Table of Contents
Why ELSS Over Other Tax Saving Investments
ELSS funds also known as Equity Linked Savings Scheme is an equity-diversified tax saving Mutual Fund that majorly invests its assets in equities or equity-linked instruments like stock markets. The ELSS Mutual Funds offer market-linked returns, which are volatile and are dependent on the market conditions. However, financial advisors suggest Investing in ELSS funds for a long duration, as these ELSS Mutual funds generate best returns when invested for a longer duration. In the recent reports, it was seen that ELSS funds generated around 20%-30% returns when invested for 3 years, which is much more than the returns generated by other Mutual Funds.
Comparison Of ELSS & Other Tax Saving Investment Options
The comparison of ELSS and other tax saving is based on parameters like tenure, returns, eligibility for deduction under 80c, etc.
Let's have a look:
| Parameter | PPF | NSC | FD | ELSS |
|---|---|---|---|---|
| Tenure | 15 years | 6 years | 5 Years | 3 years |
| Returns | 7.60 % (Compounded Annually) | 7.60 % (Compounded Annually) | 7.00 - 8.00 % (Compounded Annually) | No Assured Divividend / Return as it market linked |
| Min. Investment | Rs. 500 | Rs. 100 | Rs. 1000 | Rs. 500 |
| Max. Investment | Rs. 1.5 Lakhs | No Upper Limit | No Upper Limit | No Upper Limit |
| Amount Eligible for Deduction under 80c | Rs. 1.5 Lakhs | Rs. 1.5 Lakhs | Rs. 1.5 Lakhs | Rs. 1.5 Lakhs |
| Taxation for Interest/return | Tax-Free | Interest Taxable | Interest Taxable | Gains up to Rs 1 lakh are free of tax. Tax at 10% applies to gains above Rs 1 lakh |
| Safety/Ratings | Safe | Safe | Safe | Risk |
Top 5 ELSS Funds To Invest In 2019
Below is the list of Fund having Net Assets/AUM between 100 - 200 Crores.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) Principal Tax Savings Fund Growth ₹204.49
↓ -1.97 ₹401 7.4 -2.7 4.3 10.7 7.8 -9.2 BOI AXA Tax Advantage Fund Growth ₹54.27
↓ -0.29 ₹255 11.2 5.3 16.1 13 8 -16.3 BNP Paribas Long Term Equity Fund (ELSS) Growth ₹40.538
↓ -0.24 ₹478 9 3.8 15.9 12.4 7.8 -9.3 Kotak Tax Saver Scheme Growth ₹45.975
↓ -0.26 ₹987 10.3 1.4 13.2 12.3 9 -3.8 Invesco India Tax Plan Growth ₹52.83
↓ -0.28 ₹962 10.1 2.8 10.6 13 9.4 -1.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Dec 19
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To build a high quality growth-oriented portfolio to provide long-term capital gains to the investors, the scheme aims at providing returns through capital appreciation. Principal Tax Savings Fund is a Equity - ELSS fund was launched on 31 Mar 96. It is a fund with Moderately High risk and has given a Below is the key information for Principal Tax Savings 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.) BOI AXA Tax Advantage Fund is a Equity - ELSS fund was launched on 25 Feb 09. It is a fund with Moderately High risk and has given a Below is the key information for BOI AXA Tax 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. BNP Paribas Long Term Equity Fund (ELSS) is a Equity - ELSS fund was launched on 5 Jan 06. It is a fund with Moderately High risk and has given a Below is the key information for BNP Paribas Long Term Equity Fund (ELSS) Returns up to 1 year are on 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. Kotak Tax Saver Scheme is a Equity - ELSS fund was launched on 23 Nov 05. It is a fund with Moderately High risk and has given a Below is the key information for Kotak Tax Saver Scheme Returns up to 1 year are on The investment objective of the Scheme is to generate long term capital growth from a diversified portfolio of predominantly equity and equity-related securities. Invesco India Tax Plan is a Equity - ELSS fund was launched on 29 Dec 06. It is a fund with Moderately High risk and has given a Below is the key information for Invesco India Tax Plan Returns up to 1 year are on 1. Principal Tax Savings Fund
CAGR/Annualized return of 15.6% since its launch. Ranked 8 in ELSS category. Return for 2018 was -9.2% , 2017 was 48.8% and 2016 was 6.2% . Principal Tax Savings Fund
Growth Launch Date 31 Mar 96 NAV (06 Dec 19) ₹204.49 ↓ -1.97 (-0.95 %) Net Assets (Cr) ₹401 on 31 Oct 19 Category Equity - ELSS AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.61 Sharpe Ratio 0.09 Information Ratio -0.67 Alpha Ratio -7.89 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Nov 14 ₹10,000 30 Nov 15 ₹10,142 30 Nov 16 ₹10,924 30 Nov 17 ₹15,477 30 Nov 18 ₹14,390 30 Nov 19 ₹14,806 Returns for Principal Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Dec 19 Duration Returns 1 Month -0.1% 3 Month 7.4% 6 Month -2.7% 1 Year 4.3% 3 Year 10.7% 5 Year 7.8% 10 Year 15 Year Since launch 15.6% Historical performance (Yearly) on absolute basis
Year Returns 2018 -9.2% 2017 48.8% 2016 6.2% 2015 2.7% 2014 49.4% 2013 8.5% 2012 46.5% 2011 -30.4% 2010 15% 2009 64.7% Fund Manager information for Principal Tax Savings Fund
Name Since Tenure Sudhir Kedia 29 Oct 19 0.01 Yr. Data below for Principal Tax Savings Fund as on 31 Oct 19
Equity Sector Allocation
Sector Value Financial Services 33.23% Consumer Defensive 12.13% Basic Materials 10.91% Technology 9.26% Industrials 7.21% Energy 6.92% Utility 6.25% Health Care 5.09% Consumer Cyclical 3.62% Communication Services 2.43% Asset Allocation
Asset Class Value Cash 2.88% Equity 97.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK8% ₹31 Cr 255,638
↑ 72,970 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK6% ₹25 Cr 543,413
↑ 34,270 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 08 | RELIANCE5% ₹20 Cr 134,452 State Bank of India (Financial Services)
Equity, Since 30 Apr 05 | SBIN4% ₹15 Cr 479,851 Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY4% ₹15 Cr 215,954
↑ 79,360 ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC4% ₹14 Cr 553,436
↑ 98,040 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK4% ₹14 Cr 89,915 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 14 | TCS4% ₹14 Cr 61,940 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 13 | LT3% ₹14 Cr 94,862
↑ 17,600 Treps 01-Nov-2019
CBLO/Reverse Repo | -3% ₹12 Cr 2. BOI AXA Tax Advantage Fund
CAGR/Annualized return of 17% since its launch. Ranked 13 in ELSS category. Return for 2018 was -16.3% , 2017 was 57.7% and 2016 was -1.2% . BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (06 Dec 19) ₹54.27 ↓ -0.29 (-0.53 %) Net Assets (Cr) ₹255 on 31 Oct 19 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 3.02 Sharpe Ratio 0.92 Information Ratio -0.13 Alpha Ratio 3.76 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Nov 14 ₹10,000 30 Nov 15 ₹10,194 30 Nov 16 ₹10,437 30 Nov 17 ₹15,187 30 Nov 18 ₹13,122 30 Nov 19 ₹14,878 Returns for BOI AXA Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Dec 19 Duration Returns 1 Month 0.4% 3 Month 11.2% 6 Month 5.3% 1 Year 16.1% 3 Year 13% 5 Year 8% 10 Year 15 Year Since launch 17% Historical performance (Yearly) on absolute basis
Year Returns 2018 -16.3% 2017 57.7% 2016 -1.2% 2015 2.1% 2014 44% 2013 9.1% 2012 24.8% 2011 -24.1% 2010 5.9% 2009 Fund Manager information for BOI AXA Tax Advantage Fund
Name Since Tenure Aakash Manghani 15 Jul 19 0 Yr. Data below for BOI AXA Tax Advantage Fund as on 31 Oct 19
Equity Sector Allocation
Sector Value Financial Services 37.63% Basic Materials 13.43% Industrials 11.41% Consumer Cyclical 9.24% Technology 5.94% Health Care 5.78% Consumer Defensive 5.22% Energy 3.88% Utility 1.12% Communication Services 0.84% Real Estate 0.7% Asset Allocation
Asset Class Value Cash 4.8% Equity 95.19% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Finance Ltd (Financial Services)
Equity, Since 31 May 18 | 5000347% ₹17 Cr 43,199
↑ 1,199 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK6% ₹16 Cr 131,179
↑ 5,031 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK6% ₹15 Cr 326,315 Cblo
CBLO | -5% ₹12 Cr Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | KOTAKBANK4% ₹11 Cr 67,709 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE4% ₹10 Cr 67,612
↑ 16,583 PI Industries Ltd (Basic Materials)
Equity, Since 30 Nov 18 | PIIND3% ₹7 Cr 52,327
↑ 9,240 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | 5322153% ₹7 Cr 97,680 Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Sep 18 | DIVISLAB3% ₹7 Cr 39,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 May 19 | HDFC3% ₹7 Cr 31,000 3. BNP Paribas Long Term Equity Fund (ELSS)
CAGR/Annualized return of 10.6% since its launch. Ranked 22 in ELSS category. Return for 2018 was -9.3% , 2017 was 42.3% and 2016 was -6.6% . BNP Paribas Long Term Equity Fund (ELSS)
Growth Launch Date 5 Jan 06 NAV (06 Dec 19) ₹40.538 ↓ -0.24 (-0.58 %) Net Assets (Cr) ₹478 on 31 Oct 19 Category Equity - ELSS AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.56 Sharpe Ratio 1.31 Information Ratio -0.45 Alpha Ratio 6.35 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Nov 14 ₹10,000 30 Nov 15 ₹10,646 30 Nov 16 ₹10,530 30 Nov 17 ₹14,008 30 Nov 18 ₹12,928 30 Nov 19 ₹14,770 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 6 Dec 19 Duration Returns 1 Month 0.1% 3 Month 9% 6 Month 3.8% 1 Year 15.9% 3 Year 12.4% 5 Year 7.8% 10 Year 15 Year Since launch 10.6% Historical performance (Yearly) on absolute basis
Year Returns 2018 -9.3% 2017 42.3% 2016 -6.6% 2015 7.7% 2014 53% 2013 7.7% 2012 34.3% 2011 -15% 2010 14.9% 2009 70.2% Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)
Name Since Tenure Abhijeet Dey 16 Nov 16 2.87 Yr. Karthikraj Lakshmanan 7 Oct 16 2.98 Yr. Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 Oct 19
Equity Sector Allocation
Sector Value Financial Services 39.87% Industrials 10.58% Basic Materials 9.45% Technology 7.75% Utility 5.98% Consumer Cyclical 5.92% Consumer Defensive 5.54% Energy 3.91% Communication Services 3.59% Health Care 2.51% Asset Allocation
Asset Class Value Cash 4.91% Equity 95.09% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK9% ₹44 Cr 360,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK8% ₹36 Cr 788,000 Treps
CBLO/Reverse Repo | -6% ₹31 Cr Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 5322155% ₹22 Cr 297,141 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE4% ₹19 Cr 127,500 Infosys Ltd (Technology)
Equity, Since 31 Mar 09 | INFY4% ₹17 Cr 250,000
↓ -75,000 Asian Paints Ltd (Basic Materials)
Equity, Since 31 Oct 14 | 5008203% ₹14 Cr 77,500 Siemens Ltd (Industrials)
Equity, Since 30 Nov 18 | 5005503% ₹14 Cr 84,000
↓ -26,000 Sundaram Finance Ltd (Financial Services)
Equity, Since 31 Dec 18 | SUNDARMFIN3% ₹14 Cr 85,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Jun 18 | TCS3% ₹12 Cr 55,000
↓ -5,000 4. Kotak Tax Saver Scheme
CAGR/Annualized return of 11.5% since its launch. Ranked 19 in ELSS category. Return for 2018 was -3.8% , 2017 was 33.8% and 2016 was 7.5% . Kotak Tax Saver Scheme
Growth Launch Date 23 Nov 05 NAV (06 Dec 19) ₹45.975 ↓ -0.26 (-0.57 %) Net Assets (Cr) ₹987 on 31 Oct 19 Category Equity - ELSS AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.4 Sharpe Ratio 0.93 Information Ratio -0.41 Alpha Ratio 3.22 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Nov 14 ₹10,000 30 Nov 15 ₹10,162 30 Nov 16 ₹11,121 30 Nov 17 ₹14,175 30 Nov 18 ₹13,847 30 Nov 19 ₹15,592 Returns for Kotak Tax Saver Scheme
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Dec 19 Duration Returns 1 Month 0.9% 3 Month 10.3% 6 Month 1.4% 1 Year 13.2% 3 Year 12.3% 5 Year 9% 10 Year 15 Year Since launch 11.5% Historical performance (Yearly) on absolute basis
Year Returns 2018 -3.8% 2017 33.8% 2016 7.5% 2015 1.5% 2014 56.6% 2013 -6.3% 2012 36.2% 2011 -26% 2010 19.9% 2009 75% Fund Manager information for Kotak Tax Saver Scheme
Name Since Tenure Harsha Upadhyaya 25 Aug 15 3.44 Yr. Data below for Kotak Tax Saver Scheme as on 31 Oct 19
Equity Sector Allocation
Sector Value Financial Services 27.52% Industrials 19.74% Basic Materials 17.5% Energy 8.45% Technology 7.91% Consumer Defensive 6.44% Consumer Cyclical 5.55% Utility 3.08% Health Care 2.19% Asset Allocation
Asset Class Value Cash 1.58% Equity 98.38% Other 0.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 06 | RELIANCE7% ₹68 Cr 464,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK7% ₹65 Cr 1,400,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK6% ₹59 Cr 480,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 13 | 5322156% ₹57 Cr 775,000 GlaxoSmithKline Consumer Healthcare Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | 5006764% ₹41 Cr 45,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 18 | TCS4% ₹39 Cr 170,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 14 | LT4% ₹37 Cr 250,000 SRF Ltd (Basic Materials)
Equity, Since 30 Apr 16 | SRF3% ₹30 Cr 105,000 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Jun 17 | 5406113% ₹27 Cr 400,000 Infosys Ltd (Technology)
Equity, Since 31 Dec 05 | INFY3% ₹27 Cr 400,000
↓ -50,000 5. Invesco India Tax Plan
CAGR/Annualized return of 13.7% since its launch. Ranked 17 in ELSS category. Return for 2018 was -1.3% , 2017 was 35.7% and 2016 was 3.4% . Invesco India Tax Plan
Growth Launch Date 29 Dec 06 NAV (06 Dec 19) ₹52.83 ↓ -0.28 (-0.53 %) Net Assets (Cr) ₹962 on 31 Oct 19 Category Equity - ELSS AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 0.71 Information Ratio -0.3 Alpha Ratio -1.49 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Nov 14 ₹10,000 30 Nov 15 ₹10,530 30 Nov 16 ₹11,171 30 Nov 17 ₹14,367 30 Nov 18 ₹14,720 30 Nov 19 ₹15,915 Returns for Invesco India Tax Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Dec 19 Duration Returns 1 Month 0% 3 Month 10.1% 6 Month 2.8% 1 Year 10.6% 3 Year 13% 5 Year 9.4% 10 Year 15 Year Since launch 13.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 -1.3% 2017 35.7% 2016 3.4% 2015 5.8% 2014 54.3% 2013 10.1% 2012 30.3% 2011 -18.9% 2010 22.1% 2009 83.5% Fund Manager information for Invesco India Tax Plan
Name Since Tenure Amit Ganatra 29 Mar 18 1.59 Yr. Dhimant Kothari 29 Mar 18 1.59 Yr. Data below for Invesco India Tax Plan as on 31 Oct 19
Equity Sector Allocation
Sector Value Financial Services 33.41% Consumer Defensive 11.08% Industrials 9.99% Technology 9.15% Energy 8.99% Consumer Cyclical 7.63% Health Care 5.8% Basic Materials 5.24% Utility 2.24% Communication Services 1.59% Asset Allocation
Asset Class Value Cash 4.89% Equity 95.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 09 | HDFCBANK9% ₹83 Cr 678,130 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 17 | RELIANCE8% ₹76 Cr 522,200 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK7% ₹66 Cr 1,421,664 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Oct 18 | HDFC6% ₹62 Cr 289,121 Triparty Repo
CBLO/Reverse Repo | -6% ₹55 Cr Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 19 | TCS5% ₹51 Cr 224,486 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 17 | LT4% ₹43 Cr 292,256 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | ITC4% ₹42 Cr 1,615,672 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Jun 19 | 5006963% ₹33 Cr 149,509
↑ 32,810 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 19 | KOTAKBANK3% ₹29 Cr 183,772
How ELSS Better Than Other Tax Saving Investments?
There are various Tax Saving Investment options in India among which ELSS is one of the best options. How? Here are some of the reasons mentioned.
High Returns over Long-Term
The ELSS funds allocate the highest number of assets in stock market among other tax saving investments. So, these funds earn best Inflation-beating returns amongst all. If invested for a longer duration, the rate of returns of ELSS can easily beat the returns of other traditional debt-oriented investments. Therefore, ELSS Mutual funds provide investors with the best of both worlds- high returns and tax benefits.
Shortest Lock-in Period
The ELSS Mutual Funds have a short lock-in period as compared to the traditional tax saving investment options. The lock-in period of ELSS funds is 3 years while that of PPF is 15 years and of NPS is until retirement. So, by investing in ELSS your money does not get locked for a longer duration and you can stop investing soon after the lock-in is over.
Highly Flexible Investment
The flexibility of ELSS Mutual Funds is much more than all other tax saving investments. Unlike traditional investments, there is no need of investing in only one type of option. ELSS funds enable you to diversify your portfolio with different kinds of investments. Also, the investors can remain invested in these funds even after the lock-in period is over. So, once the lock-in is over, you can easily choose to remain invested or redeem as per your convenience.
Conclusion
In conclusion, here are a few tips for investors investing in ELSS Funds.
- Start investing in ELSS early
- Invest within your limits
- Do not choose dividend reinvestment
- Redeem slowly and gradually
- Invest via a SIP
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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