ELSS ক্যালকুলেটর

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:

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।

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 14.6% 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 (22 Apr 25)	₹42.1365 ↑ 0.12 (0.27 %)
Net Assets (Cr)	₹4,335 on 31 Mar 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	0.22
Information Ratio	-0.15
Alpha Ratio	3.19
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 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 22 Apr 25

Duration	Returns
1 Month	3%
3 Month	0.9%
6 Month	-4.6%
1 Year	10%
3 Year	15%
5 Year	23.3%
10 Year
15 Year
Since launch	14.6%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Sailesh Jain	16 Dec 21	3.21 Yr.
Tejas Gutka	9 Mar 21	3.98 Yr.

Data below for Tata India Tax Savings Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	32.98%
Consumer Cyclical	15.28%
Industrials	12.78%
Technology	7.77%
Basic Materials	7.15%
Energy	5.32%
Communication Services	3.91%
Health Care	3.49%
Utility	2.65%
Real Estate	2.39%
Consumer Defensive	1.48%

Asset Allocation

Asset Class	Value
Cash	4.81%
Equity	95.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹299 Cr	1,725,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹256 Cr	2,125,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	5%	₹196 Cr	1,160,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹162 Cr	1,350,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹150 Cr	2,175,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹148 Cr	940,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹132 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹111 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	3%	₹107 Cr	3,451,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Mar 22 \| 500034	2%	₹91 Cr	107,000

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 14.2% 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 (22 Apr 25)	₹126.894 ↑ 0.70 (0.56 %)
Net Assets (Cr)	₹3,871 on 31 Mar 25
Category	Equity - ELSS
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.89
Sharpe Ratio	0.38
Information Ratio	0.34
Alpha Ratio	6.76
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 22 Apr 25

Duration	Returns
1 Month	3.2%
3 Month	1.8%
6 Month	-4%
1 Year	12.9%
3 Year	17.6%
5 Year	24.4%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Gautam Bhupal	26 Nov 22	2.26 Yr.
Sonal Gupta	21 Jul 21	3.61 Yr.
Abhishek Gupta	1 Mar 24	1 Yr.

Data below for L&T Tax Advantage Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	24.8%
Consumer Cyclical	19.28%
Industrials	16.35%
Technology	11.48%
Basic Materials	6.73%
Health Care	5.79%
Energy	4.26%
Consumer Defensive	3.25%
Utility	3.16%
Communication Services	2.03%
Real Estate	1.44%

Asset Allocation

Asset Class	Value
Cash	1.39%
Equity	98.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 06 \| HDFCBANK	6%	₹201 Cr	1,162,500
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 09 \| ICICIBANK	4%	₹139 Cr	1,155,500
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	4%	₹131 Cr	774,900
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	3%	₹114 Cr	951,812
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 22 \| LT	3%	₹95 Cr	301,450
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	2%	₹80 Cr	1,291,500
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	2%	₹73 Cr	467,000
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 21 \| PERSISTENT	2%	₹71 Cr	133,000 ↓ -27,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	2%	₹70 Cr	3,150,000
State Bank of India (Financial Services) Equity, Since 31 Jan 19 \| SBIN	2%	₹68 Cr	984,432

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 15.9% 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 (22 Apr 25)	₹487.485 ↑ 0.71 (0.14 %)
Net Assets (Cr)	₹1,288 on 31 Mar 25
Category	Equity - ELSS
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.26
Sharpe Ratio	0.02
Information Ratio	-0.26
Alpha Ratio	-0.34
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 22 Apr 25

Duration	Returns
1 Month	4%
3 Month	3.9%
6 Month	-1.4%
1 Year	8.1%
3 Year	14.6%
5 Year	24.4%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Sudhir Kedia	29 Oct 19	5.42 Yr.
Rohit Seksaria	1 Jan 22	3.25 Yr.

Data below for Principal Tax Savings Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	32.55%
Industrials	11.74%
Consumer Cyclical	10.61%
Technology	8.27%
Health Care	6.81%
Consumer Defensive	5.77%
Energy	5.37%
Basic Materials	5.31%
Communication Services	4.95%
Utility	1.37%

Asset Allocation

Asset Class	Value
Cash	6.71%
Equity	93.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	9%	₹112 Cr	644,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹89 Cr	737,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	4%	₹52 Cr	434,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	4%	₹52 Cr	306,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 13 \| LT	3%	₹42 Cr	134,000 ↑ 19,000
State Bank of India (Financial Services) Equity, Since 30 Apr 05 \| SBIN	3%	₹37 Cr	532,000 ↑ 88,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| 532215	3%	₹32 Cr	311,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Oct 22 \| INDIGO	2%	₹28 Cr	63,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Jan 14 \| 532538	2%	₹27 Cr	27,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Nov 21 \| 890157	2%	₹25 Cr	221,000 ↓ -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.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹17,787

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 22 Apr 25

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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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

ভূমিকা

একটি ELSS ক্যালকুলেটর কি?