2022 मध्ये SIP गुंतवणुकीसाठी सर्वोत्तम ELSS म्युच्युअल फंड

Updated on November 22, 2025 , 5523 views

सर्वोत्तम elss फंड किंवा इक्विटी लिंक्ड बचत योजना इक्विटी वैविध्यपूर्ण आहेतम्युच्युअल फंड जे प्रदान करण्यासाठी इक्विटी-लिंक्ड साधनांमध्ये (जसे की शेअर्स आणि स्टॉक) गुंतवणूक करतातबाजार- लिंक्ड रिटर्न. सामान्यतः, फंड कॉर्पसपैकी 80% इक्विटीमध्ये आणि उर्वरित कर्ज साधनांमध्ये गुंतवले जाते. सर्वोत्तमELSS फंडांना टॅक्स सेव्हिंग म्युच्युअल फंड म्हणूनही ओळखले जाते कारण ते अंतर्गत कर लाभ देतातकलम 80C याआयकर कायदा. शिवाय, ELSS म्युच्युअल फंड हे ओपन एंडेड आहेत आणि गुंतवणुकीचे 2 प्रकार देतात

एकरकमी गुंतवणूक
SIP (पद्धतशीरगुंतवणूक योजना) गुंतवणूक

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शीर्ष 5 सर्वोत्तम कामगिरी करणारे ELSS म्युच्युअल फंड SIP FY 22 - 23

1. 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

Lower mid AUM (₹7,215 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.98% (top quartile).
3Y return: 15.13% (lower mid).
1Y return: 6.27% (bottom quartile).
Alpha: -1.66 (lower mid).
Sharpe: -0.14 (lower mid).
Information ratio: -0.27 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.8%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (24 Nov 25)	₹156.855 ↓ -0.60 (-0.38 %)
Net Assets (Cr)	₹7,215 on 31 Oct 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.14
Information Ratio	-0.27
Alpha Ratio	-1.66
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹18,019
31 Oct 22	₹18,859
31 Oct 23	₹21,481
31 Oct 24	₹27,851
31 Oct 25	₹28,935

Bandhan Tax Advantage (ELSS) 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 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 24 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	3.7%
6 Month	4.8%
1 Year	6.3%
3 Year	15.1%
5 Year	21%
10 Year
15 Year
Since launch	17.7%

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	9.04 Yr.
Ritika Behera	7 Oct 23	2.07 Yr.
Gaurav Satra	10 Jun 24	1.39 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	33.31%
Consumer Cyclical	10.54%
Technology	10.48%
Consumer Defensive	8.78%
Basic Materials	7.85%
Energy	7.79%
Health Care	5.57%
Industrials	4.45%
Communication Services	2.65%
Real Estate	2.13%
Utility	1.95%

Asset Allocation

Asset Class	Value
Cash	4.48%
Equity	95.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹563 Cr	5,700,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹491 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹336 Cr	2,500,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹294 Cr	1,400,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹291 Cr	950,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹234 Cr	1,900,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹224 Cr	2,388,280
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹208 Cr	1,400,000 ↑ 50,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹180 Cr	325,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹175 Cr	850,000 ↓ -50,000

2. 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

Bottom quartile AUM (₹4,717 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.77% (lower mid).
3Y return: 15.10% (bottom quartile).
1Y return: 5.95% (bottom quartile).
Alpha: -2.94 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: -0.35 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~7.2%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (24 Nov 25)	₹45.954 ↓ -0.06 (-0.13 %)
Net Assets (Cr)	₹4,717 on 31 Oct 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.18
Information Ratio	-0.35
Alpha Ratio	-2.94
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,587
31 Oct 22	₹16,344
31 Oct 23	₹17,842
31 Oct 24	₹24,487
31 Oct 25	₹25,083

Tata India Tax Savings 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 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 24 Nov 25

Duration	Returns
1 Month	1.1%
3 Month	4.7%
6 Month	5.8%
1 Year	5.9%
3 Year	15.1%
5 Year	17.8%
10 Year
15 Year
Since launch	14.7%

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
Sailesh Jain	16 Dec 21	3.88 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	34.31%
Industrials	15.33%
Consumer Cyclical	13.04%
Basic Materials	7.32%
Technology	6.25%
Energy	5.45%
Communication Services	4.41%
Health Care	3.39%
Real Estate	2.54%
Utility	2.47%
Consumer Defensive	1.85%

Asset Allocation

Asset Class	Value
Cash	3.22%
Equity	96.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹341 Cr	3,450,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹286 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹201 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹193 Cr	940,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹191 Cr	2,040,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹172 Cr	1,160,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹160 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹142 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	2%	₹116 Cr	3,451,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Mar 22 \| 500034	2%	₹112 Cr	1,070,000

3. Aditya Birla Sun Life Tax Relief '96

An Open-ended equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities

Research Highlights for Aditya Birla Sun Life Tax Relief '96

Upper mid AUM (₹15,682 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.55% (bottom quartile).
3Y return: 14.31% (bottom quartile).
1Y return: 9.10% (upper mid).
Alpha: 1.25 (upper mid).
Sharpe: 0.11 (upper mid).
Information ratio: -0.61 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~7.8%).

Below is the key information for Aditya Birla Sun Life Tax Relief '96

Aditya Birla Sun Life Tax Relief '96 Growth
Launch Date	6 Mar 08
NAV (24 Nov 25)	₹62.23 ↓ -0.18 (-0.29 %)
Net Assets (Cr)	₹15,682 on 31 Oct 25
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	0.11
Information Ratio	-0.61
Alpha Ratio	1.25
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹13,369
31 Oct 22	₹13,012
31 Oct 23	₹13,726
31 Oct 24	₹18,451
31 Oct 25	₹19,744

Aditya Birla Sun Life Tax Relief '96 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 Aditya Birla Sun Life Tax Relief '96

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Nov 25

Duration	Returns
1 Month	-0.6%
3 Month	1.6%
6 Month	6.4%
1 Year	9.1%
3 Year	14.3%
5 Year	12.6%
10 Year
15 Year
Since launch	10.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.4%
2023	18.9%
2022	-1.4%
2021	12.7%
2020	15.2%
2019	4.3%
2018	-4.5%
2017	43.2%
2016	3.4%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Tax Relief '96

Name	Since	Tenure
Dhaval Shah	31 Oct 24	1 Yr.

Data below for Aditya Birla Sun Life Tax Relief '96 as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	31.64%
Consumer Cyclical	13.67%
Health Care	11.17%
Technology	9.74%
Consumer Defensive	8.01%
Industrials	7.5%
Basic Materials	5.52%
Energy	5.28%
Communication Services	3.49%
Utility	2.1%
Real Estate	0.63%

Asset Allocation

Asset Class	Value
Cash	1.26%
Equity	98.74%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹1,229 Cr	9,137,798
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,140 Cr	11,550,504
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	5%	₹763 Cr	5,149,292
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	4%	₹633 Cr	4,260,426 ↑ 500,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| 532215	4%	₹624 Cr	5,060,879
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	4%	₹572 Cr	6,101,415
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	3%	₹547 Cr	2,661,864
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jan 20 \| 532843	3%	₹503 Cr	4,912,331 ↓ -308,588
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 08 \| LT	3%	₹444 Cr	1,101,782
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	3%	₹414 Cr	13,042,983

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

Highest AUM (₹17,241 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.93% (upper mid).
3Y return: 19.03% (upper mid).
1Y return: 6.32% (lower mid).
Alpha: -2.28 (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: 0.80 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding State Bank of India (~6.5%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (24 Nov 25)	₹142.952 ↓ -0.54 (-0.38 %)
Net Assets (Cr)	₹17,241 on 31 Oct 25
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	-0.15
Information Ratio	0.8
Alpha Ratio	-2.28
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,657
31 Oct 22	₹16,931
31 Oct 23	₹18,972
31 Oct 24	₹27,790
31 Oct 25	₹28,709

DSP 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 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 24 Nov 25

Duration	Returns
1 Month	1%
3 Month	3.8%
6 Month	3.5%
1 Year	6.3%
3 Year	19%
5 Year	20.9%
10 Year
15 Year
Since launch	15.2%

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	10.3 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	38.11%
Health Care	9.64%
Technology	9.38%
Consumer Cyclical	9.08%
Basic Materials	8.18%
Energy	5.51%
Communication Services	5.09%
Industrials	4.98%
Consumer Defensive	4.87%
Utility	4.01%

Asset Allocation

Asset Class	Value
Cash	0.76%
Equity	99.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	7%	₹1,125 Cr	12,005,503 ↓ -1,814,327
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	6%	₹1,116 Cr	7,531,625
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	6%	₹1,102 Cr	11,163,908
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	6%	₹1,053 Cr	8,539,630 ↑ 578,568
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	5%	₹921 Cr	6,847,829
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹585 Cr	2,849,097 ↑ 214,281
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	3%	₹532 Cr	1,525,251 ↑ 120,380
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹520 Cr	2,473,650 ↓ -393,180
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 24 \| LT	2%	₹431 Cr	1,068,068
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Nov 22 \| HINDUNILVR	2%	₹369 Cr	1,495,324

5. 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).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
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 (upper 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
31 Oct 20	₹10,000
31 Oct 21	₹16,669

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 24 Nov 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

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.