+91-22-48913909مالی سال 22 - 23 کے لیے 5 بہترین ٹیکس بچانے والے ELSS میوچل فنڈز
بہترین elss فنڈز یا ایکویٹی لنکڈ سیونگ اسکیم (ٹیکس سیونگ) ایکویٹی متنوع ہیں۔باہمی چندہ جو بنیادی طور پر فراہم کرنے کے لیے ایکویٹی سے منسلک آلات (جیسے حصص اور اسٹاک) میں سرمایہ کاری کرتے ہیں۔مارکیٹ- منسلک واپسی عام طور پر، فنڈ کارپس کا 80% ایکویٹی میں اور باقی قرض کے آلات میں لگایا جاتا ہے۔
بہترینای ایل ایس ایس فنڈز کو ٹیکس بچانے والے میوچل فنڈز کے نام سے بھی جانا جاتا ہے کیونکہ وہ اس کے تحت ٹیکس فوائد پیش کرتے ہیں۔سیکشن 80 سی کےانکم ٹیکس ایکٹ مزید برآں، ELSS میوچل فنڈز اوپن اینڈڈ ہیں، جس کا مطلب ہے کہ سرمایہ کار جب چاہیں ان فنڈز میں سبسکرائب کر سکتے ہیں۔
تاہم، اس سے پہلےسرمایہ کاری ان ٹیکس بچانے والے میوچل فنڈز میں، بہترین ELSS فنڈز کی فہرست پر غور کرنے کا مشورہ دیا جاتا ہے۔
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مالی سال 22 - 23 میں سرمایہ کاری کے لیے سرفہرست 5 ELSS فنڈز
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 1.2 15.4 35.5 20.6 17.4 BNP Paribas Long Term Equity Fund (ELSS) Growth ₹98.0692
↑ 0.84 ₹882 5.2 -0.1 2.1 15.4 12.3 4.8 Edelweiss Long Term Equity Fund Growth ₹113.56
↑ 0.91 ₹436 4.9 -0.5 1.6 13.2 12 6.7 BOI AXA Tax Advantage Fund Growth ₹162.55
↑ 1.04 ₹1,380 4.4 3.4 0.1 13.9 12 -3.5 PGIM India Tax Savings Fund Growth ₹34.13
↑ 0.31 ₹689 7.5 -0.7 -4 8.3 10.3 2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Jan 22 Research Highlights & Commentary of 5 Funds showcased
Commentary HDFC Long Term Advantage Fund BNP Paribas Long Term Equity Fund (ELSS) Edelweiss Long Term Equity Fund BOI AXA Tax Advantage Fund PGIM India Tax Savings Fund Point 1 Upper mid AUM (₹1,318 Cr). Lower mid AUM (₹882 Cr). Bottom quartile AUM (₹436 Cr). Highest AUM (₹1,380 Cr). Bottom quartile AUM (₹689 Cr). Point 2 Oldest track record among peers (25 yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (17+ yrs). Established history (10+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Not Rated. 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: 17.39% (top quartile). 5Y return: 12.26% (upper mid). 5Y return: 11.98% (lower mid). 5Y return: 11.96% (bottom quartile). 5Y return: 10.28% (bottom quartile). Point 6 3Y return: 20.64% (top quartile). 3Y return: 15.36% (upper mid). 3Y return: 13.20% (bottom quartile). 3Y return: 13.94% (lower mid). 3Y return: 8.31% (bottom quartile). Point 7 1Y return: 35.51% (top quartile). 1Y return: 2.11% (upper mid). 1Y return: 1.57% (lower mid). 1Y return: 0.08% (bottom quartile). 1Y return: -4.05% (bottom quartile). Point 8 Alpha: 1.75 (upper mid). Alpha: 1.65 (lower mid). Alpha: 2.87 (top quartile). Alpha: 0.43 (bottom quartile). Alpha: -5.45 (bottom quartile). Point 9 Sharpe: 2.27 (top quartile). Sharpe: -0.10 (lower mid). Sharpe: -0.04 (upper mid). Sharpe: -0.19 (bottom quartile). Sharpe: -0.51 (bottom quartile). Point 10 Information ratio: -0.15 (bottom quartile). Information ratio: 0.61 (top quartile). Information ratio: 0.12 (lower mid). Information ratio: 0.28 (upper mid). Information ratio: -1.44 (bottom quartile). HDFC Long Term Advantage Fund
BNP Paribas Long Term Equity Fund (ELSS)
Edelweiss Long Term Equity Fund
BOI AXA Tax Advantage Fund
PGIM India Tax Savings Fund
To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments Below is the key information for HDFC Long Term Advantage Fund Returns up to 1 year are on 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) Below is the key information for BNP Paribas Long Term Equity Fund (ELSS) Returns up to 1 year are on (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 Below is the key information for Edelweiss Long Term Equity Fund Returns up to 1 year are on 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 Below is the key information for BOI AXA Tax Advantage Fund Returns up to 1 year are on "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 Below is the key information for PGIM India Tax Savings Fund Returns up to 1 year are on 1. 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 30 Jun 21 ₹10,000
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 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 2. BNP Paribas Long Term Equity Fund (ELSS)
BNP Paribas Long Term Equity Fund (ELSS)
Growth Launch Date 5 Jan 06 NAV (09 Jul 26) ₹98.0692 ↑ 0.84 (0.86 %) Net Assets (Cr) ₹882 on 31 May 26 Category Equity - ELSS AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.21 Sharpe Ratio -0.1 Information Ratio 0.61 Alpha Ratio 1.65 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹9,480 30 Jun 23 ₹11,609 30 Jun 24 ₹16,494 30 Jun 25 ₹17,507 30 Jun 26 ₹17,827 Returns for BNP Paribas Long Term Equity Fund (ELSS)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 3.8% 3 Month 5.2% 6 Month -0.1% 1 Year 2.1% 3 Year 15.4% 5 Year 12.3% 10 Year 15 Year Since launch 11.8% 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 Sanjay Chawla 14 Mar 22 4.3 Yr. Yash Mehta 1 May 26 0.16 Yr. Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 May 26
Equity Sector Allocation
Sector Value Financial Services 28.78% Industrials 15.65% Consumer Cyclical 14.19% Basic Materials 8.98% Technology 7.08% Health Care 6.37% Energy 5.79% Consumer Defensive 4.17% Communication Services 3.01% Utility 1.38% Asset Allocation
Asset Class Value Cash 4.57% Equity 95.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK5% ₹41 Cr 550,000
↓ -106,320 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE4% ₹37 Cr 281,800 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA4% ₹34 Cr 8,766 State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN4% ₹32 Cr 330,000
↑ 52,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK4% ₹31 Cr 250,000
↓ -79,900 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Nov 24 | BHEL3% ₹29 Cr 701,626
↓ -119,754 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL3% ₹27 Cr 144,966 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 20 | LT3% ₹26 Cr 65,000
↑ 5,000 Hindalco Industries Ltd (Basic Materials)
Equity, Since 28 Feb 25 | HINDALCO3% ₹25 Cr 220,000 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Jul 24 | NAVINFLUOR3% ₹23 Cr 31,685 3. Edelweiss Long Term Equity Fund
Edelweiss Long Term Equity Fund
Growth Launch Date 30 Dec 08 NAV (09 Jul 26) ₹113.56 ↑ 0.91 (0.81 %) Net Assets (Cr) ₹436 on 31 May 26 Category Equity - ELSS AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.34 Sharpe Ratio -0.04 Information Ratio 0.12 Alpha Ratio 2.87 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹9,948 30 Jun 23 ₹12,323 30 Jun 24 ₹16,960 30 Jun 25 ₹17,754 30 Jun 26 ₹17,814 Returns for Edelweiss Long Term Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 3.7% 3 Month 4.9% 6 Month -0.5% 1 Year 1.6% 3 Year 13.2% 5 Year 12% 10 Year 15 Year Since launch 14.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 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% Fund Manager information for Edelweiss Long Term Equity Fund
Name Since Tenure Ashwani Agarwalla 1 Aug 23 2.92 Yr. Trideep Bhattacharya 1 Aug 23 2.92 Yr. Raj Koradia 1 Aug 24 1.91 Yr. Data below for Edelweiss Long Term Equity Fund as on 31 May 26
Equity Sector Allocation
Sector Value Financial Services 35.37% Consumer Cyclical 11.42% Industrials 9.92% Technology 9.15% Energy 7.08% Health Care 6.65% Basic Materials 6.48% Consumer Defensive 3.89% Communication Services 3.52% Utility 3.27% Real Estate 1.02% Asset Allocation
Asset Class Value Cash 2.23% Equity 97.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 15 | RELIANCE5% ₹20 Cr 154,769 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 10 | HDFCBANK4% ₹19 Cr 249,864 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL4% ₹15 Cr 84,003 BSE Ltd (Financial Services)
Equity, Since 31 Mar 24 | BSE3% ₹14 Cr 34,841 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 15 | LT3% ₹14 Cr 33,431 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 17 | ICICIBANK3% ₹13 Cr 102,311 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 Aug 24 | MCX3% ₹13 Cr 42,695 State Bank of India (Financial Services)
Equity, Since 31 May 18 | SBIN2% ₹11 Cr 111,376 Muthoot Finance Ltd (Financial Services)
Equity, Since 31 Dec 24 | MUTHOOTFIN2% ₹10 Cr 28,474 NTPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NTPC2% ₹9 Cr 243,851 4. BOI AXA Tax Advantage Fund
BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (09 Jul 26) ₹162.55 ↑ 1.04 (0.64 %) Net Assets (Cr) ₹1,380 on 31 May 26 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.09 Sharpe Ratio -0.19 Information Ratio 0.28 Alpha Ratio 0.43 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹9,536 30 Jun 23 ₹12,057 30 Jun 24 ₹19,060 30 Jun 25 ₹18,087 30 Jun 26 ₹18,195 Returns for BOI AXA Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 2.2% 3 Month 4.4% 6 Month 3.4% 1 Year 0.1% 3 Year 13.9% 5 Year 12% 10 Year 15 Year Since launch 17.4% 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 4.18 Yr. Data below for BOI AXA Tax Advantage Fund as on 31 May 26
Equity Sector Allocation
Sector Value Financial Services 24.72% Industrials 19.59% Basic Materials 16.92% Consumer Cyclical 9.64% Consumer Defensive 6.17% Utility 5.36% Technology 3.25% Communication Services 3.11% Health Care 2.76% Energy 2.15% Real Estate 0.11% Asset Allocation
Asset Class Value Cash 3.61% Equity 96.27% Debt 0.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN4% ₹56 Cr 584,286 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL3% ₹47 Cr 110,000
↓ -4,000 Acutaas Chemicals Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433493% ₹45 Cr 142,759 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 24 | BHARTIARTL3% ₹43 Cr 235,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK3% ₹42 Cr 335,000 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 30 Apr 25 | ADANIPORTS3% ₹40 Cr 224,000 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | NTPC3% ₹40 Cr 1,041,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK3% ₹39 Cr 530,000
↑ 20,000 Power Finance Corp Ltd (Financial Services)
Equity, Since 28 Feb 26 | PFC3% ₹38 Cr 885,000 UNO Minda Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | UNOMINDA3% ₹36 Cr 330,439 5. PGIM India Tax Savings Fund
PGIM India Tax Savings Fund
Growth Launch Date 11 Dec 15 NAV (09 Jul 26) ₹34.13 ↑ 0.31 (0.92 %) Net Assets (Cr) ₹689 on 31 May 26 Category Equity - ELSS AMC Pramerica Asset Managers Private Limited Rating Risk Moderately High Expense Ratio 2.26 Sharpe Ratio -0.51 Information Ratio -1.44 Alpha Ratio -5.45 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,349 30 Jun 23 ₹12,783 30 Jun 24 ₹15,892 30 Jun 25 ₹17,016 30 Jun 26 ₹16,231 Returns for PGIM India Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 5.1% 3 Month 7.5% 6 Month -0.7% 1 Year -4% 3 Year 8.3% 5 Year 10.3% 10 Year 15 Year Since launch 12.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 2% 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% Fund Manager information for PGIM India Tax Savings Fund
Name Since Tenure Vinay Paharia 1 Apr 23 3.25 Yr. Utsav Mehta 15 Apr 24 2.21 Yr. Vivek Sharma 15 Apr 24 2.21 Yr. Akhil Dhar 25 Feb 26 0.34 Yr. Data below for PGIM India Tax Savings Fund as on 31 May 26
Equity Sector Allocation
Sector Value Financial Services 29.42% Industrials 12.73% Consumer Cyclical 12.12% Health Care 11.51% Basic Materials 7.89% Technology 6.65% Consumer Defensive 6.16% Communication Services 4.67% Energy 4.05% Utility 1.88% Real Estate 1.03% Asset Allocation
Asset Class Value Cash 1.74% Equity 98.11% Debt 0.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK7% ₹50 Cr 672,678 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | ICICIBANK7% ₹45 Cr 359,354 Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 19 | BHARTIARTL4% ₹27 Cr 148,605 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 17 | RELIANCE4% ₹25 Cr 188,731
↓ -67,200 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 24 | BAJFINANCE3% ₹19 Cr 209,120 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 17 | LT3% ₹18 Cr 43,227
↓ -5,500 State Bank of India (Financial Services)
Equity, Since 28 Feb 26 | SBIN3% ₹17 Cr 180,600
↑ 36,600 Varun Beverages Ltd (Consumer Defensive)
Equity, Since 30 Apr 23 | VBL2% ₹17 Cr 312,725 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Jun 23 | KOTAKBANK2% ₹16 Cr 420,000 Infosys Ltd (Technology)
Equity, Since 30 Jun 24 | INFY2% ₹16 Cr 133,801
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Research Highlights for HDFC Long Term Advantage Fund