ELSS ਕੈਲਕੁਲੇਟਰ

ELSS ਇੱਕ ਓਪਨ-ਐਂਡ ਇਕੁਇਟੀ ਹੈਮਿਉਚੁਅਲ ਫੰਡ ਇਹ ਨਾ ਸਿਰਫ ਟੈਕਸ ਬਚਾਉਣ ਦੇ ਉਦੇਸ਼ਾਂ ਲਈ ਵਧੀਆ ਹੈ ਬਲਕਿ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ ਲਈ ਵਿਕਾਸ ਦੇ ਮੌਕੇ ਵੀ ਪੈਦਾ ਕਰਦਾ ਹੈ। ਇਹ ਸਕੀਮਾਂ ਭਾਰਤ ਸਰਕਾਰ ਦੁਆਰਾ ਲੋਕਾਂ ਵਿੱਚ ਲੰਬੇ ਸਮੇਂ ਦੇ ਨਿਵੇਸ਼ ਦੀ ਆਦਤ ਪੈਦਾ ਕਰਨ ਲਈ ਉਤਸ਼ਾਹਿਤ ਕੀਤੀਆਂ ਜਾਂਦੀਆਂ ਹਨ। ਜਿਵੇਂ ਕਿ ਨਾਮ ਤੋਂ ਸਪੱਸ਼ਟ ਹੈ, ਇਕੁਇਟੀ ਲਿੰਕਡ ਸੇਵਿੰਗਜ਼ ਸਕੀਮਾਂ ਵਿੱਚ ਫੰਡ ਦਾ ਵੱਡਾ ਹਿੱਸਾ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈਇਕੁਇਟੀ ਜਾਂ ਇਕੁਇਟੀ-ਸਬੰਧਤ ਉਤਪਾਦ। ਜਦੋਂ ਤੁਸੀਂ ਇਕੁਇਟੀ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾਉਂਦੇ ਹੋ ਤਾਂ ਇਸ ਤੋਂ ਪਹਿਲਾਂ ਨਿਵੇਸ਼ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਨੂੰ ਨਿਰਧਾਰਤ ਕਰਨਾ ਇੱਕ ਬੁੱਧੀਮਾਨ ਫੈਸਲਾ ਹੁੰਦਾ ਹੈਨਿਵੇਸ਼. ਇਹ ਇੱਕ ELSS ਕੈਲਕੁਲੇਟਰ ਵਜੋਂ ਜਾਣੇ ਜਾਂਦੇ ਇੱਕ ਸਾਧਨ ਦੁਆਰਾ ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈ।

ਇੱਕ ELSS ਕੈਲਕੁਲੇਟਰ ਕੀ ਹੈ?

ਇੱਕ ELSS ਕੈਲਕੁਲੇਟਰ ਇੱਕ ਬਹੁਤ ਹੀ ਮਦਦਗਾਰ ਟੂਲ ਹੈ ਜੋ ਇੱਕ ELSS ਸਕੀਮ ਵਿੱਚ ਸਭ ਤੋਂ ਵਧੀਆ ਨਿਵੇਸ਼ ਦੀ ਚੋਣ ਕਰਨ ਦੇ ਸਬੰਧ ਵਿੱਚ ਸਹੀ ਫੈਸਲੇ ਲੈਣ ਵਿੱਚ ਤੁਹਾਡੀ ਮਦਦ ਕਰਨ ਵਿੱਚ ਮਹੱਤਵਪੂਰਨ ਭੂਮਿਕਾ ਨਿਭਾਉਂਦਾ ਹੈ। T=ਤੁਸੀਂ ਇਹ ਮੁਲਾਂਕਣ ਕਰਨ ਦੇ ਯੋਗ ਹੋਵੋਗੇ ਕਿ ਨਿਵੇਸ਼ ਕਿੰਨਾ ਪ੍ਰਭਾਵਸ਼ਾਲੀ ਹੋਵੇਗਾ ਜਾਂ ਨਹੀਂ। ਤੁਹਾਡੇ ਦੁਆਰਾ ਚੁਣੀ ਗਈ ਸਕੀਮ ਦੀ ਕਿਸਮ 'ਤੇ ਨਿਰਭਰ ਕਰਦਿਆਂ, ਇੱਥੇ ਬਹੁਤ ਸਾਰੇ ELSS ਕੈਲਕੂਲੇਟਰ ਹਨ ਜਿਨ੍ਹਾਂ ਦੀ ਤੁਸੀਂ ਵਰਤੋਂ ਕਰ ਸਕਦੇ ਹੋ।

ELSS ਕੈਲਕੁਲੇਟਰ: SIP ਕੰਮ ਦਾ ਪਿਛਲਾ ਪ੍ਰਦਰਸ਼ਨ?

ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨsip ਕੈਲਕੁਲੇਟਰ ਤੁਹਾਡੀ ਇਤਿਹਾਸਕ ਕਾਰਗੁਜ਼ਾਰੀ ਬਾਰੇ ਸੂਝ ਪ੍ਰਦਾਨ ਕਰਨ ਲਈ ਇੱਕ ਮਹੱਤਵਪੂਰਨ ਸਾਧਨ ਹੈSIP. ਕੈਲਕੁਲੇਟਰ ਕੁਝ ਵੇਰਵਿਆਂ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਰੱਖਦਾ ਹੈ ਜਿਵੇਂ ਕਿ:

ਉਪਰੋਕਤ ਵੇਰਵਿਆਂ ਦੇ ਨਾਲ, ਇੱਕ ELSS SIP ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨ ਕੈਲਕੁਲੇਟਰ ਇੱਕ ਅੰਦਾਜ਼ਾ ਤਿਆਰ ਕਰੇਗਾ ਕਿ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੇ ਸਮੇਂ ਤੁਹਾਡੇ SIP ਨਿਵੇਸ਼ ਦੀ ਕੀਮਤ ਕਿੰਨੀ ਹੋਵੇਗੀ। ਅਜਿਹਾ ਮੁਲਾਂਕਣ ਇਹ ਨਿਰਧਾਰਤ ਕਰਨ ਦਾ ਇੱਕ ਚੰਗਾ ਸਾਧਨ ਹੈ ਕਿ ਇੱਕ ਫੰਡ ਵੱਖ-ਵੱਖ ਸਮੇਂ ਵਿੱਚ ਕਿਵੇਂ ਪ੍ਰਦਰਸ਼ਨ ਕਰਦਾ ਹੈਬਜ਼ਾਰ ਚੱਕਰ ਭਵਿੱਖ ਦੀਆਂ ਸੰਭਾਵਨਾਵਾਂ ਦੇ ਸੰਦਰਭ ਵਿੱਚ ਫੰਡ ਕਿੱਥੇ ਜਾ ਰਿਹਾ ਹੋ ਸਕਦਾ ਹੈ, ਇਹ ਪਤਾ ਲਗਾਉਣ ਲਈ ਲੰਬੇ ਸਮੇਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਵੀ ਇੱਕ ਚੰਗੀ ਸਮਝ ਹੈ। ਹਾਲਾਂਕਿ ਇਹ ਸਪੱਸ਼ਟ ਕੀਤਾ ਜਾਣਾ ਚਾਹੀਦਾ ਹੈ ਕਿ ਪਿਛਲੀਆਂ ਕਾਰਗੁਜ਼ਾਰੀਆਂ ਭਵਿੱਖ ਵਿੱਚ ਰਿਟਰਨ ਦੀ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਹਨ, ਫਿਰ ਵੀ ਉਹ ਇਹ ਦਰਸਾ ਕੇ ਮਦਦ ਕਰਦੇ ਹਨ ਕਿ ਪ੍ਰਤੀਕੂਲ ਬਜ਼ਾਰ ਦੀਆਂ ਸਥਿਤੀਆਂ ਦੌਰਾਨ ਫੰਡ ਕਿਵੇਂ ਰੱਖਿਆ ਗਿਆ ਹੈ।

ਚੋਟੀ ਦੇ ELSS ਫੰਡ

1. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Research Highlights for Tata India Tax Savings Fund

Highest AUM (₹4,717 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.16% (top quartile).
3Y return: 15.28% (lower mid).
1Y return: 4.94% (bottom quartile).
Alpha: -2.94 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: -0.35 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~7.2%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (27 Nov 25)	₹46.3904 ↓ -0.03 (-0.06 %)
Net Assets (Cr)	₹4,717 on 31 Oct 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.18
Information Ratio	-0.35
Alpha Ratio	-2.94
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,587
31 Oct 22	₹16,344
31 Oct 23	₹17,842
31 Oct 24	₹24,487
31 Oct 25	₹25,083

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for Tata India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	1.4%
3 Month	7%
6 Month	6.9%
1 Year	4.9%
3 Year	15.3%
5 Year	18.2%
10 Year
15 Year
Since launch	14.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	24%
2022	5.9%
2021	30.4%
2020	11.9%
2019	13.6%
2018	-8.4%
2017	46%
2016	2.1%
2015	13.3%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	3.88 Yr.

Data below for Tata India Tax Savings Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	34.31%
Industrials	15.33%
Consumer Cyclical	13.04%
Basic Materials	7.32%
Technology	6.25%
Energy	5.45%
Communication Services	4.41%
Health Care	3.39%
Real Estate	2.54%
Utility	2.47%
Consumer Defensive	1.85%

Asset Allocation

Asset Class	Value
Cash	3.22%
Equity	96.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹341 Cr	3,450,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹286 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹201 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹193 Cr	940,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹191 Cr	2,040,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹172 Cr	1,160,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹160 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹142 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	2%	₹116 Cr	3,451,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Mar 22 \| 500034	2%	₹112 Cr	1,070,000

2. 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

Lower mid AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (upper mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (top quartile).

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 Oct 20	₹10,000
31 Oct 21	₹16,669

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 27 Nov 25

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

3. 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★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (top quartile).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (top 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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,902
31 Oct 22	₹15,190

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 27 Nov 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

4. Sundaram Diversified Equity Fund

To achieve capital appreciation by investing predominantly in equities and equity-related instruments. A three-year lock-in period shall apply in line with the regulation for ELSS schemes.

Research Highlights for Sundaram Diversified Equity Fund

Upper mid AUM (₹1,481 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.67% (lower mid).
3Y return: 13.04% (bottom quartile).
1Y return: 6.05% (lower mid).
Alpha: -0.02 (lower mid).
Sharpe: 0.02 (lower mid).
Information ratio: -1.01 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~8.6%).

Below is the key information for Sundaram Diversified Equity Fund

Sundaram Diversified Equity Fund Growth
Launch Date	22 Nov 99
NAV (27 Nov 25)	₹227.723 ↑ 0.15 (0.06 %)
Net Assets (Cr)	₹1,481 on 31 Oct 25
Category	Equity - ELSS
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	0.02
Information Ratio	-1.01
Alpha Ratio	-0.02
Min Investment	500
Min SIP Investment	250
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,703
31 Oct 22	₹16,615
31 Oct 23	₹17,857
31 Oct 24	₹22,577
31 Oct 25	₹23,888

Sundaram Diversified 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 Sundaram Diversified 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 27 Nov 25

Duration	Returns
1 Month	1.1%
3 Month	3%
6 Month	5.5%
1 Year	6%
3 Year	13%
5 Year	16.7%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12%
2023	23.3%
2022	4%
2021	31.5%
2020	9.9%
2019	6.2%
2018	-10.6%
2017	38.4%
2016	6.8%
2015	3.1%

Fund Manager information for Sundaram Diversified Equity Fund

Name	Since	Tenure
Rohit Seksaria	24 Feb 21	4.69 Yr.
Bharath Subramanian	2 Jun 25	0.42 Yr.

Data below for Sundaram Diversified Equity Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	24.53%
Industrials	9.63%
Consumer Cyclical	9.62%
Consumer Defensive	8.9%
Basic Materials	8.69%
Energy	7.96%
Utility	7.34%
Technology	7.33%
Health Care	5.89%
Communication Services	4.3%

Asset Allocation

Asset Class	Value
Cash	4.4%
Equity	95.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| HDFCBANK	9%	₹128 Cr	1,294,318
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 12 \| RELIANCE	6%	₹88 Cr	592,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| ICICIBANK	5%	₹78 Cr	583,000
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| 532215	4%	₹64 Cr	520,000 ↑ 15,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	4%	₹64 Cr	310,165
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	4%	₹56 Cr	595,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 18 \| LT	4%	₹56 Cr	138,000
Infosys Ltd (Technology) Equity, Since 30 Nov 16 \| INFY	4%	₹52 Cr	352,000
ITC Ltd (Consumer Defensive) Equity, Since 28 Feb 23 \| ITC	3%	₹51 Cr	1,210,000
NTPC Ltd (Utilities) Equity, Since 31 Oct 24 \| 532555	3%	₹41 Cr	1,215,766 ↑ 433,766

ਜਾਣ-ਪਛਾਣ

ਇੱਕ ELSS ਕੈਲਕੁਲੇਟਰ ਕੀ ਹੈ?