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ELSS بمقابلہ ٹیکس سیونگ FD

Updated on August 10, 2025 , 8057 views

ایکویٹی سے منسلک بچت اسکیم (ELSS)

ای ایل ایس ایس واحد ہےمشترکہ فنڈ 80C کٹوتیوں کے لیے اہل۔ یہ ایک متنوع ایکویٹی میوچل فنڈ ہے جو روپے تک ٹیکس کٹوتیوں کی پیشکش کرتا ہے۔ 1.5 لاکھ سالانہ کے تحتسیکشن 80 سی کیانکم ٹیکس ایکٹ (آئی ٹی ایکٹ 1961)۔

ELSS

فروری بجٹ 2018 کے متعارف ہونے سے پہلے، اس کے ریٹرن مکمل طور پر ٹیکس سے پاک تھے۔ تاہم، اب یہ 10٪ طویل مدتی سے مشروط ہے۔سرمایہ منافع ٹیکس اگر آپ کےکیپٹل گینز روپے سے زیادہ ایک سال بعد ایک لاکھ۔ 10% ٹیکس کٹوتی کے بعد بھی، ELSS میں ٹیکس بچانے والے دیگر آلات کے مقابلے اعلیٰ منافع فراہم کرنے کی صلاحیت ہے۔ ELSS سرمایہ کاری کے مراعات صرف تک محدود نہیں ہیں۔ٹیکس محفوظ کر لیا دیکمپاؤنڈنگ کی طاقت اس بات کو یقینی بناتا ہے کہ اگر آپ 5 سال (ٹیکس کی بچت کی مدت) کے لیے سرمایہ کاری کرتے ہیں تو آپ کی سرمایہ کاری دوگنی ہو جاتی ہے۔ایف ڈی)۔ اس میں اضافہ کرنے کے لیے، کم از کم لاک ان مدت صرف 3 سال ہے۔

ٹیکس کی بچت فکسڈ ڈپازٹس

سرمایہ کاری بینکوں میں فکسڈ ڈپازٹ میں رقم افراد اور HUFs کو ٹیکس کا دعوی کرنے کی اجازت دیتی ہے۔کٹوتی روپے تک 1,50،000 ایک مالی سال میں. ان ڈپازٹس کا لاک ان پیریڈ 5 سال ہوتا ہے۔ تاہم، آپ اس ڈپازٹ کو وقت سے پہلے واپس نہیں لے سکتے۔ لیکن آپ مسابقتی شرحوں پر اپنی ایف ڈی کے خلاف قرض حاصل کر سکتے ہیں۔ تاہم، ان ڈپازٹس پر حاصل ہونے والا سود فرد کے ٹیکس کے قابل ٹیکس کی معمولی شرح ہے (ٹیکس بریکٹ کے مطابق)۔

ٹیکس سیور ایف ڈی کی جھلکیاں

Tax-saving-fd

آئیے کی اہم جھلکیاں دیکھتے ہیں۔ٹیکس بچانے والا ایف ڈی -

  • صرف افراد اور ممبرانہندو غیر منقسم خاندان (HUF) میں سرمایہ کاری کر سکتے ہیں۔ٹیکس بچانے والی ایف ڈی سکیم
  • ٹیکس سیور FD کی کم از کم سرمایہ کاری کی رقم مختلف ہوتی ہے۔بینک بینک کو
  • ٹیکس بچانے والی ایف ڈی کی لاک ان مدت پانچ سال ہے۔
  • آپ روپے تک ٹیکس کی کٹوتیاں حاصل کر سکتے ہیں۔ 1,50,000
  • قبل از وقت واپسی کا کوئی بندوبست نہیں ہے۔
  • آپ ان ٹیکس سیور ایف ڈی کے خلاف قرض کے لیے درخواست نہیں دے سکتے
  • ان ٹیکس سیور FDs میں سرمایہ کاری کسی بھی نجی یا پبلک سیکٹر کے بینک میں کی جا سکتی ہے (سوائے کوآپریٹو اور دیہی بینکوں کے)
  • میں کی گئی سرمایہ کاریڈاک خانہ پانچ سال سے زیادہ کی مدت کے لیے ٹائم ڈپازٹ بھی ٹیکس بچانے والی FD کے طور پر اہل ہے۔
  • آپ پوسٹ آفس ایف ڈی کو ایک پوسٹ آفس سے دوسرے پوسٹ آفس میں منتقل کر سکتے ہیں۔
  • اس قسم کی FD سے حاصل ہونے والا سود قابل ٹیکس ہے اور اسے ذریعہ سے کاٹا جائے گا۔
  • ٹیکس سیونگ ڈپازٹ اکاؤنٹ انفرادی اور مشترکہ طور پر کھولا جا سکتا ہے۔
  • مشترکہ اکاؤنٹ کی صورت میں، ٹیکس کا فائدہ مشترکہ اکاؤنٹ کے پہلے ہولڈر کو حاصل ہوگا۔

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ELSS بمقابلہ FD - موازنہ

مختلف پیرامیٹرز پر ELSS اور ٹیکس سیونگ FDs کے درمیان فرق کا ایک سرسری جائزہ یہ ہے:

پیرامیٹر ایف ڈی ای ایل ایس ایس
دور 5 سال کا لاک ان 3 سال کا لاک ان
واپسی 7.00 - 8.00 % (سالانہ مرکب) کوئی یقینی ڈیویڈنڈ نہیں / اس کے طور پر واپسیمارکیٹ عام طور پر 16 - 17٪ سالانہ کے ارد گرد منسلک
کم از کم سرمایہ کاری روپے 1000 روپے 500
زیادہ سے زیادہ سرمایہ کاری کوئی بالائی حد نہیں۔ کوئی بالائی حد نہیں۔
80c کے تحت کٹوتی کے لیے اہل رقم روپے 1.5 لاکھ روپے 1.5 لاکھ
سود/واپسی کے لیے ٹیکس قابل ٹیکس سود روپے تک کا فائدہ 1 لاکھ ٹیکس سے پاک ہیں۔ روپے سے اوپر کے منافع پر 10% ٹیکس لاگو ہوتا ہے۔ 1 لاکھ
حفاظت/درجہ بندی محفوظ تھوڑا خطرہ
لیکویڈیٹی آپ 5 سال سے پہلے ٹیکس بچانے والی ایف ڈی واپس نہیں لے سکتے آپ 3 سال کے بعد ELSS سے نکل سکتے ہیں یا نکال سکتے ہیں۔
آن لائن آپشن تمام بینک آن لائن پیش نہیں کرتے ہیں۔سہولت ایف ڈی کھولنے کے لیے کوئی ایک ELSS آن لائن شروع کر سکتا ہے – بطور یکمشت یاگھونٹ

ٹاپ ELSS میوچل فنڈز مالی سال 22 - 23

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Motilal Oswal Long Term Equity Fund Growth ₹50.4248
↑ 0.44
₹4,5065.211.10.223.825.247.7
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹4859.715.116.920.810
JM Tax Gain Fund Growth ₹47.4613
↑ 0.41
₹20925-5.918.622.829
Franklin India Taxshield Growth ₹1,455.26
↑ 9.75
₹6,883-0.96.6-0.418.423.522.4
BNP Paribas Long Term Equity Fund (ELSS) Growth ₹94.1545
↑ 0.62
₹93427.32.316.918.423.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryMotilal Oswal Long Term Equity FundIDBI Equity Advantage FundJM Tax Gain FundFranklin India TaxshieldBNP Paribas Long Term Equity Fund (ELSS)
Point 1Upper mid AUM (₹4,506 Cr).Bottom quartile AUM (₹485 Cr).Bottom quartile AUM (₹209 Cr).Highest AUM (₹6,883 Cr).Lower mid AUM (₹934 Cr).
Point 2Established history (10+ yrs).Established history (11+ yrs).Established history (17+ yrs).Oldest track record among peers (26 yrs).Established history (19+ yrs).
Point 3Not Rated.Top rated.Rating: 3★ (upper mid).Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 25.15% (top quartile).5Y return: 9.97% (bottom quartile).5Y return: 22.76% (lower mid).5Y return: 23.52% (upper mid).5Y return: 18.35% (bottom quartile).
Point 63Y return: 23.80% (top quartile).3Y return: 20.84% (upper mid).3Y return: 18.64% (lower mid).3Y return: 18.35% (bottom quartile).3Y return: 16.94% (bottom quartile).
Point 71Y return: 0.16% (lower mid).1Y return: 16.92% (top quartile).1Y return: -5.92% (bottom quartile).1Y return: -0.39% (bottom quartile).1Y return: 2.28% (upper mid).
Point 8Alpha: 6.93 (top quartile).Alpha: 1.78 (upper mid).Alpha: -3.63 (bottom quartile).Alpha: 0.46 (bottom quartile).Alpha: 0.50 (lower mid).
Point 9Sharpe: 0.26 (upper mid).Sharpe: 1.21 (top quartile).Sharpe: -0.24 (bottom quartile).Sharpe: 0.04 (lower mid).Sharpe: 0.04 (bottom quartile).
Point 10Information ratio: 1.02 (upper mid).Information ratio: -1.13 (bottom quartile).Information ratio: 0.65 (lower mid).Information ratio: 1.03 (top quartile).Information ratio: 0.16 (bottom quartile).

Motilal Oswal Long Term Equity Fund

  • Upper mid AUM (₹4,506 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 25.15% (top quartile).
  • 3Y return: 23.80% (top quartile).
  • 1Y return: 0.16% (lower mid).
  • Alpha: 6.93 (top quartile).
  • Sharpe: 0.26 (upper mid).
  • Information ratio: 1.02 (upper mid).

IDBI Equity Advantage Fund

  • Bottom quartile AUM (₹485 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (upper mid).
  • 1Y return: 16.92% (top quartile).
  • Alpha: 1.78 (upper mid).
  • Sharpe: 1.21 (top quartile).
  • Information ratio: -1.13 (bottom quartile).

JM Tax Gain Fund

  • Bottom quartile AUM (₹209 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.76% (lower mid).
  • 3Y return: 18.64% (lower mid).
  • 1Y return: -5.92% (bottom quartile).
  • Alpha: -3.63 (bottom quartile).
  • Sharpe: -0.24 (bottom quartile).
  • Information ratio: 0.65 (lower mid).

Franklin India Taxshield

  • Highest AUM (₹6,883 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.52% (upper mid).
  • 3Y return: 18.35% (bottom quartile).
  • 1Y return: -0.39% (bottom quartile).
  • Alpha: 0.46 (bottom quartile).
  • Sharpe: 0.04 (lower mid).
  • Information ratio: 1.03 (top quartile).

BNP Paribas Long Term Equity Fund (ELSS)

  • Lower mid AUM (₹934 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.35% (bottom quartile).
  • 3Y return: 16.94% (bottom quartile).
  • 1Y return: 2.28% (upper mid).
  • Alpha: 0.50 (lower mid).
  • Sharpe: 0.04 (bottom quartile).
  • Information ratio: 0.16 (bottom quartile).

*ذیل میں 100 - 15000 کروڑ کے درمیان AUM رکھنے والے فنڈز کی فہرست ہے اور فنڈ کی عمر 3 سال سے اوپر ہے۔ 3 سالہ کارکردگی کی بنیاد پر۔

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

  • Upper mid AUM (₹4,506 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 25.15% (top quartile).
  • 3Y return: 23.80% (top quartile).
  • 1Y return: 0.16% (lower mid).
  • Alpha: 6.93 (top quartile).
  • Sharpe: 0.26 (upper mid).
  • Information ratio: 1.02 (upper mid).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Eternal Ltd (~5.3%).

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 (13 Aug 25) ₹50.4248 ↑ 0.44   (0.89 %)
Net Assets (Cr) ₹4,506 on 30 Jun 25
Category Equity - ELSS
AMC Motilal Oswal Asset Management Co. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 0.74
Sharpe Ratio 0.26
Information Ratio 1.02
Alpha Ratio 6.93
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹15,917
31 Jul 22₹15,790
31 Jul 23₹19,504
31 Jul 24₹31,082
31 Jul 25₹32,246

Motilal Oswal Long Term Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
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 13 Aug 25

DurationReturns
1 Month -5.2%
3 Month 5.2%
6 Month 11.1%
1 Year 0.2%
3 Year 23.8%
5 Year 25.2%
10 Year
15 Year
Since launch 16.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 47.7%
2023 37%
2022 1.8%
2021 32.1%
2020 8.8%
2019 13.2%
2018 -8.7%
2017 44%
2016 12.5%
2015
Fund Manager information for Motilal Oswal Long Term Equity Fund
NameSinceTenure
Ajay Khandelwal11 Dec 231.64 Yr.
Rakesh Shetty22 Nov 222.69 Yr.
Atul Mehra1 Oct 240.83 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Industrials35.64%
Financial Services20.78%
Consumer Cyclical18.73%
Technology10.72%
Basic Materials5.55%
Real Estate3.88%
Health Care3.27%
Communication Services0.61%
Asset Allocation
Asset ClassValue
Cash0.81%
Equity99.19%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 543320
5%₹237 Cr8,970,581
↓ -953,111
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
5%₹222 Cr248,438
↑ 13,355
Trent Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 500251
5%₹214 Cr344,266
↓ -80,994
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Dec 23 | BDL
5%₹205 Cr1,056,315
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 23 | KAYNES
4%₹181 Cr297,751
Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | PRESTIGE
4%₹175 Cr1,055,205
Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON
4%₹167 Cr24,702,337
Bharat Electronics Ltd (Industrials)
Equity, Since 30 Apr 24 | BEL
4%₹166 Cr3,950,000
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Mar 24 | AMBER
4%₹163 Cr240,350
Waaree Energies Ltd (Technology)
Equity, Since 31 Oct 24 | 544277
3%₹153 Cr487,045
↑ 28,725

2. 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 (11+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.97% (bottom quartile).
  • 3Y return: 20.84% (upper mid).
  • 1Y return: 16.92% (top quartile).
  • Alpha: 1.78 (upper mid).
  • Sharpe: 1.21 (top quartile).
  • 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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹14,338
31 Jul 22₹15,363

IDBI Equity Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 13 Aug 25

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Equity Advantage Fund
NameSinceTenure

Data below for IDBI Equity Advantage Fund as on 30 Jun 23

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. 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 (₹209 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.76% (lower mid).
  • 3Y return: 18.64% (lower mid).
  • 1Y return: -5.92% (bottom quartile).
  • Alpha: -3.63 (bottom quartile).
  • Sharpe: -0.24 (bottom quartile).
  • Information ratio: 0.65 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • Largest holding Larsen & Toubro Ltd (~5.1%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund
Growth
Launch Date 31 Mar 08
NAV (13 Aug 25) ₹47.4613 ↑ 0.41   (0.88 %)
Net Assets (Cr) ₹209 on 30 Jun 25
Category Equity - ELSS
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.4
Sharpe Ratio -0.24
Information Ratio 0.65
Alpha Ratio -3.63
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹15,719
31 Jul 22₹16,599
31 Jul 23₹20,210
31 Jul 24₹30,763
31 Jul 25₹28,977

JM Tax Gain Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691
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 13 Aug 25

DurationReturns
1 Month -2.9%
3 Month 2%
6 Month 5%
1 Year -5.9%
3 Year 18.6%
5 Year 22.8%
10 Year
15 Year
Since launch 9.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 29%
2023 30.9%
2022 0.5%
2021 32.2%
2020 18.3%
2019 14.9%
2018 -4.6%
2017 42.6%
2016 5.2%
2015 -0.6%
Fund Manager information for JM Tax Gain Fund
NameSinceTenure
Satish Ramanathan1 Oct 240.83 Yr.
Asit Bhandarkar31 Dec 213.58 Yr.
Ruchi Fozdar4 Oct 240.82 Yr.
Deepak Gupta11 Apr 250.31 Yr.

Data below for JM Tax Gain Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services28.61%
Consumer Cyclical14.12%
Technology13.58%
Industrials11.08%
Basic Materials10.4%
Health Care8.22%
Energy3.84%
Communication Services2.95%
Consumer Defensive2.13%
Real Estate1.11%
Utility1.01%
Asset Allocation
Asset ClassValue
Cash2.95%
Equity97.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
5%₹11 Cr28,947
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | 532174
5%₹10 Cr70,000
↓ -7,975
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK
5%₹10 Cr49,131
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 25 | RELIANCE
4%₹8 Cr53,400
↑ 53,400
OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE
3%₹6 Cr28,195
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL
3%₹6 Cr30,700
Syrma SGS Technology Ltd (Technology)
Equity, Since 31 May 25 | SYRMA
3%₹6 Cr101,000
↑ 61,000
360 One Wam Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Apr 25 | 360ONE
3%₹6 Cr46,500
↑ 6,500
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI
3%₹5 Cr4,306
↓ -400
Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY
3%₹5 Cr32,965

4. 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

  • Highest AUM (₹6,883 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.52% (upper mid).
  • 3Y return: 18.35% (bottom quartile).
  • 1Y return: -0.39% (bottom quartile).
  • Alpha: 0.46 (bottom quartile).
  • Sharpe: 0.04 (lower mid).
  • Information ratio: 1.03 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding ICICI Bank Ltd (~9.6%).

Below is the key information for Franklin India Taxshield

Franklin India Taxshield
Growth
Launch Date 10 Apr 99
NAV (13 Aug 25) ₹1,455.26 ↑ 9.75   (0.67 %)
Net Assets (Cr) ₹6,883 on 30 Jun 25
Category Equity - ELSS
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderately High
Expense Ratio 1.83
Sharpe Ratio 0.04
Information Ratio 1.03
Alpha Ratio 0.46
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹16,092
31 Jul 22₹17,213
31 Jul 23₹20,993
31 Jul 24₹30,355
31 Jul 25₹30,172

Franklin India Taxshield SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
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 13 Aug 25

DurationReturns
1 Month -2.8%
3 Month -0.9%
6 Month 6.6%
1 Year -0.4%
3 Year 18.4%
5 Year 23.5%
10 Year
15 Year
Since launch 20.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 22.4%
2023 31.2%
2022 5.4%
2021 36.7%
2020 9.8%
2019 5.1%
2018 -3%
2017 29.1%
2016 4.7%
2015 4%
Fund Manager information for Franklin India Taxshield
NameSinceTenure
R. Janakiraman2 May 169.25 Yr.
Rajasa Kakulavarapu1 Dec 231.67 Yr.

Data below for Franklin India Taxshield as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services30.38%
Industrials11.93%
Consumer Cyclical11.21%
Technology9.25%
Health Care6.53%
Basic Materials5.48%
Consumer Defensive5.23%
Communication Services5.05%
Utility4.97%
Energy3.21%
Real Estate1.9%
Asset Allocation
Asset ClassValue
Cash4.86%
Equity95.14%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 532174
10%₹657 Cr4,546,914
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK
9%₹653 Cr3,260,417
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT
5%₹324 Cr883,853
Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY
4%₹308 Cr1,922,741
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL
4%₹305 Cr1,517,753
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 532215
4%₹270 Cr2,252,948
HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH
4%₹253 Cr1,462,587
Reliance Industries Ltd (Energy)
Equity, Since 31 May 22 | RELIANCE
3%₹221 Cr1,472,922
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Nov 17 | KOTAKBANK
3%₹198 Cr917,310
Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | 543320
3%₹198 Cr7,500,000

5. 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 (₹934 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.35% (bottom quartile).
  • 3Y return: 16.94% (bottom quartile).
  • 1Y return: 2.28% (upper mid).
  • Alpha: 0.50 (lower mid).
  • Sharpe: 0.04 (bottom quartile).
  • Information ratio: 0.16 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • Largest holding HDFC Bank Ltd (~7.0%).

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 (13 Aug 25) ₹94.1545 ↑ 0.62   (0.66 %)
Net Assets (Cr) ₹934 on 30 Jun 25
Category Equity - ELSS
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.29
Sharpe Ratio 0.04
Information Ratio 0.16
Alpha Ratio 0.5
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹14,244
31 Jul 22₹14,455
31 Jul 23₹16,629
31 Jul 24₹23,652
31 Jul 25₹23,925

BNP Paribas Long Term Equity Fund (ELSS) SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
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 13 Aug 25

DurationReturns
1 Month -1.5%
3 Month 2%
6 Month 7.3%
1 Year 2.3%
3 Year 16.9%
5 Year 18.4%
10 Year
15 Year
Since launch 12.1%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2015 7.7%
Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)
NameSinceTenure
Sanjay Chawla14 Mar 223.38 Yr.
Pratish Krishnan14 Mar 223.38 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services30.69%
Industrials12.5%
Consumer Cyclical12.03%
Technology9.57%
Health Care7.99%
Basic Materials6.91%
Consumer Defensive6.39%
Energy4.57%
Communication Services3.28%
Utility3.05%
Asset Allocation
Asset ClassValue
Cash3.03%
Equity96.97%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
7%₹66 Cr328,160
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | 532174
6%₹59 Cr411,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE
5%₹43 Cr284,200
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL
3%₹31 Cr152,566
Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY
3%₹28 Cr173,000
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA
3%₹24 Cr12,066
↓ -1,500
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 23 | 543320
2%₹21 Cr790,813
PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 May 24 | PNBHOUSING
2%₹21 Cr187,500
↑ 24,500
PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 543390
2%₹21 Cr113,300
State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN
2%₹20 Cr243,000

کیا آپ کو ELSS یا ٹیکس بچانے والی FDs میں سرمایہ کاری کرنی چاہیے؟

نئے سرمایہ کاری کرنے سے پہلے لوگ بہت سی چیزوں پر غور کرتے ہیں۔ عمر، سرمایہ کاری کا افق اورخطرے کی بھوک چند اہم عوامل ہیں. جو لوگ دولت میں اضافے اور ٹیکس کے فوائد کے دوہرے فوائد چاہتے ہیں وہ ELSS کو ترجیح دیتے ہیں۔ مثال کے طور پر، طویل سرمایہ کاری کے افق کے ساتھ نئے سرمایہ کار اور زیادہ خطرے کی بھوک ELSS کو ایک معقول آپشن سمجھتے ہیں۔ قریب آنے والے لوگریٹائرمنٹ ٹیکس بچانے والی FDs میں سرمایہ کاری کر سکتے ہیں کیونکہ ان میں کم خطرات ہوتے ہیں اور طویل مدتی (کم از کم 5 سال یا اس سے زیادہ) میں واپسی کی ضمانت ہوتی ہے۔

ELSS آن لائن میں کیسے سرمایہ کاری کی جائے؟

  1. Fincash.com پر لائف ٹائم کے لیے مفت انویسٹمنٹ اکاؤنٹ کھولیں۔

  2. اپنی رجسٹریشن اور KYC کا عمل مکمل کریں۔

  3. دستاویزات اپ لوڈ کریں (PAN، آدھار، وغیرہ)۔اور، آپ سرمایہ کاری کے لیے تیار ہیں!

    شروع کرنے کے

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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