Table of Contents
ELSS ਇੱਕ ਓਪਨ-ਐਂਡ ਇਕੁਇਟੀ ਹੈਮਿਉਚੁਅਲ ਫੰਡ ਇਹ ਨਾ ਸਿਰਫ ਟੈਕਸ ਬਚਾਉਣ ਦੇ ਉਦੇਸ਼ਾਂ ਲਈ ਵਧੀਆ ਹੈ ਬਲਕਿ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ ਲਈ ਵਿਕਾਸ ਦੇ ਮੌਕੇ ਵੀ ਪੈਦਾ ਕਰਦਾ ਹੈ। ਇਹ ਸਕੀਮਾਂ ਭਾਰਤ ਸਰਕਾਰ ਦੁਆਰਾ ਲੋਕਾਂ ਵਿੱਚ ਲੰਬੇ ਸਮੇਂ ਦੇ ਨਿਵੇਸ਼ ਦੀ ਆਦਤ ਪੈਦਾ ਕਰਨ ਲਈ ਉਤਸ਼ਾਹਿਤ ਕੀਤੀਆਂ ਜਾਂਦੀਆਂ ਹਨ। ਜਿਵੇਂ ਕਿ ਨਾਮ ਤੋਂ ਸਪੱਸ਼ਟ ਹੈ, ਇਕੁਇਟੀ ਲਿੰਕਡ ਸੇਵਿੰਗਜ਼ ਸਕੀਮਾਂ ਵਿੱਚ ਫੰਡ ਦਾ ਵੱਡਾ ਹਿੱਸਾ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈਇਕੁਇਟੀ ਜਾਂ ਇਕੁਇਟੀ-ਸਬੰਧਤ ਉਤਪਾਦ। ਜਦੋਂ ਤੁਸੀਂ ਇਕੁਇਟੀ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾਉਂਦੇ ਹੋ ਤਾਂ ਇਸ ਤੋਂ ਪਹਿਲਾਂ ਨਿਵੇਸ਼ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਨੂੰ ਨਿਰਧਾਰਤ ਕਰਨਾ ਇੱਕ ਬੁੱਧੀਮਾਨ ਫੈਸਲਾ ਹੁੰਦਾ ਹੈਨਿਵੇਸ਼. ਇਹ ਇੱਕ ELSS ਕੈਲਕੁਲੇਟਰ ਵਜੋਂ ਜਾਣੇ ਜਾਂਦੇ ਇੱਕ ਸਾਧਨ ਦੁਆਰਾ ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈ।
ਇੱਕ ELSS ਕੈਲਕੁਲੇਟਰ ਇੱਕ ਬਹੁਤ ਹੀ ਮਦਦਗਾਰ ਟੂਲ ਹੈ ਜੋ ਇੱਕ ELSS ਸਕੀਮ ਵਿੱਚ ਸਭ ਤੋਂ ਵਧੀਆ ਨਿਵੇਸ਼ ਦੀ ਚੋਣ ਕਰਨ ਦੇ ਸਬੰਧ ਵਿੱਚ ਸਹੀ ਫੈਸਲੇ ਲੈਣ ਵਿੱਚ ਤੁਹਾਡੀ ਮਦਦ ਕਰਨ ਵਿੱਚ ਮਹੱਤਵਪੂਰਨ ਭੂਮਿਕਾ ਨਿਭਾਉਂਦਾ ਹੈ। T=ਤੁਸੀਂ ਇਹ ਮੁਲਾਂਕਣ ਕਰਨ ਦੇ ਯੋਗ ਹੋਵੋਗੇ ਕਿ ਨਿਵੇਸ਼ ਕਿੰਨਾ ਪ੍ਰਭਾਵਸ਼ਾਲੀ ਹੋਵੇਗਾ ਜਾਂ ਨਹੀਂ। ਤੁਹਾਡੇ ਦੁਆਰਾ ਚੁਣੀ ਗਈ ਸਕੀਮ ਦੀ ਕਿਸਮ 'ਤੇ ਨਿਰਭਰ ਕਰਦਿਆਂ, ਇੱਥੇ ਬਹੁਤ ਸਾਰੇ ELSS ਕੈਲਕੂਲੇਟਰ ਹਨ ਜਿਨ੍ਹਾਂ ਦੀ ਤੁਸੀਂ ਵਰਤੋਂ ਕਰ ਸਕਦੇ ਹੋ।
ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨsip ਕੈਲਕੁਲੇਟਰ ਤੁਹਾਡੀ ਇਤਿਹਾਸਕ ਕਾਰਗੁਜ਼ਾਰੀ ਬਾਰੇ ਸੂਝ ਪ੍ਰਦਾਨ ਕਰਨ ਲਈ ਇੱਕ ਮਹੱਤਵਪੂਰਨ ਸਾਧਨ ਹੈSIP. ਕੈਲਕੁਲੇਟਰ ਕੁਝ ਵੇਰਵਿਆਂ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਰੱਖਦਾ ਹੈ ਜਿਵੇਂ ਕਿ:
ਉਪਰੋਕਤ ਵੇਰਵਿਆਂ ਦੇ ਨਾਲ, ਇੱਕ ELSS SIP ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨ ਕੈਲਕੁਲੇਟਰ ਇੱਕ ਅੰਦਾਜ਼ਾ ਤਿਆਰ ਕਰੇਗਾ ਕਿ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੇ ਸਮੇਂ ਤੁਹਾਡੇ SIP ਨਿਵੇਸ਼ ਦੀ ਕੀਮਤ ਕਿੰਨੀ ਹੋਵੇਗੀ। ਅਜਿਹਾ ਮੁਲਾਂਕਣ ਇਹ ਨਿਰਧਾਰਤ ਕਰਨ ਦਾ ਇੱਕ ਚੰਗਾ ਸਾਧਨ ਹੈ ਕਿ ਇੱਕ ਫੰਡ ਵੱਖ-ਵੱਖ ਸਮੇਂ ਵਿੱਚ ਕਿਵੇਂ ਪ੍ਰਦਰਸ਼ਨ ਕਰਦਾ ਹੈਬਜ਼ਾਰ ਚੱਕਰ ਭਵਿੱਖ ਦੀਆਂ ਸੰਭਾਵਨਾਵਾਂ ਦੇ ਸੰਦਰਭ ਵਿੱਚ ਫੰਡ ਕਿੱਥੇ ਜਾ ਰਿਹਾ ਹੋ ਸਕਦਾ ਹੈ, ਇਹ ਪਤਾ ਲਗਾਉਣ ਲਈ ਲੰਬੇ ਸਮੇਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਵੀ ਇੱਕ ਚੰਗੀ ਸਮਝ ਹੈ। ਹਾਲਾਂਕਿ ਇਹ ਸਪੱਸ਼ਟ ਕੀਤਾ ਜਾਣਾ ਚਾਹੀਦਾ ਹੈ ਕਿ ਪਿਛਲੀਆਂ ਕਾਰਗੁਜ਼ਾਰੀਆਂ ਭਵਿੱਖ ਵਿੱਚ ਰਿਟਰਨ ਦੀ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਹਨ, ਫਿਰ ਵੀ ਉਹ ਇਹ ਦਰਸਾ ਕੇ ਮਦਦ ਕਰਦੇ ਹਨ ਕਿ ਪ੍ਰਤੀਕੂਲ ਬਜ਼ਾਰ ਦੀਆਂ ਸਥਿਤੀਆਂ ਦੌਰਾਨ ਫੰਡ ਕਿਵੇਂ ਰੱਖਿਆ ਗਿਆ ਹੈ।
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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 Below is the key information for Tata India Tax Savings Fund Returns up to 1 year are on 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 Below is the key information for L&T Tax Advantage Fund Returns up to 1 year are on 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 Below is the key information for Principal Tax Savings 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 1. Tata India Tax Savings Fund
CAGR/Annualized
return of 16.4% since its launch. Ranked 1 in ELSS
category. Return for 2023 was 24% , 2022 was 5.9% and 2021 was 30.4% . Tata India Tax Savings Fund
Growth Launch Date 13 Oct 14 NAV (14 Oct 24) ₹45.8317 ↑ 0.24 (0.52 %) Net Assets (Cr) ₹4,806 on 31 Aug 24 Category Equity - ELSS AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 2.17 Information Ratio 0.06 Alpha Ratio -4.17 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹9,703 30 Sep 21 ₹15,166 30 Sep 22 ₹15,457 30 Sep 23 ₹18,251 30 Sep 24 ₹25,536 Returns for Tata India Tax Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 14 Oct 24 Duration Returns 1 Month 0.1% 3 Month 4.7% 6 Month 19% 1 Year 36.9% 3 Year 16.5% 5 Year 20.7% 10 Year 15 Year Since launch 16.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 24% 2022 5.9% 2021 30.4% 2020 11.9% 2019 13.6% 2018 -8.4% 2017 46% 2016 2.1% 2015 13.3% 2014 Fund Manager information for Tata India Tax Savings Fund
Name Since Tenure Sailesh Jain 16 Dec 21 2.79 Yr. Tejas Gutka 9 Mar 21 3.57 Yr. Data below for Tata India Tax Savings Fund as on 31 Aug 24
Equity Sector Allocation
Sector Value Financial Services 29.58% Consumer Cyclical 16.44% Industrials 14.78% Basic Materials 7.53% Technology 7.11% Energy 5.55% Communication Services 5.01% Utility 3.9% Real Estate 3.3% Health Care 3.2% Consumer Defensive 1.62% Asset Allocation
Asset Class Value Cash 1.99% Equity 98.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK6% ₹299 Cr 1,725,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK5% ₹271 Cr 2,125,000 Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY4% ₹218 Cr 1,160,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE4% ₹199 Cr 675,000 State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN3% ₹171 Cr 2,175,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 19 | BHARTIARTL3% ₹161 Cr 940,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 5322153% ₹160 Cr 1,300,000 NTPC Ltd (Utilities)
Equity, Since 30 Jun 21 | 5325553% ₹153 Cr 3,451,000 Samvardhana Motherson International Ltd (Consumer Cyclical)
Equity, Since 30 Nov 22 | MOTHERSON3% ₹144 Cr 6,800,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 16 | LT3% ₹129 Cr 352,147 2. L&T Tax Advantage Fund
CAGR/Annualized
return of 15.2% since its launch. Ranked 7 in ELSS
category. Return for 2023 was 28.4% , 2022 was -3% and 2021 was 30.3% . L&T Tax Advantage Fund
Growth Launch Date 27 Feb 06 NAV (14 Oct 24) ₹139.219 ↑ 1.04 (0.75 %) Net Assets (Cr) ₹4,421 on 31 Aug 24 Category Equity - ELSS AMC L&T Investment Management Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 3.02 Information Ratio 0.18 Alpha Ratio 7.06 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,056 30 Sep 21 ₹15,100 30 Sep 22 ₹14,874 30 Sep 23 ₹17,549 30 Sep 24 ₹26,431 Returns for L&T Tax Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 14 Oct 24 Duration Returns 1 Month 1.5% 3 Month 6% 6 Month 23.2% 1 Year 50.9% 3 Year 18.7% 5 Year 22% 10 Year 15 Year Since launch 15.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 28.4% 2022 -3% 2021 30.3% 2020 13.5% 2019 4.6% 2018 -8.1% 2017 42.3% 2016 8.1% 2015 2.9% 2014 44.8% Fund Manager information for L&T Tax Advantage Fund
Name Since Tenure Gautam Bhupal 26 Nov 22 1.85 Yr. Sonal Gupta 21 Jul 21 3.2 Yr. Abhishek Gupta 1 Mar 24 0.59 Yr. Data below for L&T Tax Advantage Fund as on 31 Aug 24
Equity Sector Allocation
Sector Value Financial Services 23.1% Industrials 20.71% Consumer Cyclical 17.12% Technology 10.45% Basic Materials 6.44% Health Care 5.38% Energy 4.3% Utility 3.83% Consumer Defensive 3.66% Real Estate 2.84% Communication Services 1.78% Asset Allocation
Asset Class Value Cash 0.39% Equity 99.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | HDFCBANK4% ₹201 Cr 1,162,500 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 09 | ICICIBANK3% ₹147 Cr 1,155,500 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE3% ₹141 Cr 475,906
↓ -61,694 Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY3% ₹132 Cr 703,100 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 23 | 5002513% ₹120 Cr 158,100 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 22 | LT2% ₹111 Cr 301,450 Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 21 | PERSISTENT2% ₹101 Cr 184,700 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5433202% ₹95 Cr 3,493,588 Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN2% ₹92 Cr 258,300 KPIT Technologies Ltd (Technology)
Equity, Since 30 Sep 21 | KPITTECH2% ₹84 Cr 518,700 3. Principal Tax Savings Fund
CAGR/Annualized
return of 16.4% since its launch. Ranked 8 in ELSS
category. Return for 2023 was 24.5% , 2022 was 4.3% and 2021 was 32.1% . Principal Tax Savings Fund
Growth Launch Date 31 Mar 96 NAV (14 Oct 24) ₹510.046 ↑ 2.67 (0.53 %) Net Assets (Cr) ₹1,411 on 31 Aug 24 Category Equity - ELSS AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.26 Sharpe Ratio 2.28 Information Ratio -0.32 Alpha Ratio -1.84 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,061 30 Sep 21 ₹16,380 30 Sep 22 ₹16,746 30 Sep 23 ₹19,524 30 Sep 24 ₹26,268 Returns for Principal Tax Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 14 Oct 24 Duration Returns 1 Month -1% 3 Month 3.2% 6 Month 13% 1 Year 31.2% 3 Year 14.3% 5 Year 21.3% 10 Year 15 Year Since launch 16.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 24.5% 2022 4.3% 2021 32.1% 2020 18.9% 2019 2.5% 2018 -9.2% 2017 48.8% 2016 6.2% 2015 2.7% 2014 49.4% Fund Manager information for Principal Tax Savings Fund
Name Since Tenure Sudhir Kedia 29 Oct 19 4.93 Yr. Rohit Seksaria 1 Jan 22 2.75 Yr. Data below for Principal Tax Savings Fund as on 31 Aug 24
Equity Sector Allocation
Sector Value Financial Services 30.41% Industrials 12.54% Consumer Cyclical 10.94% Technology 9.81% Health Care 8.13% Energy 7.28% Consumer Defensive 6.7% Communication Services 5.87% Basic Materials 4.04% Utility 0.7% Real Estate 0.48% Asset Allocation
Asset Class Value Cash 3.08% Equity 96.92% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK7% ₹99 Cr 606,077 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 5321746% ₹81 Cr 661,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE6% ₹79 Cr 260,000 Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY4% ₹61 Cr 313,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 5322153% ₹37 Cr 311,000 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Aug 15 | SUNPHARMA3% ₹36 Cr 200,000 State Bank of India (Financial Services)
Equity, Since 30 Apr 05 | SBIN3% ₹36 Cr 444,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 13 | LT3% ₹36 Cr 96,021 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Nov 21 | 8901572% ₹34 Cr 283,000 Force Motors Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | 5000332% ₹32 Cr 39,000 4. BOI AXA Tax Advantage Fund
CAGR/Annualized
return of 20% since its launch. Ranked 13 in ELSS
category. Return for 2023 was 34.8% , 2022 was -1.3% and 2021 was 41.5% . BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (14 Oct 24) ₹172.82 ↑ 0.88 (0.51 %) Net Assets (Cr) ₹1,487 on 31 Aug 24 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.37 Sharpe Ratio 2.86 Information Ratio 0.4 Alpha Ratio 6.66 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹11,623 30 Sep 21 ₹19,271 30 Sep 22 ₹18,776 30 Sep 23 ₹23,034 30 Sep 24 ₹33,573 Returns for BOI AXA Tax Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 14 Oct 24 Duration Returns 1 Month 0.2% 3 Month -1.9% 6 Month 11.2% 1 Year 45% 3 Year 17.4% 5 Year 27.2% 10 Year 15 Year Since launch 20% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 44% Fund Manager information for BOI AXA Tax Advantage Fund
Name Since Tenure Alok Singh 27 Apr 22 2.43 Yr. Data below for BOI AXA Tax Advantage Fund as on 31 Aug 24
Equity Sector Allocation
Sector Value Financial Services 25.45% Industrials 16.75% Basic Materials 15.78% Technology 9.84% Consumer Cyclical 5.75% Energy 5.35% Utility 4.89% Consumer Defensive 3.9% Health Care 3.43% Real Estate 1.6% Communication Services 1.01% Asset Allocation
Asset Class Value Cash 6.21% Equity 93.75% Debt 0.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK5% ₹73 Cr 420,000
↑ 130,000 Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 5002954% ₹62 Cr 1,211,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN4% ₹59 Cr 752,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | OIL3% ₹46 Cr 790,000
↓ -163,000 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325553% ₹42 Cr 955,000 Prudent Corporate Advisory Services Ltd (Financial Services)
Equity, Since 31 Oct 23 | 5435272% ₹34 Cr 130,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE2% ₹34 Cr 114,000 General Insurance Corp of India (Financial Services)
Equity, Since 29 Feb 24 | GICRE2% ₹34 Cr 850,696
↑ 490,696 Tata Power Co Ltd (Utilities)
Equity, Since 31 Aug 23 | 5004002% ₹30 Cr 627,000
↑ 68,000 Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433492% ₹30 Cr 172,000
↑ 16,000