8 சிறந்த ELSS வரி சேமிப்பு மியூச்சுவல் ஃபண்டுகள் 2022

Updated on January 29, 2026 , 65323 views

நிதியாண்டு முடிவடைவதால், உங்கள் வேலையைத் தொடங்குவதற்கான நேரம் இதுவரி திட்டமிடல். இந்தியாவில் பல வரி சேமிப்பு விருப்பங்களுடன்,ELSS வரிச் சேமிப்புக்கு அப்பாற்பட்ட பலன்களை வழங்குவதால் சிறந்ததாக விளங்குகிறது.

ELSS அல்லது ஈக்விட்டி இணைக்கப்பட்ட சேமிப்புத் திட்டங்கள் 3 வருட லாக்-இன் காலத்துடன் வருகிறது, இது மற்ற அனைத்து வரிச் சேமிப்புகளுடன் ஒப்பிடும் போது மிகக் குறைவான கையிருப்பாகும். மூலம்முதலீடு ELSS இல், ஒருவர் INR 1,50 வரை விலக்குகளைப் பெறலாம்,000 அவர்களின் வரிவிதிப்பிலிருந்துவருமானம் படிபிரிவு 80C இன்வருமான வரி நாடகம். ELSS நிதிகள் பங்கு மற்றும் தொடர்புடைய தயாரிப்புகளில் முதலீடு செய்யப்படும் நிதியின் பெரும்பகுதியுடன் சமபங்கு பன்முகப்படுத்தப்பட்டதால், அவை ஈக்விட்டி வருமானத்தையும் வழங்குகின்றன. இதன் பொருள் முதலீட்டாளர்கள் தங்கள் முதலீடுகளில் ஈக்விட்டி வருமானத்தையும் பெற முடியும்.

இந்தத் திட்டத்தின் வேறு சில முக்கிய அம்சங்களைப் பார்ப்பதற்கு முன், சிறந்த ELSS வரிச் சேமிப்பைப் பார்ப்போம்பரஸ்பர நிதி 2022 - 2023 க்கு.

வரி சேமிப்புக்கு ELSS ஐ ஏன் தேர்வு செய்ய வேண்டும்?

ELSS இன் மற்ற முக்கிய நன்மைகள்:

வரி இல்லாத வருமானம்

பட்ஜெட் 2018 இன் படி, ELSS நீண்ட காலத்தை ஈர்க்கும்மூலதனம் ஆதாயங்கள் (LTCG). நீண்ட கால அடிப்படையில் முதலீட்டாளர்களுக்கு 10% வரி விதிக்கப்படும் (குறியீடு இல்லாமல்).மூலதன ஆதாயம் வரி. 1 லட்சம் வரையிலான லாபங்களுக்கு வரி இல்லை. 1 லட்சத்துக்கும் மேலான லாபங்களுக்கு 10% வரி பொருந்தும்.

குறைந்தபட்ச முதலீட்டுத் தொகை

ஒரு எடுத்துக்கொள்வதன் மூலம்எஸ்ஐபி வழியில், முதலீட்டாளர்கள் 500 ரூபாய்க்கு குறைவான தொகையை முதலீடு செய்யலாம். இது ஒரு தனிநபரை அனுமதிக்கிறதுபணத்தை சேமி மொத்த தொகைக்கு பதிலாக ஒவ்வொரு மாதமும்.

ஈக்விட்டி ரிட்டர்ன்ஸ்

இந்த மியூச்சுவல் ஃபண்டுகள் ஈக்விட்டி தொடர்பான கருவிகளில் முதலீடு செய்வதால், நீங்கள் முதலீடு செய்யும் பணம் பங்குகளாக வளரும்சந்தை வளர்கிறது. எனவே, ELSS நிதிகளில் ஆதாயங்கள் அதிகம்.

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சிறந்த செயல்திறன் கொண்ட ELSS வரி சேமிப்பு மியூச்சுவல் ஃபண்டுகள் FY 22 - 23

Fund	NAV	Net Assets (Cr)	Rating	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹48.6307 ↓ -0.04	₹4,341	Not Rated	-8.2	-7.2	5.4	22.4	19.1	-9.1
Bandhan Tax Advantage (ELSS) Fund Growth	₹153.645 ↑ 0.03	₹7,333	☆☆☆☆☆	-1.9	1.7	8.9	15.9	18.4	8
Franklin India Taxshield Growth	₹1,453.29 ↑ 0.74	₹6,693	☆☆	-4.1	-1.8	5.8	18.3	17.9	2.1
BOI AXA Tax Advantage Fund Growth	₹158.44 ↓ -0.97	₹1,402	☆☆☆	-2.9	-0.8	5.3	17.8	17.5	-3.5
JM Tax Gain Fund Growth	₹47.3441 ↑ 0.16	₹226	☆☆☆	-6.4	-1.8	4.4	19.5	17.5	2.5
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	☆☆☆	1.2	15.4	35.5	20.6	17.4
Kotak Tax Saver Fund Growth	₹114.888 ↓ -0.03	₹6,452	☆☆☆	-2.5	-0.7	6.9	16	16.4	1.8
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth	₹929.76 ↑ 0.94	₹14,769	☆☆	-3.9	-0.1	9.7	16.3	16.2	9.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jan 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	Bandhan Tax Advantage (ELSS) Fund	Franklin India Taxshield	BOI AXA Tax Advantage Fund	JM Tax Gain Fund	HDFC Long Term Advantage Fund	Kotak Tax Saver Fund	ICICI Prudential Long Term Equity Fund (Tax Saving)
Point 1	Lower mid AUM (₹4,341 Cr).	Top quartile AUM (₹7,333 Cr).	Upper mid AUM (₹6,693 Cr).	Lower mid AUM (₹1,402 Cr).	Bottom quartile AUM (₹226 Cr).	Bottom quartile AUM (₹1,318 Cr).	Upper mid AUM (₹6,452 Cr).	Highest AUM (₹14,769 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (25+ yrs).	Established history (20+ yrs).	Established history (26+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 2★ (lower mid).	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).
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: 19.13% (top quartile).	5Y return: 18.40% (top quartile).	5Y return: 17.90% (upper mid).	5Y return: 17.47% (upper mid).	5Y return: 17.46% (lower mid).	5Y return: 17.39% (lower mid).	5Y return: 16.44% (bottom quartile).	5Y return: 16.17% (bottom quartile).
Point 6	3Y return: 22.42% (top quartile).	3Y return: 15.85% (bottom quartile).	3Y return: 18.33% (upper mid).	3Y return: 17.78% (lower mid).	3Y return: 19.50% (upper mid).	3Y return: 20.64% (top quartile).	3Y return: 16.01% (bottom quartile).	3Y return: 16.33% (lower mid).
Point 7	1Y return: 5.37% (lower mid).	1Y return: 8.93% (upper mid).	1Y return: 5.80% (lower mid).	1Y return: 5.25% (bottom quartile).	1Y return: 4.37% (bottom quartile).	1Y return: 35.51% (top quartile).	1Y return: 6.92% (upper mid).	1Y return: 9.72% (top quartile).
Point 8	Alpha: -16.15 (bottom quartile).	Alpha: 0.45 (upper mid).	Alpha: -5.39 (lower mid).	Alpha: -10.85 (bottom quartile).	Alpha: -4.83 (upper mid).	Alpha: 1.75 (top quartile).	Alpha: -5.73 (lower mid).	Alpha: 2.20 (top quartile).
Point 9	Sharpe: -0.43 (bottom quartile).	Sharpe: 0.21 (upper mid).	Sharpe: -0.22 (lower mid).	Sharpe: -0.36 (bottom quartile).	Sharpe: -0.15 (upper mid).	Sharpe: 2.27 (top quartile).	Sharpe: -0.19 (lower mid).	Sharpe: 0.36 (top quartile).
Point 10	Information ratio: 0.53 (top quartile).	Information ratio: -0.08 (lower mid).	Information ratio: 0.45 (upper mid).	Information ratio: 0.01 (upper mid).	Information ratio: 0.65 (top quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: -0.35 (bottom quartile).	Information ratio: -0.08 (lower mid).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,341 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.13% (top quartile).
3Y return: 22.42% (top quartile).
1Y return: 5.37% (lower mid).
Alpha: -16.15 (bottom quartile).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.53 (top quartile).

Bandhan Tax Advantage (ELSS) Fund

Top quartile AUM (₹7,333 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.40% (top quartile).
3Y return: 15.85% (bottom quartile).
1Y return: 8.93% (upper mid).
Alpha: 0.45 (upper mid).
Sharpe: 0.21 (upper mid).
Information ratio: -0.08 (lower mid).

Franklin India Taxshield

Upper mid AUM (₹6,693 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.90% (upper mid).
3Y return: 18.33% (upper mid).
1Y return: 5.80% (lower mid).
Alpha: -5.39 (lower mid).
Sharpe: -0.22 (lower mid).
Information ratio: 0.45 (upper mid).

BOI AXA Tax Advantage Fund

Lower mid AUM (₹1,402 Cr).
Established history (16+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 17.47% (upper mid).
3Y return: 17.78% (lower mid).
1Y return: 5.25% (bottom quartile).
Alpha: -10.85 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.01 (upper mid).

JM Tax Gain Fund

Bottom quartile AUM (₹226 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.46% (lower mid).
3Y return: 19.50% (upper mid).
1Y return: 4.37% (bottom quartile).
Alpha: -4.83 (upper mid).
Sharpe: -0.15 (upper mid).
Information ratio: 0.65 (top quartile).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (lower mid).
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 (bottom quartile).

Kotak Tax Saver Fund

Upper mid AUM (₹6,452 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.44% (bottom quartile).
3Y return: 16.01% (bottom quartile).
1Y return: 6.92% (upper mid).
Alpha: -5.73 (lower mid).
Sharpe: -0.19 (lower mid).
Information ratio: -0.35 (bottom quartile).

ICICI Prudential Long Term Equity Fund (Tax Saving)

Highest AUM (₹14,769 Cr).
Established history (26+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.17% (bottom quartile).
3Y return: 16.33% (lower mid).
1Y return: 9.72% (top quartile).
Alpha: 2.20 (top quartile).
Sharpe: 0.36 (top quartile).
Information ratio: -0.08 (lower mid).

*மேலே ELSS பட்டியல் உள்ளது -ஈக்விட்டி மியூச்சுவல் ஃபண்டுகள் இடையே நிகர சொத்துக்கள் உள்ளன100 - 15000 கடந்த 3 ஆண்டுகளில் இருந்து கோடி மற்றும் சொத்துகளை நிர்வகித்தல். கடந்த 5 வருட வருமானத்தின் அடிப்படையில் வரிசைப்படுத்தப்பட்டதுவருடாந்திர /சிஏஜிஆர் அடிப்படை.

ELSS நிதியில் யார் முதலீடு செய்யலாம்?

பொதுவாக, ELSS மியூச்சுவல் ஃபண்டுகள், வரி திட்டமிடல் மற்றும் பணத்தைச் சேமிப்பதற்காக சந்தை தொடர்பான அபாயங்களை எடுக்கத் தயாராக இருக்கும் அனைத்து வகையான முதலீட்டாளர்களுக்கும் ஏற்றது. ELSS நிதிகளில் யார் வேண்டுமானாலும் தங்கள் வாழ்க்கையில் எந்த நேரத்திலும் முதலீடு செய்யலாம். இருப்பினும், உங்கள் தொழில் வாழ்க்கையின் ஆரம்ப கட்டத்தில் வரிச் சேமிப்பு ELSS நிதிகளில் முதலீடு செய்ய பரிந்துரைக்கப்படுகிறது, இதனால் உங்கள் பணம் காலப்போக்கில் வளரும் மற்றும் நீங்கள் சிறந்த வருமானத்தைப் பெறுவீர்கள்.

எனவே, வரியைச் சேமித்து முதலீடு செய்வதன் மூலம் ஒரே நேரத்தில் நல்ல வருமானத்தைப் பெறுங்கள்சிறந்த பிற நிதிகள். ELSS ஃபண்டுகளில் முதலீடு செய்யப்படும் தொகை 3 ஆண்டுகளுக்குப் பூட்டப்பட்டுள்ளது என்பதை முதலீட்டாளர்கள் அறிந்திருக்க வேண்டும்.

முதலீட்டாளர்கள் ELSS மியூச்சுவல் ஃபண்டுகளில் SIP (சிஸ்டமேடிக்) லம்ப்சம் (ஒரு முறை) முதலீடு செய்யலாம்முதலீட்டுத் திட்டம்) தொடக்கநிலையாளர்கள் பொதுவாக SIP ஐப் பயன்படுத்தி முதலீடு செய்வது அவர்களுக்கு மிகவும் பொருத்தமானது என அறிவுறுத்தப்படுகிறது.

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 (₹4,341 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.13% (top quartile).
3Y return: 22.42% (top quartile).
1Y return: 5.37% (lower mid).
Alpha: -16.15 (bottom quartile).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.53 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Multi Commodity Exchange of India Ltd (~6.6%).

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 (30 Jan 26)	₹48.6307 ↓ -0.04 (-0.07 %)
Net Assets (Cr)	₹4,341 on 31 Dec 25
Category	Equity - ELSS
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.65
Sharpe Ratio	-0.43
Information Ratio	0.53
Alpha Ratio	-16.15
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 ₹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 30 Jan 26

Duration	Returns
1 Month	-2.8%
3 Month	-8.2%
6 Month	-7.2%
1 Year	5.4%
3 Year	22.4%
5 Year	19.1%
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	2.06 Yr.
Rakesh Shetty	22 Nov 22	3.11 Yr.
Atul Mehra	1 Oct 24	1.25 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	28.84%
Industrials	23.25%
Consumer Cyclical	16.56%
Technology	10.56%
Basic Materials	8.31%
Real Estate	3.96%
Health Care	3.54%
Consumer Defensive	1.96%

Asset Allocation

Asset Class	Value
Cash	3.03%
Equity	96.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 29 Feb 24 \| MCX	7%	₹289 Cr	259,208
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	5%	₹222 Cr	8,000,000 ↓ -970,581
Piramal Finance Ltd (Financial Services) Equity, Since 30 Sep 25 \| PIRAMALFIN	5%	₹212 Cr	1,288,233 ↑ 9,000
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Jun 25 \| 533398	5%	₹208 Cr	546,874
PTC Industries Ltd (Industrials) Equity, Since 30 Sep 24 \| 539006	4%	₹186 Cr	100,321
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| 543396	4%	₹176 Cr	1,351,856 ↑ 94,889
Waaree Energies Ltd (Technology) Equity, Since 31 Oct 24 \| 544277	4%	₹173 Cr	583,979
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Oct 23 \| PRESTIGE	4%	₹172 Cr	1,077,437
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 24 \| AMBER	4%	₹165 Cr	259,006 ↑ 18,656
Apar Industries Ltd (Industrials) Equity, Since 31 Dec 23 \| APARINDS	4%	₹163 Cr	194,366 ↑ 9,736

2. 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 (₹7,333 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.40% (top quartile).
3Y return: 15.85% (bottom quartile).
1Y return: 8.93% (upper mid).
Alpha: 0.45 (upper mid).
Sharpe: 0.21 (upper mid).
Information ratio: -0.08 (lower mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~8.0%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (30 Jan 26)	₹153.645 ↑ 0.03 (0.02 %)
Net Assets (Cr)	₹7,333 on 31 Dec 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	0.21
Information Ratio	-0.08
Alpha Ratio	0.45
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 ₹481,656.
Net Profit of ₹181,656 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 30 Jan 26

Duration	Returns
1 Month	-2.8%
3 Month	-1.9%
6 Month	1.7%
1 Year	8.9%
3 Year	15.9%
5 Year	18.4%
10 Year
15 Year
Since launch	17.3%

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	9.21 Yr.
Ritika Behera	7 Oct 23	2.24 Yr.
Gaurav Satra	10 Jun 24	1.56 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	34.22%
Technology	11.26%
Consumer Cyclical	9.13%
Consumer Defensive	8.85%
Basic Materials	7.55%
Energy	7.43%
Health Care	5.65%
Industrials	4.16%
Communication Services	2.94%
Real Estate	2.03%
Utility	1.84%

Asset Allocation

Asset Class	Value
Cash	4.93%
Equity	95.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹585 Cr	5,900,000 ↑ 200,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹518 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| 532174	5%	₹363 Cr	2,700,000 ↑ 200,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	5%	₹353 Cr	1,100,000 ↑ 50,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹308 Cr	1,400,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹241 Cr	1,900,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹226 Cr	2,300,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹206 Cr	1,275,000 ↓ -125,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹169 Cr	801,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| MARUTI	2%	₹167 Cr	100,000

3. 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 (₹6,693 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.90% (upper mid).
3Y return: 18.33% (upper mid).
1Y return: 5.80% (lower mid).
Alpha: -5.39 (lower mid).
Sharpe: -0.22 (lower mid).
Information ratio: 0.45 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~9.7%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield Growth
Launch Date	10 Apr 99
NAV (30 Jan 26)	₹1,453.29 ↑ 0.74 (0.05 %)
Net Assets (Cr)	₹6,693 on 31 Dec 25
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.22
Information Ratio	0.45
Alpha Ratio	-5.39
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 ₹470,047.
Net Profit of ₹170,047 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 30 Jan 26

Duration	Returns
1 Month	-2.1%
3 Month	-4.1%
6 Month	-1.8%
1 Year	5.8%
3 Year	18.3%
5 Year	17.9%
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	9.67 Yr.
Rajasa Kakulavarapu	1 Dec 23	2.09 Yr.

Data below for Franklin India Taxshield as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	32.3%
Industrials	13.24%
Consumer Cyclical	10.54%
Technology	8.94%
Consumer Defensive	6.14%
Basic Materials	5.41%
Health Care	5.31%
Utility	4.82%
Communication Services	4.63%
Energy	3.46%
Real Estate	1.48%

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	96.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	10%	₹646 Cr	6,520,834
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532174	7%	₹443 Cr	3,297,903
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹361 Cr	883,853
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	5%	₹315 Cr	2,477,634
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	5%	₹310 Cr	1,471,571
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	5%	₹303 Cr	1,876,441 ↓ -46,300
State Bank of India (Financial Services) Equity, Since 31 Aug 15 \| SBIN	4%	₹278 Cr	2,833,344
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 21 \| HCLTECH	4%	₹237 Cr	1,462,587
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹231 Cr	1,472,922
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Nov 17 \| KOTAKBANK	3%	₹219 Cr	996,211

4. 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 (₹1,402 Cr).
Established history (16+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 17.47% (upper mid).
3Y return: 17.78% (lower mid).
1Y return: 5.25% (bottom quartile).
Alpha: -10.85 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.01 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Vedanta Ltd (~6.1%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (30 Jan 26)	₹158.44 ↓ -0.97 (-0.61 %)
Net Assets (Cr)	₹1,402 on 31 Dec 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.36
Information Ratio	0.01
Alpha Ratio	-10.85
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 ₹470,047.
Net Profit of ₹170,047 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 30 Jan 26

Duration	Returns
1 Month	-0.6%
3 Month	-2.9%
6 Month	-0.8%
1 Year	5.3%
3 Year	17.8%
5 Year	17.5%
10 Year
15 Year
Since launch	17.7%

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	3.69 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	23.53%
Industrials	17.78%
Basic Materials	17.52%
Consumer Cyclical	8.52%
Utility	6.18%
Consumer Defensive	6.04%
Technology	5.74%
Communication Services	3.53%
Energy	2.52%
Health Care	2%
Real Estate	1.48%

Asset Allocation

Asset Class	Value
Cash	5.18%
Equity	94.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| 500295	6%	₹85 Cr	1,412,000
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	5%	₹65 Cr	664,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532174	4%	₹54 Cr	405,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	4%	₹49 Cr	235,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	3%	₹46 Cr	105,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| ITC	3%	₹45 Cr	1,120,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	3%	₹43 Cr	437,532
Ambuja Cements Ltd (Basic Materials) Equity, Since 31 Mar 25 \| 500425	3%	₹38 Cr	685,662
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	3%	₹38 Cr	221,000 ↓ -29,000
HEG Ltd (Industrials) Equity, Since 31 Dec 22 \| HEG	3%	₹36 Cr	580,000

5. 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 (₹226 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.46% (lower mid).
3Y return: 19.50% (upper mid).
1Y return: 4.37% (bottom quartile).
Alpha: -4.83 (upper mid).
Sharpe: -0.15 (upper mid).
Information ratio: 0.65 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~4.3%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (30 Jan 26)	₹47.3441 ↑ 0.16 (0.35 %)
Net Assets (Cr)	₹226 on 31 Dec 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.15
Information Ratio	0.65
Alpha Ratio	-4.83
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 ₹470,047.
Net Profit of ₹170,047 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 30 Jan 26

Duration	Returns
1 Month	-4.5%
3 Month	-6.4%
6 Month	-1.8%
1 Year	4.4%
3 Year	19.5%
5 Year	17.5%
10 Year
15 Year
Since launch	9.1%

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	1.25 Yr.
Asit Bhandarkar	31 Dec 21	4.01 Yr.
Ruchi Fozdar	4 Oct 24	1.24 Yr.
Deepak Gupta	11 Apr 25	0.73 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	28.22%
Consumer Cyclical	14.93%
Technology	11.54%
Industrials	10.99%
Health Care	9.41%
Basic Materials	9.14%
Consumer Defensive	3.95%
Energy	3.7%
Real Estate	3.67%
Communication Services	2.37%

Asset Allocation

Asset Class	Value
Cash	2.08%
Equity	97.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹10 Cr	98,262
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	4%	₹8 Cr	53,400
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	4%	₹8 Cr	19,647
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| MARUTI	3%	₹7 Cr	3,956
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| 532174	3%	₹7 Cr	48,500 ↓ -7,500
Max Financial Services Ltd (Financial Services) Equity, Since 31 May 25 \| 500271	3%	₹6 Cr	36,400
Travel Food Services Ltd (Consumer Cyclical) Equity, Since 31 Jul 25 \| TRAVELFOOD	3%	₹6 Cr	49,598 ↑ 11,107
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹6 Cr	43,800 ↓ -3,700
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	2%	₹6 Cr	31,195
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	2%	₹5 Cr	25,450

6. 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★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (lower mid).
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 (bottom 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 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 30 Jan 26

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

7. 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 (₹6,452 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.44% (bottom quartile).
3Y return: 16.01% (bottom quartile).
1Y return: 6.92% (upper mid).
Alpha: -5.73 (lower mid).
Sharpe: -0.19 (lower mid).
Information ratio: -0.35 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~9.2%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (30 Jan 26)	₹114.888 ↓ -0.03 (-0.03 %)
Net Assets (Cr)	₹6,452 on 31 Dec 25
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.19
Information Ratio	-0.35
Alpha Ratio	-5.73
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 ₹458,689.
Net Profit of ₹158,689 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 30 Jan 26

Duration	Returns
1 Month	-1.2%
3 Month	-2.5%
6 Month	-0.7%
1 Year	6.9%
3 Year	16%
5 Year	16.4%
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	10.36 Yr.

Data below for Kotak Tax Saver Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	31.7%
Consumer Cyclical	12.48%
Industrials	10.08%
Basic Materials	9.84%
Technology	9.66%
Energy	7.28%
Consumer Defensive	5.02%
Health Care	4.96%
Communication Services	4.49%
Utility	3.66%

Asset Allocation

Asset Class	Value
Cash	0.85%
Equity	99.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	9%	₹595 Cr	6,000,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹309 Cr	3,150,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	5%	₹309 Cr	2,300,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	4%	₹248 Cr	1,180,000
Infosys Ltd (Technology) Equity, Since 31 Dec 05 \| INFY	3%	₹223 Cr	1,378,553 ↓ -85,327
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 13 \| 532215	3%	₹216 Cr	1,700,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹215 Cr	1,350,000
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 29 Feb 24 \| HINDPETRO	3%	₹187 Cr	3,750,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| HEROMOTOCO	3%	₹173 Cr	300,000
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| 500825	3%	₹172 Cr	285,000

8. ICICI Prudential Long Term Equity Fund (Tax Saving)

To generate long-term capital appreciation through investments made primarily in equity and equity related securities of companies.

Research Highlights for ICICI Prudential Long Term Equity Fund (Tax Saving)

Highest AUM (₹14,769 Cr).
Established history (26+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.17% (bottom quartile).
3Y return: 16.33% (lower mid).
1Y return: 9.72% (top quartile).
Alpha: 2.20 (top quartile).
Sharpe: 0.36 (top quartile).
Information ratio: -0.08 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~7.6%).

Below is the key information for ICICI Prudential Long Term Equity Fund (Tax Saving)

ICICI Prudential Long Term Equity Fund (Tax Saving) Growth
Launch Date	19 Aug 99
NAV (30 Jan 26)	₹929.76 ↑ 0.94 (0.10 %)
Net Assets (Cr)	₹14,769 on 31 Dec 25
Category	Equity - ELSS
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	0.36
Information Ratio	-0.08
Alpha Ratio	2.2
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	₹13,533
31 Jan 23	₹13,498
31 Jan 24	₹17,398
31 Jan 25	₹19,494
31 Jan 26	₹21,154

ICICI Prudential Long Term Equity Fund (Tax Saving) 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 ICICI Prudential Long Term Equity Fund (Tax Saving)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	-2.5%
3 Month	-3.9%
6 Month	-0.1%
1 Year	9.7%
3 Year	16.3%
5 Year	16.2%
10 Year
15 Year
Since launch	18.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.9%
2023	16.4%
2022	23.2%
2021	2.3%
2020	33.7%
2019	13.6%
2018	8.8%
2017	0.5%
2016	26%
2015	3.9%

Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)

Name	Since	Tenure
Mittul Kalawadia	18 Sep 23	2.29 Yr.
Sharmila D’mello	31 Jul 22	3.42 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	28.28%
Consumer Cyclical	17.28%
Health Care	12.05%
Industrials	8.3%
Energy	7.54%
Consumer Defensive	5.71%
Basic Materials	4.77%
Technology	4.36%
Utility	4.17%
Communication Services	4.01%
Real Estate	1.43%

Asset Allocation

Asset Class	Value
Cash	1.97%
Equity	97.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| 532174	8%	₹1,124 Cr	8,371,978
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 17 \| HDFCBANK	7%	₹1,026 Cr	10,347,868
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 17 \| SUNPHARMA	6%	₹878 Cr	5,105,969
Reliance Industries Ltd (Energy) Equity, Since 31 May 20 \| RELIANCE	6%	₹866 Cr	5,513,578
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	6%	₹828 Cr	6,522,478
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 18 \| LT	5%	₹669 Cr	1,638,689
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 29 Feb 20 \| 540376	4%	₹637 Cr	1,683,535
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 28 Feb 18 \| MARUTI	4%	₹621 Cr	371,642 ↓ -10,000
NTPC Ltd (Utilities) Equity, Since 31 Oct 23 \| 532555	4%	₹596 Cr	18,088,290
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| 532343	4%	₹583 Cr	1,567,366

ELSS SIP கால்குலேட்டர்

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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