2022 मध्ये गुंतवणूक करण्यासाठी 6 सर्वोत्तम कर बचत SIP योजना

Updated on May 10, 2026 , 38571 views

इक्विटी लिंक्ड बचत योजना किंवाELSS भारतीय गुंतवणूकदारांमध्ये सर्वोत्तम कर बचत पर्याय म्हणून प्रचंड लोकप्रियता मिळवत आहे. यात चांगला परतावा देण्याची क्षमता आहे आणि त्यात सर्वात कमी लॉक-इन कालावधी देखील आहे. ELSS हा एक इक्विटी डायव्हर्सिफाइड फंड आहे, ज्यामध्ये फंड कॉर्पसचा बहुतांश भाग एकतर यामध्ये गुंतवला जातोइक्विटी फंड किंवा इक्विटी-संबंधित उत्पादने. गुंतवणूकदार INR 1,50 पर्यंत कर कपात करू शकतात,000 अंतर्गतकलम 80C च्याआयकर त्यांच्या करपात्रातून कार्य कराउत्पन्न. हे फंड दुहेरी फायदे देतात- कर बचत आणि संपत्ती निर्मिती, गुंतवणूकदार ELSS मध्ये गुंतवणूक करू शकतात आणि त्यांच्या गुंतवणुकीचा जास्तीत जास्त फायदा घेऊ शकतात. त्यामुळे, प्रक्रिया करण्यासाठीगुंतवणूक सोपे, आम्ही सर्वोत्तम कर बचतीची निवड केली आहेSIP गुंतवणूकदारांना सर्वोत्तम परतावा देणार्‍या योजना.

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इक्विटी लिंक्ड सेव्हिंग स्कीम (ELSS) आर्थिक वर्ष 22 - 23 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम कामगिरी करणारे SIP फंड

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Motilal Oswal Long Term Equity Fund Growth	₹53.4748 ↓ -1.50	₹3,969	500	5.8	1.7	12.6	23.5	19.4	-9.1
SBI Magnum Tax Gain Fund Growth	₹420.102 ↓ -7.54	₹28,441	500	-6.8	-6.1	-1	19.3	17.5	6.6
BNP Paribas Long Term Equity Fund (ELSS) Growth	₹94.4987 ↓ -2.04	₹809	500	-4.9	-4.6	3.1	16.6	13.1	4.8
DSP Tax Saver Fund Growth	₹133.228 ↓ -2.25	₹15,044	500	-8.5	-7.1	-2.9	16.3	14.3	7.5
HDFC Tax Saver Fund Growth	₹1,311.53 ↓ -21.54	₹14,615	500	-9.7	-9.7	-5	16.3	17.3	10.3
Nippon India Tax Saver Fund (ELSS) Growth	₹126.084 ↓ -2.77	₹13,422	500	-4.6	-4.5	1.6	15.9	14.6	6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 May 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	SBI Magnum Tax Gain Fund	BNP Paribas Long Term Equity Fund (ELSS)	DSP Tax Saver Fund	HDFC Tax Saver Fund	Nippon India Tax Saver Fund (ELSS)
Point 1	Bottom quartile AUM (₹3,969 Cr).	Highest AUM (₹28,441 Cr).	Bottom quartile AUM (₹809 Cr).	Upper mid AUM (₹15,044 Cr).	Upper mid AUM (₹14,615 Cr).	Lower mid AUM (₹13,422 Cr).
Point 2	Established history (11+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Established history (19+ yrs).	Oldest track record among peers (30 yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).
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: 19.45% (top quartile).	5Y return: 17.51% (upper mid).	5Y return: 13.08% (bottom quartile).	5Y return: 14.35% (bottom quartile).	5Y return: 17.31% (upper mid).	5Y return: 14.65% (lower mid).
Point 6	3Y return: 23.55% (top quartile).	3Y return: 19.28% (upper mid).	3Y return: 16.60% (upper mid).	3Y return: 16.32% (lower mid).	3Y return: 16.30% (bottom quartile).	3Y return: 15.87% (bottom quartile).
Point 7	1Y return: 12.58% (top quartile).	1Y return: -0.99% (lower mid).	1Y return: 3.07% (upper mid).	1Y return: -2.85% (bottom quartile).	1Y return: -5.04% (bottom quartile).	1Y return: 1.57% (upper mid).
Point 8	Alpha: 1.62 (top quartile).	Alpha: -1.33 (lower mid).	Alpha: 1.05 (upper mid).	Alpha: -2.15 (bottom quartile).	Alpha: -1.80 (bottom quartile).	Alpha: 0.39 (upper mid).
Point 9	Sharpe: -0.25 (top quartile).	Sharpe: -0.59 (lower mid).	Sharpe: -0.40 (upper mid).	Sharpe: -0.62 (bottom quartile).	Sharpe: -0.60 (bottom quartile).	Sharpe: -0.45 (upper mid).
Point 10	Information ratio: 0.55 (bottom quartile).	Information ratio: 1.57 (top quartile).	Information ratio: 0.57 (lower mid).	Information ratio: 0.75 (upper mid).	Information ratio: 0.86 (upper mid).	Information ratio: 0.55 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Bottom quartile AUM (₹3,969 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.45% (top quartile).
3Y return: 23.55% (top quartile).
1Y return: 12.58% (top quartile).
Alpha: 1.62 (top quartile).
Sharpe: -0.25 (top quartile).
Information ratio: 0.55 (bottom quartile).

SBI Magnum Tax Gain Fund

Highest AUM (₹28,441 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.51% (upper mid).
3Y return: 19.28% (upper mid).
1Y return: -0.99% (lower mid).
Alpha: -1.33 (lower mid).
Sharpe: -0.59 (lower mid).
Information ratio: 1.57 (top quartile).

BNP Paribas Long Term Equity Fund (ELSS)

Bottom quartile AUM (₹809 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.08% (bottom quartile).
3Y return: 16.60% (upper mid).
1Y return: 3.07% (upper mid).
Alpha: 1.05 (upper mid).
Sharpe: -0.40 (upper mid).
Information ratio: 0.57 (lower mid).

DSP Tax Saver Fund

Upper mid AUM (₹15,044 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.35% (bottom quartile).
3Y return: 16.32% (lower mid).
1Y return: -2.85% (bottom quartile).
Alpha: -2.15 (bottom quartile).
Sharpe: -0.62 (bottom quartile).
Information ratio: 0.75 (upper mid).

HDFC Tax Saver Fund

Upper mid AUM (₹14,615 Cr).
Oldest track record among peers (30 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.31% (upper mid).
3Y return: 16.30% (bottom quartile).
1Y return: -5.04% (bottom quartile).
Alpha: -1.80 (bottom quartile).
Sharpe: -0.60 (bottom quartile).
Information ratio: 0.86 (upper mid).

Nippon India Tax Saver Fund (ELSS)

Lower mid AUM (₹13,422 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.65% (lower mid).
3Y return: 15.87% (bottom quartile).
1Y return: 1.57% (upper mid).
Alpha: 0.39 (upper mid).
Sharpe: -0.45 (upper mid).
Information ratio: 0.55 (bottom quartile).

*वरील सर्वोत्कृष्टांची यादी आहेELSS SIP वरील एयूएम/निव्वळ मालमत्ता असलेले निधी500 कोटी. वर क्रमवारी लावलीमागील 3 वर्षाचा परतावा.

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

Bottom quartile AUM (₹3,969 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.45% (top quartile).
3Y return: 23.55% (top quartile).
1Y return: 12.58% (top quartile).
Alpha: 1.62 (top quartile).
Sharpe: -0.25 (top quartile).
Information ratio: 0.55 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Multi Commodity Exchange of India Ltd (~7.8%).

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 (12 May 26)	₹53.4748 ↓ -1.50 (-2.73 %)
Net Assets (Cr)	₹3,969 on 31 Mar 26
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.25
Information Ratio	0.55
Alpha Ratio	1.62
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,377
30 Apr 23	₹12,465
30 Apr 24	₹19,931
30 Apr 25	₹21,029
30 Apr 26	₹24,290

Motilal Oswal Long Term 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 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 12 May 26

Duration	Returns
1 Month	4.9%
3 Month	5.8%
6 Month	1.7%
1 Year	12.6%
3 Year	23.5%
5 Year	19.4%
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
Ajay Khandelwal	11 Dec 23	2.39 Yr.
Ankit Agarwal	16 Mar 26	0.12 Yr.
Rakesh Shetty	22 Nov 22	3.44 Yr.
Atul Mehra	1 Oct 24	1.58 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	28.67%
Industrials	26.59%
Consumer Cyclical	12.9%
Basic Materials	11.92%
Technology	11.78%
Health Care	4.53%
Real Estate	2.9%

Asset Allocation

Asset Class	Value
Cash	0.71%
Equity	99.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	8%	₹310 Cr	1,296,040
Piramal Finance Ltd (Financial Services) Equity, Since 30 Sep 25 \| PIRAMALFIN	6%	₹238 Cr	1,298,583 ↓ -220,000
Jain Resource Recycling Ltd (Basic Materials) Equity, Since 31 Oct 25 \| JAINREC	6%	₹229 Cr	5,011,074 ↑ 268,009
Apar Industries Ltd (Industrials) Equity, Since 31 Dec 23 \| APARINDS	5%	₹213 Cr	215,645 ↑ 31,279
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	5%	₹195 Cr	627,718 ↑ 43,739
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	5%	₹181 Cr	276,357 ↑ 17,351
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	5%	₹180 Cr	1,221,228 ↑ 295,191
Billionbrains Garage Ventures Ltd (Financial Services) Equity, Since 30 Nov 25 \| GROWW	4%	₹176 Cr	11,710,407 ↑ 768,996
Ather Energy Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| ATHERENERG	4%	₹174 Cr	2,301,469 ↑ 170,179
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Jun 25 \| 533398	4%	₹173 Cr	546,874

2. SBI Magnum Tax Gain Fund

To deliver the benefit of investment in a portfolio of equity shares, while offering deduction on such investment made in the scheme under section 80C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to avail Section 80C benefits.

Research Highlights for SBI Magnum Tax Gain Fund

Highest AUM (₹28,441 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.51% (upper mid).
3Y return: 19.28% (upper mid).
1Y return: -0.99% (lower mid).
Alpha: -1.33 (lower mid).
Sharpe: -0.59 (lower mid).
Information ratio: 1.57 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~8.9%).

Below is the key information for SBI Magnum Tax Gain Fund

SBI Magnum Tax Gain Fund Growth
Launch Date	7 May 07
NAV (12 May 26)	₹420.102 ↓ -7.54 (-1.76 %)
Net Assets (Cr)	₹28,441 on 31 Mar 26
Category	Equity - ELSS
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	-0.6
Information Ratio	1.57
Alpha Ratio	-1.33
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,912
30 Apr 23	₹13,286
30 Apr 24	₹21,339
30 Apr 25	₹22,861
30 Apr 26	₹23,364

SBI Magnum Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for SBI Magnum 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 12 May 26

Duration	Returns
1 Month	-0.6%
3 Month	-6.8%
6 Month	-6.1%
1 Year	-1%
3 Year	19.3%
5 Year	17.5%
10 Year
15 Year
Since launch	11.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	27.7%
2023	40%
2022	6.9%
2021	31%
2020	18.9%
2019	4%
2018	-8.3%
2017	33%
2016	2.1%

Fund Manager information for SBI Magnum Tax Gain Fund

Name	Since	Tenure
Milind Agrawal	1 Jan 26	0.33 Yr.

Data below for SBI Magnum Tax Gain Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	35.07%
Industrials	11.2%
Basic Materials	10.57%
Consumer Cyclical	8.48%
Energy	7.84%
Health Care	6.64%
Technology	5.85%
Utility	4.95%
Communication Services	3.08%
Consumer Defensive	1.38%
Real Estate	0.98%

Asset Allocation

Asset Class	Value
Cash	3.83%
Equity	96.04%
Debt	0.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| ICICIBANK	9%	₹2,782 Cr	22,017,451
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 06 \| RELIANCE	5%	₹1,613 Cr	11,275,148
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	5%	₹1,524 Cr	39,750,000
Tata Steel Ltd (Basic Materials) Equity, Since 31 Oct 21 \| TATASTEEL	4%	₹1,296 Cr	61,312,247
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 11 \| 532215	4%	₹1,265 Cr	9,973,332
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 07 \| HDFCBANK	4%	₹1,241 Cr	16,086,506
State Bank of India (Financial Services) Equity, Since 31 May 06 \| SBIN	4%	₹1,190 Cr	11,138,360
Torrent Power Ltd (Utilities) Equity, Since 31 Jul 19 \| 532779	3%	₹974 Cr	5,610,813
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 26 \| LT	3%	₹910 Cr	2,268,231 ↑ 1,268,231
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Jun 24 \| TCS	2%	₹705 Cr	2,849,100 ↑ 1,000,000

3. 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)

Bottom quartile AUM (₹809 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.08% (bottom quartile).
3Y return: 16.60% (upper mid).
1Y return: 3.07% (upper mid).
Alpha: 1.05 (upper mid).
Sharpe: -0.40 (upper mid).
Information ratio: 0.57 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~5.7%).

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 (12 May 26)	₹94.4987 ↓ -2.04 (-2.11 %)
Net Assets (Cr)	₹809 on 31 Mar 26
Category	Equity - ELSS
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.21
Sharpe Ratio	-0.4
Information Ratio	0.57
Alpha Ratio	1.05
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,153
30 Apr 23	₹11,485
30 Apr 24	₹16,682
30 Apr 25	₹17,772
30 Apr 26	₹18,903

BNP Paribas Long Term Equity Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for 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 12 May 26

Duration	Returns
1 Month	-0.2%
3 Month	-4.9%
6 Month	-4.6%
1 Year	3.1%
3 Year	16.6%
5 Year	13.1%
10 Year
15 Year
Since launch	11.7%

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
Sanjay Chawla	14 Mar 22	4.13 Yr.
Pratish Krishnan	14 Mar 22	4.13 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	30.18%
Consumer Cyclical	14.98%
Industrials	13.06%
Technology	9.45%
Basic Materials	8.65%
Health Care	5.51%
Energy	4.55%
Consumer Defensive	4.26%
Communication Services	3.08%
Utility	1.42%

Asset Allocation

Asset Class	Value
Cash	4.84%
Equity	95.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	6%	₹51 Cr	656,320
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	5%	₹42 Cr	329,900
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	5%	₹40 Cr	281,800
State Bank of India (Financial Services) Equity, Since 31 Mar 22 \| SBIN	3%	₹30 Cr	278,000
Hitachi Energy India Ltd Ordinary Shares (Industrials) Equity, Since 31 Aug 23 \| POWERINDIA	3%	₹29 Cr	8,766
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Nov 24 \| 500103	3%	₹29 Cr	821,380
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 19 \| BHARTIARTL	3%	₹27 Cr	144,966
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 20 \| LT	3%	₹24 Cr	60,000
Cummins India Ltd (Industrials) Equity, Since 28 Feb 25 \| 500480	3%	₹24 Cr	45,502
Hindalco Industries Ltd (Basic Materials) Equity, Since 28 Feb 25 \| HINDALCO	3%	₹23 Cr	220,000

4. DSP Tax Saver Fund

The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors to avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time.

Research Highlights for DSP Tax Saver Fund

Upper mid AUM (₹15,044 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.35% (bottom quartile).
3Y return: 16.32% (lower mid).
1Y return: -2.85% (bottom quartile).
Alpha: -2.15 (bottom quartile).
Sharpe: -0.62 (bottom quartile).
Information ratio: 0.75 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~8.6%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (12 May 26)	₹133.228 ↓ -2.25 (-1.66 %)
Net Assets (Cr)	₹15,044 on 31 Mar 26
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	-0.62
Information Ratio	0.75
Alpha Ratio	-2.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,917
30 Apr 23	₹12,438
30 Apr 24	₹17,906
30 Apr 25	₹20,265
30 Apr 26	₹20,389

DSP Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for DSP Tax Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 26

Duration	Returns
1 Month	-1.6%
3 Month	-8.5%
6 Month	-7.1%
1 Year	-2.9%
3 Year	16.3%
5 Year	14.3%
10 Year
15 Year
Since launch	14.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
2024	23.9%
2023	30%
2022	4.5%
2021	35.1%
2020	15%
2019	14.8%
2018	-7.6%
2017	36.3%
2016	11.3%

Fund Manager information for DSP Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	10.8 Yr.

Data below for DSP Tax Saver Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	42.34%
Consumer Cyclical	11.36%
Health Care	8.5%
Basic Materials	8.11%
Technology	7.8%
Communication Services	5.23%
Energy	4.58%
Consumer Defensive	3.99%
Utility	3.85%
Industrials	3.55%

Asset Allocation

Asset Class	Value
Cash	0.71%
Equity	99.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	9%	₹1,300 Cr	10,780,454 ↑ 698,227
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	8%	₹1,191 Cr	16,282,358 ↑ 680,323
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	6%	₹954 Cr	8,216,038 ↑ 452,518
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	5%	₹678 Cr	6,924,203 ↑ 363,121
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	4%	₹620 Cr	4,957,761
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	4%	₹532 Cr	2,985,560 ↑ 297,845
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹401 Cr	11,341,925
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	3%	₹379 Cr	1,284,132
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 25 \| TCS	2%	₹349 Cr	1,477,947
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| MOTHERSON	2%	₹343 Cr	32,671,083

5. HDFC Tax Saver Fund

The fund plans to provide long term growth of capital.

Research Highlights for HDFC Tax Saver Fund

Upper mid AUM (₹14,615 Cr).
Oldest track record among peers (30 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.31% (upper mid).
3Y return: 16.30% (bottom quartile).
1Y return: -5.04% (bottom quartile).
Alpha: -1.80 (bottom quartile).
Sharpe: -0.60 (bottom quartile).
Information ratio: 0.86 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.1%).

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (12 May 26)	₹1,311.53 ↓ -21.54 (-1.62 %)
Net Assets (Cr)	₹14,615 on 31 Mar 26
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.6
Information Ratio	0.86
Alpha Ratio	-1.8
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹12,600
30 Apr 23	₹14,123
30 Apr 24	₹20,596
30 Apr 25	₹23,358
30 Apr 26	₹22,859

HDFC Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for HDFC 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 12 May 26

Duration	Returns
1 Month	-3.1%
3 Month	-9.7%
6 Month	-9.7%
1 Year	-5%
3 Year	16.3%
5 Year	17.3%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.3%
2024	21.3%
2023	33.2%
2022	10.5%
2021	35.3%
2020	5.8%
2019	3.7%
2018	-10.9%
2017	38.7%
2016	7.6%

Fund Manager information for HDFC Tax Saver Fund

Name	Since	Tenure
Amar Kalkundrikar	8 Dec 25	0.39 Yr.
Dhruv Muchhal	22 Jun 23	2.86 Yr.

Data below for HDFC Tax Saver Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	42.92%
Consumer Cyclical	16.66%
Technology	7.27%
Health Care	7.15%
Industrials	5.24%
Basic Materials	4.73%
Communication Services	4.62%
Energy	4.42%
Consumer Defensive	3.02%
Utility	2.23%

Asset Allocation

Asset Class	Value
Cash	1.39%
Equity	98.26%
Debt	0.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,326 Cr	11,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	8%	₹1,214 Cr	16,600,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	7%	₹1,029 Cr	8,863,395
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	5%	₹713 Cr	4,011,108 ↓ -488,892
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	5%	₹686 Cr	7,000,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	5%	₹677 Cr	550,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	5%	₹675 Cr	3,788,193 ↑ 388,193
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	4%	₹618 Cr	17,500,000
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹480 Cr	3,575,000 ↑ 225,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 15 \| RELIANCE	3%	₹447 Cr	3,325,000

6. Nippon India Tax Saver Fund (ELSS)

The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. However, there can be no assurance that the scheme’s investment objective shall be achieved.

Research Highlights for Nippon India Tax Saver Fund (ELSS)

Lower mid AUM (₹13,422 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.65% (lower mid).
3Y return: 15.87% (bottom quartile).
1Y return: 1.57% (upper mid).
Alpha: 0.39 (upper mid).
Sharpe: -0.45 (upper mid).
Information ratio: 0.55 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~7.1%).

Below is the key information for Nippon India Tax Saver Fund (ELSS)

Nippon India Tax Saver Fund (ELSS) Growth
Launch Date	21 Sep 05
NAV (12 May 26)	₹126.084 ↓ -2.77 (-2.15 %)
Net Assets (Cr)	₹13,422 on 31 Mar 26
Category	Equity - ELSS
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.45
Information Ratio	0.55
Alpha Ratio	0.39
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹12,091
30 Apr 23	₹12,721
30 Apr 24	₹18,392
30 Apr 25	₹19,443
30 Apr 26	₹20,525

Nippon India Tax Saver Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Nippon India Tax Saver 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 12 May 26

Duration	Returns
1 Month	-0.2%
3 Month	-4.6%
6 Month	-4.5%
1 Year	1.6%
3 Year	15.9%
5 Year	14.6%
10 Year
15 Year
Since launch	13.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6%
2024	17.6%
2023	28.6%
2022	6.9%
2021	37.6%
2020	-0.4%
2019	1.5%
2018	-20.7%
2017	46%
2016	4.2%

Fund Manager information for Nippon India Tax Saver Fund (ELSS)

Name	Since	Tenure
Rupesh Patel	1 Jul 21	4.84 Yr.
Ritesh Rathod	19 Aug 24	1.7 Yr.
Kinjal Desai	25 May 18	7.94 Yr.
Amber Singhania	11 Mar 26	0.14 Yr.

Data below for Nippon India Tax Saver Fund (ELSS) as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	34.58%
Consumer Cyclical	11.81%
Industrials	11.13%
Consumer Defensive	9.96%
Utility	7.89%
Health Care	6.06%
Energy	5.52%
Technology	4.37%
Communication Services	4.34%
Basic Materials	2.6%

Asset Allocation

Asset Class	Value
Cash	1.74%
Equity	98.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| ICICIBANK	7%	₹1,049 Cr	8,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	6%	₹941 Cr	12,200,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| 532215	4%	₹621 Cr	4,900,000
NTPC Ltd (Utilities) Equity, Since 28 Feb 19 \| 532555	4%	₹559 Cr	14,000,000
State Bank of India (Financial Services) Equity, Since 31 Dec 13 \| SBIN	4%	₹524 Cr	4,900,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 20 \| RELIANCE	3%	₹486 Cr	3,400,000 ↓ -250,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| MOTHERSON	3%	₹464 Cr	38,319,861
Infosys Ltd (Technology) Equity, Since 31 Mar 20 \| INFY	3%	₹449 Cr	3,800,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	3%	₹432 Cr	2,290,000
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Nov 22 \| 532810	3%	₹409 Cr	9,111,111

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.