8 ਸਰਬੋਤਮ ELSS ਟੈਕਸ ਬਚਤ ਮਿਉਚੁਅਲ ਫੰਡ 2022

Updated on February 17, 2026 , 65340 views

ਵਿੱਤੀ ਸਾਲ ਦੇ ਅੰਤ ਵਿੱਚ ਆਉਣ ਦੇ ਨਾਲ, ਇਹ ਤੁਹਾਡੀ ਸ਼ੁਰੂਆਤ ਕਰਨ ਦਾ ਸਮਾਂ ਹੈਟੈਕਸ ਯੋਜਨਾਬੰਦੀ. ਭਾਰਤ ਵਿੱਚ ਟੈਕਸ ਬਚਤ ਦੇ ਬਹੁਤ ਸਾਰੇ ਵਿਕਲਪਾਂ ਦੇ ਨਾਲ,ELSS ਸਭ ਤੋਂ ਵਧੀਆ ਹੈ ਕਿਉਂਕਿ ਉਹ ਟੈਕਸ ਬੱਚਤਾਂ ਤੋਂ ਇਲਾਵਾ ਲਾਭ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ।

ELSS ਜਾਂ ਇਕੁਇਟੀ ਲਿੰਕਡ ਸੇਵਿੰਗ ਸਕੀਮਾਂ 3 ਸਾਲਾਂ ਦੀ ਲੌਕ-ਇਨ ਪੀਰੀਅਡ ਨਾਲ ਆਉਂਦੀਆਂ ਹਨ, ਜੋ ਬਾਕੀ ਸਾਰੀਆਂ ਟੈਕਸ ਬੱਚਤਾਂ ਦੇ ਮੁਕਾਬਲੇ ਸਭ ਤੋਂ ਛੋਟੀ ਹੋਲਡਿੰਗ ਹੈ। ਨਾਲਨਿਵੇਸ਼ ELSS ਵਿੱਚ, ਕੋਈ INR 1,50 ਤੱਕ ਕਟੌਤੀਆਂ ਪ੍ਰਾਪਤ ਕਰ ਸਕਦਾ ਹੈ,000 ਉਹਨਾਂ ਦੇ ਟੈਕਸਯੋਗ ਤੋਂਆਮਦਨ ਦੇ ਅਨੁਸਾਰਧਾਰਾ 80C ਦੇਆਮਦਨ ਟੈਕਸ ਐਕਟ. ਜਿਵੇਂ ਕਿ, ELSS ਫੰਡ ਇਕੁਇਟੀ ਅਤੇ ਸਬੰਧਤ ਉਤਪਾਦਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤੇ ਜਾ ਰਹੇ ਫੰਡ ਦੇ ਇੱਕ ਵੱਡੇ ਹਿੱਸੇ ਦੇ ਨਾਲ ਇਕੁਇਟੀ ਵਿਭਿੰਨਤਾ ਵਾਲੇ ਹੁੰਦੇ ਹਨ, ਉਹ ਇਕੁਇਟੀ ਰਿਟਰਨ ਵੀ ਪ੍ਰਦਾਨ ਕਰਦੇ ਹਨ। ਇਸਦਾ ਮਤਲਬ ਹੈ ਕਿ ਨਿਵੇਸ਼ਕ ਆਪਣੇ ਨਿਵੇਸ਼ਾਂ 'ਤੇ ਇਕੁਇਟੀ ਰਿਟਰਨ ਵੀ ਕਮਾ ਸਕਦੇ ਹਨ।

ਇਸ ਤੋਂ ਪਹਿਲਾਂ ਕਿ ਅਸੀਂ ਇਸ ਸਕੀਮ ਦੀਆਂ ਕੁਝ ਹੋਰ ਮਹੱਤਵਪੂਰਨ ਵਿਸ਼ੇਸ਼ਤਾਵਾਂ ਨੂੰ ਵੇਖੀਏ, ਆਓ ਸਭ ਤੋਂ ਵਧੀਆ ELSS ਟੈਕਸ ਬੱਚਤ ਦੀ ਜਾਂਚ ਕਰੀਏਮਿਉਚੁਅਲ ਫੰਡ 2022 - 2023 ਲਈ।

ਟੈਕਸ ਬਚਤ ਲਈ ELSS ਕਿਉਂ ਚੁਣੋ?

ELSS ਦੇ ਹੋਰ ਮੁੱਖ ਫਾਇਦੇ ਹਨ:

ਟੈਕਸ ਮੁਕਤ ਰਿਟਰਨ

ਬਜਟ 2018 ਦੇ ਅਨੁਸਾਰ, ELSS ਲੰਬੇ ਸਮੇਂ ਲਈ ਆਕਰਸ਼ਿਤ ਕਰੇਗਾਪੂੰਜੀ ਲਾਭ (LTCG)। ਲੰਬੇ ਸਮੇਂ ਦੇ ਤਹਿਤ ਨਿਵੇਸ਼ਕਾਂ 'ਤੇ 10% (ਬਿਨਾਂ ਸੂਚਕਾਂਕ ਦੇ) ਟੈਕਸ ਲਗਾਇਆ ਜਾਵੇਗਾਪੂੰਜੀ ਲਾਭ ਟੈਕਸ INR 1 ਲੱਖ ਤੱਕ ਦੇ ਲਾਭ ਟੈਕਸ ਮੁਕਤ ਹਨ। INR 1 ਲੱਖ ਤੋਂ ਵੱਧ ਦੇ ਲਾਭਾਂ 'ਤੇ 10% ਟੈਕਸ ਲਾਗੂ ਹੁੰਦਾ ਹੈ।

ਘੱਟੋ-ਘੱਟ ਨਿਵੇਸ਼ ਦੀ ਰਕਮ

ਲੈ ਕੇ ਏSIP ਰੂਟ, ਨਿਵੇਸ਼ਕ INR 500 ਤੋਂ ਘੱਟ ਰਕਮ ਦਾ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨ। ਇਹ ਕਿਸੇ ਵਿਅਕਤੀ ਨੂੰ ਕਰਨ ਦੀ ਇਜਾਜ਼ਤ ਦਿੰਦਾ ਹੈਪੈਸੇ ਬਚਾਓ ਇੱਕਮੁਸ਼ਤ ਦੀ ਬਜਾਏ ਹਰ ਮਹੀਨੇ।

ਇਕੁਇਟੀ ਰਿਟਰਨ

ਕਿਉਂਕਿ ਇਹ ਮਿਉਚੁਅਲ ਫੰਡ ਇਕੁਇਟੀ-ਸਬੰਧਤ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ, ਤੁਹਾਡੇ ਦੁਆਰਾ ਨਿਵੇਸ਼ ਕੀਤਾ ਪੈਸਾ ਸਟਾਕ ਦੇ ਰੂਪ ਵਿੱਚ ਵਧਦਾ ਹੈਬਜ਼ਾਰ ਵਧਦਾ ਹੈ ਇਸ ਲਈ, ELSS ਫੰਡਾਂ ਵਿੱਚ ਲਾਭ ਵਧੇਰੇ ਹਨ।

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ਵਿੱਤੀ ਸਾਲ 22 - 23 ਵਿੱਚ ਵਧੀਆ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ELSS ਟੈਕਸ ਸੇਵਿੰਗ ਮਿਉਚੁਅਲ ਫੰਡ

Fund	NAV	Net Assets (Cr)	Rating	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	☆☆☆	1.2	15.4	35.5	20.6	17.4
Motilal Oswal Long Term Equity Fund Growth	₹48.7612 ↓ -0.67	₹4,188	Not Rated	-7.9	-4.5	11.9	21.4	16.9	-9.1
Nippon India Tax Saver Fund (ELSS) Growth	₹130.335 ↓ -2.07	₹14,881	☆☆☆	-1.4	0.8	15.3	18	16	6
Bandhan Tax Advantage (ELSS) Fund Growth	₹155.599 ↓ -1.88	₹7,060	☆☆☆☆☆	-1.3	2.4	12.6	15.6	15.8	8
Franklin India Taxshield Growth	₹1,463.74 ↓ -21.59	₹6,440	☆☆	-3.6	-0.6	8.6	18	15.6	2.1
BOI AXA Tax Advantage Fund Growth	₹160.53 ↓ -2.08	₹1,374	☆☆☆	-1.3	1.8	13.2	17.4	15.4	-3.5
JM Tax Gain Fund Growth	₹47.9044 ↓ -0.74	₹216	☆☆☆	-5.4	-0.8	9.9	18.5	15.3	2.5
Kotak Tax Saver Fund Growth	₹116.342 ↓ -1.81	₹6,301	☆☆☆	-1.7	1	12.6	15.6	14.8	1.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Jan 22

Research Highlights & Commentary of 8 Funds showcased

Commentary	HDFC Long Term Advantage Fund	Motilal Oswal Long Term Equity Fund	Nippon India Tax Saver Fund (ELSS)	Bandhan Tax Advantage (ELSS) Fund	Franklin India Taxshield	BOI AXA Tax Advantage Fund	JM Tax Gain Fund	Kotak Tax Saver Fund
Point 1	Bottom quartile AUM (₹1,318 Cr).	Lower mid AUM (₹4,188 Cr).	Highest AUM (₹14,881 Cr).	Top quartile AUM (₹7,060 Cr).	Upper mid AUM (₹6,440 Cr).	Lower mid AUM (₹1,374 Cr).	Bottom quartile AUM (₹216 Cr).	Upper mid AUM (₹6,301 Cr).
Point 2	Established history (25+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (top quartile).	Not Rated.	Rating: 3★ (upper mid).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	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.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 17.39% (top quartile).	5Y return: 16.92% (top quartile).	5Y return: 16.03% (upper mid).	5Y return: 15.84% (upper mid).	5Y return: 15.58% (lower mid).	5Y return: 15.42% (lower mid).	5Y return: 15.28% (bottom quartile).	5Y return: 14.75% (bottom quartile).
Point 6	3Y return: 20.64% (top quartile).	3Y return: 21.40% (top quartile).	3Y return: 17.98% (lower mid).	3Y return: 15.56% (bottom quartile).	3Y return: 18.02% (upper mid).	3Y return: 17.38% (lower mid).	3Y return: 18.53% (upper mid).	3Y return: 15.55% (bottom quartile).
Point 7	1Y return: 35.51% (top quartile).	1Y return: 11.91% (lower mid).	1Y return: 15.27% (top quartile).	1Y return: 12.57% (lower mid).	1Y return: 8.63% (bottom quartile).	1Y return: 13.17% (upper mid).	1Y return: 9.95% (bottom quartile).	1Y return: 12.59% (upper mid).
Point 8	Alpha: 1.75 (top quartile).	Alpha: -5.20 (bottom quartile).	Alpha: 0.95 (top quartile).	Alpha: 0.34 (upper mid).	Alpha: -3.02 (lower mid).	Alpha: -3.63 (lower mid).	Alpha: -4.56 (bottom quartile).	Alpha: -1.89 (upper mid).
Point 9	Sharpe: 2.27 (top quartile).	Sharpe: -0.04 (bottom quartile).	Sharpe: 0.26 (top quartile).	Sharpe: 0.21 (upper mid).	Sharpe: -0.04 (lower mid).	Sharpe: -0.02 (lower mid).	Sharpe: -0.12 (bottom quartile).	Sharpe: 0.07 (upper mid).
Point 10	Information ratio: -0.15 (lower mid).	Information ratio: 0.49 (top quartile).	Information ratio: 0.22 (upper mid).	Information ratio: -0.30 (bottom quartile).	Information ratio: 0.47 (top quartile).	Information ratio: 0.13 (lower mid).	Information ratio: 0.46 (upper mid).	Information ratio: -0.27 (bottom quartile).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (25+ yrs).
Rating: 3★ (top quartile).
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 (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (lower mid).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,188 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.92% (top quartile).
3Y return: 21.40% (top quartile).
1Y return: 11.91% (lower mid).
Alpha: -5.20 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.49 (top quartile).

Nippon India Tax Saver Fund (ELSS)

Highest AUM (₹14,881 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.03% (upper mid).
3Y return: 17.98% (lower mid).
1Y return: 15.27% (top quartile).
Alpha: 0.95 (top quartile).
Sharpe: 0.26 (top quartile).
Information ratio: 0.22 (upper mid).

Bandhan Tax Advantage (ELSS) Fund

Top quartile AUM (₹7,060 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.84% (upper mid).
3Y return: 15.56% (bottom quartile).
1Y return: 12.57% (lower mid).
Alpha: 0.34 (upper mid).
Sharpe: 0.21 (upper mid).
Information ratio: -0.30 (bottom quartile).

Franklin India Taxshield

Upper mid AUM (₹6,440 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.58% (lower mid).
3Y return: 18.02% (upper mid).
1Y return: 8.63% (bottom quartile).
Alpha: -3.02 (lower mid).
Sharpe: -0.04 (lower mid).
Information ratio: 0.47 (top quartile).

BOI AXA Tax Advantage Fund

Lower mid AUM (₹1,374 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.42% (lower mid).
3Y return: 17.38% (lower mid).
1Y return: 13.17% (upper mid).
Alpha: -3.63 (lower mid).
Sharpe: -0.02 (lower mid).
Information ratio: 0.13 (lower mid).

JM Tax Gain Fund

Bottom quartile AUM (₹216 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.28% (bottom quartile).
3Y return: 18.53% (upper mid).
1Y return: 9.95% (bottom quartile).
Alpha: -4.56 (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.46 (upper mid).

Kotak Tax Saver Fund

Upper mid AUM (₹6,301 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.75% (bottom quartile).
3Y return: 15.55% (bottom quartile).
1Y return: 12.59% (upper mid).
Alpha: -1.89 (upper mid).
Sharpe: 0.07 (upper mid).
Information ratio: -0.27 (bottom quartile).

*ਉੱਪਰ ELSS ਦੀ ਸੂਚੀ ਹੈ -ਇਕੁਇਟੀ ਮਿਉਚੁਅਲ ਫੰਡ ਵਿਚਕਾਰ ਸ਼ੁੱਧ ਸੰਪਤੀ ਹੋਣ100 - 15000 ਪਿਛਲੇ 3 ਸਾਲਾਂ ਤੋਂ ਕਰੋੜ ਅਤੇ ਸੰਪਤੀਆਂ ਦਾ ਪ੍ਰਬੰਧਨ। ਪਿਛਲੇ 5 ਸਾਲਾਂ ਦੇ ਰਿਟਰਨਾਂ 'ਤੇ ਛਾਂਟੀ ਕੀਤੀ ਗਈਸਾਲਾਨਾ/ਸੀ.ਏ.ਜੀ.ਆਰ ਆਧਾਰ.

ELSS ਫੰਡ ਵਿੱਚ ਕੌਣ ਨਿਵੇਸ਼ ਕਰ ਸਕਦਾ ਹੈ?

ਆਮ ਤੌਰ 'ਤੇ, ELSS ਮਿਉਚੁਅਲ ਫੰਡ ਹਰ ਕਿਸਮ ਦੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਢੁਕਵੇਂ ਹੁੰਦੇ ਹਨ ਜੋ ਟੈਕਸ ਯੋਜਨਾਬੰਦੀ ਅਤੇ ਪੈਸੇ ਦੀ ਬੱਚਤ ਲਈ ਮਾਰਕੀਟ ਨਾਲ ਜੁੜੇ ਜੋਖਮ ਲੈਣ ਲਈ ਤਿਆਰ ਹੁੰਦੇ ਹਨ। ਕੋਈ ਵੀ ਵਿਅਕਤੀ ਆਪਣੇ ਜੀਵਨ ਦੇ ਕਿਸੇ ਵੀ ਸਮੇਂ ELSS ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦਾ ਹੈ। ਹਾਲਾਂਕਿ, ਤੁਹਾਡੇ ਕੈਰੀਅਰ ਦੇ ਸ਼ੁਰੂਆਤੀ ਪੜਾਅ ਦੌਰਾਨ ਟੈਕਸ ਬਚਾਉਣ ਵਾਲੇ ELSS ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦਾ ਸੁਝਾਅ ਦਿੱਤਾ ਜਾਂਦਾ ਹੈ ਤਾਂ ਜੋ ਸਮੇਂ ਦੇ ਨਾਲ ਤੁਹਾਡਾ ਪੈਸਾ ਵਧੇ ਅਤੇ ਤੁਸੀਂ ਬਿਹਤਰ ਰਿਟਰਨ ਕਮਾ ਸਕੋ।

ਇਸ ਲਈ, ਟੈਕਸ ਬਚਾਓ ਅਤੇ ਨਿਵੇਸ਼ ਕਰਕੇ ਇੱਕੋ ਸਮੇਂ ਦੋਵਾਂ ਵਿੱਚ ਚੰਗੀ ਰਿਟਰਨ ਕਮਾਓਸਰਬੋਤਮ ਐਲਐਸ ਫੰਡ. ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਪਤਾ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈ ਕਿ ELSS ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤੀ ਰਕਮ 3 ਸਾਲਾਂ ਲਈ ਬੰਦ ਹੈ।

ਨਿਵੇਸ਼ਕ ELSS ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ SIP (ਸਿਸਟਮੈਟਿਕ) ਦੇ ਇੱਕਮੁਸ਼ਤ (ਇਕ ਵਾਰ) ਵਜੋਂ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨਨਿਵੇਸ਼ ਯੋਜਨਾ). ਸ਼ੁਰੂਆਤ ਕਰਨ ਵਾਲਿਆਂ ਨੂੰ ਇਹ ਸਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ ਕਿ ਉਹ ਆਮ ਤੌਰ 'ਤੇ SIP ਦੀ ਵਰਤੋਂ ਕਰਕੇ ਨਿਵੇਸ਼ ਕਰਨ ਕਿਉਂਕਿ ਇਹ ਉਨ੍ਹਾਂ ਲਈ ਬਿਹਤਰ ਹੈ।

1. 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).
Established history (25+ yrs).
Rating: 3★ (top quartile).
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 (top quartile).
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
31 Jan 21	₹10,000

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 14 Jan 22

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
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

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

2. 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 (₹4,188 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.92% (top quartile).
3Y return: 21.40% (top quartile).
1Y return: 11.91% (lower mid).
Alpha: -5.20 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.49 (top 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 (19 Feb 26)	₹48.7612 ↓ -0.67 (-1.35 %)
Net Assets (Cr)	₹4,188 on 31 Jan 26
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.04
Information Ratio	0.49
Alpha Ratio	-5.2
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,265
31 Jan 23	₹13,176
31 Jan 24	₹19,252
31 Jan 25	₹23,449
31 Jan 26	₹23,990

Motilal Oswal Long Term Equity Fund SIP 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 14 Jan 22

Duration	Returns
1 Month	-1.1%
3 Month	-7.9%
6 Month	-4.5%
1 Year	11.9%
3 Year	21.4%
5 Year	16.9%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-9.1%
2023	47.7%
2022	37%
2021	1.8%
2020	32.1%
2019	8.8%
2018	13.2%
2017	-8.7%
2016	44%
2015	12.5%

Fund Manager information for Motilal Oswal Long Term Equity Fund

Name	Since	Tenure
Ajay Khandelwal	11 Dec 23	2.14 Yr.
Rakesh Shetty	22 Nov 22	3.2 Yr.
Atul Mehra	1 Oct 24	1.34 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	33.05%
Industrials	22.97%
Consumer Cyclical	16.09%
Technology	9.79%
Basic Materials	8.83%
Real Estate	3.76%
Health Care	2.64%
Consumer Defensive	1.83%

Asset Allocation

Asset Class	Value
Cash	1.03%
Equity	98.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	8%	₹328 Cr	1,296,040
Piramal Finance Ltd (Financial Services) Equity, Since 30 Sep 25 \| PIRAMALFIN	6%	₹244 Cr	1,401,921 ↑ 113,688
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	5%	₹219 Cr	8,000,000
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Jun 25 \| MUTHOOTFIN	5%	₹209 Cr	546,874
Billionbrains Garage Ventures Ltd (Financial Services) Equity, Since 30 Nov 25 \| GROWW	5%	₹194 Cr	10,941,411 ↑ 797,603
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	4%	₹185 Cr	102,631 ↑ 2,310
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	4%	₹163 Cr	583,979
Bharat Electronics Ltd (Industrials) Equity, Since 30 Apr 24 \| BEL	4%	₹162 Cr	3,598,038
Jain Resource Recycling Ltd (Basic Materials) Equity, Since 31 Oct 25 \| JAINREC	4%	₹159 Cr	3,870,864 ↑ 1,023,142
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	4%	₹157 Cr	1,077,437

3. 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)

Highest AUM (₹14,881 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.03% (upper mid).
3Y return: 17.98% (lower mid).
1Y return: 15.27% (top quartile).
Alpha: 0.95 (top quartile).
Sharpe: 0.26 (top quartile).
Information ratio: 0.22 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~7.4%).

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 (19 Feb 26)	₹130.335 ↓ -2.07 (-1.56 %)
Net Assets (Cr)	₹14,881 on 31 Jan 26
Category	Equity - ELSS
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	0.26
Information Ratio	0.22
Alpha Ratio	0.95
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,080
31 Jan 23	₹14,413
31 Jan 24	₹19,399
31 Jan 25	₹21,375
31 Jan 26	₹23,280

Nippon India Tax Saver Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 14 Jan 22

Duration	Returns
1 Month	1.3%
3 Month	-1.4%
6 Month	0.8%
1 Year	15.3%
3 Year	18%
5 Year	16%
10 Year
15 Year
Since launch	13.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6%
2023	17.6%
2022	28.6%
2021	6.9%
2020	37.6%
2019	-0.4%
2018	1.5%
2017	-20.7%
2016	46%
2015	4.2%

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

Name	Since	Tenure
Rupesh Patel	1 Jul 21	4.59 Yr.
Ritesh Rathod	19 Aug 24	1.45 Yr.
Kinjal Desai	25 May 18	7.7 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	36.53%
Consumer Cyclical	11.62%
Industrials	10.36%
Consumer Defensive	9.83%
Utility	6.95%
Health Care	6.35%
Energy	5.44%
Technology	4.74%
Communication Services	4%
Basic Materials	2.78%

Asset Allocation

Asset Class	Value
Cash	1.39%
Equity	98.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| ICICIBANK	7%	₹1,095 Cr	8,083,481 ↑ 183,481
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	7%	₹1,041 Cr	11,200,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| AXISBANK	5%	₹699 Cr	5,100,000 ↓ -500,000
State Bank of India (Financial Services) Equity, Since 31 Dec 13 \| SBIN	4%	₹582 Cr	5,400,000 ↓ -200,000
Infosys Ltd (Technology) Equity, Since 31 Mar 20 \| INFY	4%	₹574 Cr	3,500,000 ↓ -268,044
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 20 \| RELIANCE	3%	₹509 Cr	3,650,000
NTPC Ltd (Utilities) Equity, Since 28 Feb 19 \| NTPC	3%	₹498 Cr	14,000,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| MOTHERSON	3%	₹433 Cr	38,319,861
TVS Holdings Ltd (Consumer Cyclical) Equity, Since 30 Jun 13 \| TVSHLTD	3%	₹428 Cr	284,018 ↓ -130
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 31 Oct 21 \| 890157	2%	₹358 Cr	2,290,000

4. 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

Top quartile AUM (₹7,060 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.84% (upper mid).
3Y return: 15.56% (bottom quartile).
1Y return: 12.57% (lower mid).
Alpha: 0.34 (upper mid).
Sharpe: 0.21 (upper mid).
Information ratio: -0.30 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.9%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (19 Feb 26)	₹155.599 ↓ -1.88 (-1.20 %)
Net Assets (Cr)	₹7,060 on 31 Jan 26
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	0.21
Information Ratio	-0.3
Alpha Ratio	0.34
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,912
31 Jan 23	₹15,110
31 Jan 24	₹20,293
31 Jan 25	₹21,565
31 Jan 26	₹23,272

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 14 Jan 22

Duration	Returns
1 Month	0.7%
3 Month	-1.3%
6 Month	2.4%
1 Year	12.6%
3 Year	15.6%
5 Year	15.8%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	13.1%
2022	28.3%
2021	4.2%
2020	49.2%
2019	18.7%
2018	1.9%
2017	-9.4%
2016	53.4%
2015	0.4%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.29 Yr.
Ritika Behera	7 Oct 23	2.32 Yr.
Gaurav Satra	10 Jun 24	1.65 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	33.66%
Technology	11.58%
Consumer Cyclical	10.12%
Consumer Defensive	8.24%
Basic Materials	8.23%
Energy	7.28%
Health Care	5.76%
Industrials	4.09%
Communication Services	3.12%
Utility	2.33%
Real Estate	2.01%

Asset Allocation

Asset Class	Value
Cash	3.58%
Equity	96.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹558 Cr	6,000,000 ↑ 100,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹460 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹366 Cr	2,700,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	5%	₹344 Cr	1,100,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹306 Cr	7,500,000 ↑ 500,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹209 Cr	1,275,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| AXISBANK	3%	₹206 Cr	1,500,000 ↓ -400,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹183 Cr	1,700,000 ↓ -600,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹158 Cr	801,000
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 18 \| JINDALSTEL	2%	₹153 Cr	1,350,000

5. Franklin India Taxshield

The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate

Research Highlights for Franklin India Taxshield

Upper mid AUM (₹6,440 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.58% (lower mid).
3Y return: 18.02% (upper mid).
1Y return: 8.63% (bottom quartile).
Alpha: -3.02 (lower mid).
Sharpe: -0.04 (lower mid).
Information ratio: 0.47 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~9.4%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (19 Feb 26)	₹1,463.74 ↓ -21.59 (-1.45 %)
Net Assets (Cr)	₹6,440 on 31 Jan 26
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.04
Information Ratio	0.47
Alpha Ratio	-3.02
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,755
31 Jan 23	₹13,866
31 Jan 24	₹19,216
31 Jan 25	₹21,774
31 Jan 26	₹22,785

Franklin India Taxshield SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Franklin India Taxshield

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	-0.2%
3 Month	-3.6%
6 Month	-0.6%
1 Year	8.6%
3 Year	18%
5 Year	15.6%
10 Year
15 Year
Since launch	20.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.1%
2023	22.4%
2022	31.2%
2021	5.4%
2020	36.7%
2019	9.8%
2018	5.1%
2017	-3%
2016	29.1%
2015	4.7%

Fund Manager information for Franklin India Taxshield

Name	Since	Tenure
R. Janakiraman	2 May 16	9.76 Yr.
Rajasa Kakulavarapu	1 Dec 23	2.17 Yr.

Data below for Franklin India Taxshield as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	33.36%
Industrials	13.55%
Technology	10%
Consumer Cyclical	9.37%
Basic Materials	6.18%
Consumer Defensive	6.08%
Utility	5.05%
Health Care	4.42%
Communication Services	4.35%
Energy	3.19%
Real Estate	1.28%

Asset Allocation

Asset Class	Value
Cash	3.17%
Equity	96.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	9%	₹606 Cr	6,520,834
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	7%	₹447 Cr	3,297,903
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹348 Cr	883,853
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| AXISBANK	5%	₹340 Cr	2,477,634
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	5%	₹308 Cr	1,876,441
State Bank of India (Financial Services) Equity, Since 31 Aug 15 \| SBIN	5%	₹305 Cr	2,833,344
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	4%	₹280 Cr	1,421,571 ↓ -50,000
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 21 \| HCLTECH	4%	₹248 Cr	1,462,587
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹206 Cr	1,472,922
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| 543320	3%	₹205 Cr	7,500,000

6. 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

Lower mid AUM (₹1,374 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.42% (lower mid).
3Y return: 17.38% (lower mid).
1Y return: 13.17% (upper mid).
Alpha: -3.63 (lower mid).
Sharpe: -0.02 (lower mid).
Information ratio: 0.13 (lower mid).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~5.2%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (19 Feb 26)	₹160.53 ↓ -2.08 (-1.28 %)
Net Assets (Cr)	₹1,374 on 31 Jan 26
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.02
Information Ratio	0.13
Alpha Ratio	-3.63
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,895
31 Jan 23	₹13,855
31 Jan 24	₹20,018
31 Jan 25	₹21,539
31 Jan 26	₹22,366

BOI AXA Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 14 Jan 22

Duration	Returns
1 Month	1.9%
3 Month	-1.3%
6 Month	1.8%
1 Year	13.2%
3 Year	17.4%
5 Year	15.4%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.5%
2023	21.6%
2022	34.8%
2021	-1.3%
2020	41.5%
2019	31.2%
2018	14.6%
2017	-16.3%
2016	57.7%
2015	-1.2%

Fund Manager information for BOI AXA Tax Advantage Fund

Name	Since	Tenure
Alok Singh	27 Apr 22	3.77 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	23.83%
Industrials	16.76%
Basic Materials	14.44%
Consumer Cyclical	7.15%
Technology	5.52%
Consumer Defensive	5.37%
Utility	5.15%
Communication Services	3.37%
Energy	2.29%
Health Care	1.77%
Real Estate	0.12%

Asset Allocation

Asset Class	Value
Cash	14.11%
Equity	85.77%
Debt	0.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	5%	₹72 Cr	664,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	4%	₹49 Cr	105,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	4%	₹48 Cr	355,000 ↓ -50,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| VEDL	3%	₹48 Cr	700,000 ↓ -712,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹46 Cr	235,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹42 Cr	221,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹41 Cr	437,532
Indian Bank (Financial Services) Equity, Since 31 Aug 23 \| INDIANB	3%	₹38 Cr	415,000 ↑ 15,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹36 Cr	1,120,000
Coromandel International Ltd (Basic Materials) Equity, Since 31 Jan 23 \| COROMANDEL	3%	₹36 Cr	157,000

7. 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 (₹216 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.28% (bottom quartile).
3Y return: 18.53% (upper mid).
1Y return: 9.95% (bottom quartile).
Alpha: -4.56 (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.46 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~4.2%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (19 Feb 26)	₹47.9044 ↓ -0.74 (-1.51 %)
Net Assets (Cr)	₹216 on 31 Jan 26
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.12
Information Ratio	0.46
Alpha Ratio	-4.56
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,461
31 Jan 23	₹13,235
31 Jan 24	₹18,640
31 Jan 25	₹21,729
31 Jan 26	₹22,357

JM Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 14 Jan 22

Duration	Returns
1 Month	-1.3%
3 Month	-5.4%
6 Month	-0.8%
1 Year	9.9%
3 Year	18.5%
5 Year	15.3%
10 Year
15 Year
Since launch	9.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.5%
2023	29%
2022	30.9%
2021	0.5%
2020	32.2%
2019	18.3%
2018	14.9%
2017	-4.6%
2016	42.6%
2015	5.2%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.34 Yr.
Asit Bhandarkar	31 Dec 21	4.09 Yr.
Ruchi Fozdar	4 Oct 24	1.33 Yr.
Deepak Gupta	11 Apr 25	0.81 Yr.

Data below for JM Tax Gain Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	28.42%
Consumer Cyclical	15.57%
Technology	11.47%
Industrials	10.28%
Basic Materials	8.65%
Health Care	8.39%
Consumer Defensive	3.74%
Real Estate	3.59%
Energy	3.45%
Communication Services	3.01%

Asset Allocation

Asset Class	Value
Cash	3.43%
Equity	96.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹9 Cr	98,262
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	4%	₹8 Cr	19,647
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹7 Cr	48,500
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	32,950 ↑ 7,500
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 590003	3%	₹6 Cr	199,000
Max Financial Services Ltd (Financial Services) Equity, Since 31 May 25 \| MFSL	3%	₹6 Cr	36,400
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| MARUTI	3%	₹6 Cr	3,956
CarTrade Tech Ltd (Consumer Cyclical) Equity, Since 30 Sep 25 \| 543333	3%	₹5 Cr	20,655 ↑ 3,300
Lupin Ltd (Healthcare) Equity, Since 31 May 25 \| LUPIN	2%	₹5 Cr	25,000

8. 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 (₹6,301 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.75% (bottom quartile).
3Y return: 15.55% (bottom quartile).
1Y return: 12.59% (upper mid).
Alpha: -1.89 (upper mid).
Sharpe: 0.07 (upper mid).
Information ratio: -0.27 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~8.8%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (19 Feb 26)	₹116.342 ↓ -1.81 (-1.53 %)
Net Assets (Cr)	₹6,301 on 31 Jan 26
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	0.07
Information Ratio	-0.27
Alpha Ratio	-1.89
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,386
31 Jan 23	₹13,841
31 Jan 24	₹17,810
31 Jan 25	₹20,206
31 Jan 26	₹21,402

Kotak 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 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 14 Jan 22

Duration	Returns
1 Month	0.3%
3 Month	-1.7%
6 Month	1%
1 Year	12.6%
3 Year	15.6%
5 Year	14.8%
10 Year
15 Year
Since launch	12.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	1.8%
2023	21.8%
2022	23.6%
2021	6.9%
2020	33.2%
2019	14.9%
2018	12.7%
2017	-3.8%
2016	33.8%
2015	7.5%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	10.45 Yr.

Data below for Kotak Tax Saver Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	32.65%
Consumer Cyclical	12.23%
Technology	10.12%
Industrials	9.75%
Basic Materials	9.73%
Energy	6.67%
Health Care	4.9%
Consumer Defensive	4.87%
Communication Services	4.66%
Utility	3.9%

Asset Allocation

Asset Class	Value
Cash	0.53%
Equity	99.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	9%	₹558 Cr	6,000,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹339 Cr	3,150,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹312 Cr	2,300,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| TECHM	4%	₹235 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹232 Cr	1,180,000
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	4%	₹226 Cr	1,378,553
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| BRITANNIA	3%	₹167 Cr	285,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| NTPC	3%	₹166 Cr	4,670,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| HEROMOTOCO	3%	₹166 Cr	300,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| 543320	3%	₹164 Cr	6,000,000

ELSS SIP ਕੈਲਕੁਲੇਟਰ

Know Your SIP Returns

Total investment amount is ₹720,000
expected amount after 5 Years is ₹1,074,189.
Net Profit of ₹354,189 Invest Now

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