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ईएलएसएस वि कर बचत एफडी

Updated on August 1, 2026 , 8554 views

इक्विटी लिंक्ड सेव्हिंग स्कीम (ELSS)

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).

ELSS

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.

कर बचत मुदत ठेवी

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.

टॅक्स सेव्हर FD चे ठळक मुद्दे

Tax-saving-fd

च्या प्रमुख ठळक बाबी पाहूकर बचतकर्ता FD -

  • फक्त व्यक्ती आणि सदस्यहिंदू अविभक्त कुटुंब (HUF) मध्ये गुंतवणूक करू शकतातकर बचत एफडी योजना
  • टॅक्स सेव्हर FD ची किमान गुंतवणूक रक्कम बदलतेबँक बँक करण्यासाठी
  • टॅक्स सेव्हिंग एफडीचा लॉक-इन कालावधी पाच वर्षांचा असतो
  • तुम्हाला रु. पर्यंत कर कपात मिळू शकते. १,५०,०००
  • मुदतीपूर्वी पैसे काढण्याची तरतूद नाही
  • तुम्ही या टॅक्स सेव्हर एफडीसाठी कर्जासाठी अर्ज करू शकत नाही
  • या करबचत एफडीमध्ये गुंतवणूक कोणत्याही खाजगी किंवा सार्वजनिक क्षेत्रातील बँकेत केली जाऊ शकते (सहकारी आणि ग्रामीण बँका वगळता)
  • मध्ये केलेली गुंतवणूकपोस्ट ऑफिस पाच वर्षांपेक्षा जास्त कालावधीसाठी टाइम डिपॉझिट देखील कर बचत एफडी म्हणून पात्र ठरते
  • तुम्ही पोस्ट ऑफिस एफडी एका पोस्ट ऑफिसमधून दुसऱ्या पोस्ट ऑफिसमध्ये ट्रान्सफर करू शकता
  • या प्रकारच्या FD मधून मिळणारे व्याज करपात्र असते आणि ते स्रोतातून कापले जाईल
  • कर बचत ठेव खाते वैयक्तिक तसेच संयुक्तपणे उघडले जाऊ शकते.
  • संयुक्त खात्याच्या बाबतीत, संयुक्त खात्याच्या पहिल्या धारकास कर लाभ मिळेल

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ELSS वि FD - तुलना

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

शीर्ष ELSS म्युच्युअल फंड FY 22 - 23

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
Motilal Oswal Long Term Equity Fund Growth ₹55.1015
↑ 0.47
₹4,8622.811.67.22116-9.1
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹4859.715.116.920.810
JM Tax Gain Fund Growth ₹52.551
↑ 0.70
₹23211.39.511.616.814.72.5
Baroda Pioneer ELSS 96 Growth ₹68.6676
↑ 0.33
₹210-6.1-3.517.616.711.6
BNP Paribas Long Term Equity Fund (ELSS) Growth ₹102.319
↑ 1.61
₹8976.54.49.516.512.34.8
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

CommentaryMotilal Oswal Long Term Equity FundIDBI Equity Advantage FundJM Tax Gain FundBaroda Pioneer ELSS 96BNP Paribas Long Term Equity Fund (ELSS)
Point 1Highest 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 2Established history (11+ yrs).Established history (12+ yrs).Established history (18+ yrs).Established history (11+ yrs).Oldest track record among peers (20 yrs).
Point 3Not Rated.Top rated.Rating: 3★ (upper mid).Not Rated.Rating: 3★ (lower mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y 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 63Y 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 71Y 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 8Alpha: 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 9Sharpe: 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 10Information 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

  • Highest AUM (₹4,862 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 16.03% (top quartile).
  • 3Y return: 21.03% (top quartile).
  • 1Y return: 7.20% (bottom quartile).
  • Alpha: 6.27 (top quartile).
  • Sharpe: 0.02 (lower mid).
  • Information ratio: 0.76 (top quartile).

IDBI Equity Advantage Fund

  • Lower mid AUM (₹485 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (upper mid).
  • 1Y return: 16.92% (upper mid).
  • Alpha: 1.78 (bottom quartile).
  • Sharpe: 1.21 (upper mid).
  • Information ratio: -1.13 (bottom quartile).

JM Tax Gain Fund

  • Bottom quartile AUM (₹232 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.67% (upper mid).
  • 3Y return: 16.82% (lower mid).
  • 1Y return: 11.63% (lower mid).
  • Alpha: 4.31 (lower mid).
  • Sharpe: -0.11 (bottom quartile).
  • Information ratio: 0.50 (lower mid).

Baroda Pioneer ELSS 96

  • Bottom quartile AUM (₹210 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 11.62% (bottom quartile).
  • 3Y return: 16.70% (bottom quartile).
  • 1Y return: 17.56% (top quartile).
  • Alpha: 5.69 (upper mid).
  • Sharpe: 2.51 (top quartile).
  • Information ratio: -0.09 (bottom quartile).

BNP Paribas Long Term Equity Fund (ELSS)

  • Upper mid AUM (₹897 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 12.33% (lower mid).
  • 3Y return: 16.55% (bottom quartile).
  • 1Y return: 9.55% (bottom quartile).
  • Alpha: 2.78 (bottom quartile).
  • Sharpe: -0.15 (bottom quartile).
  • Information ratio: 0.58 (upper mid).

*खाली 100 - 15000 कोटी दरम्यान AUM असलेल्या आणि 3 वर्षांपेक्षा जास्त वय असलेल्या फंडांची यादी आहे. 3 वर्षांच्या कामगिरीवर आधारित.

1. Motilal Oswal Long Term Equity Fund

(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.

Research Highlights for Motilal Oswal Long Term Equity Fund

  • Highest AUM (₹4,862 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 16.03% (top quartile).
  • 3Y return: 21.03% (top quartile).
  • 1Y return: 7.20% (bottom quartile).
  • Alpha: 6.27 (top quartile).
  • Sharpe: 0.02 (lower mid).
  • Information ratio: 0.76 (top quartile).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Multi Commodity Exchange of India Ltd (~5.7%).

Below is the key information for 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 Not Rated
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.

DateValue
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

Motilal Oswal Long Term Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for Motilal Oswal Long Term 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 3 Aug 26

DurationReturns
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
YearReturns
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
NameSinceTenure
Varun Sharma3 Jul 260.08 Yr.
Ajay Khandelwal11 Dec 232.64 Yr.
Ankit Agarwal16 Mar 260.38 Yr.
Rakesh Shetty22 Nov 223.69 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 30 Jun 26

Equity Sector Allocation
SectorValue
Industrials26.3%
Financial Services24.52%
Consumer Cyclical16.25%
Basic Materials14.86%
Technology13.21%
Health Care4.14%
Asset Allocation
Asset ClassValue
Cash0.73%
Equity99.27%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
6%₹275 Cr968,520
↓ -172,342
Ather Energy Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | ATHERENERG
5%₹227 Cr1,990,789
Zen Technologies Ltd (Industrials)
Equity, Since 31 Dec 24 | ZENTEC
4%₹215 Cr1,214,938
↓ -3,590
Apar Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | APARINDS
4%₹205 Cr130,439
↓ -3,561
OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE
4%₹201 Cr1,221,228
PTC Industries Ltd (Industrials)
Equity, Since 30 Sep 24 | 539006
4%₹198 Cr115,181
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials)
Equity, Since 28 Feb 23 | FLUOROCHEM
4%₹195 Cr493,050
↑ 31,259
Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON
4%₹191 Cr32,483,092
Shriram Finance Ltd (Financial Services)
Equity, Since 31 Dec 25 | SHRIRAMFIN
4%₹180 Cr1,725,541
Billionbrains Garage Ventures Ltd (Financial Services)
Equity, Since 30 Nov 25 | GROWW
4%₹177 Cr8,751,187

2. IDBI Equity Advantage Fund

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

  • Lower mid AUM (₹485 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (upper mid).
  • 1Y return: 16.92% (upper mid).
  • Alpha: 1.78 (bottom quartile).
  • Sharpe: 1.21 (upper mid).
  • Information ratio: -1.13 (bottom quartile).

Below is the key information for 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.

DateValue

IDBI Equity Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for IDBI Equity 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

DurationReturns
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
YearReturns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Fund Manager information for IDBI Equity Advantage Fund
NameSinceTenure

Data below for IDBI Equity Advantage Fund as on 30 Jun 23

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. JM Tax Gain Fund

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

  • Bottom quartile AUM (₹232 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.67% (upper mid).
  • 3Y return: 16.82% (lower mid).
  • 1Y return: 11.63% (lower mid).
  • Alpha: 4.31 (lower mid).
  • Sharpe: -0.11 (bottom quartile).
  • Information ratio: 0.50 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • Largest holding Syrma SGS Technology Ltd (~3.6%).

Below is the key information for 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.

DateValue
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

JM Tax Gain Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710
Invest Now

Returns for JM Tax Gain 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

DurationReturns
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
YearReturns
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
NameSinceTenure
Satish Ramanathan1 Oct 241.83 Yr.
Asit Bhandarkar31 Dec 214.59 Yr.
Ruchi Fozdar4 Oct 241.82 Yr.
Deepak Gupta11 Apr 251.31 Yr.

Data below for JM Tax Gain Fund as on 30 Jun 26

Equity Sector Allocation
SectorValue
Financial Services27.85%
Consumer Cyclical18.77%
Technology10.84%
Industrials10%
Basic Materials7.92%
Health Care7.91%
Real Estate3.85%
Consumer Defensive3.54%
Energy2.97%
Communication Services2.63%
Utility1.19%
Asset Allocation
Asset ClassValue
Cash2.53%
Equity97.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Syrma SGS Technology Ltd (Technology)
Equity, Since 31 May 25 | SYRMA
4%₹8 Cr59,457
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK
3%₹8 Cr98,262
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 25 | RELIANCE
3%₹7 Cr53,400
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK
3%₹7 Cr48,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL
3%₹6 Cr32,950
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | 590003
3%₹6 Cr199,000
Polycab India Ltd (Industrials)
Equity, Since 31 Jul 25 | POLYCAB
3%₹6 Cr5,900
Wework India Management Ltd (Real Estate)
Equity, Since 31 Oct 25 | WEWORK
2%₹6 Cr83,621
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
2%₹6 Cr13,672
↓ -1,275
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Apr 25 | MAXHEALTH
2%₹6 Cr49,900

4. Baroda Pioneer ELSS 96

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

  • Bottom quartile AUM (₹210 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 11.62% (bottom quartile).
  • 3Y return: 16.70% (bottom quartile).
  • 1Y return: 17.56% (top quartile).
  • Alpha: 5.69 (upper mid).
  • Sharpe: 2.51 (top quartile).
  • Information ratio: -0.09 (bottom quartile).

Below is the key information for 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 Not Rated
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.

DateValue

Baroda Pioneer ELSS 96 SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for Baroda Pioneer ELSS 96

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

DurationReturns
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
YearReturns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Fund Manager information for Baroda Pioneer ELSS 96
NameSinceTenure

Data below for Baroda Pioneer ELSS 96 as on 31 Jan 22

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. BNP Paribas Long Term Equity Fund (ELSS)

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)

  • Upper mid AUM (₹897 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 12.33% (lower mid).
  • 3Y return: 16.55% (bottom quartile).
  • 1Y return: 9.55% (bottom quartile).
  • Alpha: 2.78 (bottom quartile).
  • Sharpe: -0.15 (bottom quartile).
  • Information ratio: 0.58 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~4.0%).

Below is the key information for 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.

DateValue
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

BNP Paribas Long Term Equity Fund (ELSS) SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for BNP Paribas Long Term Equity Fund (ELSS)

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

DurationReturns
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
YearReturns
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)
NameSinceTenure
Silky Jain1 Jul 260.08 Yr.
Yash Mehta1 May 260.25 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 30 Jun 26

Equity Sector Allocation
SectorValue
Financial Services29.83%
Consumer Cyclical15.89%
Industrials14.15%
Basic Materials9.41%
Technology6.81%
Health Care6.63%
Energy5.11%
Consumer Defensive4.03%
Utility3.08%
Communication Services2.48%
Asset Allocation
Asset ClassValue
Cash2.55%
Equity97.42%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
4%₹36 Cr450,000
↓ -100,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK
4%₹34 Cr250,000
State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN
4%₹34 Cr330,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE
3%₹31 Cr240,000
↓ -41,800
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 20 | LT
3%₹29 Cr70,000
↑ 5,000
Titan Co Ltd (Consumer Cyclical)
Equity, Since 31 May 25 | TITAN
3%₹24 Cr55,000
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Nov 24 | 500103
3%₹24 Cr580,000
↓ -121,626
Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Jul 24 | NAVINFLUOR
3%₹24 Cr31,031
↓ -654
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 Jan 25 | RADICO
3%₹23 Cr59,011
↓ -989
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA
3%₹23 Cr6,500
↓ -2,266

तुम्ही ELSS किंवा टॅक्स सेव्हिंग FD मध्ये गुंतवणूक करावी का?

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.

ईएलएसएसमध्ये ऑनलाइन गुंतवणूक कशी करावी?

  1. Fincash.com वर आजीवन मोफत गुंतवणूक खाते उघडा.

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  3. दस्तऐवज अपलोड करा (PAN, आधार इ.).आणि, तुम्ही गुंतवणूक करण्यास तयार आहात!

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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.
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