6 सर्वोत्तम परफॉर्मिंग टॅक्स सेव्हिंग म्युच्युअल फंड 2022

Updated on August 8, 2025 , 3609 views

कराचा हंगाम जवळ आला असताना, गुंतवणूक करणारे गुंतवणूकदारELSS मध्ये सर्वोत्तम कामगिरी करणाऱ्या फंडांकडे नेहमी लक्ष द्याबाजार. बर्‍याच गुंतवणूकदारांना बर्‍याचपैकी एक फंड निवडणे कठीण जात असल्याने, आम्ही ईएलएसएस श्रेणीतील काही सर्वोत्तम कामगिरी करणाऱ्यांना सुचवण्यासाठी आलो आहोत.

गुंतवणूकदार या फंडांमध्ये गुंतवणूक करू शकतात आणि अंतर्गत दरवर्षी 1.5 लाख रुपयांपर्यंत बचत करू शकतातकलम 80C च्याआयकर कायदा 1961. ELSS योजनांचा लॉक-इन कालावधी किमान 3 वर्षांचा असतो. आमची शिफारस केलेली सर्वोत्तम कामगिरी कर बचतम्युच्युअल फंड AUM सारखे काही महत्त्वाचे पॅरामीटर्स हाती घेऊन काळजीपूर्वक शॉर्टलिस्ट केले आहे,नाही, मागील कामगिरी इ.

अशा प्रकारे, गुंतवणूकदार त्यांच्या कर बचतीची योजना सहजपणे करू शकतातगुंतवणूक या निधीमध्ये.

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बेस्ट परफॉर्मिंग टॅक्स सेव्हिंग म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Tata India Tax Savings Fund Growth	₹43.0591 ↓ -0.46	₹4,711	3.2	2.9	0.3	14.9	19.7	19.5
Bandhan Tax Advantage (ELSS) Fund Growth	₹147.227 ↓ -1.55	₹7,151	2.1	2.7	-2.8	14.9	23.4	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	₹217.864 ↓ -1.75	₹1,519	3.8	5	2.7	13.3	19	12
Invesco India Tax Plan Growth	₹121.47 ↓ -1.32	₹2,911	3.2	0.5	-1.1	16	18.6	25.2
Kotak Tax Saver Fund Growth	₹112.34 ↓ -1.08	₹6,493	3	3.9	-2.6	15.7	20.8	21.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 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 (₹4,711 Cr).	Highest AUM (₹7,151 Cr).	Bottom quartile AUM (₹1,318 Cr).	Bottom quartile AUM (₹1,519 Cr).	Lower mid AUM (₹2,911 Cr).	Upper mid AUM (₹6,493 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: 19.75% (upper mid).	5Y return: 23.40% (top quartile).	5Y return: 17.39% (bottom quartile).	5Y return: 19.01% (lower mid).	5Y return: 18.60% (bottom quartile).	5Y return: 20.84% (upper mid).
Point 6	3Y return: 14.94% (bottom quartile).	3Y return: 14.94% (lower mid).	3Y return: 20.64% (top quartile).	3Y return: 13.25% (bottom quartile).	3Y return: 16.00% (upper mid).	3Y return: 15.70% (upper mid).
Point 7	1Y return: 0.34% (upper mid).	1Y return: -2.81% (bottom quartile).	1Y return: 35.51% (top quartile).	1Y return: 2.67% (upper mid).	1Y return: -1.14% (lower mid).	1Y return: -2.57% (bottom quartile).
Point 8	Alpha: -0.42 (upper mid).	Alpha: -2.56 (bottom quartile).	Alpha: 1.75 (top quartile).	Alpha: -0.44 (lower mid).	Alpha: 0.93 (upper mid).	Alpha: -3.79 (bottom quartile).
Point 9	Sharpe: -0.01 (upper mid).	Sharpe: -0.21 (bottom quartile).	Sharpe: 2.27 (top quartile).	Sharpe: -0.02 (lower mid).	Sharpe: 0.03 (upper mid).	Sharpe: -0.21 (bottom quartile).
Point 10	Information ratio: -0.31 (bottom quartile).	Information ratio: -0.30 (lower mid).	Information ratio: -0.15 (upper mid).	Information ratio: -1.14 (bottom quartile).	Information ratio: 0.17 (top quartile).	Information ratio: -0.03 (upper mid).

Tata India Tax Savings Fund

Upper mid AUM (₹4,711 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.75% (upper mid).
3Y return: 14.94% (bottom quartile).
1Y return: 0.34% (upper mid).
Alpha: -0.42 (upper mid).
Sharpe: -0.01 (upper mid).
Information ratio: -0.31 (bottom quartile).

Bandhan Tax Advantage (ELSS) Fund

Highest AUM (₹7,151 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.40% (top quartile).
3Y return: 14.94% (lower mid).
1Y return: -2.81% (bottom quartile).
Alpha: -2.56 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: -0.30 (lower 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 (upper mid).

Sundaram Diversified Equity Fund

Bottom quartile AUM (₹1,519 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.01% (lower mid).
3Y return: 13.25% (bottom quartile).
1Y return: 2.67% (upper mid).
Alpha: -0.44 (lower mid).
Sharpe: -0.02 (lower mid).
Information ratio: -1.14 (bottom quartile).

Invesco India Tax Plan

Lower mid AUM (₹2,911 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.60% (bottom quartile).
3Y return: 16.00% (upper mid).
1Y return: -1.14% (lower mid).
Alpha: 0.93 (upper mid).
Sharpe: 0.03 (upper mid).
Information ratio: 0.17 (top quartile).

Kotak Tax Saver Fund

Upper mid AUM (₹6,493 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.84% (upper mid).
3Y return: 15.70% (upper mid).
1Y return: -2.57% (bottom quartile).
Alpha: -3.79 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: -0.03 (upper mid).

*1000 कोटी ते 10 दरम्यान निव्वळ मालमत्ता असलेल्या कर बचत म्युच्युअल फंडांची यादी,000 कोटी.

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 (₹4,711 Cr).
Established history (10+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.75% (upper mid).
3Y return: 14.94% (bottom quartile).
1Y return: 0.34% (upper mid).
Alpha: -0.42 (upper mid).
Sharpe: -0.01 (upper mid).
Information ratio: -0.31 (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 (08 Aug 25)	₹43.0591 ↓ -0.46 (-1.06 %)
Net Assets (Cr)	₹4,711 on 30 Jun 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	-0.02
Information Ratio	-0.31
Alpha Ratio	-0.42
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹14,788
31 Jul 22	₹16,197
31 Jul 23	₹19,199
31 Jul 24	₹25,864
31 Jul 25	₹25,568

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 8 Aug 25

Duration	Returns
1 Month	-4.1%
3 Month	3.2%
6 Month	2.9%
1 Year	0.3%
3 Year	14.9%
5 Year	19.7%
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	0.08 Yr.
Sailesh Jain	16 Dec 21	3.63 Yr.

Data below for Tata India Tax Savings Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	34.15%
Consumer Cyclical	14.22%
Industrials	13.87%
Basic Materials	6.85%
Technology	6.75%
Energy	5.51%
Communication Services	4.32%
Health Care	3.23%
Real Estate	2.46%
Utility	2.45%
Consumer Defensive	1%

Asset Allocation

Asset Class	Value
Cash	5.19%
Equity	94.81%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹345 Cr	1,725,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| 532174	7%	₹307 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹203 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹189 Cr	940,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹186 Cr	1,160,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹178 Cr	2,175,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹156 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹129 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	2%	₹116 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	2%	₹105 Cr	6,800,000

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 (₹7,151 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.40% (top quartile).
3Y return: 14.94% (lower mid).
1Y return: -2.81% (bottom quartile).
Alpha: -2.56 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: -0.30 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~8.0%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (08 Aug 25)	₹147.227 ↓ -1.55 (-1.04 %)
Net Assets (Cr)	₹7,151 on 30 Jun 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	-0.21
Information Ratio	-0.3
Alpha Ratio	-2.56
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹17,656
31 Jul 22	₹18,991
31 Jul 23	₹23,480
31 Jul 24	₹31,323
31 Jul 25	₹30,039

Bandhan Tax Advantage (ELSS) 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 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 8 Aug 25

Duration	Returns
1 Month	-4.7%
3 Month	2.1%
6 Month	2.7%
1 Year	-2.8%
3 Year	14.9%
5 Year	23.4%
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	8.78 Yr.
Ritika Behera	7 Oct 23	1.82 Yr.
Gaurav Satra	10 Jun 24	1.14 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	32.41%
Consumer Cyclical	9.71%
Basic Materials	9.36%
Technology	8.87%
Consumer Defensive	8.17%
Energy	7.85%
Health Care	6.2%
Industrials	5.33%
Communication Services	2.81%
Real Estate	1.98%
Utility	1.87%

Asset Allocation

Asset Class	Value
Cash	5.18%
Equity	94.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹570 Cr	2,850,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹495 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| 532174	5%	₹390 Cr	2,700,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	4%	₹300 Cr	2,500,001 ↓ -399,999
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹294 Cr	850,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	3%	₹249 Cr	1,149,999 ↑ 149,999
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹216 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	3%	₹201 Cr	1,000,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹148 Cr	350,000
Jindal Steel & Power Ltd (Basic Materials) Equity, Since 31 Mar 18 \| 532286	2%	₹141 Cr	1,500,000

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 (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 Jul 20	₹10,000
31 Jul 21	₹15,844

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 8 Aug 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 (₹1,519 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.01% (lower mid).
3Y return: 13.25% (bottom quartile).
1Y return: 2.67% (upper mid).
Alpha: -0.44 (lower mid).
Sharpe: -0.02 (lower mid).
Information ratio: -1.14 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding HDFC Bank Ltd (~9.5%).

Below is the key information for Sundaram Diversified Equity Fund

Sundaram Diversified Equity Fund Growth
Launch Date	22 Nov 99
NAV (08 Aug 25)	₹217.864 ↓ -1.75 (-0.80 %)
Net Assets (Cr)	₹1,519 on 30 Jun 25
Category	Equity - ELSS
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.16
Sharpe Ratio	-0.02
Information Ratio	-1.14
Alpha Ratio	-0.44
Min Investment	500
Min SIP Investment	250
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹15,089
31 Jul 22	₹16,439
31 Jul 23	₹19,315
31 Jul 24	₹24,479
31 Jul 25	₹24,695

Sundaram Diversified Equity 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 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 8 Aug 25

Duration	Returns
1 Month	-2.5%
3 Month	3.8%
6 Month	5%
1 Year	2.7%
3 Year	13.3%
5 Year	19%
10 Year
15 Year
Since launch	15.8%

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	4.43 Yr.
Bharath Subramanian	2 Jun 25	0.16 Yr.

Data below for Sundaram Diversified Equity Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	31.88%
Consumer Cyclical	11.74%
Industrials	10.48%
Consumer Defensive	7.07%
Health Care	6.69%
Technology	6.64%
Energy	6.37%
Basic Materials	6.34%
Communication Services	5.01%
Utility	1.86%

Asset Allocation

Asset Class	Value
Cash	5.91%
Equity	94.08%
Other	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| HDFCBANK	10%	₹145 Cr	724,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| 532174	8%	₹128 Cr	883,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 12 \| RELIANCE	5%	₹76 Cr	504,000
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| 532215	4%	₹61 Cr	505,000 ↑ 86,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	3%	₹51 Cr	256,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 18 \| LT	3%	₹51 Cr	138,000
Sundaram Liquid Dir Gr Investment Fund \| -	3%	₹50 Cr	214,777 ↑ 214,777
Infosys Ltd (Technology) Equity, Since 30 Nov 16 \| INFY	3%	₹49 Cr	306,000
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹49 Cr	595,000
ITC Ltd (Consumer Defensive) Equity, Since 28 Feb 23 \| ITC	3%	₹44 Cr	1,046,000

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 (₹2,911 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.60% (bottom quartile).
3Y return: 16.00% (upper mid).
1Y return: -1.14% (lower mid).
Alpha: 0.93 (upper mid).
Sharpe: 0.03 (upper mid).
Information ratio: 0.17 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~6.1%).

Below is the key information for Invesco India Tax Plan

Invesco India Tax Plan Growth
Launch Date	29 Dec 06
NAV (08 Aug 25)	₹121.47 ↓ -1.32 (-1.08 %)
Net Assets (Cr)	₹2,911 on 30 Jun 25
Category	Equity - ELSS
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.97
Sharpe Ratio	0.03
Information Ratio	0.17
Alpha Ratio	0.93
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹15,108
31 Jul 22	₹14,800
31 Jul 23	₹17,362
31 Jul 24	₹24,655
31 Jul 25	₹24,409

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 8 Aug 25

Duration	Returns
1 Month	-4.8%
3 Month	3.2%
6 Month	0.5%
1 Year	-1.1%
3 Year	16%
5 Year	18.6%
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	4.91 Yr.
Deepesh Kashyap	1 Jul 25	0.08 Yr.

Data below for Invesco India Tax Plan as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	23.86%
Consumer Cyclical	23.04%
Industrials	14.96%
Technology	11.04%
Health Care	8.75%
Basic Materials	5.78%
Consumer Defensive	3.54%
Communication Services	2.36%
Energy	2.14%
Real Estate	1.75%
Utility	1.74%

Asset Allocation

Asset Class	Value
Cash	1.04%
Equity	98.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| HDFCBANK	6%	₹178 Cr	888,461 ↓ -124,075
Infosys Ltd (Technology) Equity, Since 31 Dec 19 \| INFY	5%	₹155 Cr	965,480 ↑ 276,794
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| 532174	3%	₹87 Cr	602,802 ↓ -90,402
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	3%	₹82 Cr	879,010 ↑ 693,566
Home First Finance Co India Ltd --- (Financial Services) Equity, Since 31 Mar 23 \| HOMEFIRST	3%	₹78 Cr	568,508
LTIMindtree Ltd (Technology) Equity, Since 30 Sep 24 \| LTIM	3%	₹77 Cr	145,427
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹76 Cr	632,481 ↓ -26,151
Metro Brands Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| 543426	3%	₹75 Cr	648,682
FSN E-Commerce Ventures Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| 543384	3%	₹73 Cr	3,516,833 ↑ 703,082
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	2%	₹72 Cr	1,803,333 ↑ 186,255

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 (₹6,493 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.84% (upper mid).
3Y return: 15.70% (upper mid).
1Y return: -2.57% (bottom quartile).
Alpha: -3.79 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: -0.03 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
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 (08 Aug 25)	₹112.34 ↓ -1.08 (-0.96 %)
Net Assets (Cr)	₹6,493 on 30 Jun 25
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.21
Information Ratio	-0.03
Alpha Ratio	-3.79
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹15,469
31 Jul 22	₹16,545
31 Jul 23	₹19,922
31 Jul 24	₹27,905
31 Jul 25	₹26,809

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 8 Aug 25

Duration	Returns
1 Month	-5%
3 Month	3%
6 Month	3.9%
1 Year	-2.6%
3 Year	15.7%
5 Year	20.8%
10 Year
15 Year
Since launch	13.1%

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	9.94 Yr.

Data below for Kotak Tax Saver Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	30.17%
Industrials	13.24%
Technology	10.65%
Basic Materials	10.26%
Consumer Cyclical	9.37%
Energy	6.66%
Utility	5.77%
Communication Services	4.66%
Consumer Defensive	4.61%
Health Care	4.37%

Asset Allocation

Asset Class	Value
Cash	0.26%
Equity	99.74%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	9%	₹600 Cr	3,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	6%	₹376 Cr	2,599,780
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹249 Cr	1,239,286
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	4%	₹240 Cr	1,500,000 ↓ -100,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	4%	₹228 Cr	1,350,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	3%	₹221 Cr	2,700,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| 532215	3%	₹210 Cr	1,750,000
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 14 \| LT	3%	₹183 Cr	500,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹167 Cr	5,000,000
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 29 Feb 24 \| HINDPETRO	3%	₹164 Cr	3,750,000

इक्विटी लिंक्ड सेव्हिंग स्कीममध्ये कर बचत

ELSS सह आणि त्याशिवाय कर बचतीची तुलना करून कर लाभ तपासूया:

विशेष	कर नियोजन (ELSS)	कर नियोजन नाही
एकूण एकूणउत्पन्न	8,00,000	8,00,000
कर आकारणीतून सूट	१,५०,०००	शून्य
एकूणकरपात्र उत्पन्न	6,50,000	8,00,000
कर भरावा लागेल	32,500	६२,५००
जतन केलेली रक्कम	30,000	शून्य

म्हणून, ELSS मध्ये गुंतवणुकीद्वारे बचत केलेली एकूण रक्कम INR 30,000 आहे.

टॅक्स सेव्हिंग म्युच्युअल फंडात गुंतवणुकीचे फायदे

कर लाभांसह, ELSS तुम्हाला खालील फायदे देखील देते:

इक्विटी परतावा

ELSS हे इक्विटी आणि टॅक्स सेव्हिंगचे संयोजन असल्याने, शेअर बाजार जसजसा वाढतो तसतसे तुम्ही गुंतवलेले पैसे वाढतात. त्यामुळे गुंतवणूकदार इक्विटी मार्केटमधूनही परतावा मिळवू शकतात. म्हणूनच, दीर्घकालीन संपत्ती निर्मितीसाठी ELSS देखील एक मार्ग आहे.

SIP फायदे

एकरकमी रक्कम गुंतवण्याऐवजी, गुंतवणूकदार मासिक गुंतवणूक करून एक सोपा मार्ग निवडू शकतात.SIP. SIP सह, एखादी व्यक्ती INR 500 इतकी कमी गुंतवणूक करू शकते, ज्यामुळे ते गुंतवणूकदारांसाठी सर्वात परवडणारे कर-नियोजन आणि गुंतवणूकीचे मार्ग बनते.

सर्वात कमी लॉक-इन कालावधी

ELSS चा लॉक-इन कालावधी 3 वर्षांचा आहे, जो इतर सर्व कर-बचत साधनांमध्ये सर्वात कमी लॉक-इन कालावधी आहे.

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सुरु करूया

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.