6 சிறப்பாகச் செயல்படும் வரிச் சேமிப்பு மியூச்சுவல் ஃபண்டுகள் 2022

Updated on October 30, 2026 , 4630 views

வரி சீசன் நெருங்கி வருவதால், முதலீடு செய்யும் முதலீட்டாளர்கள்ELSS எப்போதும் சிறப்பாகச் செயல்படும் நிதிகளைப் பாருங்கள்சந்தை. பல முதலீட்டாளர்கள் பலவற்றில் ஒரு நிதியைத் தேர்ந்தெடுப்பது கடினமாக இருப்பதால், ELSS பிரிவில் சில சிறந்த செயல்திறனாளர்களைப் பரிந்துரைக்க நாங்கள் இங்கு வந்துள்ளோம்.

முதலீட்டாளர்கள் இந்த நிதிகளில் முதலீடு செய்து ஒவ்வொரு ஆண்டும் 1.5 லட்சம் ரூபாய் வரை சேமிக்கலாம்பிரிவு 80C இன்வருமான வரி சட்டம் 1961. ELSS திட்டங்களுக்கு குறைந்தபட்சம் 3 ஆண்டுகள் லாக்-இன் காலம் உள்ளது. நாங்கள் பரிந்துரைக்கப்பட்ட சிறந்த வரிச் சேமிப்புபரஸ்பர நிதி AUM போன்ற சில முக்கியமான அளவுருக்களை மேற்கொள்வதன் மூலம் கவனமாக பட்டியலிடப்பட்டுள்ளது,இல்லை, கடந்த கால நிகழ்ச்சிகள் போன்றவை.

இதனால், முதலீட்டாளர்கள் தங்கள் வரிச் சேமிப்பை எளிதாகத் திட்டமிடலாம்முதலீடு இந்த நிதிகளில்.

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சிறப்பாக செயல்படும் வரி சேமிப்பு மியூச்சுவல் ஃபண்டுகள்

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Tata India Tax Savings Fund Growth	₹44.2698 ↑ 0.61	₹4,427	-6.3	-2.8	-4.7	10.4	9.1	4.9
Bandhan Tax Advantage (ELSS) Fund Growth	₹150.425 ↑ 1.98	₹6,596	-4.8	-1.4	-4.8	8.6	8.9	8
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
BOI AXA Tax Advantage Fund Growth	₹158.24 ↑ 2.04	₹1,366	-3.9	-4.1	-4.2	10.7	9.2	-3.5
Kotak Tax Saver Fund Growth	₹113.432 ↑ 1.94	₹6,071	-4.8	-0.6	-5.4	9.5	9.5	1.8
Invesco India Tax Plan Growth	₹121 ↑ 1.60	₹2,598	-4.2	2.9	-7.4	10.1	7.2	-2.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Nov 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Tata India Tax Savings Fund	Bandhan Tax Advantage (ELSS) Fund	HDFC Long Term Advantage Fund	BOI AXA Tax Advantage Fund	Kotak Tax Saver Fund	Invesco India Tax Plan
Point 1	Upper mid AUM (₹4,427 Cr).	Highest AUM (₹6,596 Cr).	Bottom quartile AUM (₹1,318 Cr).	Bottom quartile AUM (₹1,366 Cr).	Upper mid AUM (₹6,071 Cr).	Lower mid AUM (₹2,598 Cr).
Point 2	Established history (12+ yrs).	Established history (17+ yrs).	Oldest track record among peers (25 yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (19+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (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.
Point 5	5Y return: 9.09% (lower mid).	5Y return: 8.86% (bottom quartile).	5Y return: 17.39% (top quartile).	5Y return: 9.19% (upper mid).	5Y return: 9.49% (upper mid).	5Y return: 7.18% (bottom quartile).
Point 6	3Y return: 10.44% (upper mid).	3Y return: 8.64% (bottom quartile).	3Y return: 20.64% (top quartile).	3Y return: 10.70% (upper mid).	3Y return: 9.49% (bottom quartile).	3Y return: 10.08% (lower mid).
Point 7	1Y return: -4.70% (upper mid).	1Y return: -4.81% (lower mid).	1Y return: 35.51% (top quartile).	1Y return: -4.24% (upper mid).	1Y return: -5.39% (bottom quartile).	1Y return: -7.38% (bottom quartile).
Point 8	Alpha: 4.83 (top quartile).	Alpha: 0.58 (bottom quartile).	Alpha: 1.75 (upper mid).	Alpha: 3.41 (upper mid).	Alpha: 1.21 (lower mid).	Alpha: 1.15 (bottom quartile).
Point 9	Sharpe: -0.06 (upper mid).	Sharpe: -0.30 (bottom quartile).	Sharpe: 2.27 (top quartile).	Sharpe: -0.11 (upper mid).	Sharpe: -0.24 (lower mid).	Sharpe: -0.27 (bottom quartile).
Point 10	Information ratio: 0.25 (top quartile).	Information ratio: -0.66 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.14 (upper mid).	Information ratio: -0.11 (lower mid).	Information ratio: 0.21 (upper mid).

Tata India Tax Savings Fund

Upper mid AUM (₹4,427 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.09% (lower mid).
3Y return: 10.44% (upper mid).
1Y return: -4.70% (upper mid).
Alpha: 4.83 (top quartile).
Sharpe: -0.06 (upper mid).
Information ratio: 0.25 (top quartile).

Bandhan Tax Advantage (ELSS) Fund

Highest AUM (₹6,596 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 8.86% (bottom quartile).
3Y return: 8.64% (bottom quartile).
1Y return: -4.81% (lower mid).
Alpha: 0.58 (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: -0.66 (bottom quartile).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
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 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

BOI AXA Tax Advantage Fund

Bottom quartile AUM (₹1,366 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.19% (upper mid).
3Y return: 10.70% (upper mid).
1Y return: -4.24% (upper mid).
Alpha: 3.41 (upper mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.14 (upper mid).

Kotak Tax Saver Fund

Upper mid AUM (₹6,071 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.49% (upper mid).
3Y return: 9.49% (bottom quartile).
1Y return: -5.39% (bottom quartile).
Alpha: 1.21 (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: -0.11 (lower mid).

Invesco India Tax Plan

Lower mid AUM (₹2,598 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.18% (bottom quartile).
3Y return: 10.08% (lower mid).
1Y return: -7.38% (bottom quartile).
Alpha: 1.15 (bottom quartile).
Sharpe: -0.27 (bottom quartile).
Information ratio: 0.21 (upper mid).

*1000 கோடி முதல் 10 வரையிலான நிகர சொத்துக்களைக் கொண்ட வரிச் சேமிப்பு மியூச்சுவல் ஃபண்டுகளின் பட்டியல்,000 கோடிகள்.

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

Upper mid AUM (₹4,427 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.09% (lower mid).
3Y return: 10.44% (upper mid).
1Y return: -4.70% (upper mid).
Alpha: 4.83 (top quartile).
Sharpe: -0.06 (upper mid).
Information ratio: 0.25 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Bharti Airtel Ltd (~5.7%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (02 Nov 26)	₹44.2698 ↑ 0.61 (1.40 %)
Net Assets (Cr)	₹4,427 on 30 Sep 26
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.06
Information Ratio	0.25
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 Oct 21	₹10,000
31 Oct 22	₹10,486
31 Oct 23	₹11,447
31 Oct 24	₹15,710
31 Oct 25	₹16,093
31 Oct 26	₹15,448

Tata India Tax Savings 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 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 2 Nov 26

Duration	Returns
1 Month	-2.6%
3 Month	-6.3%
6 Month	-2.8%
1 Year	-4.7%
3 Year	10.4%
5 Year	9.1%
10 Year
15 Year
Since launch	13%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.9%
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%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.79 Yr.

Data below for Tata India Tax Savings Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Financial Services	34.96%
Industrials	17.33%
Consumer Cyclical	13.41%
Health Care	6.87%
Communication Services	5.66%
Basic Materials	5.05%
Energy	4.78%
Technology	3.01%
Real Estate	2.62%
Utility	2.52%
Consumer Defensive	1.63%

Asset Allocation

Asset Class	Value
Cash	2.15%
Equity	97.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	6%	₹251 Cr	1,426,428
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	5%	₹227 Cr	3,210,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	5%	₹217 Cr	1,639,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹196 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹160 Cr	1,350,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹147 Cr	9,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹132 Cr	352,147
Pricol Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| PRICOLLTD	3%	₹126 Cr	1,682,941
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 30 Nov 25 \| MOTILALOFS	3%	₹122 Cr	1,231,123
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹111 Cr	3,451,000

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

Highest AUM (₹6,596 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 8.86% (bottom quartile).
3Y return: 8.64% (bottom quartile).
1Y return: -4.81% (lower mid).
Alpha: 0.58 (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: -0.66 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~8.4%).

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

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (02 Nov 26)	₹150.425 ↑ 1.98 (1.33 %)
Net Assets (Cr)	₹6,596 on 30 Sep 26
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	-0.3
Information Ratio	-0.66
Alpha Ratio	0.58
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,467
31 Oct 23	₹11,922
31 Oct 24	₹15,457
31 Oct 25	₹16,058
31 Oct 26	₹15,285

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 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 2 Nov 26

Duration	Returns
1 Month	0.1%
3 Month	-4.8%
6 Month	-1.4%
1 Year	-4.8%
3 Year	8.6%
5 Year	8.9%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8%
2024	13.1%
2023	28.3%
2022	4.2%
2021	49.2%
2020	18.7%
2019	1.9%
2018	-9.4%
2017	53.4%
2016	0.4%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.95 Yr.
Ritika Behera	7 Oct 23	2.99 Yr.
Gaurav Satra	10 Jun 24	2.31 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Financial Services	36.86%
Consumer Defensive	9.95%
Technology	8.36%
Energy	7.83%
Consumer Cyclical	7.52%
Health Care	7.13%
Basic Materials	6.72%
Industrials	4.15%
Communication Services	2.66%
Real Estate	1.96%
Utility	1.88%

Asset Allocation

Asset Class	Value
Cash	4.97%
Equity	95.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹556 Cr	7,850,000 ↑ 250,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	7%	₹438 Cr	10,500,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	6%	₹404 Cr	3,400,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹357 Cr	2,700,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹256 Cr	1,250,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	3%	₹196 Cr	1,600,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹189 Cr	1,900,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	3%	₹176 Cr	1,000,000 ↑ 50,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| MARUTI	3%	₹174 Cr	145,000 ↑ 10,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Dec 22 \| ITC	3%	₹171 Cr	6,500,000 ↑ 300,000

3. 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).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
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 (upper mid).
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

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 2 Nov 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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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

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

Bottom quartile AUM (₹1,366 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.19% (upper mid).
3Y return: 10.70% (upper mid).
1Y return: -4.24% (upper mid).
Alpha: 3.41 (upper mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.14 (upper mid).
Higher exposure to Industrials vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~5.0%).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (02 Nov 26)	₹158.24 ↑ 2.04 (1.31 %)
Net Assets (Cr)	₹1,366 on 30 Sep 26
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.97
Sharpe Ratio	-0.12
Information Ratio	0.14
Alpha Ratio	3.41
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,103
31 Oct 23	₹11,464
31 Oct 24	₹16,713
31 Oct 25	₹16,131
31 Oct 26	₹15,524

BOI AXA Tax 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 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 2 Nov 26

Duration	Returns
1 Month	-2.8%
3 Month	-3.9%
6 Month	-4.1%
1 Year	-4.2%
3 Year	10.7%
5 Year	9.2%
10 Year
15 Year
Since launch	16.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-3.5%
2024	21.6%
2023	34.8%
2022	-1.3%
2021	41.5%
2020	31.2%
2019	14.6%
2018	-16.3%
2017	57.7%
2016	-1.2%

Fund Manager information for BOI AXA Tax Advantage Fund

Name	Since	Tenure
Alok Singh	27 Apr 22	4.43 Yr.

Data below for BOI AXA Tax Advantage Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Industrials	22.44%
Financial Services	22.21%
Basic Materials	11.44%
Consumer Cyclical	8.63%
Consumer Defensive	5.08%
Utility	4.27%
Technology	3.45%
Health Care	3.4%
Communication Services	3.21%
Energy	1.95%
Real Estate	0.12%

Asset Allocation

Asset Class	Value
Cash	11.85%
Equity	88.02%
Debt	0.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	5%	₹69 Cr	715,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	4%	₹58 Cr	440,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	4%	₹51 Cr	110,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 24 \| BHARTIARTL	3%	₹44 Cr	250,000
Quality Power Electrical Equipments Ltd (Industrials) Equity, Since 31 Jul 25 \| QPOWER	3%	₹43 Cr	272,000 ↓ -52,293
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 30 Apr 25 \| ADANIPORTS	3%	₹40 Cr	224,000
UNO Minda Ltd (Consumer Cyclical) Equity, Since 31 Aug 22 \| UNOMINDA	3%	₹39 Cr	330,439
Balrampur Chini Mills Ltd (Consumer Defensive) Equity, Since 30 Apr 22 \| BALRAMCHIN	3%	₹38 Cr	579,622
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 31 Oct 24 \| DRREDDY	3%	₹38 Cr	311,000
LG Electronics India Ltd (Technology) Equity, Since 31 Dec 25 \| LGEINDIA	3%	₹37 Cr	217,000

5. 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 (₹6,071 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.49% (upper mid).
3Y return: 9.49% (bottom quartile).
1Y return: -5.39% (bottom quartile).
Alpha: 1.21 (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: -0.11 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~7.0%).

Below is the key information for Kotak Tax Saver Fund

Kotak Tax Saver Fund Growth
Launch Date	23 Nov 05
NAV (02 Nov 26)	₹113.432 ↑ 1.94 (1.74 %)
Net Assets (Cr)	₹6,071 on 30 Sep 26
Category	Equity - ELSS
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.25
Information Ratio	-0.11
Alpha Ratio	1.21
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,743
31 Oct 23	₹11,973
31 Oct 24	₹16,277
31 Oct 25	₹16,514
31 Oct 26	₹15,736

Kotak Tax Saver 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 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 2 Nov 26

Duration	Returns
1 Month	-1.6%
3 Month	-4.8%
6 Month	-0.6%
1 Year	-5.4%
3 Year	9.5%
5 Year	9.5%
10 Year
15 Year
Since launch	12.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	1.8%
2024	21.8%
2023	23.6%
2022	6.9%
2021	33.2%
2020	14.9%
2019	12.7%
2018	-3.8%
2017	33.8%
2016	7.5%

Fund Manager information for Kotak Tax Saver Fund

Name	Since	Tenure
Harsha Upadhyaya	25 Aug 15	11.11 Yr.

Data below for Kotak Tax Saver Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Financial Services	30.83%
Industrials	13.71%
Consumer Cyclical	13.52%
Health Care	10.95%
Basic Materials	8.17%
Technology	7.16%
Communication Services	4.33%
Energy	3.77%
Consumer Defensive	3.29%
Utility	2.76%

Asset Allocation

Asset Class	Value
Cash	1.51%
Equity	98.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	7%	₹425 Cr	6,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹304 Cr	2,300,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	5%	₹302 Cr	3,150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	3%	₹211 Cr	1,200,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| ETERNAL	3%	₹192 Cr	6,000,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 23 \| 532755	3%	₹183 Cr	1,200,000
NTPC Ltd (Utilities) Equity, Since 30 Sep 22 \| 532555	3%	₹168 Cr	5,200,000
Divi's Laboratories Ltd (Healthcare) Equity, Since 31 May 25 \| DIVISLAB	3%	₹163 Cr	175,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| HEROMOTOCO	3%	₹157 Cr	300,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 May 26 \| DIXON	3%	₹157 Cr	120,000 ↑ 30,000

6. Invesco India Tax Plan

The investment objective of the Scheme is to generate long term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

Research Highlights for Invesco India Tax Plan

Lower mid AUM (₹2,598 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.18% (bottom quartile).
3Y return: 10.08% (lower mid).
1Y return: -7.38% (bottom quartile).
Alpha: 1.15 (bottom quartile).
Sharpe: -0.27 (bottom quartile).
Information ratio: 0.21 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~5.0%).

Below is the key information for Invesco India Tax Plan

Invesco India Tax Plan Growth
Launch Date	29 Dec 06
NAV (02 Nov 26)	₹121 ↑ 1.60 (1.34 %)
Net Assets (Cr)	₹2,598 on 30 Sep 26
Category	Equity - ELSS
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.88
Sharpe Ratio	-0.27
Information Ratio	0.21
Alpha Ratio	1.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹9,383
31 Oct 23	₹10,552
31 Oct 24	₹14,944
31 Oct 25	₹15,125
31 Oct 26	₹14,145

Invesco India Tax Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for Invesco India Tax Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Nov 26

Duration	Returns
1 Month	-1.9%
3 Month	-4.2%
6 Month	2.9%
1 Year	-7.4%
3 Year	10.1%
5 Year	7.2%
10 Year
15 Year
Since launch	13.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-2.8%
2024	25.2%
2023	30.9%
2022	-7.7%
2021	32.6%
2020	19.2%
2019	9.4%
2018	-1.3%
2017	35.7%
2016	3.4%

Fund Manager information for Invesco India Tax Plan

Name	Since	Tenure
Deepesh Kashyap	1 Jul 25	1.25 Yr.

Data below for Invesco India Tax Plan as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Financial Services	29%
Consumer Cyclical	19.74%
Industrials	14.94%
Health Care	10.45%
Technology	6.76%
Real Estate	6.23%
Basic Materials	5.58%
Consumer Defensive	2.96%
Communication Services	1.78%
Energy	0.87%

Asset Allocation

Asset Class	Value
Cash	1.68%
Equity	98.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| HDFCBANK	5%	₹131 Cr	1,850,471 ↑ 169,774
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| ICICIBANK	4%	₹92 Cr	697,836
Jyoti CNC Automation Ltd (Industrials) Equity, Since 30 Jun 24 \| JYOTICNC	3%	₹65 Cr	626,452 ↓ -56,018
Divi's Laboratories Ltd (Healthcare) Equity, Since 31 Jan 24 \| DIVISLAB	2%	₹57 Cr	61,507
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| 532215	2%	₹55 Cr	447,024
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| ETERNAL	2%	₹53 Cr	1,665,262
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 25 \| INDIGO	2%	₹53 Cr	105,638
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| KOTAKBANK	2%	₹51 Cr	1,222,115 ↑ 132,265
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Apr 25 \| MCX	2%	₹50 Cr	151,060
Mrs Bectors Food Specialities Ltd Ordinary Shares (Consumer Defensive) Equity, Since 30 Sep 24 \| BECTORFOOD	2%	₹49 Cr	2,362,900

ஈக்விட்டி இணைக்கப்பட்ட சேமிப்பு திட்டத்தில் வரி சேமிப்பு

ELSS உடன் மற்றும் இல்லாமல் வரி சேமிப்புகளை ஒப்பிட்டு வரி பலன்களை பார்க்கலாம்:

விவரங்கள்	வரி திட்டமிடல் (ELSS)	வரி திட்டமிடல் இல்லை
மொத்த மொத்தம்வருமானம்	8,00,000	8,00,000
வரி விதிப்பில் இருந்து விலக்கு	1,50,000	இல்லை
மொத்தம்வரி விதிக்கக்கூடிய வருமானம்	6,50,000	8,00,000
செலுத்த வேண்டிய வரி	32,500	62,500
சேமிக்கப்பட்ட தொகை	30,000	இல்லை

எனவே, ELSS இல் முதலீடு செய்வதன் மூலம் சேமிக்கப்படும் மொத்தத் தொகை INR 30,000 ஆகும்.

வரி சேமிப்பு மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்வதன் நன்மைகள்

வரிச் சலுகைகளுடன், ELSS உங்களுக்கு பின்வரும் நன்மைகளையும் வழங்குகிறது:

ஈக்விட்டி ரிட்டர்ன்ஸ்

ELSS என்பது ஈக்விட்டி மற்றும் வரிச் சேமிப்பு ஆகியவற்றின் கலவையாக இருப்பதால், பங்குச் சந்தை வளரும்போது நீங்கள் முதலீடு செய்யும் பணமும் வளரும். எனவே, முதலீட்டாளர்கள் ஈக்விட்டி சந்தையிலிருந்தும் வருமானம் ஈட்டலாம். எனவே, ELSS என்பது நீண்ட கால செல்வத்தை உருவாக்குவதற்கான ஒரு வழியாகும்.

SIP நன்மைகள்

மொத்தத் தொகையை முதலீடு செய்வதற்குப் பதிலாக, முதலீட்டாளர்கள் மாதந்தோறும் முதலீடு செய்வதன் மூலம் எளிதான வழியைத் தேர்வு செய்யலாம்எஸ்ஐபி. ஒரு SIP மூலம், ஒருவர் 500 ரூபாய் வரை குறைவாக முதலீடு செய்யலாம், இது முதலீட்டாளர்களுக்கு மிகவும் மலிவு வரி திட்டமிடல் மற்றும் முதலீட்டு வழி.

குறுகிய லாக்-இன் காலம்

ELSS இல் 3 ஆண்டுகள் லாக்-இன் காலம் உள்ளது, இது மற்ற அனைத்து வரி-சேமிப்புக் கருவிகளிலும் மிகக் குறுகிய லாக்-இன் காலம் ஆகும்.

ஆன்லைனில் ELSS நிதிகளில் முதலீடு செய்வது எப்படி?

Fincash.com இல் வாழ்நாள் முழுவதும் இலவச முதலீட்டுக் கணக்கைத் திறக்கவும்.

உங்கள் பதிவு மற்றும் KYC செயல்முறையை முடிக்கவும்

ஆவணங்களைப் பதிவேற்றவும் (PAN, ஆதார் போன்றவை).மேலும், நீங்கள் முதலீடு செய்ய தயாராக உள்ளீர்கள்!

தொடங்குங்கள்

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.