2022 साठी भारतातील 5 सर्वोत्तम ELSS म्युच्युअल फंड गुंतवणूक

Updated on October 9, 2025 , 62186 views

सर्वोत्तम elss फंड किंवा इक्विटी लिंक्ड बचत योजना इक्विटी वैविध्यपूर्ण आहेतम्युच्युअल फंड जे प्रदान करण्यासाठी इक्विटी-लिंक्ड साधनांमध्ये (जसे की शेअर्स आणि स्टॉक) गुंतवणूक करतातबाजार- लिंक्ड रिटर्न. सामान्यतः, फंड कॉर्पसपैकी 80% इक्विटीमध्ये आणि उर्वरित कर्ज साधनांमध्ये गुंतवले जाते. सर्वोत्तमELSS फंडांना टॅक्स सेव्हिंग म्युच्युअल फंड म्हणूनही ओळखले जाते कारण ते अंतर्गत कर लाभ देतातकलम 80C याआयकर कायदा करा आणि गुंतवणुकीवर 3 वर्षांचा लॉक-इन करा.

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टॉप 5 सर्वोत्तम कामगिरी करणारे ELSS म्युच्युअल फंड 2022 - 2023

*निधीवर आधारित यादीमालमत्ता >= 100 कोटी & क्रमवारी लावली3 वर्षCAGR परत.

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

Lower mid AUM (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.48% (top quartile).
3Y return: 25.95% (top quartile).
1Y return: -4.79% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (upper mid).
Information ratio: 0.80 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Eternal Ltd (~6.7%).

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 (10 Oct 25)	₹52.5342 ↑ 0.08 (0.16 %)
Net Assets (Cr)	₹4,223 on 31 Aug 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.26
Information Ratio	0.8
Alpha Ratio	7.18
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

Motilal Oswal Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 10 Oct 25

Duration	Returns
1 Month	1.3%
3 Month	-1%
6 Month	24.3%
1 Year	-4.8%
3 Year	26%
5 Year	25.5%
10 Year
15 Year
Since launch	16.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Ajay Khandelwal	11 Dec 23	1.73 Yr.
Rakesh Shetty	22 Nov 22	2.78 Yr.
Atul Mehra	1 Oct 24	0.92 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	31.75%
Financial Services	18.72%
Consumer Cyclical	18.07%
Technology	13.51%
Basic Materials	5.57%
Real Estate	4.35%
Health Care	3.36%
Communication Services	1.59%
Consumer Defensive	1.34%

Asset Allocation

Asset Class	Value
Cash	1.75%
Equity	98.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	7%	₹282 Cr	8,970,581
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	5%	₹192 Cr	259,208 ↑ 10,770
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	4%	₹184 Cr	1,176,224 ↓ -55,632
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Jun 23 \| KAYNES	4%	₹177 Cr	289,593
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	4%	₹176 Cr	516,106 ↑ 29,061
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹175 Cr	240,350
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| 543396	4%	₹152 Cr	1,256,967 ↑ 285,421
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Dec 23 \| BDL	3%	₹147 Cr	1,022,957 ↓ -33,358
Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials) Equity, Since 28 Feb 23 \| FLUOROCHEM	3%	₹147 Cr	430,073
Piramal Enterprises Ltd (Financial Services) Equity, Since 31 Jul 24 \| PEL	3%	₹143 Cr	1,279,233 ↑ 110,849

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 (₹29,937 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.75% (lower mid).
3Y return: 24.62% (upper mid).
1Y return: -1.26% (lower mid).
Alpha: -2.40 (bottom quartile).
Sharpe: -0.83 (bottom quartile).
Information ratio: 2.12 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~9.1%).

Below is the key information for SBI Magnum Tax Gain Fund

SBI Magnum Tax Gain Fund Growth
Launch Date	7 May 07
NAV (10 Oct 25)	₹439.113 ↑ 2.00 (0.46 %)
Net Assets (Cr)	₹29,937 on 31 Aug 25
Category	Equity - ELSS
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	-0.83
Information Ratio	2.12
Alpha Ratio	-2.4
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

SBI Magnum Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 10 Oct 25

Duration	Returns
1 Month	0.6%
3 Month	-1.1%
6 Month	13%
1 Year	-1.3%
3 Year	24.6%
5 Year	24.7%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.7%
2023	40%
2022	6.9%
2021	31%
2020	18.9%
2019	4%
2018	-8.3%
2017	33%
2016	2.1%
2015	3.2%

Fund Manager information for SBI Magnum Tax Gain Fund

Name	Since	Tenure
Dinesh Balachandran	10 Sep 16	8.98 Yr.

Data below for SBI Magnum Tax Gain Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	28.34%
Basic Materials	10.65%
Consumer Cyclical	10.07%
Energy	8.8%
Technology	8.02%
Industrials	7.77%
Health Care	7.71%
Consumer Defensive	4.51%
Utility	4.28%
Communication Services	2.99%
Real Estate	1.05%

Asset Allocation

Asset Class	Value
Cash	5.81%
Equity	94.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 07 \| HDFCBANK	9%	₹2,720 Cr	28,586,506
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 06 \| RELIANCE	5%	₹1,530 Cr	11,275,148
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| ICICIBANK	3%	₹1,037 Cr	7,416,237
Cipla Ltd (Healthcare) Equity, Since 31 Jul 18 \| CIPLA	3%	₹969 Cr	6,098,542
Tata Steel Ltd (Basic Materials) Equity, Since 31 Oct 21 \| TATASTEEL	3%	₹958 Cr	62,000,000
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	3%	₹877 Cr	21,414,825
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| M&M	3%	₹805 Cr	2,515,083
State Bank of India (Financial Services) Equity, Since 31 May 06 \| SBIN	3%	₹749 Cr	9,335,639
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	2%	₹716 Cr	3,650,000
Torrent Power Ltd (Utilities) Equity, Since 31 Jul 19 \| TORNTPOWER	2%	₹689 Cr	5,610,813

3. HDFC Tax Saver Fund

The fund plans to provide long term growth of capital.

Research Highlights for HDFC Tax Saver Fund

Upper mid AUM (₹16,525 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.18% (upper mid).
3Y return: 22.49% (lower mid).
1Y return: 4.41% (upper mid).
Alpha: 3.05 (upper mid).
Sharpe: -0.35 (lower mid).
Information ratio: 1.80 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~9.6%).

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (10 Oct 25)	₹1,442.84 ↑ 8.87 (0.62 %)
Net Assets (Cr)	₹16,525 on 31 Aug 25
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.35
Information Ratio	1.8
Alpha Ratio	3.05
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

HDFC Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 10 Oct 25

Duration	Returns
1 Month	1.4%
3 Month	1.7%
6 Month	14.6%
1 Year	4.4%
3 Year	22.5%
5 Year	25.2%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-6.2%

Fund Manager information for HDFC Tax Saver Fund

Name	Since	Tenure
Roshi Jain	13 Jan 22	3.64 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Tax Saver Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	41.13%
Consumer Cyclical	17.51%
Health Care	10.02%
Basic Materials	5.76%
Industrials	5.72%
Technology	5.18%
Communication Services	4.51%
Utility	1.67%
Energy	1.15%
Consumer Defensive	0.79%

Asset Allocation

Asset Class	Value
Cash	6.25%
Equity	93.44%
Debt	0.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	10%	₹1,580 Cr	16,600,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,538 Cr	11,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	8%	₹1,254 Cr	12,000,000
Cipla Ltd (Healthcare) Equity, Since 31 Oct 09 \| CIPLA	5%	₹858 Cr	5,400,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	5%	₹814 Cr	550,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	5%	₹812 Cr	4,500,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	4%	₹686 Cr	3,500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	4%	₹642 Cr	3,400,000
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	3%	₹562 Cr	7,000,000
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	3%	₹492 Cr	2,000,000

4. 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 (₹210 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.76% (bottom quartile).
3Y return: 20.99% (bottom quartile).
1Y return: -3.26% (bottom quartile).
Alpha: -3.68 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.80 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~4.5%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (10 Oct 25)	₹49.68 ↑ 0.26 (0.52 %)
Net Assets (Cr)	₹210 on 31 Aug 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.86
Information Ratio	0.8
Alpha Ratio	-3.68
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

JM Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 10 Oct 25

Duration	Returns
1 Month	1.4%
3 Month	2%
6 Month	17%
1 Year	-3.3%
3 Year	21%
5 Year	22.8%
10 Year
15 Year
Since launch	9.6%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-0.6%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	0.92 Yr.
Asit Bhandarkar	31 Dec 21	3.67 Yr.
Ruchi Fozdar	4 Oct 24	0.91 Yr.
Deepak Gupta	11 Apr 25	0.39 Yr.

Data below for JM Tax Gain Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	27.82%
Consumer Cyclical	14.26%
Technology	13.8%
Industrials	11.84%
Basic Materials	10.96%
Health Care	7.23%
Consumer Defensive	4.02%
Energy	3.46%
Communication Services	2.77%
Real Estate	1.52%
Utility	0.91%

Asset Allocation

Asset Class	Value
Cash	1.41%
Equity	98.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹9 Cr	98,262
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	4%	₹8 Cr	56,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	4%	₹7 Cr	20,647 ↓ -8,300
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹7 Cr	55,500
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	84,750 ↑ 7,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹6 Cr	41,601
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	30,700
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 501423	3%	₹6 Cr	25,500
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 31 Mar 25 \| GODFRYPHLP	3%	₹5 Cr	4,945

5. 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

Bottom quartile AUM (₹485 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (bottom quartile).
1Y return: 16.92% (top quartile).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (top quartile).
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.

Date	Value

IDBI Equity Advantage Fund SIP 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 10 Oct 25

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
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

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

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.