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फिनकैश »म्यूचुअल फंड्स »बेस्ट टैक्स सेविंग

4 बेस्ट टैक्स सेविंग ईएलएसएस म्यूचुअल फंड FY 22 - 23

Updated on March 5, 2025 , 10565 views

ईएलएसएस (इक्विटी लिंक्ड सेविंग स्कीम) सबसे अच्छे टैक्स सेविंग विकल्पों में से एक है जो आपको बहुत सारा पैसा बचाने में मदद करता हैआयकर कमाई के साथराजधानी निवेश पर सराहना।

टैक्स सेविंग ईएलएसएस फंड INR 1,50 तक कर छूट की अनुमति देते हैं,000 अंतर्गतधारा 80सी कीआय कर अधिनियम। इसलिए, द्वारानिवेश इन टैक्स सेविंग मेंम्यूचुअल फंड्स, यहां तक कि 30% के उच्चतम टैक्स ब्रैकेट में निवेशक भी अच्छे रिटर्न अर्जित करने के साथ-साथ किसी विशेष वित्तीय वर्ष के लिए लगभग INR 46,000 की कर छूट का लाभ उठा सकते हैं।

Tax-Savings

ईएलएसएस हैंमंडी-लिंक्ड निवेश, आपको इन फंडों में समझदारी से निवेश करने का सुझाव दिया जाता है ताकि लंबी अवधि के नुकसान और जोखिम से बचा जा सके।

ईएलएसएस फंड में निवेश के लाभ FY 22 - 23

  • ईएलएसएस म्यूचुअल फंड INR 1,50,000 तक कर छूट प्रदान करते हैं।
  • रिटर्न अन्य द्वारा दिए गए रिटर्न की तुलना में बहुत अधिक हैटैक्स सेविंग निवेश विकल्प।
  • ईएलएसएस में 3 साल की सबसे कम लॉक-इन अवधि होती है, जो कि अन्य टैक्स सेविंग निवेशों की तुलना में काफी कम है।
  • ईएलएसएस फंड के माध्यम से निवेश करने का विकल्प प्रदान करते हैंसिप, इसलिए निवेशक मासिक रूप से छोटी मात्रा में निवेश करके अपने ईएलएसएस निवेश को आसानी से प्रबंधित कर सकते हैं।

उपरोक्त सभी कारक ईएलएसएस को सबसे अच्छे टैक्स सेविंग विकल्पों में से एक बनाते हैं।

यदि आप निवेश करने की योजना बना रहे हैं, तो SIP (Systematic .)निवेश योजना) उसमे से एकपैसे निवेश करने के सर्वोत्तम तरीके ईएलएसएस में। नियमित निवेश की आदत आपके पोर्टफोलियो को अनुशासित और संतुलित रखती है। साथ ही कर कैलेंडर के अंतिम समय में एकमुश्त राशि की व्यवस्था करने का झंझट भी समाप्त हो जाता है। SIP में आप निवेश की रकम को फिक्स कर सकते हैं, जो कम से कम रु. 500, और एक तारीख जब आपका पैसा आपसे स्वतः कट जाएगाबैंक ईएलएसएस फंड में खाता।

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शीर्ष 4 सर्वश्रेष्ठ प्रदर्शन करने वाले टैक्स सेविंग ईएलएसएस म्यूचुअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2023 (%)Since launch (%)
ICICI Prudential Long Term Equity Fund (Tax Saving) Growth ₹823.28
↑ 0.25
₹13,549-9.8-11.83.914.918.216.418.8
Canara Robeco Equity Tax Saver Growth ₹154.47
↓ -0.39
₹8,376-13.3-132.414.117.617.518.5
BOI AXA Tax Advantage Fund Growth ₹142.8
↑ 0.06
₹1,330-18.7-16.5-5.717.120.421.618
IDFC Tax Advantage (ELSS) Fund Growth ₹136.77
↑ 0.34
₹6,620-10.6-12.6-1.315.921.613.117.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Mar 25
*ऊपर की सूची हैबेस्ट एल्स म्युचुअल फंड ऊपर शुद्ध संपत्ति होना100 करोड़ लॉन्च / स्थापना के बाद से वार्षिक रिटर्न पर क्रमबद्ध।

1. ICICI Prudential Long Term Equity Fund (Tax Saving)

To generate long-term capital appreciation through investments made primarily in equity and equity related securities of companies.

ICICI Prudential Long Term Equity Fund (Tax Saving) is a Equity - ELSS fund was launched on 19 Aug 99. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.8% since its launch.  Ranked 30 in ELSS category.  Return for 2024 was 16.4% , 2023 was 23.2% and 2022 was 2.3% .

Below is the key information for ICICI Prudential Long Term Equity Fund (Tax Saving)

ICICI Prudential Long Term Equity Fund (Tax Saving)
Growth
Launch Date 19 Aug 99
NAV (07 Mar 25) ₹823.28 ↑ 0.25   (0.03 %)
Net Assets (Cr) ₹13,549 on 31 Jan 25
Category Equity - ELSS
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.87
Sharpe Ratio 0.42
Information Ratio -0.32
Alpha Ratio 1.89
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
29 Feb 20₹10,000
28 Feb 21₹13,203
28 Feb 22₹15,688
28 Feb 23₹15,983
29 Feb 24₹21,595
28 Feb 25₹22,155

ICICI Prudential Long Term Equity Fund (Tax Saving) 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 ICICI Prudential Long Term Equity Fund (Tax Saving)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25

DurationReturns
1 Month -5.1%
3 Month -9.8%
6 Month -11.8%
1 Year 3.9%
3 Year 14.9%
5 Year 18.2%
Since launch 18.8%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 16.4%
2022 23.2%
2021 2.3%
2020 33.7%
2019 13.6%
2018 8.8%
2017 0.5%
2016 26%
2015 3.9%
2014 4.3%
Fund Manager information for ICICI Prudential Long Term Equity Fund (Tax Saving)
NameSinceTenure
Mittul Kalawadia18 Sep 231.45 Yr.
Sharmila D’mello31 Jul 222.59 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 31 Jan 25

Equity Sector Allocation
SectorValue
Financial Services31.89%
Consumer Cyclical16.04%
Health Care11.71%
Industrials7.85%
Consumer Defensive7.45%
Communication Services6.57%
Energy5.33%
Technology4.59%
Utility3.36%
Basic Materials3.06%
Real Estate1.02%
Asset Allocation
Asset ClassValue
Cash1.12%
Equity98.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK
9%₹1,243 Cr9,918,908
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK
8%₹1,044 Cr6,147,320
↑ 202,269
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI
6%₹754 Cr612,703
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 29 Feb 20 | 540376
5%₹718 Cr1,958,000
↓ -18,622
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL
5%₹697 Cr4,284,654
↓ -126,501
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 17 | SUNPHARMA
5%₹640 Cr3,672,417
↑ 165,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
4%₹548 Cr5,558,385
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 18 | LT
4%₹548 Cr1,535,066
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
4%₹514 Cr2,731,994
↓ -60,450
Reliance Industries Ltd (Energy)
Equity, Since 31 May 20 | RELIANCE
3%₹462 Cr3,650,000

2. Canara Robeco Equity Tax Saver

(ELSS Scheme) Seeking to provide long term capital appreciation by predominantly investing in equities and to facilitate the subscribers to seek tax benefits as provided under Section 80 C of the Income Tax Act, 1961. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Equity Tax Saver is a Equity - ELSS fund was launched on 2 Feb 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.5% since its launch.  Ranked 36 in ELSS category.  Return for 2024 was 17.5% , 2023 was 23.7% and 2022 was -0.2% .

Below is the key information for Canara Robeco Equity Tax Saver

Canara Robeco Equity Tax Saver
Growth
Launch Date 2 Feb 09
NAV (07 Mar 25) ₹154.47 ↓ -0.39   (-0.25 %)
Net Assets (Cr) ₹8,376 on 31 Jan 25
Category Equity - ELSS
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.74
Sharpe Ratio 0.45
Information Ratio -0.66
Alpha Ratio 2.22
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
29 Feb 20₹10,000
28 Feb 21₹13,450
28 Feb 22₹15,988
28 Feb 23₹16,182
29 Feb 24₹21,349
28 Feb 25₹21,577

Canara Robeco Equity Tax Saver 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

Returns for Canara Robeco Equity Tax Saver

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25

DurationReturns
1 Month -6.2%
3 Month -13.3%
6 Month -13%
1 Year 2.4%
3 Year 14.1%
5 Year 17.6%
Since launch 18.5%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 17.5%
2022 23.7%
2021 -0.2%
2020 35.1%
2019 27.4%
2018 10.7%
2017 2.7%
2016 32%
2015 0%
2014 0.6%
Fund Manager information for Canara Robeco Equity Tax Saver
NameSinceTenure
Vishal Mishra26 Jun 213.68 Yr.
Shridatta Bhandwaldar1 Oct 195.42 Yr.

Data below for Canara Robeco Equity Tax Saver as on 31 Jan 25

Equity Sector Allocation
SectorValue
Financial Services26.61%
Consumer Cyclical14.6%
Industrials11.29%
Technology9.8%
Health Care6.28%
Consumer Defensive6.27%
Basic Materials5.79%
Energy5.47%
Utility3.95%
Communication Services3.58%
Real Estate1.97%
Asset Allocation
Asset ClassValue
Cash4.39%
Equity95.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 08 | HDFCBANK
7%₹575 Cr3,387,584
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK
6%₹542 Cr4,326,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 18 | INFY
5%₹406 Cr2,161,310
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 19 | RELIANCE
4%₹299 Cr2,362,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 21 | BHARTIARTL
3%₹263 Cr1,615,000
↓ -175,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 20 | LT
3%₹228 Cr639,369
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 May 19 | 500034
2%₹196 Cr247,950
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
2%₹193 Cr2,495,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
2%₹183 Cr5,650,988
UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Apr 21 | 532538
2%₹155 Cr135,000

3. BOI AXA Tax Advantage Fund

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 CAGR/Annualized return of 18% since its launch.  Ranked 13 in ELSS category.  Return for 2024 was 21.6% , 2023 was 34.8% and 2022 was -1.3% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (07 Mar 25) ₹142.8 ↑ 0.06   (0.04 %)
Net Assets (Cr) ₹1,330 on 31 Jan 25
Category Equity - ELSS
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Moderately High
Expense Ratio 2.37
Sharpe Ratio 0.11
Information Ratio 0.27
Alpha Ratio -1.68
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
29 Feb 20₹10,000
28 Feb 21₹13,503
28 Feb 22₹16,481
28 Feb 23₹16,957
29 Feb 24₹25,831
28 Feb 25₹23,664

BOI AXA 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 ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for BOI AXA 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 7 Mar 25

DurationReturns
1 Month -6.6%
3 Month -18.7%
6 Month -16.5%
1 Year -5.7%
3 Year 17.1%
5 Year 20.4%
Since launch 18%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 21.6%
2022 34.8%
2021 -1.3%
2020 41.5%
2019 31.2%
2018 14.6%
2017 -16.3%
2016 57.7%
2015 -1.2%
2014 2.1%
Fund Manager information for BOI AXA Tax Advantage Fund
NameSinceTenure
Alok Singh27 Apr 222.84 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Jan 25

Equity Sector Allocation
SectorValue
Financial Services25.81%
Technology16.35%
Industrials15.67%
Basic Materials14.33%
Utility6.62%
Consumer Cyclical4.9%
Health Care4.29%
Consumer Defensive3.79%
Real Estate2.87%
Communication Services1.35%
Energy1.1%
Asset Allocation
Asset ClassValue
Cash2.91%
Equity97.08%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
5%₹65 Cr839,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
5%₹60 Cr355,000
↓ -85,000
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
4%₹60 Cr1,353,000
Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE
4%₹53 Cr63,800
↑ 8,700
Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 543349
3%₹40 Cr165,620
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON
3%₹36 Cr24,000
↑ 6,000
Swan Energy Ltd (Industrials)
Equity, Since 29 Feb 24 | SWANENERGY
3%₹36 Cr650,000
↑ 50,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
3%₹36 Cr285,000
General Insurance Corp of India (Financial Services)
Equity, Since 29 Feb 24 | 540755
3%₹35 Cr850,696
NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN
3%₹34 Cr2,984,515

4. IDFC Tax Advantage (ELSS) Fund

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities. There can be no assurance that the investment objective of the scheme will be realised.

IDFC Tax Advantage (ELSS) Fund is a Equity - ELSS fund was launched on 26 Dec 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.5% since its launch.  Ranked 3 in ELSS category.  Return for 2024 was 13.1% , 2023 was 28.3% and 2022 was 4.2% .

Below is the key information for IDFC Tax Advantage (ELSS) Fund

IDFC Tax Advantage (ELSS) Fund
Growth
Launch Date 26 Dec 08
NAV (07 Mar 25) ₹136.77 ↑ 0.34   (0.25 %)
Net Assets (Cr) ₹6,620 on 31 Jan 25
Category Equity - ELSS
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.79
Sharpe Ratio -0.01
Information Ratio -0.33
Alpha Ratio -3.14
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
29 Feb 20₹10,000
28 Feb 21₹14,128
28 Feb 22₹17,704
28 Feb 23₹18,627
29 Feb 24₹25,992
28 Feb 25₹25,410

IDFC Tax Advantage (ELSS) Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for IDFC Tax Advantage (ELSS) Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25

DurationReturns
1 Month -4.6%
3 Month -10.6%
6 Month -12.6%
1 Year -1.3%
3 Year 15.9%
5 Year 21.6%
Since launch 17.5%
10 Year
15 Year
Historical performance (Yearly) on absolute basis
YearReturns
2023 13.1%
2022 28.3%
2021 4.2%
2020 49.2%
2019 18.7%
2018 1.9%
2017 -9.4%
2016 53.4%
2015 0.4%
2014 6.9%
Fund Manager information for IDFC Tax Advantage (ELSS) Fund
NameSinceTenure
Daylynn Pinto20 Oct 168.37 Yr.
Ritika Behera7 Oct 231.4 Yr.
Gaurav Satra10 Jun 240.72 Yr.

Data below for IDFC Tax Advantage (ELSS) Fund as on 31 Jan 25

Equity Sector Allocation
SectorValue
Financial Services29.96%
Technology10.03%
Consumer Defensive9.16%
Basic Materials8.85%
Consumer Cyclical8.12%
Industrials7.37%
Health Care7.13%
Energy6.53%
Communication Services3.04%
Utility2.05%
Real Estate1.56%
Asset Allocation
Asset ClassValue
Cash6.19%
Equity93.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK
7%₹459 Cr2,700,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | ICICIBANK
6%₹376 Cr3,000,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE
6%₹367 Cr2,900,000
↑ 200,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 532215
4%₹266 Cr2,700,000
↑ 100,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY
4%₹263 Cr1,400,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 21 | TCS
4%₹247 Cr600,000
↑ 100,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL
2%₹163 Cr1,000,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 24 | LT
2%₹143 Cr400,000
↑ 50,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | MARUTI
2%₹123 Cr100,000
CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 31 Aug 17 | 500093
2%₹121 Cr1,900,000

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
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