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4 بہترین ٹیکس بچانے والے ELSS میوچل فنڈز FY 22 - 23

Updated on March 29, 2025 , 10607 views

ای ایل ایس ایس (ایکویٹی لنکڈ سیونگ سکیم) ٹیکس بچانے کے بہترین آپشنز میں سے ایک ہے جو آپ کو بہت سارے پیسے بچانے میں مدد کرتی ہے۔انکم ٹیکس کمائی کے ساتھ ساتھسرمایہ سرمایہ کاری کی تعریف

ٹیکس بچانے والے ELSS فنڈز INR 1,50 تک ٹیکس چھوٹ کی اجازت دیتے ہیں،000 کے تحتسیکشن 80 سی کےآمدنی ٹیکس ایکٹ۔ لہذا، کی طرف سےسرمایہ کاری ان ٹیکس کی بچت میںباہمی چندہیہاں تک کہ 30% کے سب سے زیادہ ٹیکس بریکٹ میں سرمایہ کار بھی اچھے منافع کمانے کے ساتھ ایک خاص مالی سال کے لیے تقریباً INR 46,000 کی ٹیکس چھوٹ حاصل کر سکتے ہیں۔

Tax-Savings

ELSS ہیں۔مارکیٹ- منسلک سرمایہ کاری، آپ کو مشورہ دیا جاتا ہے کہ آپ ان فنڈز میں دانشمندی سے سرمایہ کاری کریں تاکہ طویل مدتی نقصانات اور خطرات سے بچا جا سکے۔

مالی سال 22 - 23 ELSS فنڈز میں سرمایہ کاری کے فوائد

  • ELSS میوچل فنڈز INR 1,50,000 تک ٹیکس میں چھوٹ فراہم کرتے ہیں۔
  • ریٹرن دوسرے کی طرف سے پیش کردہ ریٹرن سے بہت زیادہ ہیں۔ٹیکس کی بچت کی سرمایہ کاری اختیارات.
  • ELSS میں 3 سال کی مختصر ترین لاک ان مدت ہوتی ہے، جو ٹیکس بچانے والی دیگر سرمایہ کاری کے مقابلے میں نسبتاً بہت کم ہے۔
  • ELSS فنڈز کے ذریعے سرمایہ کاری کرنے کا آپشن پیش کرتے ہیں۔گھونٹ، لہذا سرمایہ کار ماہانہ چھوٹی رقم کی سرمایہ کاری کرکے آسانی سے اپنی ELSS سرمایہ کاری کا انتظام کرسکتے ہیں۔

مذکورہ بالا تمام عوامل ELSS کو ٹیکس بچانے کے بہترین اختیارات میں سے ایک بناتے ہیں۔

اگر آپ سرمایہ کاری کرنے کی منصوبہ بندی کر رہے ہیں، تو SIP (Systeticسرمایہ کاری کا منصوبہ) میں سے ایک ہےپیسہ لگانے کے بہترین طریقے ELSS میں باقاعدگی سے سرمایہ کاری کی عادت آپ کے پورٹ فولیو کو نظم و ضبط اور متوازن رکھتی ہے۔ نیز، ٹیکس کیلنڈر کے آخری لمحات میں یکمشت رقم کا بندوبست کرنے کی پریشانی ختم ہو جاتی ہے۔ ایس آئی پی میں، آپ سرمایہ کاری کی رقم طے کر سکتے ہیں، جو کہ کم از کم روپے ہو سکتی ہے۔ 500، اور ایک تاریخ جہاں آپ کی رقم آپ کے پیسے سے خود بخود کٹوتی کی جائے گی۔بینک ELSS فنڈز میں اکاؤنٹ۔

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ELSS فنڈز میں آن لائن سرمایہ کاری کیسے کریں؟

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ٹاپ 4 بہترین کارکردگی کا مظاہرہ کرنے والے ٹیکس بچانے والے ELSS میوچل فنڈز

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 ₹863.28
↓ -0.10
₹12,744-1.4-10.38.513.325.716.419
Canara Robeco Equity Tax Saver Growth ₹161.15
↓ -0.01
₹7,717-5.6-11.9712.424.317.518.8
BOI AXA Tax Advantage Fund Growth ₹149.78
↓ -0.65
₹1,182-11.3-15.1-0.116.127.221.618.3
IDFC Tax Advantage (ELSS) Fund Growth ₹141.265
↓ -0.01
₹6,232-4.1-11.92.81330.413.117.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 25
*اوپر کی فہرست ہے۔بہترین elss میوچل فنڈز اوپر خالص اثاثے رکھنے والے100 کروڑ لانچ / آغاز کے بعد سے سالانہ ریٹرن پر ترتیب دیا گیا ہے۔

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 19% 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 (31 Mar 25) ₹863.28 ↓ -0.10   (-0.01 %)
Net Assets (Cr) ₹12,744 on 28 Feb 25
Category Equity - ELSS
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.87
Sharpe Ratio -0.22
Information Ratio -0.12
Alpha Ratio 2.16
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹17,530
31 Mar 22₹21,619
31 Mar 23₹21,032
31 Mar 24₹28,975
31 Mar 25₹31,434

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 ₹570,326.
Net Profit of ₹270,326
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 31 Mar 25

DurationReturns
1 Month 7.2%
3 Month -1.4%
6 Month -10.3%
1 Year 8.5%
3 Year 13.3%
5 Year 25.7%
Since launch 19%
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 231.53 Yr.
Sharmila D’mello31 Jul 222.67 Yr.

Data below for ICICI Prudential Long Term Equity Fund (Tax Saving) as on 28 Feb 25

Equity Sector Allocation
SectorValue
Financial Services32%
Consumer Cyclical14.91%
Health Care11.44%
Industrials7.69%
Communication Services6.25%
Consumer Defensive6%
Energy5.42%
Technology3.59%
Utility3.57%
Basic Materials3.16%
Real Estate0.83%
Asset Allocation
Asset ClassValue
Cash5.13%
Equity94.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK
9%₹1,194 Cr9,918,908
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK
8%₹1,065 Cr6,147,320
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL
5%₹636 Cr4,050,711
↓ -233,943
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI
5%₹627 Cr524,569
↓ -88,134
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 17 | SUNPHARMA
5%₹612 Cr3,843,010
↑ 170,593
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 29 Feb 20 | 540376
5%₹610 Cr1,792,278
↓ -165,722
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
4%₹564 Cr5,558,385
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 18 | LT
4%₹518 Cr1,638,689
↑ 103,623
Reliance Industries Ltd (Energy)
Equity, Since 31 May 20 | RELIANCE
4%₹450 Cr3,750,000
↑ 100,000
NTPC Ltd (Utilities)
Equity, Since 31 Oct 23 | 532555
3%₹430 Cr13,814,273
↑ 700,000

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 18.8% 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 (31 Mar 25) ₹161.15 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹7,717 on 28 Feb 25
Category Equity - ELSS
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.74
Sharpe Ratio -0.32
Information Ratio -0.69
Alpha Ratio 1.26
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹17,361
31 Mar 22₹20,883
31 Mar 23₹20,772
31 Mar 24₹27,703
31 Mar 25₹29,640

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 ₹556,833.
Net Profit of ₹256,833
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 31 Mar 25

DurationReturns
1 Month 7%
3 Month -5.6%
6 Month -11.9%
1 Year 7%
3 Year 12.4%
5 Year 24.3%
Since launch 18.8%
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 28 Feb 25

Equity Sector Allocation
SectorValue
Financial Services28.14%
Consumer Cyclical14.21%
Industrials10.95%
Technology9.03%
Health Care6.67%
Consumer Defensive5.99%
Basic Materials5.54%
Energy5.53%
Utility3.92%
Communication Services3.68%
Real Estate1.88%
Asset Allocation
Asset ClassValue
Cash4.45%
Equity95.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 08 | HDFCBANK
8%₹594 Cr3,427,584
↑ 40,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK
7%₹525 Cr4,361,000
↑ 35,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 18 | INFY
5%₹373 Cr2,211,310
↑ 50,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 19 | RELIANCE
4%₹283 Cr2,362,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 21 | BHARTIARTL
3%₹254 Cr1,615,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 May 19 | 500034
3%₹212 Cr247,950
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 20 | LT
3%₹205 Cr649,369
↑ 10,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
2%₹176 Cr5,650,988
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
2%₹174 Cr2,525,000
↑ 30,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 532215
2%₹158 Cr1,553,000
↑ 25,000

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 18.3% 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 (28 Mar 25) ₹149.78 ↓ -0.65   (-0.43 %)
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.

DateValue
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

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 ₹598,181.
Net Profit of ₹298,181
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 31 Mar 25

DurationReturns
1 Month 11%
3 Month -11.3%
6 Month -15.1%
1 Year -0.1%
3 Year 16.1%
5 Year 27.2%
Since launch 18.3%
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 222.85 Yr.

Data below for BOI AXA Tax Advantage Fund as on 28 Feb 25

Equity Sector Allocation
SectorValue
Financial Services25.03%
Technology15.87%
Basic Materials14.62%
Industrials14.46%
Utility6.52%
Consumer Cyclical5.47%
Health Care3.84%
Consumer Defensive3.77%
Real Estate2.69%
Communication Services2.01%
Energy1.38%
Asset Allocation
Asset ClassValue
Cash4.34%
Equity95.65%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
5%₹62 Cr355,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
5%₹58 Cr839,000
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
5%₹56 Cr1,412,000
↑ 59,000
Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE
4%₹48 Cr65,600
↑ 1,800
Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 543349
3%₹35 Cr161,471
↓ -4,149
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
3%₹34 Cr285,000
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON
3%₹33 Cr24,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
3%₹30 Cr955,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
2%₹27 Cr86,000
↑ 6,000
Swan Energy Ltd (Industrials)
Equity, Since 29 Feb 24 | SWANENERGY
2%₹27 Cr650,000

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 17.7% 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 (31 Mar 25) ₹141.265 ↓ -0.01   (-0.01 %)
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.

DateValue
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

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 ₹642,208.
Net Profit of ₹342,208
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 31 Mar 25

DurationReturns
1 Month 5.8%
3 Month -4.1%
6 Month -11.9%
1 Year 2.8%
3 Year 13%
5 Year 30.4%
Since launch 17.7%
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 28 Feb 25

Equity Sector Allocation
SectorValue
Financial Services31.46%
Technology8.99%
Basic Materials8.87%
Consumer Defensive8.17%
Consumer Cyclical8.12%
Health Care7.38%
Energy6.87%
Industrials6.12%
Communication Services3.08%
Utility2.17%
Real Estate1.34%
Asset Allocation
Asset ClassValue
Cash7.41%
Equity92.59%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK
8%₹494 Cr2,850,000
↑ 150,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE
6%₹372 Cr3,100,000
↑ 200,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | ICICIBANK
5%₹325 Cr2,700,000
↓ -300,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 532215
5%₹284 Cr2,800,000
↑ 100,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 21 | TCS
4%₹235 Cr675,000
↑ 75,000
Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY
4%₹228 Cr1,350,000
↓ -50,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL
3%₹157 Cr1,000,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | KOTAKBANK
2%₹143 Cr750,000
↑ 200,000
Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 532286
2%₹128 Cr1,500,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 500034
2%₹128 Cr150,000

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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