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ফিনক্যাশ »ELSS ক্যালকুলেটর

ELSS ক্যালকুলেটর

Updated on March 31, 2025 , 7642 views

ভূমিকা

ইএলএসএস একটি ওপেন-এন্ডেড ইক্যুইটিপারস্পরিক তহবিল যেটি শুধু ট্যাক্স সাশ্রয়ের জন্যই দুর্দান্ত নয় বরং আপনার বিনিয়োগের জন্য একটি বৃদ্ধির সুযোগও তৈরি করে। লোকেদের মধ্যে দীর্ঘমেয়াদী বিনিয়োগের অভ্যাস গড়ে তোলার জন্য এই স্কিমগুলি ভারত সরকার দ্বারা প্রচার করা হয়। নাম থেকেই স্পষ্ট, ইক্যুইটি লিঙ্কড সেভিংস স্কিমে ফান্ডের বড় অংশ বিনিয়োগ করা হয়ইক্যুইটি বা ইক্যুইটি-সম্পর্কিত পণ্য। আপনি যখন ইক্যুইটি বিনিয়োগ করার পরিকল্পনা করেন তখন আগে বিনিয়োগের কর্মক্ষমতা নির্ধারণ করা একটি বিজ্ঞ সিদ্ধান্তবিনিয়োগ. এটি একটি ELSS ক্যালকুলেটর হিসাবে উল্লেখ করা একটি টুল দ্বারা করা যেতে পারে।

একটি ELSS ক্যালকুলেটর কি?

একটি ELSS ক্যালকুলেটর হল একটি অত্যন্ত সহায়ক টুল যা একটি ELSS স্কিমে সেরা বিনিয়োগ বেছে নেওয়ার ক্ষেত্রে আপনাকে সঠিক সিদ্ধান্ত নিতে সাহায্য করার ক্ষেত্রে একটি গুরুত্বপূর্ণ ভূমিকা পালন করে। T=একটি বিনিয়োগ কতটা কার্যকর হবে বা না হবে তা আপনি মূল্যায়ন করতে সক্ষম হবেন। আপনি যে ধরনের স্কিম বেছে নিয়েছেন তার উপর নির্ভর করে, আপনি ব্যবহার করতে পারেন এমন অনেকগুলি ELSS ক্যালকুলেটর রয়েছে।

ELSS ক্যালকুলেটর: SIP কাজের অতীত কর্মক্ষমতা?

অতীত কর্মক্ষমতাচুমুক ক্যালকুলেটর আপনার ঐতিহাসিক কর্মক্ষমতা উপর অন্তর্দৃষ্টি প্রদান একটি গুরুত্বপূর্ণ হাতিয়ারচুমুক. ক্যালকুলেটর কিছু বিশদ বিবরণ বিবেচনা করে যেমন:

  1. এসআইপি বিনিয়োগ পরিমাণ
  2. এসআইপির মাস ও বছর শুরু
  3. SIP এর মেয়াদপূর্তির মাস এবং বছর
  4. মূল্যায়ন তারিখ
  5. এর নামসম্পদ ব্যবস্থাপনা কোম্পানি

উপরের বিশদ বিবরণের সাথে, একটি ELSS SIP অতীত পারফরম্যান্স ক্যালকুলেটর একটি অনুমান তৈরি করবে যে পরিপক্কতার সময়ে আপনার SIP বিনিয়োগের মূল্য কত হবে। একটি তহবিল বিভিন্ন সময়ে কীভাবে কাজ করে তা নির্ধারণ করার জন্য এই ধরনের মূল্যায়ন একটি ভাল উপায়বাজার চক্র ভবিষ্যতের সম্ভাবনার পরিপ্রেক্ষিতে তহবিলটি কোথায় যাচ্ছে তা পরিমাপ করার জন্য দীর্ঘমেয়াদী কর্মক্ষমতাও একটি ভাল অন্তর্দৃষ্টি। যদিও এটা স্পষ্ট করা আবশ্যক যে অতীতের পারফরম্যান্স ভবিষ্যতে রিটার্নের কোন গ্যারান্টি নয়, তবুও তারা বাজারের প্রতিকূল অবস্থার মধ্যে কীভাবে তহবিল ধরে রেখেছে তা দেখিয়ে সাহায্য করে।

Know Your SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹720,000
expected amount after 5 Years is ₹1,074,189.
Net Profit of ₹354,189
Invest Now

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শীর্ষ ELSS তহবিল

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..

Tata India Tax Savings Fund is a Equity - ELSS fund was launched on 13 Oct 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.4% since its launch.  Ranked 1 in ELSS category.  Return for 2024 was 19.5% , 2023 was 24% and 2022 was 5.9% .

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund
Growth
Launch Date 13 Oct 14
NAV (02 Apr 25) ₹40.9549 ↑ 0.36   (0.88 %)
Net Assets (Cr) ₹4,053 on 28 Feb 25
Category Equity - ELSS
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio -0.19
Information Ratio -0.07
Alpha Ratio 3.07
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹16,724
31 Mar 22₹20,336
31 Mar 23₹20,326
31 Mar 24₹27,013
31 Mar 25₹29,622

Tata India Tax Savings 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 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 2 Apr 25

DurationReturns
1 Month 6.9%
3 Month -8.6%
6 Month -12.5%
1 Year 7.6%
3 Year 12.9%
5 Year 25.1%
10 Year
15 Year
Since launch 14.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 19.5%
2022 24%
2021 5.9%
2020 30.4%
2019 11.9%
2018 13.6%
2017 -8.4%
2016 46%
2015 2.1%
2014 13.3%
Fund Manager information for Tata India Tax Savings Fund
NameSinceTenure
Sailesh Jain16 Dec 213.21 Yr.
Tejas Gutka9 Mar 213.98 Yr.

Data below for Tata India Tax Savings Fund as on 28 Feb 25

Equity Sector Allocation
SectorValue
Financial Services32.98%
Consumer Cyclical15.28%
Industrials12.78%
Technology7.77%
Basic Materials7.15%
Energy5.32%
Communication Services3.91%
Health Care3.49%
Utility2.65%
Real Estate2.39%
Consumer Defensive1.48%
Asset Allocation
Asset ClassValue
Cash4.81%
Equity95.19%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK
7%₹299 Cr1,725,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK
6%₹256 Cr2,125,000
Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY
5%₹196 Cr1,160,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE
4%₹162 Cr1,350,000
State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN
4%₹150 Cr2,175,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 19 | BHARTIARTL
4%₹148 Cr940,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 532215
3%₹132 Cr1,300,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 16 | LT
3%₹111 Cr352,147
NTPC Ltd (Utilities)
Equity, Since 30 Jun 21 | 532555
3%₹107 Cr3,451,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Mar 22 | 500034
2%₹91 Cr107,000

2. L&T Tax Advantage Fund

To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

L&T Tax Advantage Fund is a Equity - ELSS fund was launched on 27 Feb 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14% since its launch.  Ranked 7 in ELSS category.  Return for 2024 was 33% , 2023 was 28.4% and 2022 was -3% .

Below is the key information for L&T Tax Advantage Fund

L&T Tax Advantage Fund
Growth
Launch Date 27 Feb 06
NAV (02 Apr 25) ₹122.86 ↑ 1.49   (1.22 %)
Net Assets (Cr) ₹3,604 on 28 Feb 25
Category Equity - ELSS
AMC L&T Investment Management Ltd
Rating
Risk Moderately High
Expense Ratio 1.89
Sharpe Ratio 0.04
Information Ratio 0.32
Alpha Ratio 7.41
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹17,157
31 Mar 22₹20,223
31 Mar 23₹19,900
31 Mar 24₹27,682
31 Mar 25₹31,345

L&T Tax 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 ₹584,107.
Net Profit of ₹284,107
Invest Now

Returns for L&T 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 2 Apr 25

DurationReturns
1 Month 8.1%
3 Month -11.1%
6 Month -11.7%
1 Year 10.7%
3 Year 15.5%
5 Year 26.5%
10 Year
15 Year
Since launch 14%
Historical performance (Yearly) on absolute basis
YearReturns
2023 33%
2022 28.4%
2021 -3%
2020 30.3%
2019 13.5%
2018 4.6%
2017 -8.1%
2016 42.3%
2015 8.1%
2014 2.9%
Fund Manager information for L&T Tax Advantage Fund
NameSinceTenure
Gautam Bhupal26 Nov 222.26 Yr.
Sonal Gupta21 Jul 213.61 Yr.
Abhishek Gupta1 Mar 241 Yr.

Data below for L&T Tax Advantage Fund as on 28 Feb 25

Equity Sector Allocation
SectorValue
Financial Services24.8%
Consumer Cyclical19.28%
Industrials16.35%
Technology11.48%
Basic Materials6.73%
Health Care5.79%
Energy4.26%
Consumer Defensive3.25%
Utility3.16%
Communication Services2.03%
Real Estate1.44%
Asset Allocation
Asset ClassValue
Cash1.39%
Equity98.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | HDFCBANK
6%₹201 Cr1,162,500
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 09 | ICICIBANK
4%₹139 Cr1,155,500
Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY
4%₹131 Cr774,900
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE
3%₹114 Cr951,812
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 22 | LT
3%₹95 Cr301,450
Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN
2%₹80 Cr1,291,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL
2%₹73 Cr467,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 21 | PERSISTENT
2%₹71 Cr133,000
↓ -27,000
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 543320
2%₹70 Cr3,150,000
State Bank of India (Financial Services)
Equity, Since 31 Jan 19 | SBIN
2%₹68 Cr984,432

3. Principal Tax Savings Fund

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 CAGR/Annualized return of 15.8% since its launch.  Ranked 8 in ELSS category.  Return for 2024 was 15.8% , 2023 was 24.5% and 2022 was 4.3% .

Below is the key information for Principal Tax Savings Fund

Principal Tax Savings Fund
Growth
Launch Date 31 Mar 96
NAV (02 Apr 25) ₹468.48 ↑ 4.32   (0.93 %)
Net Assets (Cr) ₹1,212 on 28 Feb 25
Category Equity - ELSS
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.26
Sharpe Ratio -0.34
Information Ratio -0.29
Alpha Ratio 0.68
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹17,162
31 Mar 22₹21,396
31 Mar 23₹21,311
31 Mar 24₹29,041
31 Mar 25₹30,850

Principal Tax Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107
Invest Now

Returns for Principal 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 2 Apr 25

DurationReturns
1 Month 5.8%
3 Month -6.5%
6 Month -10.1%
1 Year 4.8%
3 Year 12.4%
5 Year 26%
10 Year
15 Year
Since launch 15.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 15.8%
2022 24.5%
2021 4.3%
2020 32.1%
2019 18.9%
2018 2.5%
2017 -9.2%
2016 48.8%
2015 6.2%
2014 2.7%
Fund Manager information for Principal Tax Savings Fund
NameSinceTenure
Sudhir Kedia29 Oct 195.42 Yr.
Rohit Seksaria1 Jan 223.25 Yr.

Data below for Principal Tax Savings Fund as on 28 Feb 25

Equity Sector Allocation
SectorValue
Financial Services32.55%
Industrials11.74%
Consumer Cyclical10.61%
Technology8.27%
Health Care6.81%
Consumer Defensive5.77%
Energy5.37%
Basic Materials5.31%
Communication Services4.95%
Utility1.37%
Asset Allocation
Asset ClassValue
Cash6.71%
Equity93.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK
9%₹112 Cr644,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹89 Cr737,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE
4%₹52 Cr434,000
Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY
4%₹52 Cr306,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 13 | LT
3%₹42 Cr134,000
↑ 19,000
State Bank of India (Financial Services)
Equity, Since 30 Apr 05 | SBIN
3%₹37 Cr532,000
↑ 88,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 532215
3%₹32 Cr311,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Oct 22 | INDIGO
2%₹28 Cr63,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Jan 14 | 532538
2%₹27 Cr27,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Nov 21 | 890157
2%₹25 Cr221,000
↓ -62,000

4. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

HDFC Long Term Advantage Fund is a Equity - ELSS fund was launched on 2 Jan 01. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.4% since its launch.  Ranked 23 in ELSS category. .

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.

DateValue
31 Mar 20₹10,000
31 Mar 21₹17,787

HDFC Long Term 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 ₹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 2 Apr 25

DurationReturns
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
YearReturns
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
Fund Manager information for HDFC Long Term Advantage Fund
NameSinceTenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

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

Disclaimer:
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।
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