2022 मध्ये SIP गुंतवणुकीसाठी सर्वोत्तम ELSS म्युच्युअल फंड

Updated on August 30, 2025 , 5434 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. 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 (₹4,595 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.25% (lower mid).
3Y return: 14.59% (bottom quartile).
1Y return: -4.59% (bottom quartile).
Alpha: 0.24 (lower mid).
Sharpe: -0.42 (lower mid).
Information ratio: -0.22 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.6%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (01 Sep 25)	₹43.3351 ↑ 0.46 (1.08 %)
Net Assets (Cr)	₹4,595 on 31 Jul 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.42
Information Ratio	-0.22
Alpha Ratio	0.24
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,061
31 Aug 22	₹16,262
31 Aug 23	₹18,541
31 Aug 24	₹25,478
31 Aug 25	₹24,048

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 Sep 25

Duration	Returns
1 Month	-0.3%
3 Month	-0.6%
6 Month	13.1%
1 Year	-4.6%
3 Year	14.6%
5 Year	19.3%
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 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	34.15%
Industrials	14.5%
Consumer Cyclical	13.87%
Basic Materials	7.14%
Technology	6.27%
Energy	5.27%
Communication Services	4.22%
Health Care	3.38%
Utility	2.51%
Real Estate	2.4%
Consumer Defensive	1.76%

Asset Allocation

Asset Class	Value
Cash	4.55%
Equity	95.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	8%	₹348 Cr	1,725,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	7%	₹315 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹188 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹180 Cr	940,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹175 Cr	1,160,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹173 Cr	2,175,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹139 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹128 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹115 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	2%	₹99 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

Lower mid AUM (₹6,974 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.67% (top quartile).
3Y return: 14.86% (lower mid).
1Y return: -5.23% (bottom quartile).
Alpha: -3.48 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: -0.12 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~8.2%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (01 Sep 25)	₹149.587 ↑ 0.93 (0.63 %)
Net Assets (Cr)	₹6,974 on 31 Jul 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.74
Information Ratio	-0.12
Alpha Ratio	-3.48
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,881
31 Aug 22	₹18,545
31 Aug 23	₹22,104
31 Aug 24	₹29,535
31 Aug 25	₹27,817

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 Sep 25

Duration	Returns
1 Month	0.6%
3 Month	0.1%
6 Month	12%
1 Year	-5.2%
3 Year	14.9%
5 Year	22.7%
10 Year
15 Year
Since launch	17.6%

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	1.23 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.99%
Consumer Cyclical	10.27%
Basic Materials	9.49%
Technology	8.81%
Consumer Defensive	8.62%
Energy	7.52%
Health Care	6.17%
Industrials	4.97%
Communication Services	2.47%
Real Estate	2.14%
Utility	1.85%

Asset Allocation

Asset Class	Value
Cash	4.42%
Equity	95.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹575 Cr	2,850,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹459 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹370 Cr	2,500,000 ↓ -200,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹273 Cr	900,000 ↑ 50,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹267 Cr	1,350,000 ↑ 200,001
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹204 Cr	1,350,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹203 Cr	1,900,000 ↓ -600,001
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹190 Cr	2,388,280 ↑ 1,563,280
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹172 Cr	900,000 ↓ -100,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹149 Cr	350,000

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 (₹15,457 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.72% (bottom quartile).
3Y return: 13.50% (bottom quartile).
1Y return: -0.98% (upper mid).
Alpha: 1.19 (upper mid).
Sharpe: -0.36 (upper mid).
Information ratio: -0.94 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~8.8%).

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 (01 Sep 25)	₹60.34 ↑ 0.59 (0.99 %)
Net Assets (Cr)	₹15,457 on 31 Jul 25
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	-0.36
Information Ratio	-0.94
Alpha Ratio	1.19
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹13,154
31 Aug 22	₹13,195
31 Aug 23	₹14,048
31 Aug 24	₹19,315
31 Aug 25	₹18,938

Aditya Birla Sun Life Tax Relief '96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 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 1 Sep 25

Duration	Returns
1 Month	1.2%
3 Month	2.2%
6 Month	17.6%
1 Year	-1%
3 Year	13.5%
5 Year	13.7%
10 Year
15 Year
Since launch	10.8%

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	0.84 Yr.
Dhaval Joshi	21 Nov 22	2.78 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	32.12%
Consumer Cyclical	15.1%
Health Care	11.45%
Consumer Defensive	7.78%
Technology	7.78%
Industrials	7.07%
Basic Materials	7.01%
Energy	4.89%
Communication Services	3.42%
Utility	1.23%
Real Estate	0.68%

Asset Allocation

Asset Class	Value
Cash	1.5%
Equity	98.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,354 Cr	9,137,798
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	8%	₹1,166 Cr	5,775,252
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	5%	₹717 Cr	4,749,292
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jan 20 \| 532843	4%	₹655 Cr	7,634,241
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| 532215	3%	₹541 Cr	5,060,879
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	3%	₹529 Cr	2,761,864
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	3%	₹523 Cr	3,760,426
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	3%	₹486 Cr	6,101,415 ↑ 1,272,950
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	3%	₹401 Cr	13,042,983
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 08 \| LT	3%	₹401 Cr	1,101,782

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 (₹16,981 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.53% (upper mid).
3Y return: 18.63% (upper mid).
1Y return: -4.08% (lower mid).
Alpha: -0.09 (bottom quartile).
Sharpe: -0.45 (bottom quartile).
Information ratio: 0.88 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.2%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (01 Sep 25)	₹136.158 ↑ 1.49 (1.11 %)
Net Assets (Cr)	₹16,981 on 31 Jul 25
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	-0.45
Information Ratio	0.88
Alpha Ratio	-0.09
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,494
31 Aug 22	₹16,817
31 Aug 23	₹19,444
31 Aug 24	₹29,136
31 Aug 25	₹27,641

DSP Tax Saver 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 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 Sep 25

Duration	Returns
1 Month	-0.4%
3 Month	-1.4%
6 Month	12.1%
1 Year	-4.1%
3 Year	18.6%
5 Year	22.5%
10 Year
15 Year
Since launch	15.1%

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 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	36.23%
Health Care	10.59%
Consumer Cyclical	9.99%
Basic Materials	8.79%
Technology	7.33%
Industrials	5.23%
Consumer Defensive	5.13%
Communication Services	4.66%
Energy	4.51%
Utility	3.65%

Asset Allocation

Asset Class	Value
Cash	3.88%
Equity	96.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,216 Cr	6,025,183
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	6%	₹1,084 Cr	7,317,696
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	6%	₹1,040 Cr	13,050,732 ↑ 300,093
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	5%	₹851 Cr	7,961,062
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	5%	₹777 Cr	5,148,064 ↑ 273,521
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹504 Cr	2,634,816
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	2%	₹412 Cr	1,286,941 ↑ 17,212
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	2%	₹408 Cr	2,062,430
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 19 \| 500547	2%	₹394 Cr	11,957,961 ↑ 1,275,931
Cipla Ltd (Healthcare) Equity, Since 30 Apr 23 \| 500087	2%	₹391 Cr	2,514,972

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 (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
31 Aug 20	₹10,000
31 Aug 21	₹15,833

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 Sep 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.