FY 22 - 23 కోసం టాప్ 5 ఉత్తమ పన్ను ఆదా ELSS మ్యూచువల్ ఫండ్‌లు

Updated on November 24, 2025 , 9368 views

బెస్ట్ ఎల్స్ ఫండ్స్ లేదా ఈక్విటీ లింక్డ్ సేవింగ్స్ స్కీములు (పన్ను ఆదా) ఈక్విటీ డైవర్సిఫైడ్మ్యూచువల్ ఫండ్స్ అందించడానికి ఈక్విటీ-లింక్డ్ ఇన్‌స్ట్రుమెంట్స్‌లో (షేర్లు మరియు స్టాక్‌లు వంటివి) ప్రధానంగా పెట్టుబడి పెట్టండిసంత-లింక్డ్ రిటర్న్స్. సాధారణంగా, ఫండ్ కార్పస్‌లో 80% ఈక్విటీలో మరియు మిగిలినది డెట్ సాధనాల్లో పెట్టుబడి పెట్టబడుతుంది.

ఉత్తమమైనదిELSS కింద పన్ను ప్రయోజనాలను అందిస్తున్నందున ఫండ్‌లను పన్ను ఆదా చేసే మ్యూచువల్ ఫండ్‌లు అని కూడా పిలుస్తారుసెక్షన్ 80C యొక్కఆదాయ పన్ను చట్టం అంతేకాకుండా, ELSS మ్యూచువల్ ఫండ్‌లు ఓపెన్-ఎండ్‌గా ఉంటాయి, అంటే పెట్టుబడిదారులు ఈ ఫండ్‌లలో తమకు కావలసినప్పుడు మరియు ఎప్పుడు సబ్‌స్క్రయిబ్ చేసుకోవచ్చు.

అయితే, ముందుపెట్టుబడి పెడుతున్నారు ఈ పన్ను ఆదా మ్యూచువల్ ఫండ్‌లలో, ఉత్తమమైన ELSS ఫండ్‌ల జాబితాను పరిగణించాలని సూచించబడింది.

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FY 22 - 23లో పెట్టుబడి పెట్టడానికి టాప్ 5 ELSS ఫండ్‌లు

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Tax Advantage Fund Growth	₹161.77 ↑ 1.66	₹1,417	3.6	1.8	-3.5	16.3	19.1	21.6
Mahindra Mutual Fund Kar Bachat Yojana Growth	₹29.4113 ↑ 0.35	₹970	3.9	4.1	6.7	14.4	18.8	12.3
Edelweiss Long Term Equity Fund Growth	₹116.11 ↑ 1.37	₹440	7.2	7.5	6.3	16.5	17.9	20
PGIM India Tax Savings Fund Growth	₹35.67 ↑ 0.45	₹782	2.6	3.5	5.1	12.4	17.6	15.6
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Tax Advantage Fund	Mahindra Mutual Fund Kar Bachat Yojana	Edelweiss Long Term Equity Fund	PGIM India Tax Savings Fund	HDFC Long Term Advantage Fund
Point 1	Highest AUM (₹1,417 Cr).	Lower mid AUM (₹970 Cr).	Bottom quartile AUM (₹440 Cr).	Bottom quartile AUM (₹782 Cr).	Upper mid AUM (₹1,318 Cr).
Point 2	Established history (16+ yrs).	Established history (9+ yrs).	Established history (16+ yrs).	Established history (9+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 3★ (upper mid).
Point 4	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: 18.76% (upper mid).	5Y return: 17.87% (lower mid).	5Y return: 17.63% (bottom quartile).	5Y return: 17.39% (bottom quartile).
Point 6	3Y return: 16.32% (lower mid).	3Y return: 14.44% (bottom quartile).	3Y return: 16.50% (upper mid).	3Y return: 12.35% (bottom quartile).	3Y return: 20.64% (top quartile).
Point 7	1Y return: -3.52% (bottom quartile).	1Y return: 6.69% (upper mid).	1Y return: 6.34% (lower mid).	1Y return: 5.10% (bottom quartile).	1Y return: 35.51% (top quartile).
Point 8	Alpha: -7.70 (bottom quartile).	Alpha: -0.49 (lower mid).	Alpha: -1.02 (bottom quartile).	Alpha: -0.35 (upper mid).	Alpha: 1.75 (top quartile).
Point 9	Sharpe: -0.37 (bottom quartile).	Sharpe: -0.02 (lower mid).	Sharpe: -0.04 (bottom quartile).	Sharpe: -0.01 (upper mid).	Sharpe: 2.27 (top quartile).
Point 10	Information ratio: 0.10 (top quartile).	Information ratio: -0.62 (bottom quartile).	Information ratio: -0.13 (upper mid).	Information ratio: -0.87 (bottom quartile).	Information ratio: -0.15 (lower mid).

BOI AXA Tax Advantage Fund

Highest AUM (₹1,417 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.13% (top quartile).
3Y return: 16.32% (lower mid).
1Y return: -3.52% (bottom quartile).
Alpha: -7.70 (bottom quartile).
Sharpe: -0.37 (bottom quartile).
Information ratio: 0.10 (top quartile).

Mahindra Mutual Fund Kar Bachat Yojana

Lower mid AUM (₹970 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.76% (upper mid).
3Y return: 14.44% (bottom quartile).
1Y return: 6.69% (upper mid).
Alpha: -0.49 (lower mid).
Sharpe: -0.02 (lower mid).
Information ratio: -0.62 (bottom quartile).

Edelweiss Long Term Equity Fund

Bottom quartile AUM (₹440 Cr).
Established history (16+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.87% (lower mid).
3Y return: 16.50% (upper mid).
1Y return: 6.34% (lower mid).
Alpha: -1.02 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: -0.13 (upper mid).

PGIM India Tax Savings Fund

Bottom quartile AUM (₹782 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.63% (bottom quartile).
3Y return: 12.35% (bottom quartile).
1Y return: 5.10% (bottom quartile).
Alpha: -0.35 (upper mid).
Sharpe: -0.01 (upper mid).
Information ratio: -0.87 (bottom quartile).

HDFC Long Term Advantage Fund

Upper mid AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom 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).

* ELSS పన్ను ఆదా చేసే మ్యూచువల్ ఫండ్‌ల జాబితా> నికర ఆస్తులు > 250 కోట్లు మరియు ఉత్తమమైనవిCAGR గత 5 సంవత్సరాలలో తిరిగి వస్తుంది

1. 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

Highest AUM (₹1,417 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.13% (top quartile).
3Y return: 16.32% (lower mid).
1Y return: -3.52% (bottom quartile).
Alpha: -7.70 (bottom quartile).
Sharpe: -0.37 (bottom quartile).
Information ratio: 0.10 (top quartile).

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (26 Nov 25)	₹161.77 ↑ 1.66 (1.04 %)
Net Assets (Cr)	₹1,417 on 31 Oct 25
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.09
Sharpe Ratio	-0.37
Information Ratio	0.1
Alpha Ratio	-7.7
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

BOI AXA Tax Advantage 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 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 26 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	3.6%
6 Month	1.8%
1 Year	-3.5%
3 Year	16.3%
5 Year	19.1%
10 Year
15 Year
Since launch	18.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	2.1%

Fund Manager information for BOI AXA Tax Advantage Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Mahindra Mutual Fund Kar Bachat Yojana

The investment objective of the Scheme is to generate long-term capital appreciation through a diversified portfolio of equity and equity related securities. The Scheme does not guarantee or assure any returns.

Research Highlights for Mahindra Mutual Fund Kar Bachat Yojana

Lower mid AUM (₹970 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.76% (upper mid).
3Y return: 14.44% (bottom quartile).
1Y return: 6.69% (upper mid).
Alpha: -0.49 (lower mid).
Sharpe: -0.02 (lower mid).
Information ratio: -0.62 (bottom quartile).

Below is the key information for Mahindra Mutual Fund Kar Bachat Yojana

Mahindra Mutual Fund Kar Bachat Yojana Growth
Launch Date	18 Oct 16
NAV (26 Nov 25)	₹29.4113 ↑ 0.35 (1.21 %)
Net Assets (Cr)	₹970 on 31 Oct 25
Category	Equity - ELSS
AMC	Mahindra Asset Management Company Pvt. Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.17
Sharpe Ratio	-0.02
Information Ratio	-0.62
Alpha Ratio	-0.49
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

Mahindra Mutual Fund Kar Bachat Yojana 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 Mahindra Mutual Fund Kar Bachat Yojana

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Nov 25

Duration	Returns
1 Month	0.9%
3 Month	3.9%
6 Month	4.1%
1 Year	6.7%
3 Year	14.4%
5 Year	18.8%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.3%
2023	25.8%
2022	2%
2021	39.4%
2020	14.1%
2019	4.5%
2018	-9.8%
2017	24.8%
2016
2015

Fund Manager information for Mahindra Mutual Fund Kar Bachat Yojana

Name	Since	Tenure

Data below for Mahindra Mutual Fund Kar Bachat Yojana as on 31 Oct 25

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Edelweiss Long Term Equity Fund

(Erstwhile Edelweiss ELSS Fund)

The primary objective of the scheme is to generate long-term capital appreciation with an option of periodic payouts at the end of lock in periods from a portfolio that invests predominantly in equity and equity related instruments.

Research Highlights for Edelweiss Long Term Equity Fund

Bottom quartile AUM (₹440 Cr).
Established history (16+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.87% (lower mid).
3Y return: 16.50% (upper mid).
1Y return: 6.34% (lower mid).
Alpha: -1.02 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: -0.13 (upper mid).

Below is the key information for Edelweiss Long Term Equity Fund

Edelweiss Long Term Equity Fund Growth
Launch Date	30 Dec 08
NAV (26 Nov 25)	₹116.11 ↑ 1.37 (1.19 %)
Net Assets (Cr)	₹440 on 31 Oct 25
Category	Equity - ELSS
AMC	Edelweiss Asset Management Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.34
Sharpe Ratio	-0.05
Information Ratio	-0.13
Alpha Ratio	-1.02
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

Edelweiss Long Term Equity 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 Edelweiss 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 26 Nov 25

Duration	Returns
1 Month	2.5%
3 Month	7.2%
6 Month	7.5%
1 Year	6.3%
3 Year	16.5%
5 Year	17.9%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20%
2023	26.8%
2022	-0.1%
2021	30.4%
2020	13.7%
2019	9.2%
2018	-9.1%
2017	37.7%
2016	-1.1%
2015	6.7%

Fund Manager information for Edelweiss Long Term Equity Fund

Name	Since	Tenure

Data below for Edelweiss Long Term Equity Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. PGIM India Tax Savings Fund

"The primary objective of the Scheme is to generate long-term capital appreciation by predominantly investing in equity & equity related instruments and to enable eligible investors to avail deduction from total income, as permitted under the Income Tax Act, 1961 as amended from time to time. However, there is no assurance that the investment objective shall be realize"

Research Highlights for PGIM India Tax Savings Fund

Bottom quartile AUM (₹782 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.63% (bottom quartile).
3Y return: 12.35% (bottom quartile).
1Y return: 5.10% (bottom quartile).
Alpha: -0.35 (upper mid).
Sharpe: -0.01 (upper mid).
Information ratio: -0.87 (bottom quartile).

Below is the key information for PGIM India Tax Savings Fund

PGIM India Tax Savings Fund Growth
Launch Date	11 Dec 15
NAV (26 Nov 25)	₹35.67 ↑ 0.45 (1.28 %)
Net Assets (Cr)	₹782 on 31 Oct 25
Category	Equity - ELSS
AMC	Pramerica Asset Managers Private Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.26
Sharpe Ratio	-0.01
Information Ratio	-0.87
Alpha Ratio	-0.35
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

PGIM India Tax Savings 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 PGIM 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 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.6%
6 Month	3.5%
1 Year	5.1%
3 Year	12.4%
5 Year	17.6%
10 Year
15 Year
Since launch	13.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.6%
2023	19.5%
2022	4.7%
2021	37.5%
2020	17.9%
2019	8.2%
2018	-6.4%
2017	39.3%
2016	1.7%
2015

Fund Manager information for PGIM India Tax Savings Fund

Name	Since	Tenure

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. 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

Upper mid AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom 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

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 26 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

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