ELSS کیلکولیٹر

ای ایل ایس ایس ایک اوپن اینڈ ایکویٹی ہے۔مشترکہ فنڈ جو نہ صرف ٹیکس بچانے کے مقاصد کے لیے بہترین ہے بلکہ آپ کی سرمایہ کاری کے لیے ترقی کا موقع بھی پیدا کرتا ہے۔ ان اسکیموں کو حکومت ہند نے لوگوں میں طویل مدتی سرمایہ کاری کی عادت ڈالنے کے لیے فروغ دیا ہے۔ جیسا کہ نام سے ظاہر ہے، ایکویٹی لنکڈ سیونگ اسکیموں میں فنڈ کا بڑا حصہ سرمایہ کاری کیا جاتا ہے۔ایکوئٹیز یا ایکویٹی سے متعلق مصنوعات۔ جب آپ ایکویٹی سرمایہ کاری کرنے کا منصوبہ بناتے ہیں تو اس سے پہلے کی سرمایہ کاری کی کارکردگی کا تعین کرنا ایک دانشمندانہ فیصلہ ہے۔سرمایہ کاری. یہ ایک ٹول کے ذریعے کیا جا سکتا ہے جسے ELSS کیلکولیٹر کہا جاتا ہے۔

ELSS کیلکولیٹر کیا ہے؟

ELSS کیلکولیٹر ایک انتہائی مددگار ٹول ہے جو ELSS سکیم میں بہترین سرمایہ کاری کے انتخاب کے حوالے سے صحیح فیصلے کرنے میں آپ کی مدد کرنے میں اہم کردار ادا کرتا ہے۔ T=آپ اندازہ کر سکیں گے کہ سرمایہ کاری کتنی مؤثر ہوگی یا نہیں۔ آپ کی منتخب کردہ اسکیم کی قسم پر منحصر ہے، بہت سے ELSS کیلکولیٹر ہیں جن کا آپ استعمال کر سکتے ہیں۔

ELSS کیلکولیٹر: SIP کام کی ماضی کی کارکردگی؟

ماضی کی کارکردگیگھونٹ کیلکولیٹر آپ کی تاریخی کارکردگی پر بصیرت فراہم کرنے کا ایک اہم ذریعہ ہے۔گھونٹ. کیلکولیٹر کچھ تفصیلات کو مدنظر رکھتا ہے جیسے:

مندرجہ بالا تفصیلات کے ساتھ، ایک ELSS SIP ماضی کی کارکردگی کیلکولیٹر اس بات کا تخمینہ تیار کرے گا کہ آپ کی SIP سرمایہ کاری کی میچورٹی کے وقت کتنی قیمت ہوگی۔ اس طرح کی تشخیص اس بات کا تعین کرنے کا ایک اچھا ذریعہ ہے کہ فنڈ مختلف کے دوران کیسی کارکردگی کا مظاہرہ کرتا ہے۔مارکیٹ سائیکل طویل مدتی کارکردگی یہ اندازہ لگانے کے لیے بھی ایک اچھی بصیرت ہے کہ مستقبل کے امکانات کے لحاظ سے فنڈ کہاں جا رہا ہے۔ اگرچہ یہ واضح کرنا ضروری ہے کہ ماضی کی کارکردگی مستقبل میں واپسی کی کوئی ضمانت نہیں ہے، تاہم وہ یہ بتا کر مدد کرتے ہیں کہ مارکیٹ کے منفی حالات کے دوران فنڈ کیسے برقرار رہا۔

سرفہرست ELSS فنڈز

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 (₹4,747 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.29% (upper mid).
3Y return: 10.66% (bottom quartile).
1Y return: 3.29% (lower mid).
Alpha: 6.01 (top quartile).
Sharpe: 0.40 (lower mid).
Information ratio: 0.18 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Bharti Airtel Ltd (~5.4%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (28 Sep 26)	₹45.1806 ↓ -0.73 (-1.58 %)
Net Assets (Cr)	₹4,747 on 31 Aug 26
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0.4
Information Ratio	0.18
Alpha Ratio	6.01
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,797
31 Aug 23	₹12,310
31 Aug 24	₹16,917
31 Aug 25	₹15,967
31 Aug 26	₹17,843

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 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 28 Sep 26

Duration	Returns
1 Month	-5.5%
3 Month	-1.8%
6 Month	8.5%
1 Year	3.3%
3 Year	10.7%
5 Year	10.3%
10 Year
15 Year
Since launch	13.4%

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	4.71 Yr.

Data below for Tata India Tax Savings Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Financial Services	35.22%
Industrials	17.22%
Consumer Cyclical	13.15%
Health Care	6.74%
Communication Services	5.44%
Energy	4.66%
Basic Materials	4.52%
Technology	3.12%
Utility	2.38%
Real Estate	2.26%
Consumer Defensive	1.57%

Asset Allocation

Asset Class	Value
Cash	3.73%
Equity	96.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 26 \| BHARTIARTL	5%	₹258 Cr	1,426,428
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	5%	₹238 Cr	1,639,000
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	5%	₹228 Cr	3,210,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹216 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹172 Cr	1,350,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹154 Cr	9,000,000 ↓ -850,000
PB Fintech Ltd (Financial Services) Equity, Since 28 Feb 26 \| POLICYBZR	3%	₹153 Cr	814,850
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹142 Cr	352,147
Pricol Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| PRICOLLTD	3%	₹135 Cr	1,682,941
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 30 Nov 25 \| MOTILALOFS	3%	₹128 Cr	1,231,123

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

Upper mid 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% (upper mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (bottom 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 28 Sep 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

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

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 28 Sep 26

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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. BNP Paribas Long Term Equity Fund (ELSS)

The investment objective of the Scheme is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent fromtime to time. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for BNP Paribas Long Term Equity Fund (ELSS)

Lower mid AUM (₹930 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.69% (bottom quartile).
3Y return: 12.87% (lower mid).
1Y return: 2.46% (bottom quartile).
Alpha: 4.29 (upper mid).
Sharpe: 0.33 (bottom quartile).
Information ratio: 0.81 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~3.9%).

Below is the key information for BNP Paribas Long Term Equity Fund (ELSS)

BNP Paribas Long Term Equity Fund (ELSS) Growth
Launch Date	5 Jan 06
NAV (28 Sep 26)	₹95.5746 ↓ -1.64 (-1.69 %)
Net Assets (Cr)	₹930 on 31 Aug 26
Category	Equity - ELSS
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.22
Sharpe Ratio	0.33
Information Ratio	0.81
Alpha Ratio	4.29
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹9,990
31 Aug 23	₹11,213
31 Aug 24	₹16,278
31 Aug 25	₹15,895
31 Aug 26	₹17,490

BNP Paribas Long Term Equity Fund (ELSS) 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 BNP Paribas Long Term Equity Fund (ELSS)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Sep 26

Duration	Returns
1 Month	-6.5%
3 Month	-2.5%
6 Month	7.1%
1 Year	2.5%
3 Year	12.9%
5 Year	9.7%
10 Year
15 Year
Since launch	11.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.8%
2024	23.6%
2023	31.3%
2022	-2.1%
2021	23.6%
2020	17.8%
2019	14.3%
2018	-9.3%
2017	42.3%
2016	-6.6%

Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)

Name	Since	Tenure
Silky Jain	1 Jul 26	0.17 Yr.
Yash Mehta	1 May 26	0.34 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Financial Services	27.9%
Consumer Cyclical	17.04%
Industrials	12.69%
Basic Materials	9.08%
Technology	8.13%
Health Care	8.02%
Consumer Defensive	4.26%
Energy	4.15%
Utility	2.75%
Communication Services	2.34%
Real Estate	0.53%

Asset Allocation

Asset Class	Value
Cash	3.09%
Equity	96.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	4%	₹36 Cr	250,000
State Bank of India (Financial Services) Equity, Since 31 Mar 22 \| SBIN	4%	₹34 Cr	318,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| TITAN	3%	₹28 Cr	55,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	3%	₹27 Cr	212,950
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 31 Jan 25 \| RADICO	3%	₹26 Cr	59,011
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| 532343	3%	₹26 Cr	60,500
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Nov 24 \| 500103	3%	₹26 Cr	580,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 20 \| LT	3%	₹24 Cr	60,000
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 31 May 26 \| EICHERMOT	3%	₹24 Cr	30,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	3%	₹24 Cr	335,000 ↓ -95,000

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