2,400,000 ↓ -130,000
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Nov 22 \| PFC	2%	₹346 Cr	9,111,111

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.