ELSS एकमेव आहेम्युच्युअल फंड 80C कपातीसाठी पात्र. हा एक वैविध्यपूर्ण इक्विटी म्युच्युअल फंड आहे जो रु. पर्यंत कर वजावट देतो. 1.5 लाख वार्षिक अंतर्गतकलम 80C च्याआयकर कायदा (आयटी कायदा 1961).

फेबुरी बजेट 2018 सादर होण्यापूर्वी, त्याचे रिटर्न पूर्णपणे करमुक्त होते. तथापि, आता ते 10% दीर्घकालीन अधीन आहेभांडवल लाभ कर जर तुमचाभांडवली नफा रु. पेक्षा जास्त एक वर्षानंतर 1 लाख. 10% कर कपात केल्यानंतरही, ELSS मध्ये इतर कर-बचत साधनांच्या तुलनेत उत्कृष्ट परतावा देण्याची क्षमता आहे. ELSS गुंतवणुकीचे भत्ते फक्त एवढ्यापुरते मर्यादित नाहीतकर जतन दकंपाउंडिंगची शक्ती तुम्ही 5 वर्षांसाठी (कर बचतीचा कार्यकाळ) गुंतवणूक केल्यास तुमची गुंतवणूक दुप्पट होईल याची खात्री करतेएफडी). त्यात भर म्हणून, किमान लॉक-इन कालावधी फक्त 3 वर्षे आहे.
गुंतवणूक बँकांमधील मुदत ठेवींमधील पैसे व्यक्ती आणि HUF ला कराचा दावा करू देतातवजावट रु. पर्यंत १,५०,000 आर्थिक वर्षात. या ठेवींचा लॉक-इन कालावधी 5 वर्षांचा असतो. तथापि, तुम्ही ही ठेव मुदतीपूर्वी काढू शकत नाही. परंतु तुम्ही तुमच्या FD वर स्पर्धात्मक दरांवर कर्ज मिळवू शकता. या ठेवींवर मिळणारे व्याज, तथापि, व्यक्तीच्या करपात्र किरकोळ दर (कर ब्रॅकेटनुसार) आहे.

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विविध पॅरामीटर्सवर ईएलएसएस आणि टॅक्स सेव्हिंग एफडीमधील फरकांचे येथे एक द्रुत विहंगावलोकन आहे:
| पॅरामीटर | एफडी | ELSS |
|---|---|---|
| कार्यकाळ | 5 वर्षे लॉक-इन | 3 वर्षे लॉक-इन |
| परतावा | 7.00 - 8.00 % (वार्षिक चक्रवाढ) | कोणताही निश्चित लाभांश / परतावा नाहीबाजार साधारणपणे सुमारे 16 - 17% प्रति वर्ष जोडलेले |
| मि. गुंतवणूक | रु. 1000 | रु. ५०० |
| कमाल गुंतवणूक | कोणतीही उच्च मर्यादा नाही | कोणतीही उच्च मर्यादा नाही |
| 80c अंतर्गत कपातीसाठी पात्र रक्कम | रु. १.५ लाख | रु. १.५ लाख |
| व्याज/परताव्यासाठी कर आकारणी | व्याज करपात्र | रु. पर्यंत लाभ होतो. १ लाख करमुक्त आहेत. रु. वरील नफ्यावर 10% कर लागू होतो. १ लाख |
| सुरक्षितता/रेटिंग | सुरक्षित | थोडा धोकादायक |
| तरलता | तुम्ही 5 वर्षापूर्वी टॅक्स सेव्हिंग एफडी काढू शकत नाही | तुम्ही 3 वर्षानंतर ELSS मधून बाहेर पडू शकता किंवा काढू शकता. |
| ऑनलाइन पर्याय | सर्व बँका ऑनलाइन ऑफर करत नाहीतसुविधा एफडी उघडण्यासाठी | एखादी ELSS ऑनलाइन सुरू करू शकते - एकरकमी किंवाSIP |
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Motilal Oswal Long Term Equity Fund Growth ₹55.1015
↑ 0.47 ₹4,862 2.8 11.6 7.2 21 16 -9.1 IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04 ₹485 9.7 15.1 16.9 20.8 10 JM Tax Gain Fund Growth ₹52.551
↑ 0.70 ₹232 11.3 9.5 11.6 16.8 14.7 2.5 Baroda Pioneer ELSS 96 Growth ₹68.6676
↑ 0.33 ₹210 -6.1 -3.5 17.6 16.7 11.6 BNP Paribas Long Term Equity Fund (ELSS) Growth ₹102.319
↑ 1.61 ₹897 6.5 4.4 9.5 16.5 12.3 4.8 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 5 Funds showcased
Commentary Motilal Oswal Long Term Equity Fund IDBI Equity Advantage Fund JM Tax Gain Fund Baroda Pioneer ELSS 96 BNP Paribas Long Term Equity Fund (ELSS) Point 1 Highest AUM (₹4,862 Cr). Lower mid AUM (₹485 Cr). Bottom quartile AUM (₹232 Cr). Bottom quartile AUM (₹210 Cr). Upper mid AUM (₹897 Cr). Point 2 Established history (11+ yrs). Established history (12+ yrs). Established history (18+ yrs). Established history (11+ yrs). Oldest track record among peers (20 yrs). Point 3 Not Rated. Top rated. Rating: 3★ (upper mid). Not Rated. Rating: 3★ (lower mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 16.03% (top quartile). 5Y return: 9.97% (bottom quartile). 5Y return: 14.67% (upper mid). 5Y return: 11.62% (bottom quartile). 5Y return: 12.33% (lower mid). Point 6 3Y return: 21.03% (top quartile). 3Y return: 20.84% (upper mid). 3Y return: 16.82% (lower mid). 3Y return: 16.70% (bottom quartile). 3Y return: 16.55% (bottom quartile). Point 7 1Y return: 7.20% (bottom quartile). 1Y return: 16.92% (upper mid). 1Y return: 11.63% (lower mid). 1Y return: 17.56% (top quartile). 1Y return: 9.55% (bottom quartile). Point 8 Alpha: 6.27 (top quartile). Alpha: 1.78 (bottom quartile). Alpha: 4.31 (lower mid). Alpha: 5.69 (upper mid). Alpha: 2.78 (bottom quartile). Point 9 Sharpe: 0.02 (lower mid). Sharpe: 1.21 (upper mid). Sharpe: -0.11 (bottom quartile). Sharpe: 2.51 (top quartile). Sharpe: -0.15 (bottom quartile). Point 10 Information ratio: 0.76 (top quartile). Information ratio: -1.13 (bottom quartile). Information ratio: 0.50 (lower mid). Information ratio: -0.09 (bottom quartile). Information ratio: 0.58 (upper mid). Motilal Oswal Long Term Equity Fund
IDBI Equity Advantage Fund
JM Tax Gain Fund
Baroda Pioneer ELSS 96
BNP Paribas Long Term Equity Fund (ELSS)
*खाली 100 - 15000 कोटी दरम्यान AUM असलेल्या आणि 3 वर्षांपेक्षा जास्त वय असलेल्या फंडांची यादी आहे. 3 वर्षांच्या कामगिरीवर आधारित. (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. Below is the key information for Motilal Oswal Long Term Equity Fund Returns up to 1 year are on The Scheme will seek to invest predominantly in a diversified portfolio of equity and equity related instruments with the objective to provide investors with opportunities for capital appreciation and income along with the benefit of income-tax deduction(under section 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to be eligible for income-tax benefits under Section 80C. There can be no assurance that the investment objective under the scheme will be realized. Research Highlights for IDBI Equity Advantage Fund Below is the key information for IDBI Equity Advantage Fund Returns up to 1 year are on The investment objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities and to enable investors a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns. Research Highlights for JM Tax Gain Fund Below is the key information for JM Tax Gain Fund Returns up to 1 year are on The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961. Research Highlights for Baroda Pioneer ELSS 96 Below is the key information for Baroda Pioneer ELSS 96 Returns up to 1 year are on The investment objective of the Scheme is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent fromtime to time. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. Research Highlights for BNP Paribas Long Term Equity Fund (ELSS) Below is the key information for BNP Paribas Long Term Equity Fund (ELSS) Returns up to 1 year are on 1. Motilal Oswal Long Term Equity Fund
Motilal Oswal Long Term Equity Fund
Growth Launch Date 21 Jan 15 NAV (03 Aug 26) ₹55.1015 ↑ 0.47 (0.86 %) Net Assets (Cr) ₹4,862 on 30 Jun 26 Category Equity - ELSS AMC Motilal Oswal Asset Management Co. Ltd Rating Risk Moderately High Expense Ratio 1.65 Sharpe Ratio 0.02 Information Ratio 0.76 Alpha Ratio 6.27 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 ₹9,920 31 Jul 23 ₹12,253 31 Jul 24 ₹19,527 31 Jul 25 ₹20,258 31 Jul 26 ₹21,303 Returns for Motilal Oswal Long Term Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month -1% 3 Month 2.8% 6 Month 11.6% 1 Year 7.2% 3 Year 21% 5 Year 16% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2025 -9.1% 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% Fund Manager information for Motilal Oswal Long Term Equity Fund
Name Since Tenure Varun Sharma 3 Jul 26 0.08 Yr. Ajay Khandelwal 11 Dec 23 2.64 Yr. Ankit Agarwal 16 Mar 26 0.38 Yr. Rakesh Shetty 22 Nov 22 3.69 Yr. Data below for Motilal Oswal Long Term Equity Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 26.3% Financial Services 24.52% Consumer Cyclical 16.25% Basic Materials 14.86% Technology 13.21% Health Care 4.14% Asset Allocation
Asset Class Value Cash 0.73% Equity 99.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX6% ₹275 Cr 968,520
↓ -172,342 Ather Energy Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | ATHERENERG5% ₹227 Cr 1,990,789 Zen Technologies Ltd (Industrials)
Equity, Since 31 Dec 24 | ZENTEC4% ₹215 Cr 1,214,938
↓ -3,590 Apar Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | APARINDS4% ₹205 Cr 130,439
↓ -3,561 OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE4% ₹201 Cr 1,221,228 PTC Industries Ltd (Industrials)
Equity, Since 30 Sep 24 | 5390064% ₹198 Cr 115,181 Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials)
Equity, Since 28 Feb 23 | FLUOROCHEM4% ₹195 Cr 493,050
↑ 31,259 Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON4% ₹191 Cr 32,483,092 Shriram Finance Ltd (Financial Services)
Equity, Since 31 Dec 25 | SHRIRAMFIN4% ₹180 Cr 1,725,541 Billionbrains Garage Ventures Ltd (Financial Services)
Equity, Since 30 Nov 25 | GROWW4% ₹177 Cr 8,751,187 2. IDBI Equity Advantage Fund
IDBI Equity Advantage Fund
Growth Launch Date 10 Sep 13 NAV (28 Jul 23) ₹43.39 ↑ 0.04 (0.09 %) Net Assets (Cr) ₹485 on 30 Jun 23 Category Equity - ELSS AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 1.21 Information Ratio -1.13 Alpha Ratio 1.78 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value Returns for IDBI Equity Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 3.1% 3 Month 9.7% 6 Month 15.1% 1 Year 16.9% 3 Year 20.8% 5 Year 10% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Equity Advantage Fund
Name Since Tenure Data below for IDBI Equity Advantage Fund as on 30 Jun 23
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. JM Tax Gain Fund
JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (03 Aug 26) ₹52.551 ↑ 0.70 (1.36 %) Net Assets (Cr) ₹232 on 30 Jun 26 Category Equity - ELSS AMC JM Financial Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.37 Sharpe Ratio -0.11 Information Ratio 0.5 Alpha Ratio 4.31 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 ₹10,560 31 Jul 23 ₹12,857 31 Jul 24 ₹19,571 31 Jul 25 ₹18,435 31 Jul 26 ₹19,965 Returns for JM Tax Gain Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 4% 3 Month 11.3% 6 Month 9.5% 1 Year 11.6% 3 Year 16.8% 5 Year 14.7% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 2.5% 2024 29% 2023 30.9% 2022 0.5% 2021 32.2% 2020 18.3% 2019 14.9% 2018 -4.6% 2017 42.6% 2016 5.2% Fund Manager information for JM Tax Gain Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 1.83 Yr. Asit Bhandarkar 31 Dec 21 4.59 Yr. Ruchi Fozdar 4 Oct 24 1.82 Yr. Deepak Gupta 11 Apr 25 1.31 Yr. Data below for JM Tax Gain Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Financial Services 27.85% Consumer Cyclical 18.77% Technology 10.84% Industrials 10% Basic Materials 7.92% Health Care 7.91% Real Estate 3.85% Consumer Defensive 3.54% Energy 2.97% Communication Services 2.63% Utility 1.19% Asset Allocation
Asset Class Value Cash 2.53% Equity 97.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Syrma SGS Technology Ltd (Technology)
Equity, Since 31 May 25 | SYRMA4% ₹8 Cr 59,457 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK3% ₹8 Cr 98,262 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 25 | RELIANCE3% ₹7 Cr 53,400 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK3% ₹7 Cr 48,500 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL3% ₹6 Cr 32,950 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | 5900033% ₹6 Cr 199,000 Polycab India Ltd (Industrials)
Equity, Since 31 Jul 25 | POLYCAB3% ₹6 Cr 5,900 Wework India Management Ltd (Real Estate)
Equity, Since 31 Oct 25 | WEWORK2% ₹6 Cr 83,621 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT2% ₹6 Cr 13,672
↓ -1,275 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Apr 25 | MAXHEALTH2% ₹6 Cr 49,900 4. Baroda Pioneer ELSS 96
Baroda Pioneer ELSS 96
Growth Launch Date 2 Mar 15 NAV (11 Mar 22) ₹68.6676 ↑ 0.33 (0.48 %) Net Assets (Cr) ₹210 on 31 Jan 22 Category Equity - ELSS AMC Baroda Pioneer Asset Management Co. Ltd. Rating Risk Moderately High Expense Ratio 2.55 Sharpe Ratio 2.51 Information Ratio -0.09 Alpha Ratio 5.69 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value Returns for Baroda Pioneer ELSS 96
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month -3.9% 3 Month -6.1% 6 Month -3.5% 1 Year 17.6% 3 Year 16.7% 5 Year 11.6% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for Baroda Pioneer ELSS 96
Name Since Tenure Data below for Baroda Pioneer ELSS 96 as on 31 Jan 22
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. BNP Paribas Long Term Equity Fund (ELSS)
BNP Paribas Long Term Equity Fund (ELSS)
Growth Launch Date 5 Jan 06 NAV (03 Aug 26) ₹102.319 ↑ 1.61 (1.60 %) Net Assets (Cr) ₹897 on 30 Jun 26 Category Equity - ELSS AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.21 Sharpe Ratio -0.15 Information Ratio 0.58 Alpha Ratio 2.78 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 ₹10,148 31 Jul 23 ₹11,674 31 Jul 24 ₹16,605 31 Jul 25 ₹16,796 31 Jul 26 ₹17,912 Returns for BNP Paribas Long Term Equity Fund (ELSS)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 4.1% 3 Month 6.5% 6 Month 4.4% 1 Year 9.5% 3 Year 16.5% 5 Year 12.3% 10 Year 15 Year Since launch 12% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.8% 2024 23.6% 2023 31.3% 2022 -2.1% 2021 23.6% 2020 17.8% 2019 14.3% 2018 -9.3% 2017 42.3% 2016 -6.6% Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)
Name Since Tenure Silky Jain 1 Jul 26 0.08 Yr. Yash Mehta 1 May 26 0.25 Yr. Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 30 Jun 26
Equity Sector Allocation
Sector Value Financial Services 29.83% Consumer Cyclical 15.89% Industrials 14.15% Basic Materials 9.41% Technology 6.81% Health Care 6.63% Energy 5.11% Consumer Defensive 4.03% Utility 3.08% Communication Services 2.48% Asset Allocation
Asset Class Value Cash 2.55% Equity 97.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK4% ₹36 Cr 450,000
↓ -100,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK4% ₹34 Cr 250,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN4% ₹34 Cr 330,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE3% ₹31 Cr 240,000
↓ -41,800 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 20 | LT3% ₹29 Cr 70,000
↑ 5,000 Titan Co Ltd (Consumer Cyclical)
Equity, Since 31 May 25 | TITAN3% ₹24 Cr 55,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Nov 24 | 5001033% ₹24 Cr 580,000
↓ -121,626 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Jul 24 | NAVINFLUOR3% ₹24 Cr 31,031
↓ -654 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 Jan 25 | RADICO3% ₹23 Cr 59,011
↓ -989 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA3% ₹23 Cr 6,500
↓ -2,266
नवीन गुंतवणूक उपक्रमात येण्यापूर्वी लोक अनेक गोष्टींचा विचार करतात. वय, गुंतवणुकीचे क्षितिज आणिजोखीम भूक काही महत्त्वाचे घटक आहेत. ज्या लोकांना संपत्ती वाढीचे आणि कर लाभाचे दुहेरी लाभ हवे आहेत ते ELSS ला प्राधान्य देतात. उदाहरणार्थ, दीर्घ गुंतवणुकीचे क्षितिज आणि उच्च जोखीम असलेल्या नवीन गुंतवणूकदारांना ELSS हा एक योग्य पर्याय वाटतो. जवळचे लोकसेवानिवृत्ती टॅक्स सेव्हिंग एफडीमध्ये गुंतवणूक करू शकता कारण त्यांच्याकडे कमी जोखीम आणि दीर्घकालीन (किमान 5 वर्षे किंवा त्याहून अधिक) परताव्याची हमी असते.
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Research Highlights for Motilal Oswal Long Term Equity Fund