Table of Contents
ਵਿੱਤੀ ਸਾਲ ਦੇ ਅੰਤ ਵਿੱਚ ਆਉਣ ਦੇ ਨਾਲ, ਇਹ ਤੁਹਾਡੀ ਸ਼ੁਰੂਆਤ ਕਰਨ ਦਾ ਸਮਾਂ ਹੈਟੈਕਸ ਯੋਜਨਾਬੰਦੀ. ਭਾਰਤ ਵਿੱਚ ਟੈਕਸ ਬਚਤ ਦੇ ਬਹੁਤ ਸਾਰੇ ਵਿਕਲਪਾਂ ਦੇ ਨਾਲ,ELSS ਸਭ ਤੋਂ ਵਧੀਆ ਹੈ ਕਿਉਂਕਿ ਉਹ ਟੈਕਸ ਬੱਚਤਾਂ ਤੋਂ ਇਲਾਵਾ ਲਾਭ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ।
ELSS ਜਾਂ ਇਕੁਇਟੀ ਲਿੰਕਡ ਸੇਵਿੰਗ ਸਕੀਮਾਂ 3 ਸਾਲਾਂ ਦੀ ਲੌਕ-ਇਨ ਪੀਰੀਅਡ ਨਾਲ ਆਉਂਦੀਆਂ ਹਨ, ਜੋ ਬਾਕੀ ਸਾਰੀਆਂ ਟੈਕਸ ਬੱਚਤਾਂ ਦੇ ਮੁਕਾਬਲੇ ਸਭ ਤੋਂ ਛੋਟੀ ਹੋਲਡਿੰਗ ਹੈ। ਨਾਲਨਿਵੇਸ਼ ELSS ਵਿੱਚ, ਕੋਈ INR 1,50 ਤੱਕ ਕਟੌਤੀਆਂ ਪ੍ਰਾਪਤ ਕਰ ਸਕਦਾ ਹੈ,000 ਉਹਨਾਂ ਦੇ ਟੈਕਸਯੋਗ ਤੋਂਆਮਦਨ ਦੇ ਅਨੁਸਾਰਧਾਰਾ 80C ਦੇਆਮਦਨ ਟੈਕਸ ਐਕਟ. ਜਿਵੇਂ ਕਿ, ELSS ਫੰਡ ਇਕੁਇਟੀ ਅਤੇ ਸਬੰਧਤ ਉਤਪਾਦਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤੇ ਜਾ ਰਹੇ ਫੰਡ ਦੇ ਇੱਕ ਵੱਡੇ ਹਿੱਸੇ ਦੇ ਨਾਲ ਇਕੁਇਟੀ ਵਿਭਿੰਨਤਾ ਵਾਲੇ ਹੁੰਦੇ ਹਨ, ਉਹ ਇਕੁਇਟੀ ਰਿਟਰਨ ਵੀ ਪ੍ਰਦਾਨ ਕਰਦੇ ਹਨ। ਇਸਦਾ ਮਤਲਬ ਹੈ ਕਿ ਨਿਵੇਸ਼ਕ ਆਪਣੇ ਨਿਵੇਸ਼ਾਂ 'ਤੇ ਇਕੁਇਟੀ ਰਿਟਰਨ ਵੀ ਕਮਾ ਸਕਦੇ ਹਨ।
ਇਸ ਤੋਂ ਪਹਿਲਾਂ ਕਿ ਅਸੀਂ ਇਸ ਸਕੀਮ ਦੀਆਂ ਕੁਝ ਹੋਰ ਮਹੱਤਵਪੂਰਨ ਵਿਸ਼ੇਸ਼ਤਾਵਾਂ ਨੂੰ ਵੇਖੀਏ, ਆਓ ਸਭ ਤੋਂ ਵਧੀਆ ELSS ਟੈਕਸ ਬੱਚਤ ਦੀ ਜਾਂਚ ਕਰੀਏਮਿਉਚੁਅਲ ਫੰਡ 2022 - 2023 ਲਈ।
ELSS ਦੇ ਹੋਰ ਮੁੱਖ ਫਾਇਦੇ ਹਨ:
ਬਜਟ 2018 ਦੇ ਅਨੁਸਾਰ, ELSS ਲੰਬੇ ਸਮੇਂ ਲਈ ਆਕਰਸ਼ਿਤ ਕਰੇਗਾਪੂੰਜੀ ਲਾਭ (LTCG)। ਲੰਬੇ ਸਮੇਂ ਦੇ ਤਹਿਤ ਨਿਵੇਸ਼ਕਾਂ 'ਤੇ 10% (ਬਿਨਾਂ ਸੂਚਕਾਂਕ ਦੇ) ਟੈਕਸ ਲਗਾਇਆ ਜਾਵੇਗਾਪੂੰਜੀ ਲਾਭ ਟੈਕਸ INR 1 ਲੱਖ ਤੱਕ ਦੇ ਲਾਭ ਟੈਕਸ ਮੁਕਤ ਹਨ। INR 1 ਲੱਖ ਤੋਂ ਵੱਧ ਦੇ ਲਾਭਾਂ 'ਤੇ 10% ਟੈਕਸ ਲਾਗੂ ਹੁੰਦਾ ਹੈ।
ਲੈ ਕੇ ਏSIP ਰੂਟ, ਨਿਵੇਸ਼ਕ INR 500 ਤੋਂ ਘੱਟ ਰਕਮ ਦਾ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨ। ਇਹ ਕਿਸੇ ਵਿਅਕਤੀ ਨੂੰ ਕਰਨ ਦੀ ਇਜਾਜ਼ਤ ਦਿੰਦਾ ਹੈਪੈਸੇ ਬਚਾਓ ਇੱਕਮੁਸ਼ਤ ਦੀ ਬਜਾਏ ਹਰ ਮਹੀਨੇ।
ਕਿਉਂਕਿ ਇਹ ਮਿਉਚੁਅਲ ਫੰਡ ਇਕੁਇਟੀ-ਸਬੰਧਤ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ, ਤੁਹਾਡੇ ਦੁਆਰਾ ਨਿਵੇਸ਼ ਕੀਤਾ ਪੈਸਾ ਸਟਾਕ ਦੇ ਰੂਪ ਵਿੱਚ ਵਧਦਾ ਹੈਬਜ਼ਾਰ ਵਧਦਾ ਹੈ ਇਸ ਲਈ, ELSS ਫੰਡਾਂ ਵਿੱਚ ਲਾਭ ਵਧੇਰੇ ਹਨ।
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Fund NAV Net Assets (Cr) Rating 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) IDFC Tax Advantage (ELSS) Fund Growth ₹139.811
↓ -1.45 ₹6,232 ☆☆☆☆☆ -5.5 -12.8 0.8 12.2 30.8 13.1 HDFC Tax Saver Fund Growth ₹1,291.67
↓ -14.85 ₹14,671 ☆☆ -2.7 -8.6 10.2 20.1 30.4 21.3 DSP BlackRock Tax Saver Fund Growth ₹129.54
↓ -1.69 ₹14,981 ☆☆☆☆ -4.4 -10.5 13.8 16.9 29.3 23.9 Franklin India Taxshield Growth ₹1,355.35
↓ -20.09 ₹5,986 ☆☆ -7.9 -11.7 6.2 16.3 29 22.4 Motilal Oswal Long Term Equity Fund Growth ₹44.8967
↓ -0.78 ₹3,405 -19.8 -18 7.4 20.8 28 47.7 JM Tax Gain Fund Growth ₹44.1184
↓ -0.54 ₹167 ☆☆☆ -10.6 -16.1 7.8 15.8 27.6 29 BOI AXA Tax Advantage Fund Growth ₹148.38
↓ -1.40 ₹1,182 ☆☆☆ -11.6 -15.4 -2.7 14.9 27.5 21.6 Nippon India Tax Saver Fund (ELSS) Growth ₹116.75
↓ -1.47 ₹13,354 ☆☆☆ -5.3 -12.9 5.2 14.3 27.1 17.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Apr 25
*ਉੱਪਰ ELSS ਦੀ ਸੂਚੀ ਹੈ -ਇਕੁਇਟੀ ਮਿਉਚੁਅਲ ਫੰਡ ਵਿਚਕਾਰ ਸ਼ੁੱਧ ਸੰਪਤੀ ਹੋਣ100 - 15000
ਪਿਛਲੇ 3 ਸਾਲਾਂ ਤੋਂ ਕਰੋੜ ਅਤੇ ਸੰਪਤੀਆਂ ਦਾ ਪ੍ਰਬੰਧਨ। ਪਿਛਲੇ 5 ਸਾਲਾਂ ਦੇ ਰਿਟਰਨਾਂ 'ਤੇ ਛਾਂਟੀ ਕੀਤੀ ਗਈਸਾਲਾਨਾ/ਸੀ.ਏ.ਜੀ.ਆਰ
ਆਧਾਰ.
ਆਮ ਤੌਰ 'ਤੇ, ELSS ਮਿਉਚੁਅਲ ਫੰਡ ਹਰ ਕਿਸਮ ਦੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਢੁਕਵੇਂ ਹੁੰਦੇ ਹਨ ਜੋ ਟੈਕਸ ਯੋਜਨਾਬੰਦੀ ਅਤੇ ਪੈਸੇ ਦੀ ਬੱਚਤ ਲਈ ਮਾਰਕੀਟ ਨਾਲ ਜੁੜੇ ਜੋਖਮ ਲੈਣ ਲਈ ਤਿਆਰ ਹੁੰਦੇ ਹਨ। ਕੋਈ ਵੀ ਵਿਅਕਤੀ ਆਪਣੇ ਜੀਵਨ ਦੇ ਕਿਸੇ ਵੀ ਸਮੇਂ ELSS ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦਾ ਹੈ। ਹਾਲਾਂਕਿ, ਤੁਹਾਡੇ ਕੈਰੀਅਰ ਦੇ ਸ਼ੁਰੂਆਤੀ ਪੜਾਅ ਦੌਰਾਨ ਟੈਕਸ ਬਚਾਉਣ ਵਾਲੇ ELSS ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦਾ ਸੁਝਾਅ ਦਿੱਤਾ ਜਾਂਦਾ ਹੈ ਤਾਂ ਜੋ ਸਮੇਂ ਦੇ ਨਾਲ ਤੁਹਾਡਾ ਪੈਸਾ ਵਧੇ ਅਤੇ ਤੁਸੀਂ ਬਿਹਤਰ ਰਿਟਰਨ ਕਮਾ ਸਕੋ।
ਇਸ ਲਈ, ਟੈਕਸ ਬਚਾਓ ਅਤੇ ਨਿਵੇਸ਼ ਕਰਕੇ ਇੱਕੋ ਸਮੇਂ ਦੋਵਾਂ ਵਿੱਚ ਚੰਗੀ ਰਿਟਰਨ ਕਮਾਓਸਰਬੋਤਮ ਐਲਐਸ ਫੰਡ. ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਪਤਾ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈ ਕਿ ELSS ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤੀ ਰਕਮ 3 ਸਾਲਾਂ ਲਈ ਬੰਦ ਹੈ।
ਨਿਵੇਸ਼ਕ ELSS ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ SIP (ਸਿਸਟਮੈਟਿਕ) ਦੇ ਇੱਕਮੁਸ਼ਤ (ਇਕ ਵਾਰ) ਵਜੋਂ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨਨਿਵੇਸ਼ ਯੋਜਨਾ). ਸ਼ੁਰੂਆਤ ਕਰਨ ਵਾਲਿਆਂ ਨੂੰ ਇਹ ਸਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ ਕਿ ਉਹ ਆਮ ਤੌਰ 'ਤੇ SIP ਦੀ ਵਰਤੋਂ ਕਰਕੇ ਨਿਵੇਸ਼ ਕਰਨ ਕਿਉਂਕਿ ਇਹ ਉਨ੍ਹਾਂ ਲਈ ਬਿਹਤਰ ਹੈ।
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 Below is the key information for IDFC Tax Advantage (ELSS) Fund Returns up to 1 year are on 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 Below is the key information for HDFC Tax Saver Fund Returns up to 1 year are on The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors to avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. DSP BlackRock Tax Saver Fund is a Equity - ELSS fund was launched on 18 Jan 07. It is a fund with Moderately High risk and has given a Below is the key information for DSP BlackRock Tax Saver Fund Returns up to 1 year are on The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate Franklin India Taxshield is a Equity - ELSS fund was launched on 10 Apr 99. It is a fund with Moderately High risk and has given a Below is the key information for Franklin India Taxshield Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Long Term Fund) The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Long Term Equity Fund is a Equity - ELSS fund was launched on 21 Jan 15. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Long Term Equity Fund Returns up to 1 year are on The investment objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities and to enable investors a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns. JM Tax Gain Fund is a Equity - ELSS fund was launched on 31 Mar 08. It is a fund with Moderately High risk and has given a Below is the key information for JM Tax Gain 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 primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. However, there can be no assurance that the scheme’s
investment objective shall be achieved. Nippon India Tax Saver Fund (ELSS) is a Equity - ELSS fund was launched on 21 Sep 05. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Tax Saver Fund (ELSS) Returns up to 1 year are on 1. IDFC Tax Advantage (ELSS) Fund
CAGR/Annualized
return of 17.6% since its launch. Ranked 3 in ELSS
category. Return for 2024 was 13.1% , 2023 was 28.3% and 2022 was 4.2% . IDFC Tax Advantage (ELSS) Fund
Growth Launch Date 26 Dec 08 NAV (01 Apr 25) ₹139.811 ↓ -1.45 (-1.03 %) Net Assets (Cr) ₹6,232 on 28 Feb 25 Category Equity - ELSS AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.79 Sharpe Ratio -0.61 Information Ratio 0.05 Alpha Ratio -2.68 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 ₹19,952 31 Mar 22 ₹26,175 31 Mar 23 ₹26,363 31 Mar 24 ₹36,708 31 Mar 25 ₹37,731 Returns for IDFC Tax Advantage (ELSS) Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 4.7% 3 Month -5.5% 6 Month -12.8% 1 Year 0.8% 3 Year 12.2% 5 Year 30.8% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.1% 2023 28.3% 2022 4.2% 2021 49.2% 2020 18.7% 2019 1.9% 2018 -9.4% 2017 53.4% 2016 0.4% 2015 6.9% Fund Manager information for IDFC Tax Advantage (ELSS) Fund
Name Since Tenure Daylynn Pinto 20 Oct 16 8.37 Yr. Ritika Behera 7 Oct 23 1.4 Yr. Gaurav Satra 10 Jun 24 0.72 Yr. Data below for IDFC Tax Advantage (ELSS) Fund as on 28 Feb 25
Equity Sector Allocation
Sector Value Financial Services 31.46% Technology 8.99% Basic Materials 8.87% Consumer Defensive 8.17% Consumer Cyclical 8.12% Health Care 7.38% Energy 6.87% Industrials 6.12% Communication Services 3.08% Utility 2.17% Real Estate 1.34% Asset Allocation
Asset Class Value Cash 7.41% Equity 92.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK8% ₹494 Cr 2,850,000
↑ 150,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE6% ₹372 Cr 3,100,000
↑ 200,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | ICICIBANK5% ₹325 Cr 2,700,000
↓ -300,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 5322155% ₹284 Cr 2,800,000
↑ 100,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 21 | TCS4% ₹235 Cr 675,000
↑ 75,000 Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY4% ₹228 Cr 1,350,000
↓ -50,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL3% ₹157 Cr 1,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | KOTAKBANK2% ₹143 Cr 750,000
↑ 200,000 Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 5322862% ₹128 Cr 1,500,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 5000342% ₹128 Cr 150,000 2. HDFC Tax Saver Fund
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% . HDFC Tax Saver Fund
Growth Launch Date 31 Mar 96 NAV (01 Apr 25) ₹1,291.67 ↓ -14.85 (-1.14 %) Net Assets (Cr) ₹14,671 on 28 Feb 25 Category Equity - ELSS AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.75 Sharpe Ratio 0.04 Information Ratio 2.26 Alpha Ratio 5.15 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 ₹16,423 31 Mar 22 ₹20,701 31 Mar 23 ₹22,417 31 Mar 24 ₹32,645 31 Mar 25 ₹36,726 Returns for HDFC Tax Saver Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 5.2% 3 Month -2.7% 6 Month -8.6% 1 Year 10.2% 3 Year 20.1% 5 Year 30.4% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 21.3% 2023 33.2% 2022 10.5% 2021 35.3% 2020 5.8% 2019 3.7% 2018 -10.9% 2017 38.7% 2016 7.6% 2015 -6.2% Fund Manager information for HDFC Tax Saver Fund
Name Since Tenure Roshi Jain 13 Jan 22 3.13 Yr. Dhruv Muchhal 22 Jun 23 1.69 Yr. Data below for HDFC Tax Saver Fund as on 28 Feb 25
Equity Sector Allocation
Sector Value Financial Services 42.28% Consumer Cyclical 13.22% Health Care 10.25% Technology 6.34% Basic Materials 5.5% Industrials 5.4% Communication Services 5.37% Utility 1.71% Real Estate 1% Consumer Defensive 0.96% Energy 0.62% Asset Allocation
Asset Class Value Cash 7.02% Equity 92.64% Debt 0.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | HDFCBANK10% ₹1,525 Cr 8,800,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK10% ₹1,445 Cr 12,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5322159% ₹1,320 Cr 13,000,000 Cipla Ltd (Healthcare)
Equity, Since 31 Oct 09 | 5000875% ₹760 Cr 5,400,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 19 | BHARTIARTL5% ₹707 Cr 4,500,000
↓ -500,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 23 | KOTAKBANK5% ₹666 Cr 3,500,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | MARUTI4% ₹657 Cr 550,000 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jan 22 | SBILIFE4% ₹644 Cr 4,500,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH4% ₹528 Cr 3,350,000 JSW Steel Ltd (Basic Materials)
Equity, Since 30 Nov 24 | JSWSTEEL2% ₹285 Cr 3,000,000 3. DSP BlackRock Tax Saver Fund
CAGR/Annualized
return of 15.1% since its launch. Ranked 12 in ELSS
category. Return for 2024 was 23.9% , 2023 was 30% and 2022 was 4.5% . DSP BlackRock Tax Saver Fund
Growth Launch Date 18 Jan 07 NAV (01 Apr 25) ₹129.54 ↓ -1.69 (-1.29 %) Net Assets (Cr) ₹14,981 on 28 Feb 25 Category Equity - ELSS AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.78 Sharpe Ratio 0.07 Information Ratio 1.01 Alpha Ratio 6.92 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 ₹17,754 31 Mar 22 ₹21,728 31 Mar 23 ₹21,760 31 Mar 24 ₹30,533 31 Mar 25 ₹35,611 Returns for DSP BlackRock Tax Saver Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 6.6% 3 Month -4.4% 6 Month -10.5% 1 Year 13.8% 3 Year 16.9% 5 Year 29.3% 10 Year 15 Year Since launch 15.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.9% 2023 30% 2022 4.5% 2021 35.1% 2020 15% 2019 14.8% 2018 -7.6% 2017 36.3% 2016 11.3% 2015 4.4% Fund Manager information for DSP BlackRock Tax Saver Fund
Name Since Tenure Rohit Singhania 16 Jul 15 9.63 Yr. Data below for DSP BlackRock Tax Saver Fund as on 28 Feb 25
Equity Sector Allocation
Sector Value Financial Services 35.97% Health Care 10.11% Consumer Cyclical 9.45% Basic Materials 9.1% Technology 6.84% Industrials 6.8% Consumer Defensive 5.04% Communication Services 4.6% Utility 3.77% Energy 3.63% Asset Allocation
Asset Class Value Cash 4.68% Equity 95.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK9% ₹1,277 Cr 7,369,356 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 16 | ICICIBANK6% ₹917 Cr 7,618,202
↓ -318,386 Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 5322155% ₹746 Cr 7,344,442
↑ 544,928 State Bank of India (Financial Services)
Equity, Since 30 Jun 20 | SBIN4% ₹579 Cr 8,404,741 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | KOTAKBANK3% ₹520 Cr 2,734,913 Infosys Ltd (Technology)
Equity, Since 31 Mar 12 | INFY3% ₹450 Cr 2,666,937
↓ -693,080 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jul 19 | BHARTIARTL3% ₹395 Cr 2,517,085 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 24 | LT3% ₹377 Cr 1,192,711 HCL Technologies Ltd (Technology)
Equity, Since 31 Mar 21 | HCLTECH2% ₹358 Cr 2,270,114 Cipla Ltd (Healthcare)
Equity, Since 30 Apr 23 | 5000872% ₹339 Cr 2,410,446 4. Franklin India Taxshield
CAGR/Annualized
return of 20.8% since its launch. Ranked 28 in ELSS
category. Return for 2024 was 22.4% , 2023 was 31.2% and 2022 was 5.4% . Franklin India Taxshield
Growth Launch Date 10 Apr 99 NAV (01 Apr 25) ₹1,355.35 ↓ -20.09 (-1.46 %) Net Assets (Cr) ₹5,986 on 28 Feb 25 Category Equity - ELSS AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio -0.19 Information Ratio 1.13 Alpha Ratio 2.84 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 ₹17,793 31 Mar 22 ₹21,613 31 Mar 23 ₹22,171 31 Mar 24 ₹32,145 31 Mar 25 ₹35,012 Returns for Franklin India Taxshield
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 4.8% 3 Month -7.9% 6 Month -11.7% 1 Year 6.2% 3 Year 16.3% 5 Year 29% 10 Year 15 Year Since launch 20.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 22.4% 2023 31.2% 2022 5.4% 2021 36.7% 2020 9.8% 2019 5.1% 2018 -3% 2017 29.1% 2016 4.7% 2015 4% Fund Manager information for Franklin India Taxshield
Name Since Tenure R. Janakiraman 2 May 16 8.84 Yr. Rajasa Kakulavarapu 1 Dec 23 1.25 Yr. Data below for Franklin India Taxshield as on 28 Feb 25
Equity Sector Allocation
Sector Value Financial Services 30.86% Consumer Cyclical 13.13% Technology 10.95% Industrials 9.83% Health Care 6.41% Communication Services 5.59% Consumer Defensive 5.31% Basic Materials 4.65% Utility 4.03% Energy 3.03% Real Estate 1.63% Asset Allocation
Asset Class Value Cash 3.86% Equity 96.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK9% ₹565 Cr 3,260,417 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK9% ₹547 Cr 4,546,914 Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY5% ₹325 Cr 1,922,741 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL5% ₹308 Cr 1,963,637
↓ -250,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT5% ₹280 Cr 883,853 HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH4% ₹230 Cr 1,462,587 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 5322154% ₹229 Cr 2,252,948 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | 5433203% ₹167 Cr 7,500,000 United Spirits Ltd (Consumer Defensive)
Equity, Since 31 Oct 18 | UNITDSPR3% ₹164 Cr 1,276,457
↓ -298,543 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Nov 17 | KOTAKBANK3% ₹161 Cr 843,530 5. Motilal Oswal Long Term Equity Fund
CAGR/Annualized
return of 15.9% since its launch. Return for 2024 was 47.7% , 2023 was 37% and 2022 was 1.8% . Motilal Oswal Long Term Equity Fund
Growth Launch Date 21 Jan 15 NAV (01 Apr 25) ₹44.8967 ↓ -0.78 (-1.72 %) Net Assets (Cr) ₹3,405 on 28 Feb 25 Category Equity - ELSS AMC Motilal Oswal Asset Management Co. Ltd Rating Risk Moderately High Expense Ratio 0.74 Sharpe Ratio -0.05 Information Ratio 0.52 Alpha Ratio 6.88 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 ₹16,396 31 Mar 22 ₹18,690 31 Mar 23 ₹19,798 31 Mar 24 ₹30,510 31 Mar 25 ₹33,744 Returns for Motilal Oswal Long Term Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 8.7% 3 Month -19.8% 6 Month -18% 1 Year 7.4% 3 Year 20.8% 5 Year 28% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 47.7% 2023 37% 2022 1.8% 2021 32.1% 2020 8.8% 2019 13.2% 2018 -8.7% 2017 44% 2016 12.5% 2015 Fund Manager information for Motilal Oswal Long Term Equity Fund
Name Since Tenure Ajay Khandelwal 11 Dec 23 1.22 Yr. Rakesh Shetty 22 Nov 22 2.27 Yr. Atul Mehra 1 Oct 24 0.41 Yr. Data below for Motilal Oswal Long Term Equity Fund as on 28 Feb 25
Equity Sector Allocation
Sector Value Industrials 30.18% Consumer Cyclical 22.76% Financial Services 17.97% Technology 12.09% Real Estate 6.8% Basic Materials 6.36% Health Care 2.01% Asset Allocation
Asset Class Value Cash 1.83% Equity 98.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5433206% ₹220 Cr 9,923,692 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 5002516% ₹206 Cr 425,260 Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials)
Equity, Since 28 Feb 23 | FLUOROCHEM4% ₹147 Cr 408,886 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | KALYANKJIL4% ₹145 Cr 3,134,622 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Mar 24 | AMBER4% ₹132 Cr 235,044 Coforge Ltd (Technology)
Equity, Since 31 Jul 24 | COFORGE4% ₹124 Cr 168,355 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 23 | KAYNES4% ₹123 Cr 297,751 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | ICICIBANK4% ₹120 Cr 995,689 Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON4% ₹120 Cr 24,068,813 Inox Wind Ltd (Industrials)
Equity, Since 31 Dec 23 | INOXWIND4% ₹119 Cr 7,946,960 6. JM Tax Gain Fund
CAGR/Annualized
return of 9.1% since its launch. Ranked 18 in ELSS
category. Return for 2024 was 29% , 2023 was 30.9% and 2022 was 0.5% . JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (01 Apr 25) ₹44.1184 ↓ -0.54 (-1.22 %) Net Assets (Cr) ₹167 on 28 Feb 25 Category Equity - ELSS AMC JM Financial Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.4 Sharpe Ratio -0.09 Information Ratio 0.45 Alpha Ratio 5.72 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 ₹17,396 31 Mar 22 ₹21,099 31 Mar 23 ₹20,935 31 Mar 24 ₹30,269 31 Mar 25 ₹33,442 Returns for JM Tax Gain Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 5.2% 3 Month -10.6% 6 Month -16.1% 1 Year 7.8% 3 Year 15.8% 5 Year 27.6% 10 Year 15 Year Since launch 9.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 29% 2023 30.9% 2022 0.5% 2021 32.2% 2020 18.3% 2019 14.9% 2018 -4.6% 2017 42.6% 2016 5.2% 2015 -0.6% Fund Manager information for JM Tax Gain Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 0.41 Yr. Asit Bhandarkar 31 Dec 21 3.17 Yr. Chaitanya Choksi 18 Jul 14 10.63 Yr. Ruchi Fozdar 4 Oct 24 0.41 Yr. Data below for JM Tax Gain Fund as on 28 Feb 25
Equity Sector Allocation
Sector Value Financial Services 24.93% Consumer Cyclical 16.94% Basic Materials 12.3% Technology 11.78% Industrials 9.75% Health Care 9.45% Consumer Defensive 4.67% Communication Services 2.88% Utility 1.21% Asset Allocation
Asset Class Value Cash 4.75% Equity 95.25% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK6% ₹9 Cr 77,975
↑ 20,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK6% ₹9 Cr 54,131 Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY5% ₹8 Cr 45,965
↓ -2,500 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Jan 25 | 5329784% ₹7 Cr 35,500
↑ 3,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI3% ₹6 Cr 4,706 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | 5329773% ₹5 Cr 6,550 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN3% ₹5 Cr 72,900 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL3% ₹5 Cr 30,700 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT3% ₹5 Cr 14,447 CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC2% ₹4 Cr 43,600 7. BOI AXA Tax Advantage Fund
CAGR/Annualized
return of 18.2% since its launch. Ranked 13 in ELSS
category. Return for 2024 was 21.6% , 2023 was 34.8% and 2022 was -1.3% . BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (01 Apr 25) ₹148.38 ↓ -1.40 (-0.93 %) Net Assets (Cr) ₹1,182 on 28 Feb 25 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.37 Sharpe Ratio -0.75 Information Ratio 0.03 Alpha Ratio -6.98 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 ₹17,451 31 Mar 22 ₹21,638 31 Mar 23 ₹21,564 31 Mar 24 ₹33,320 31 Mar 25 ₹33,284 Returns for BOI AXA Tax Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 9.9% 3 Month -11.6% 6 Month -15.4% 1 Year -2.7% 3 Year 14.9% 5 Year 27.5% 10 Year 15 Year Since launch 18.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 21.6% 2023 34.8% 2022 -1.3% 2021 41.5% 2020 31.2% 2019 14.6% 2018 -16.3% 2017 57.7% 2016 -1.2% 2015 2.1% Fund Manager information for BOI AXA Tax Advantage Fund
Name Since Tenure Alok Singh 27 Apr 22 2.85 Yr. Data below for BOI AXA Tax Advantage Fund as on 28 Feb 25
Equity Sector Allocation
Sector Value Financial Services 25.03% Technology 15.87% Basic Materials 14.62% Industrials 14.46% Utility 6.52% Consumer Cyclical 5.47% Health Care 3.84% Consumer Defensive 3.77% Real Estate 2.69% Communication Services 2.01% Energy 1.38% Asset Allocation
Asset Class Value Cash 4.34% Equity 95.65% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK5% ₹62 Cr 355,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN5% ₹58 Cr 839,000 Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 5002955% ₹56 Cr 1,412,000
↑ 59,000 Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE4% ₹48 Cr 65,600
↑ 1,800 Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433493% ₹35 Cr 161,471
↓ -4,149 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK3% ₹34 Cr 285,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON3% ₹33 Cr 24,000 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325553% ₹30 Cr 955,000 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL2% ₹27 Cr 86,000
↑ 6,000 Swan Energy Ltd (Industrials)
Equity, Since 29 Feb 24 | SWANENERGY2% ₹27 Cr 650,000 8. Nippon India Tax Saver Fund (ELSS)
CAGR/Annualized
return of 13.4% since its launch. Ranked 16 in ELSS
category. Return for 2024 was 17.6% , 2023 was 28.6% and 2022 was 6.9% . Nippon India Tax Saver Fund (ELSS)
Growth Launch Date 21 Sep 05 NAV (01 Apr 25) ₹116.75 ↓ -1.47 (-1.25 %) Net Assets (Cr) ₹13,354 on 28 Feb 25 Category Equity - ELSS AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.72 Sharpe Ratio -0.34 Information Ratio 0.41 Alpha Ratio 0.7 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 ₹17,166 31 Mar 22 ₹21,256 31 Mar 23 ₹21,212 31 Mar 24 ₹30,167 31 Mar 25 ₹32,481 Returns for Nippon India Tax Saver Fund (ELSS)
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Apr 25 Duration Returns 1 Month 7.4% 3 Month -5.3% 6 Month -12.9% 1 Year 5.2% 3 Year 14.3% 5 Year 27.1% 10 Year 15 Year Since launch 13.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 17.6% 2023 28.6% 2022 6.9% 2021 37.6% 2020 -0.4% 2019 1.5% 2018 -20.7% 2017 46% 2016 4.2% 2015 -2.9% Fund Manager information for Nippon India Tax Saver Fund (ELSS)
Name Since Tenure Rupesh Patel 1 Jul 21 3.75 Yr. Ritesh Rathod 19 Aug 24 0.61 Yr. Kinjal Desai 25 May 18 6.86 Yr. Data below for Nippon India Tax Saver Fund (ELSS) as on 28 Feb 25
Equity Sector Allocation
Sector Value Financial Services 38.25% Consumer Cyclical 12.32% Industrials 11.23% Consumer Defensive 8.11% Technology 6.66% Utility 6.18% Energy 4.67% Basic Materials 4.18% Communication Services 4.12% Health Care 4.05% Asset Allocation
Asset Class Value Cash 0.23% Equity 99.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | ICICIBANK9% ₹1,156 Cr 9,600,000 HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 20 | HDFCBANK8% ₹1,022 Cr 5,900,000 Infosys Ltd (Technology)
Equity, Since 31 Mar 20 | INFY5% ₹658 Cr 3,900,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 20 | 5322154% ₹518 Cr 5,100,000
↑ 800,000 NTPC Ltd (Utilities)
Equity, Since 28 Feb 19 | 5325553% ₹452 Cr 14,500,000 State Bank of India (Financial Services)
Equity, Since 31 Dec 13 | SBIN3% ₹413 Cr 6,000,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 18 | LT3% ₹411 Cr 1,300,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 20 | RELIANCE3% ₹372 Cr 3,100,000 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 31 Oct 21 | 8901573% ₹368 Cr 3,300,000 Power Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 22 | 5328102% ₹332 Cr 9,111,111
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