2022-ലെ മികച്ച 3 മികച്ച പ്രകടനം നടത്തുന്ന ELSS (നികുതി ലാഭിക്കൽ) മ്യൂച്വൽ ഫണ്ടുകൾ | Fincash.com

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2022-ലെ 3 മികച്ച നികുതി ലാഭിക്കൽ ELSS മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on February 4, 2025 , 6895 views

മികച്ച മറ്റ് ഫണ്ടുകൾ അല്ലെങ്കിൽ ഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ്സ് സ്കീമുകൾ (ടാക്സ് സേവിംഗ്) ഇക്വിറ്റി വൈവിധ്യവൽക്കരിക്കപ്പെട്ടതാണ്മ്യൂച്വൽ ഫണ്ടുകൾ ഇക്വിറ്റി-ലിങ്ക്ഡ് ഇൻസ്ട്രുമെന്റുകളിൽ (ഷെയറുകളും സ്റ്റോക്കുകളും പോലുള്ളവ) പ്രധാനമായും നിക്ഷേപിക്കുന്നുവിപണി-ലിങ്ക്ഡ് റിട്ടേണുകൾ. സാധാരണഗതിയിൽ, ഫണ്ട് കോർപ്പസിന്റെ 80% ഇക്വിറ്റിയിലും ബാക്കിയുള്ളത് ഡെറ്റ് ഉപകരണങ്ങളിലും നിക്ഷേപിക്കുന്നു. മികച്ചത്ELSS ഫണ്ടുകൾക്ക് കീഴിൽ നികുതി ആനുകൂല്യങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നതിനാൽ നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകൾ എന്നും അറിയപ്പെടുന്നുസെക്ഷൻ 80 സി യുടെആദായ നികുതി നിയമം. മാത്രമല്ല, ELSS മ്യൂച്വൽ ഫണ്ടുകൾ ഓപ്പൺ-എൻഡാണ്, അതായത് നിക്ഷേപകർക്ക് ആവശ്യമുള്ളപ്പോൾ ഈ ഫണ്ടുകളിൽ സബ്‌സ്‌ക്രൈബ് ചെയ്യാം. എന്നിരുന്നാലും, മുമ്പ്നിക്ഷേപിക്കുന്നു ഈ നികുതി ലാഭിക്കൽ മ്യൂച്വൽ ഫണ്ടുകളിൽ, മികച്ച ELSS ഫണ്ടുകളുടെ ഒരു ലിസ്റ്റ് പരിഗണിക്കാൻ നിർദ്ദേശിക്കുന്നു.

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2022-ൽ നിക്ഷേപിക്കാനുള്ള മികച്ച 3 ELSS ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
Motilal Oswal Long Term Equity Fund Growth	₹47.3099 ↓ -0.84	₹4,415	-12.2	-0.1	20.8	20.2	19.4	47.7
DSP BlackRock Tax Saver Fund Growth	₹130.364 ↓ -0.31	₹16,610	-6.2	-2	15.2	16.5	19.8	23.9
L&T Tax Advantage Fund Growth	₹125.806 ↓ -0.88	₹4,313	-6.4	-0.1	18.7	16.2	17.3	33
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Feb 25

1. SBI Magnum Tax Gain Fund

To deliver the benefit of investment in a portfolio of equity shares, while offering deduction on such investment made in the scheme under section 80C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to avail Section 80C benefits.

SBI Magnum Tax Gain Fund is a Equity - ELSS fund was launched on 7 May 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.4% since its launch. Ranked 31 in ELSS category. Return for 2024 was 27.7% , 2023 was 40% and 2022 was 6.9% .

Below is the key information for SBI Magnum Tax Gain Fund

SBI Magnum Tax Gain Fund Growth
Launch Date	7 May 07
NAV (06 Feb 25)	₹414.901 ↓ -0.91 (-0.22 %)
Net Assets (Cr)	₹27,791 on 31 Dec 24
Category	Equity - ELSS
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	1.54
Information Ratio	2.15
Alpha Ratio	10.14
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹11,652
31 Jan 22	₹15,306
31 Jan 23	₹16,005
31 Jan 24	₹24,038
31 Jan 25	₹28,196

SBI Magnum Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for SBI Magnum Tax Gain Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 25

Duration	Returns
1 Month	-1.9%
3 Month	-5.1%
6 Month	-2.9%
1 Year	14.1%
3 Year	22.8%
5 Year	23%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	27.7%
2022	40%
2021	6.9%
2020	31%
2019	18.9%
2018	4%
2017	-8.3%
2016	33%
2015	2.1%
2014	3.2%

Fund Manager information for SBI Magnum Tax Gain Fund

Name	Since	Tenure
Dinesh Balachandran	10 Sep 16	8.4 Yr.

Data below for SBI Magnum Tax Gain Fund as on 31 Dec 24

Equity Sector Allocation

Sector	Value
Financial Services	24.39%
Technology	10.63%
Industrials	10.32%
Consumer Cyclical	8.97%
Energy	7.89%
Health Care	7.73%
Basic Materials	7.35%
Utility	4.59%
Consumer Defensive	4.18%
Communication Services	3.18%
Real Estate	1.05%

Asset Allocation

Asset Class	Value
Cash	9.58%
Equity	90.28%
Debt	0.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 07 \| HDFCBANK	7%	₹2,082 Cr	11,743,253
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 06 \| RELIANCE	4%	₹981 Cr	8,075,148
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| ICICIBANK	3%	₹951 Cr	7,416,237
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 17 \| BHARTIARTL	3%	₹883 Cr	5,563,576
Torrent Power Ltd (Utilities) Equity, Since 31 Jul 19 \| 532779	3%	₹771 Cr	5,186,766 ↑ 275,953
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| M&M	3%	₹756 Cr	2,515,083
State Bank of India (Financial Services) Equity, Since 31 May 06 \| SBIN	3%	₹742 Cr	9,335,639
Tata Steel Ltd (Basic Materials) Equity, Since 31 Oct 21 \| TATASTEEL	3%	₹718 Cr	52,000,000
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	3%	₹697 Cr	14,414,825
Tech Mahindra Ltd (Technology) Equity, Since 31 Jan 17 \| 532755	2%	₹645 Cr	3,780,741 ↑ 600,000

2. IDBI Equity Advantage Fund

The Scheme will seek to invest predominantly in a diversified portfolio of equity and equity related instruments with the objective to provide investors with opportunities for capital appreciation and income along with the benefit of income-tax deduction(under section 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to be eligible for income-tax benefits under Section 80C. There can be no assurance that the investment objective under the scheme will be realized.

IDBI Equity Advantage Fund is a Equity - ELSS fund was launched on 10 Sep 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16% since its launch. Ranked 21 in ELSS category. .

Below is the key information for IDBI Equity Advantage Fund

IDBI Equity Advantage Fund Growth
Launch Date	10 Sep 13
NAV (28 Jul 23)	₹43.39 ↑ 0.04 (0.09 %)
Net Assets (Cr)	₹485 on 30 Jun 23
Category	Equity - ELSS
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.39
Sharpe Ratio	1.21
Information Ratio	-1.13
Alpha Ratio	1.78
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,442
31 Jan 22	₹13,468
31 Jan 23	₹13,373

IDBI Equity Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for IDBI Equity 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 6 Feb 25

Duration	Returns
1 Month	3.1%
3 Month	9.7%
6 Month	15.1%
1 Year	16.9%
3 Year	20.8%
5 Year	10%
10 Year
15 Year
Since launch	16%

Historical performance (Yearly) on absolute basis

Year	Returns
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

Fund Manager information for IDBI Equity Advantage Fund

Name	Since	Tenure

Data below for IDBI Equity Advantage Fund as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. HDFC Tax Saver Fund

The fund plans to provide long term growth of capital.

HDFC Tax Saver 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 since its launch. Ranked 27 in ELSS category. Return for 2024 was 21.3% , 2023 was 33.2% and 2022 was 10.5% .

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (06 Feb 25)	₹1,304.75 ↓ -1.01 (-0.08 %)
Net Assets (Cr)	₹15,729 on 31 Dec 24
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	1.34
Information Ratio	1.79
Alpha Ratio	5.57
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 20	₹10,000
31 Jan 21	₹10,712
31 Jan 22	₹14,511
31 Jan 23	₹15,860
31 Jan 24	₹21,996
31 Jan 25	₹25,437

HDFC Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for HDFC Tax Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 25

Duration	Returns
1 Month	-1.1%
3 Month	-3.9%
6 Month	0%
1 Year	15.5%
3 Year	20.8%
5 Year	20.5%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2023	21.3%
2022	33.2%
2021	10.5%
2020	35.3%
2019	5.8%
2018	3.7%
2017	-10.9%
2016	38.7%
2015	7.6%
2014	-6.2%

Fund Manager information for HDFC Tax Saver Fund

Name	Since	Tenure
Roshi Jain	13 Jan 22	3.05 Yr.
Dhruv Muchhal	22 Jun 23	1.62 Yr.

Data below for HDFC Tax Saver Fund as on 31 Dec 24

Equity Sector Allocation

Sector	Value
Financial Services	40.15%
Health Care	11.9%
Consumer Cyclical	11.89%
Technology	7.32%
Communication Services	5.65%
Basic Materials	4.91%
Industrials	4.75%
Real Estate	1.4%
Utility	1.28%
Consumer Defensive	1.14%
Energy	0.53%

Asset Allocation

Asset Class	Value
Cash	8.76%
Equity	90.91%
Debt	0.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	10%	₹1,560 Cr	8,800,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	10%	₹1,538 Cr	12,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹1,235 Cr	11,600,000
Cipla Ltd (Healthcare) Equity, Since 31 Oct 09 \| 500087	5%	₹826 Cr	5,400,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	5%	₹794 Cr	5,000,000
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	4%	₹642 Cr	3,350,000 ↓ -254,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	4%	₹626 Cr	4,500,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	4%	₹625 Cr	3,500,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	4%	₹597 Cr	550,000
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	2%	₹358 Cr	4,500,000 ↓ -1,000,000

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.