6 सर्वोत्तम परफॉर्मिंग टॅक्स सेव्हिंग म्युच्युअल फंड 2022

Updated on August 1, 2026 , 4383 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 (%)	2025 (%)
Tata India Tax Savings Fund Growth	₹47.5257 ↑ 0.64	₹4,597	5.8	4.4	9.3	13.4	12.8	4.9
Bandhan Tax Advantage (ELSS) Fund Growth	₹158.563 ↑ 2.59	₹6,911	5.4	1.5	6.6	11	12	8
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
BOI AXA Tax Advantage Fund Growth	₹165.82 ↑ 2.45	₹1,406	1.8	3.8	6.4	13.5	11.4	-3.5
Kotak Tax Saver Fund Growth	₹119.114 ↑ 1.66	₹6,197	6.2	1.8	4.4	12.2	11.9	1.8
Invesco India Tax Plan Growth	₹127.21 ↑ 2.02	₹2,646	9.7	5.1	3.2	13.4	10.2	-2.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Tata India Tax Savings Fund	Bandhan Tax Advantage (ELSS) Fund	HDFC Long Term Advantage Fund	BOI AXA Tax Advantage Fund	Kotak Tax Saver Fund	Invesco India Tax Plan
Point 1	Upper mid AUM (₹4,597 Cr).	Highest AUM (₹6,911 Cr).	Bottom quartile AUM (₹1,318 Cr).	Bottom quartile AUM (₹1,406 Cr).	Upper mid AUM (₹6,197 Cr).	Lower mid AUM (₹2,646 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Oldest track record among peers (25 yrs).	Established history (17+ yrs).	Established history (20+ 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: 12.77% (upper mid).	5Y return: 11.99% (upper mid).	5Y return: 17.39% (top quartile).	5Y return: 11.38% (bottom quartile).	5Y return: 11.94% (lower mid).	5Y return: 10.16% (bottom quartile).
Point 6	3Y return: 13.44% (upper mid).	3Y return: 11.04% (bottom quartile).	3Y return: 20.64% (top quartile).	3Y return: 13.45% (upper mid).	3Y return: 12.18% (bottom quartile).	3Y return: 13.35% (lower mid).
Point 7	1Y return: 9.29% (upper mid).	1Y return: 6.64% (upper mid).	1Y return: 35.51% (top quartile).	1Y return: 6.38% (lower mid).	1Y return: 4.43% (bottom quartile).	1Y return: 3.20% (bottom quartile).
Point 8	Alpha: 4.23 (top quartile).	Alpha: 0.89 (lower mid).	Alpha: 1.75 (upper mid).	Alpha: 1.82 (upper mid).	Alpha: -1.55 (bottom quartile).	Alpha: -2.43 (bottom quartile).
Point 9	Sharpe: -0.09 (upper mid).	Sharpe: -0.29 (lower mid).	Sharpe: 2.27 (top quartile).	Sharpe: -0.22 (upper mid).	Sharpe: -0.41 (bottom quartile).	Sharpe: -0.46 (bottom quartile).
Point 10	Information ratio: 0.22 (upper mid).	Information ratio: -0.51 (bottom quartile).	Information ratio: -0.15 (lower mid).	Information ratio: 0.32 (top quartile).	Information ratio: -0.31 (bottom quartile).	Information ratio: -0.05 (upper mid).

Tata India Tax Savings Fund

Upper mid AUM (₹4,597 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.77% (upper mid).
3Y return: 13.44% (upper mid).
1Y return: 9.29% (upper mid).
Alpha: 4.23 (top quartile).
Sharpe: -0.09 (upper mid).
Information ratio: 0.22 (upper mid).

Bandhan Tax Advantage (ELSS) Fund

Highest AUM (₹6,911 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.99% (upper mid).
3Y return: 11.04% (bottom quartile).
1Y return: 6.64% (upper mid).
Alpha: 0.89 (lower mid).
Sharpe: -0.29 (lower mid).
Information ratio: -0.51 (bottom quartile).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (lower mid).

BOI AXA Tax Advantage Fund

Bottom quartile AUM (₹1,406 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.38% (bottom quartile).
3Y return: 13.45% (upper mid).
1Y return: 6.38% (lower mid).
Alpha: 1.82 (upper mid).
Sharpe: -0.22 (upper mid).
Information ratio: 0.32 (top quartile).

Kotak Tax Saver Fund

Upper mid AUM (₹6,197 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.94% (lower mid).
3Y return: 12.18% (bottom quartile).
1Y return: 4.43% (bottom quartile).
Alpha: -1.55 (bottom quartile).
Sharpe: -0.41 (bottom quartile).
Information ratio: -0.31 (bottom quartile).

Invesco India Tax Plan

Lower mid AUM (₹2,646 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.16% (bottom quartile).
3Y return: 13.35% (lower mid).
1Y return: 3.20% (bottom quartile).
Alpha: -2.43 (bottom quartile).
Sharpe: -0.46 (bottom quartile).
Information ratio: -0.05 (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 (₹4,597 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.77% (upper mid).
3Y return: 13.44% (upper mid).
1Y return: 9.29% (upper mid).
Alpha: 4.23 (top quartile).
Sharpe: -0.09 (upper mid).
Information ratio: 0.22 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~5.8%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (03 Aug 26)	₹47.5257 ↑ 0.64 (1.37 %)
Net Assets (Cr)	₹4,597 on 30 Jun 26
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.09
Information Ratio	0.22
Alpha Ratio	4.23
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,953
31 Jul 23	₹12,983
31 Jul 24	₹17,490
31 Jul 25	₹17,289
31 Jul 26	₹18,423

Tata India Tax Savings Fund 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 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 3 Aug 26

Duration	Returns
1 Month	2.5%
3 Month	5.8%
6 Month	4.4%
1 Year	9.3%
3 Year	13.4%
5 Year	12.8%
10 Year
15 Year
Since launch	14.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.9%
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%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.63 Yr.

Data below for Tata India Tax Savings Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	34.41%
Industrials	16.89%
Consumer Cyclical	11.65%
Health Care	6.48%
Communication Services	5.75%
Energy	5.22%
Basic Materials	5.05%
Technology	4.03%
Utility	2.68%
Real Estate	1.91%
Consumer Defensive	1.42%

Asset Allocation

Asset Class	Value
Cash	4.51%
Equity	95.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	6%	₹267 Cr	3,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	6%	₹264 Cr	1,426,428
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	5%	₹245 Cr	1,781,000 ↓ -269,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹209 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹175 Cr	1,350,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹146 Cr	352,147
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹146 Cr	9,850,000
PB Fintech Ltd (Financial Services) Equity, Since 28 Feb 26 \| POLICYBZR	3%	₹133 Cr	814,850 ↑ 150,000
Cummins India Ltd (Industrials) Equity, Since 31 Dec 20 \| 500480	3%	₹130 Cr	230,000
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹123 Cr	3,451,000

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 (₹6,911 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.99% (upper mid).
3Y return: 11.04% (bottom quartile).
1Y return: 6.64% (upper mid).
Alpha: 0.89 (lower mid).
Sharpe: -0.29 (lower mid).
Information ratio: -0.51 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~8.1%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (03 Aug 26)	₹158.563 ↑ 2.59 (1.66 %)
Net Assets (Cr)	₹6,911 on 30 Jun 26
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.29
Information Ratio	-0.51
Alpha Ratio	0.89
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,756
31 Jul 23	₹13,299
31 Jul 24	₹17,741
31 Jul 25	₹17,013
31 Jul 26	₹17,654

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 3 Aug 26

Duration	Returns
1 Month	2.2%
3 Month	5.4%
6 Month	1.5%
1 Year	6.6%
3 Year	11%
5 Year	12%
10 Year
15 Year
Since launch	17%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8%
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%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.79 Yr.
Ritika Behera	7 Oct 23	2.82 Yr.
Gaurav Satra	10 Jun 24	2.14 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	34.7%
Consumer Defensive	9.44%
Consumer Cyclical	9.37%
Technology	9.01%
Energy	7.72%
Health Care	6.72%
Basic Materials	5.86%
Industrials	4.71%
Communication Services	2.61%
Real Estate	2.41%
Utility	2.06%

Asset Allocation

Asset Class	Value
Cash	5.38%
Equity	94.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹559 Cr	7,000,000 ↑ 300,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	6%	₹440 Cr	3,400,000 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹371 Cr	2,700,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	5%	₹353 Cr	9,000,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹254 Cr	1,250,000 ↑ 100,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	4%	₹246 Cr	1,825,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| MARUTI	3%	₹191 Cr	135,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹185 Cr	1,850,000 ↑ 250,000
Sterlite Technologies Ltd (Technology) Equity, Since 30 Apr 24 \| STLTECH	3%	₹184 Cr	3,000,000 ↓ -1,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 24 \| LT	3%	₹176 Cr	425,000

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).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
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

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 3 Aug 26

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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. 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 (₹1,406 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.38% (bottom quartile).
3Y return: 13.45% (upper mid).
1Y return: 6.38% (lower mid).
Alpha: 1.82 (upper mid).
Sharpe: -0.22 (upper mid).
Information ratio: 0.32 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~4.7%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (03 Aug 26)	₹165.82 ↑ 2.45 (1.50 %)
Net Assets (Cr)	₹1,406 on 30 Jun 26
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.22
Information Ratio	0.32
Alpha Ratio	1.82
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹9,927
31 Jul 23	₹12,134
31 Jul 24	₹18,689
31 Jul 25	₹16,778
31 Jul 26	₹17,242

BOI AXA Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	3.8%
1 Year	6.4%
3 Year	13.5%
5 Year	11.4%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-3.5%
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%

Fund Manager information for BOI AXA Tax Advantage Fund

Name	Since	Tenure
Alok Singh	27 Apr 22	4.27 Yr.

Data below for BOI AXA Tax Advantage Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	26.33%
Industrials	19.8%
Basic Materials	12.39%
Consumer Cyclical	10.05%
Consumer Defensive	6.32%
Utility	5.13%
Technology	3.22%
Health Care	3.13%
Communication Services	3.1%
Energy	2.07%
Real Estate	0.11%

Asset Allocation

Asset Class	Value
Cash	8.23%
Equity	91.65%
Debt	0.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	5%	₹66 Cr	639,000 ↑ 54,714
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	4%	₹54 Cr	390,000 ↑ 55,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	4%	₹50 Cr	142,759
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹49 Cr	614,000 ↑ 84,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	3%	₹48 Cr	110,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹44 Cr	235,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 30 Apr 25 \| ADANIPORTS	3%	₹41 Cr	224,000
Quality Power Electrical Equipments Ltd (Industrials) Equity, Since 31 Jul 25 \| QPOWER	3%	₹40 Cr	324,293
Power Finance Corp Ltd (Financial Services) Equity, Since 28 Feb 26 \| 532810	3%	₹38 Cr	885,000
NTPC Ltd (Utilities) Equity, Since 30 Apr 22 \| 532555	3%	₹37 Cr	1,041,000

5. 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 (₹6,197 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.94% (lower mid).
3Y return: 12.18% (bottom quartile).
1Y return: 4.43% (bottom quartile).
Alpha: -1.55 (bottom quartile).
Sharpe: -0.41 (bottom quartile).
Information ratio: -0.31 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~7.7%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (03 Aug 26)	₹119.114 ↑ 1.66 (1.42 %)
Net Assets (Cr)	₹6,197 on 30 Jun 26
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.41
Information Ratio	-0.31
Alpha Ratio	-1.55
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,695
31 Jul 23	₹12,879
31 Jul 24	₹18,039
31 Jul 25	₹17,331
31 Jul 26	₹17,638

Kotak Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 3 Aug 26

Duration	Returns
1 Month	2.5%
3 Month	6.2%
6 Month	1.8%
1 Year	4.4%
3 Year	12.2%
5 Year	11.9%
10 Year
15 Year
Since launch	12.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	1.8%
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%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	10.94 Yr.

Data below for Kotak Tax Saver Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	32.81%
Industrials	13.23%
Consumer Cyclical	11.53%
Basic Materials	8.36%
Health Care	7.03%
Energy	6.06%
Technology	5.85%
Communication Services	5.02%
Consumer Defensive	4.55%
Utility	4.43%

Asset Allocation

Asset Class	Value
Cash	1.14%
Equity	98.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	8%	₹479 Cr	6,000,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹323 Cr	3,150,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹316 Cr	2,300,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹225 Cr	1,215,714
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹185 Cr	5,200,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹169 Cr	1,200,000
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 14 \| LT	3%	₹166 Cr	400,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| ETERNAL	3%	₹159 Cr	6,000,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	3%	₹158 Cr	1,575,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 30 Sep 21 \| SUNPHARMA	2%	₹149 Cr	800,000 ↑ 50,000

6. 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 (₹2,646 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.16% (bottom quartile).
3Y return: 13.35% (lower mid).
1Y return: 3.20% (bottom quartile).
Alpha: -2.43 (bottom quartile).
Sharpe: -0.46 (bottom quartile).
Information ratio: -0.05 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding HDFC Bank Ltd (~4.1%).

Below is the key information for Invesco India Tax Plan

Invesco India Tax Plan Growth
Launch Date	29 Dec 06
NAV (03 Aug 26)	₹127.21 ↑ 2.02 (1.61 %)
Net Assets (Cr)	₹2,646 on 30 Jun 26
Category	Equity - ELSS
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	-0.46
Information Ratio	-0.05
Alpha Ratio	-2.43
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹9,796
31 Jul 23	₹11,492
31 Jul 24	₹16,320
31 Jul 25	₹16,156
31 Jul 26	₹16,229

Invesco India Tax Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 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 3 Aug 26

Duration	Returns
1 Month	2.8%
3 Month	9.7%
6 Month	5.1%
1 Year	3.2%
3 Year	13.4%
5 Year	10.2%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-2.8%
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%

Fund Manager information for Invesco India Tax Plan

Name	Since	Tenure
Deepesh Kashyap	1 Jul 25	1.08 Yr.

Data below for Invesco India Tax Plan as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	29.07%
Industrials	20.39%
Consumer Cyclical	18.08%
Health Care	10.28%
Basic Materials	5.81%
Technology	4.95%
Real Estate	4.5%
Consumer Defensive	2.75%
Communication Services	1.94%
Energy	1.87%

Asset Allocation

Asset Class	Value
Cash	0.36%
Equity	99.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| HDFCBANK	4%	₹108 Cr	1,352,924 ↑ 169,845
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| ICICIBANK	4%	₹101 Cr	734,568 ↑ 60,447
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| 532215	2%	₹66 Cr	490,437
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	2%	₹57 Cr	568,914 ↓ -68,516
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 25 \| INDIGO	2%	₹57 Cr	105,638 ↓ -17,251
Jyoti CNC Automation Ltd (Industrials) Equity, Since 30 Jun 24 \| JYOTICNC	2%	₹54 Cr	691,963 ↑ 128,429
Transformers & Rectifiers (India) Ltd (Industrials) Equity, Since 30 Sep 25 \| TARIL	2%	₹53 Cr	1,515,471
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 26 \| BHARTIARTL	2%	₹51 Cr	277,772 ↑ 69,347
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| KOTAKBANK	2%	₹51 Cr	1,303,739 ↑ 200,942
Metro Brands Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| METROBRAND	2%	₹51 Cr	507,885

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.