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Best ELSS Fund in FY 2025-26
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Best ELSS Funds to invest in FY 2025-26

This Discussion is again a continuation of our discussion which we had las year, I Have kept the ELSS just 1 year discussion as this is the time most people start think about how to invest and take that tax benefit. Lets first give you peek to last year discussion click this link and you would can see what was status of the funds .

From the last fund discussion , the following funds are not part

  1. Franklin India ELSS tax saver fund
  2. Kotak ELSS Tax Saver Fund – Growth
  3. HSBC ELSS Tax Saver  Fund (G)
  4. Parag Parikh ELSS Tax Saver Fund (G)

In its place I have added

  1. Quantum ELSS Tax Saver Fund Reg (G)
  2. Mirae Asset ELSS Tax Saver Fund Reg (G)

This could be various reasons they have not performed at that level. AUM is Still small. Also i wanted to restrict to top 10 funds by returns. And than delve deeper to see what was the reason they performed . As i alway say and want you to be very aware about your asset allocations and you need to to understand which fund would fit in your portfolio , take help of an advisor .

You can book a call with us to help with financial planning and personal finance click this link and book your slot.
Fund Name Year Of inception Fund rating ( Crisil rated ) Portfolio Size ( In Cr ) Expense ratioPE ratios Exit LoadBenchmark
HDFC ELSS tax saver fund Regular Growth1996517194.61.722.393 years Lock-inNifty 500 TRI
Quantum ELSS Tax Saver Fund Reg (G)20084224.182.0918.983 years Lock-inBSE 500 TRI
Quant ELSS tax saver fund ( G)2000212444.111.6423.583 years Lock-inNifty 500 TRI
Mirae Asset ELSS Tax Saver Fund Reg (G)2015427069.091.5421.733 years Lock-inNifty 500 TRI
SBI long term equity Regular Growth 2007531782.821.5720.063 years Lock-in BSE 500 TRI
DSP ELSS tax saver fund2007517241.311.6317.603 years Lock-inNifty 500 TRI
JM ELSS Tax Saver Fund (G)20083224.192.37273 years Lock-in BSE 500 TRI
Bank of India ELSS Tax saver fund regular Growth200911417.05 1.9723.043 years Lock-inBSE 500 TRI
Axis ELSS Tax saver fund2009235171.951.5427.753 years Lock-inNifty 500 TRI
Motilal Oswal ELSS tax saver fund Growth201544514.531.8044.183 years Lock-inNifty 500 TRI

HDFC ELSS tax saver fund Regular Growth : 

The fund rated as 5 star by CRISIL, this rating has improved from last time, launched in 1996. The current portfolio size of Rs 17,194.6 cr with expense ratio of 1.7. The fund’s current PE is 22.39. The fund is following the benchmark of NIFTY 500TRI.

Quantum ELSS Tax Saver Fund Reg (G): 

This fund is a new entry in our discussion, was launched in 2008, Currently rated as 4 Star by CRISIL. Very small fund size of 224.18 cr. High expense ratio of 2.09. PE of the fund is 18.98. The fund is benchmarked against BSE 500 TRI. 

Quant ELSS tax saver fund : 

This fund was launched in the year 2000 , The CRISLI rated as 2 star , the fund has been losing its star rating since last year it was a 3 star rated fund. The AUM of the fund is 12,444.11 cr with expense ratio as 1.64. The fund has a high PE of 23.58. Benchmark against NIFTY 500 TRI

Mirae Asset ELSS Tax Saver Fund Reg (G): 

This is another fund which has made an entry into the discussion. The fund was launched in 2015, Currently rated 4 star by CRISIL. By size this is the 3rd largest fund in the category with AUM of Cr 27,069.09. Expense ratio of 1.54.  PE of 21.73. Benchmarked against NIFTY 500 TRI

SBI long term equity Regular Growth : 

This fund was launched in the year 2007, Currently rated as 5 star by CRISIL, the fund has maintained its rating from last discussion. The fund current is 2nd highest AUM In category Cr 31,782.82 , a great increase in the fund AUM from 27,559.31 cr, with expense ratio of 1.57. PE of the fund is 20.06. Benchmarked with BSE 500 TRI.

DSP ELSS tax saver fund:

The fund was launched in the year 2007, Currently rated 5 star by CRISIL, the rating has improved from last 4 star. Decent fund size of 17,241.31. Expense ratio of 1.63. PE of 17.60. Benchmarked against NIFTY 500 TRI.

JM ELSS Tax Saver Fund (G): 

The fund was launched in the year 2008, Currently rated as a 3 star fund , its rating has crashed from last time. It was rated 5 stars last year. The fund has a very small size of 224.19 Cr. THE current PE of 27. Benchmarked against BSE 500 TRI.

Bank of India ELSS Tax saver fund regular (G):

The fund was launched in the year 2009, rated 1 star by CRISIL, down from 3 star last year. The AUM of 1417.05 has de grown from last year of  1435.9 Cr. High expense ratio of 1.97. PE of 23.04. Benchmarked against BSE 500 TRI.

Axis ELSS Tax saver fund (G) : 

This fund has the biggest fund size in the category and was launched in 2009, currently rated 2 star by CRISIL, the rating has moved up from 1 star last year. Fund AUM is 35,171.95 cr massive increase from last year 26,533.13 cr. The expense ratio of the fund is 1.54. PE of the fund is 27.75. Benchmark against NIFTY 500 TRI.

Motilal Oswal ELSS tax saver fund (G) :

The fund was launched in 2015, Currently rated as 4 star, rating has been downgraded from 5 star last year. The AUM of the fund is 4514.53 cr. The expense ratio of the fund is 1.80. PE of the fund is 44.18. The benchmark of the fund is NIFTY 500 TRI.

Trailing Returns :

Scheme1 year2 year3 years5 years7 years10 years15 years
HDFC ELSS Tax saver Reg (G)10.8722.7421.092416.6814.5912.38
Quantum ELSS Tax Saver Fund Reg (G)3.7518.2516.3818.1713.2716.1216.12
Quant ELSS Tax Saver Fund (G)5.3616.0914.8726.0622.8620.8713.61
Mirae Asset ELSS Tax Saver Fund Reg (G)12.0919.5317.1919.1617.77––
SBI ELSS Tax Saver Fund Reg (G)7.0723.0223.2724.2218.7615.1913.6
DSP ELSS Tax Saver Fund Reg Fund (G)8.0621.8319.5421.6418.4816.3814.41
JM ELSS Tax Saver Fund (G)6.4120.7120.320.8718.4916.6113.07
Bank of India ELSS Tax Saver Fund Reg (G)0.1715.3716.9819.7219.2416.0213.11
Axis ELSS Tax Saver Fund (G)7.8616.1413.4513.313.3412.7514.36
Motilal Oswal ELSS Tax Saver Fund Reg(G)5.2224.7824.8523.5418.6317.18–

1 year trailing 

1st quartile : 9.75-13:  HDFC ELSS Tax saver Reg (G), Mirae Asset ELSS Tax Saver Fund Reg (G)

2rd quartile : 6.5- 9.75: SBI ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), Axis ELSS Tax Saver Fund (G)

3rd quartile : 3.25-6.5: Quantum ELSS Tax Saver Fund Reg (G), Quant ELSS Tax Saver Fund (G), JM ELSS Tax Saver Fund (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

4th quartile :   0-3.25 : Bank of India ELSS Tax Saver Fund Reg (G)

3 years trailing return 

1st quartile :  21.25-25%    : SBI ELSS Tax Saver Fund Reg (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

2rd quartile :  17.5-21.25% : HDFC ELSS Tax saver Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), JM ELSS Tax Saver Fund (G)

3rd quartile : 13.75-17.5% : Quantum ELSS Tax Saver Fund Reg (G), Quant ELSS Tax Saver Fund (G), Mirae Asset ELSS Tax Saver Fund Reg (G), Bank of India ELSS Tax Saver Fund Reg (G)

4th quartile :  10- 13.75% : Axis ELSS Tax Saver Fund (G)

5 years trailing returns 

1st quartile : 23.25-27%    : HDFC ELSS Tax saver Reg (G), Quant ELSS Tax Saver Fund (G), SBI ELSS Tax Saver Fund Reg (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

2rd quartile :19.5-23.25%  : Quantum ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), JM ELSS Tax Saver Fund (G)

3rd quartile : 15.75-19.5%: Mirae Asset ELSS Tax Saver Fund Reg (G), Bank of India ELSS Tax Saver Fund Reg (G)

4th quartile : 12-15.75%    :Axis ELSS Tax Saver Fund (G)

7 Years Trailing returns : 

1st quartile : 20-23% :Quant ELSS Tax Saver Fund (G)

2rd quartile :17-20 %  :Mirae Asset ELSS Tax Saver Fund Reg (G), SBI ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), JM ELSS Tax Saver Fund (G), Bank of India ELSS Tax Saver Fund Reg (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

3rd quartile : 14-17 %:HDFC ELSS Tax saver Reg (G)

4th quartile : 11- 14 %:Quantum ELSS Tax Saver Fund Reg (G), Axis ELSS Tax Saver Fund (G)

10  years trailing returns 

1st quartile   : 18.5-21%- Quant ELSS Tax Saver Fund (G)

2rd quartile   : 16-18.5%-Quantum ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), JM ELSS Tax Saver Fund (G), Bank of India ELSS Tax Saver Fund Reg (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

3rd quartile  : 13.5-16%- HDFC ELSS Tax saver Reg (G), SBI ELSS Tax Saver Fund Reg (G)

4th quartile   : 11-13.5%- Axis ELSS Tax Saver Fund (G)

Mirae Asset ELSS Tax Saver Fund Reg (G) was not launched 

15  years trailing returns 

1st quartile   : 15.25-17%     :Quantum ELSS Tax Saver Fund Reg (G) 

2rd quartile   :13.5%-15.25%:Quant ELSS Tax Saver Fund (G), SBI ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), Axis ELSS Tax Saver Fund (G)

3rd quartile  : 11.75-13.5%  : HDFC ELSS Tax saver Reg (G), JM ELSS Tax Saver Fund (G), Bank of India ELSS Tax Saver Fund Reg (G)

4th quartile   : 10-11.75%     

Mirae Asset ELSS Tax Saver Fund Reg (G) and Motilal Oswal ELSS Tax Saver Fund Reg(G) were not launched.

Rolling returns 

Return %Return Consistency (% of times)
AverageMedianMaximumReturn %MinimumLess than 0%0-8%8-12%12-15%15-20%Greater Than 20%
HDFC ELSS Tax saver Reg (G)14.1614.1738.65-11.549.0215.9917.779.9914.7332.5
Quantum ELSS Tax Saver Fund Reg (G)21.2611.0577.99-8.33.992.87.254.9415.7727.32
Quant ELSS Tax Saver Fund (G)16.7416.5652.94-16.55176.546.5510.0120.1439.76
Mirae Asset ELSS Tax Saver Fund Reg (G)17.3117.9334.91-2.750.488.556.2510.5445.6228.56
SBI ELSS Tax Saver Fund Reg (G)1515.5934.85-8.794.1523.5113.437.716.7434.47
DSP ELSS Tax Saver Fund Reg Fund (G)16.3917.4733.61-5.973.0214.210.969.8125.1136.9
JM ELSS Tax Saver Fund (G)14.5415.8632.06-9.2111.678.518.7714.1426.7130.21
Bank of India ELSS Tax Saver Fund Reg (G)15.3415.9432.65-4.964.1117.738.1516.0321.932.06
Axis ELSS Tax Saver Fund (G)16.1714.0338.240.6010.2825.2320.8718.2125.4
Motilal Oswal ELSS Tax Saver Fund Reg(G)16.1216.5632.71-5.847.647.1811.6316.621.2335.73

We have considered the rolling returns starting 2009 with a 3 years rolling period. A better would have been 5 years at least but since the lock in is 3 years people would like to get out at the time .

15% > Is the returns that we look forward to 

HDFC ELSS Tax saver Reg (G)Was able to deliver 47% of times
Quantum ELSS Tax Saver Fund Reg (G)Was able to deliver 43% of times 
Quant ELSS Tax Saver Fund (G)Was able to deliver 59% of times
Mirae Asset ELSS Tax Saver Fund Reg (G)Was able to deliver 74% of times
SBI ELSS Tax Saver Fund Reg (G)Was able to deliver 51% of times
DSP ELSS Tax Saver Fund Reg Fund (G)Was able to deliver 62% of times
JM ELSS Tax Saver Fund (G)Was able to deliver 56% of times
Bank of India ELSS Tax Saver Fund Reg (G)Was able to deliver 53% of times
Axis ELSS Tax Saver Fund (G)Was able to deliver 43% of times
Motilal Oswal ELSS Tax Saver Fund Reg(G)Was able to deliver 56% of times

12% Rolling Returns and negative returns 

HDFC ELSS Tax saver Reg (G)Was able to deliver 57% of times
Quantum ELSS Tax Saver Fund Reg (G)Was able to deliver 48% of times
Quant ELSS Tax Saver Fund (G)Was able to deliver 69% of times
Mirae Asset ELSS Tax Saver Fund Reg (G)Was able to deliver 84% of times
SBI ELSS Tax Saver Fund Reg (G)Was able to deliver 58% of times
DSP ELSS Tax Saver Fund Reg Fund (G)Was able to deliver 71% of times
JM ELSS Tax Saver Fund (G)Was able to deliver 71% of times
Bank of India ELSS Tax Saver Fund Reg (G)Was able to deliver 69% of times
Axis ELSS Tax Saver Fund (G)Was able to deliver 64% of times
Motilal Oswal ELSS Tax Saver Fund Reg(G)Was able to deliver 73% of times

Vs Benchmark 

 

Scheme1 year3 year5 Year10 Year
HDFC ELSS Tax saver Reg (G)10.8721.092414.59
Quantum ELSS Tax Saver Fund Reg (G)3.7516.3818.1716.12
Quant ELSS Tax Saver Fund (G)5.3614.8726.0620.87
Mirae Asset ELSS Tax Saver Fund Reg (G)12.0917.1919.16–
SBI ELSS Tax Saver Fund Reg (G)7.0723.2724.2215.19
DSP ELSS Tax Saver Fund Reg Fund (G)8.0619.5421.6416.38
JM ELSS Tax Saver Fund (G)6.4120.320.8716.61
Bank of India ELSS Tax Saver Fund Reg (G)0.1716.9819.7216.02
Axis ELSS Tax Saver Fund (G)7.8613.4513.312.75
Motilal Oswal ELSS Tax Saver Fund Reg(G)5.2224.8523.5417.18
NIFTY 500 TRI9.7916.0719.2715.09

1 year trailing 

1st quartile : 9.75-13:  HDFC ELSS Tax saver Reg (G), Mirae Asset ELSS Tax Saver Fund Reg (G)

SBI ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), Axis ELSS Tax Saver Fund (G),Quantum ELSS Tax Saver Fund Reg (G), Quant ELSS Tax Saver Fund (G), JM ELSS Tax Saver Fund(G), Motilal Oswal ELSS Tax Saver Fund Reg(G), Bank of India ELSS Tax Saver Fund Reg (G) could not beat the index

3 years trailing return 

1st quartile :  21.25-25%    : SBI ELSS Tax Saver Fund Reg (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

2rd quartile :  17.5-21.25% : HDFC ELSS Tax saver Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), JM ELSS Tax Saver Fund (G)

3rth quartile : 13.75-17.5% : Quantum ELSS Tax Saver Fund Reg (G), Mirae Asset ELSS Tax Saver Fund Reg (G), Bank of India ELSS Tax Saver Fund Reg (G)

Axis ELSS Tax Saver Fund (G), Quant ELSS Tax Saver Fund (G) could not beat the index.

5 years trailing returns 

1st quartile : 23.25-27%    : HDFC ELSS Tax saver Reg (G), Quant ELSS Tax Saver Fund (G), SBI ELSS Tax Saver Fund Reg (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

2rd quartile :19.5-23.25%  : Quantum ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), JM ELSS Tax Saver Fund (G)

3rth quartile : 15.75-19.5%: , Bank of India ELSS Tax Saver Fund Reg (G)

Axis ELSS Tax Saver Fund (G), Mirae Asset ELSS Tax Saver Fund Reg (G) could not beat the index

10  years trailing returns 

1st quartile   : 18.5-21%- Quant ELSS Tax Saver Fund (G)

2rd quartile   : 16-18.5%-Quantum ELSS Tax Saver Fund Reg (G), DSP ELSS Tax Saver Fund Reg Fund (G), JM ELSS Tax Saver Fund (G), Bank of India ELSS Tax Saver Fund Reg (G), Motilal Oswal ELSS Tax Saver Fund Reg(G)

3rth quartile  : 13.5-16%- , SBI ELSS Tax Saver Fund Reg (G)

Axis ELSS Tax Saver Fund (G), HDFC ELSS Tax saver Reg (G) could not beat the index 

Mirae Asset ELSS Tax Saver Fund Reg (G) was not launched 

You can book a call with us to help with financial planning and personal finance click this link and book your slot.

Risks And Reward Ratios:

Fund Name Alpha 3YAlpha 5YAlpha 10YBeta 3YBeta 5YBeta 10YStd deviation 3YStd Deviation 5YStd Deviation 10YSharpe Ratio 3YSharpe Ratio 5YSharpe Ratio 10YSortino Ratio 
HDFC ELSS Tax saver Reg (G)5.776.210.140.830.840.9611.2212.3616.91.211.50.552.01
Quantum ELSS Tax Saver Fund Reg (G)21.49-0.780.810.830.8811.1912.4515.460.861.10.491.54
Quant ELSS Tax Saver Fund (G)-1.884.925.681.161.02116.3117.2618.860.551.150.81.06
Mirae Asset ELSS Tax Saver Fund Reg (G)1.640.84–0.960.94–12.7913.69–0.841.07–1.25
SBI ELSS Tax Saver Fund Reg (G)6.615.010.430.950.910.9613.0613.6616.61.191.350.571.97
DSP ELSS Tax Saver Fund Reg Fund (G)2.952.661.280.960.96113.1214.2217.270.921.180.621.83
JM ELSS Tax Saver Fund (G)3.671.471.490.991.021142415.5117.670.921.060.621.37
Bank of India ELSS Tax Saver Fund Reg (G)-0.240.071.231.141.020.9816.2816.1217.960.640.940.590.93
Axis ELSS Tax Saver Fund (G)-1.18-5.21-1.440.881.030.9112.816.0916.580.560.620.440.97
Motilal Oswal ELSS Tax Saver Fund Reg(G)6.333.342.411.181.070.9818.83179318.440.931.070.640.99

Fund managers Longevity  : 

Fund NameFund manager nameDesignationIndustry ExperienceDuration with Current AMCDuration of managing the fundNumber of fund
HDFC ELSS Tax saver Reg (G)Roshi JainSenior Fund Manager – Equities23 years4 years4 years3
Mr. Dhruv MuchhalEquity Analyst and Fund Manager for Overseas Investments13Years +6 years 2 months2 years10
Quantum ELSS Tax Saver Fund Reg (G)Christy MathaiFund Manager9 years +9 yeas 8 months3 years2
George ThomasFund Manager9 Years +9 years 6 months4 years2
Ketan GujarathiAssociate Fund Manager11 years +11 Years 3 months1 years1
Quant ELSS Tax Saver Fund (G)Sandeep TandonCIO & Founder17 Years 11 Month17 Years 11 Month1>20
Ankit PandeFund Manager, quant MF13 years9 years6>20
Varun PattaniFund Manager at quant MF8 years 5 months4 years 6 months1>20
Ayusha KumbhatFund Manager @ quant MF2 year 8 months2 years 2 months1>20
Yug TibrewalInvestment Analyst5 years 5 months3 years 7 months1>20
Sameer KateFund manager21 years9 months9 months>20
Sanjeev SharmaFund Manager20 years9 years 1 month9 years>20
Mirae Asset ELSS Tax Saver Fund Reg (G)Mr Neelesh SuranaCIO17 years & 11 months17 years & 11 months10 Years2
SBI ELSS Tax Saver Fund Reg (G)Dinesh BalachandranHead of equity24 years +13 years & 9 months9 years5
DSP ELSS Tax Saver Fund Reg Fund (G)Mr Rohit SinghaniaCo-head Equities and fund manager26 Years20 years 3 months21 Years5
JM ELSS Tax Saver Fund (G)Mr.Deepak GuptaHead of Research & Senior Fund Manager – Equity31 years1 year1 year10
Mr. Satish RamanathanChief Investment Officer (CIO) Equity32 years5 years 11 months1 year9
Mr. Asit BhandarkarSenior Fund Manager – Equity23 Years19 years4 years10
Ms. Ruchi FozdarFund Manager – Fixed Income12 Years +2 years 7 months1 year16
Bank of India ELSS Tax Saver Fund Reg (G)Mr Alok SinghCIO25 Years +13 years 8 months4 years5
Axis ELSS Tax Saver Fund (G)Mr. Ashish NaikFund Manager18 years +16 years 4 months2 years4
Mr. Shreyash DevalkarHead Of equities23 year +9 years 1 month2 years8
Motilal Oswal ELSS Tax Saver Fund Reg(G)Mr Rakesh ShettyFund manager Fixed income20 yeasr +3 years 1 month3 years>20
Mr Ajay KhandelwalFund manager17 Years +2 years 1 months2 years15
Mr Atul MehraFund manager17 Years +12 years1 years15

 

Portfolio : 

Fund Name Strategy Top Sectors( %)Top Stock( %)Allocation( %)No of StocksPortfolio Churn( %)
HDFC ELSS Tax saver Reg (G)Blend Growth and valueFinancial : 42.41

Consumer disc : 18.09

Technology : 9.99

Healthcare : 9.41

Materials : 6.08

HDFC bank : 9.53

ICICI Bank : 8.61

Axis bank : 8.60

Maruti Suzuki : 5.18

Sbi life : 5.12

Large cap: 81.34

Mid cap : 7.63

Small cap : 5.59

Cash : 5.14

Debt : 0.3

REIT : 0

5427.22
Quantum ELSS Tax Saver Fund Reg (G)Value and qualityFinancial : 43.37

Technology : 18.63

Consumer disc : 13.17

Healthcare : 5.08

Materials : 4.93

HDFC : 8.89

ICICI bank : 6.68

TCS : 4.78

Infosys : 4.73

SBI : 4.58

Hero : 4.09

Large cap: 67.91

Mid cap :22.98

Small cap : 0

Cash : 9.11

Debt : 0

REIT : 0

3015.65
Quant ELSS Tax Saver Fund (G)Growth and QualityEnergy & utility : 28.59

Financial : 24

Industrial : 11.52

Consumer Disc : 9.58

Material : 7.13

L&T : 9.46

Reliance : 9.34

Adani Power: 7.92

Jio Fin: 7.32

Samvardhana Motherson : 6.37

LIC: 4.94 

Large cap: 86.63

Mid cap :9.41

Small cap : .70

Cash : 3.25

Debt : 0

REIT : 0

36132.14
Mirae Asset ELSS Tax Saver Fund Reg (G)Growth & QualityFinancial : 34.25

Technology : 15.50

Consumer disc : 11.37

Healthcare : 10.12

Industrial : 8.80

HDFC : 9.57

ICICI : 4.84

Axis : 4.29

Infosys : 3.93

SBI : 3.89

ITC : 3.82

Large cap: 72.16

Mid cap :22.72

Small cap : 3.56

Cash : 0

Debt : 1.56

REIT : 0

76126.98
SBI ELSS Tax Saver Fund Reg (G)Value and growth blendFinancial : 28.8

Energy & Utility : 13.4

Technology : 12.01

Materials : 11.73

Consumer disc : 9.57

HDFC bank : 8.88

Reliance : 5.27

TATA Steel : 3.57

ICICI bank : 3.14

Cipla : 2.88

ITC : 2.83

Large cap: 65.77

Mid cap :19.52

Small cap : 8.20

Cash : 6.38

Debt : 0.13

REIT : 0

7219.46
DSP ELSS Tax Saver Fund Reg Fund (G)Growth and value blendFinancial : 38.11

Technology : 14.47

Healthcare : 9.64

Energy & Utility : 9.52

Consumer disc : 9.07

Materials : 8.18

SBI : 6.52

Infosys : 6.48

HDFC : 6.39

Axis : 6.11

ICICI : 5.34

Airtel  :3.40

M&M : 3.08

Large cap: 73.47

Mid cap :22.70

Small cap : 3.08

Cash : 0.75

Debt : 0

REIT : 0

6234.22
JM ELSS Tax Saver Fund (G)Growth & QualityFinancial : 26.72

Industrial : 17.51

Technology : 14.18

Consumer disc : 13.17

Healthcare : 8.85

Materials : 7.64

HDFC : 4.33

Reliance : 3.54

L&T : 3.53

ICICI : 3.36

Maruti : 2.86

One97Com : 2.76

Large cap: 51.60

Mid cap :34.10

Small cap : 13.08

Cash : 1.22

Debt : 0

REIT : 0

5092.75
Bank of India ELSS Tax Saver Fund Reg (G)Growth and QualityFinancial : 25.46

Industrial  : 16.78

Material : 13.76

Energy & utility : 9.81

Consumer disc : 9.11

Consumer staple : 6.03

Vedanta : 4.92

SBI : 4.39

ICICI : 3.84

Hindustan aero : 3.47

Acutass Chemical  3.45

Airtel : 3.41

ITC : 3.32

Large cap: 65.49

Mid cap :15.34

Small cap : 14.18

Cash : 4.69

Debt : 0.30

REIT : 0

5372.10
Axis ELSS Tax Saver Fund (G)Growth & QualityFinancial : 29.53

Technology : 15.61

Consumer disc : 12.51

Industrial : 11.30

Healthcare : 9.07

Material  :8.47

HDFC : 7.55

ICICI : 5.88

Airtel : 4.75 

Bajaj Finance : 4.43

Infosys : 3.56

L&T : 2.64

Large cap: 84.65

Mid cap :13.57

Small cap : 0.22

Cash : 0.17

Debt : 1.39

REIT : 0

9746.29
Motilal Oswal ELSS Tax Saver Fund Reg(G)Growth, Quality & Volatility Industrial : 24.06

Consumer disc : 17.57

Financial : 17.44

Technology : 12.48

Materials : 9.49

Energy & Utility : 7.6

Eternal : 6.31

MCX : 5.31

Waree Energies : 4.43

Kaynes Tech: 4.30

Amber tech : 4.28

Prestige Estate : 4.16

Large cap: 39.07

Mid cap :55.74

Small cap : 5.02

Cash : 0.17

Debt : 0

REIT : 0

3153.33

Conclusion :

This fund category is a prime example of a behemoth fund falling from its peak. Which proves the point: just chasing the best fund may not be the best choice. Also you need an advisor who can help you find the best fund.

As always please discuss with your wealth manager or advisor the funds listed and find the best suited fund. As the funds also go through cycles as they invest into stock market and have a strategy in place.

You can book a call with us to help with financial planning and personal finance click this link and book your slot.
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Comments (13)

  1. Simran Kaur
    November 25, 2025
    Reply

    Great list — thanks for sharing the top ELSS funds for FY 2025-26. Very useful for long-term tax saving + growth.

    • admin
      November 25, 2025
      Reply

      Yes Every year i analyse ELSS which could be included in your portfolio based on various parameters, For more understanding you can reach us

  2. Manish Choudhary
    November 25, 2025
    Reply

    Nice breakdown. I like that ELSS gives both tax benefits (via 80C) and potential for equity returns.

    • admin
      November 25, 2025
      Reply

      Yes, ELSS provides a great tax saving option along with benefit of investing in equity

  3. Chaitanya Boora
    November 25, 2025
    Reply

    Good reminder about the 3-year lock-in period, that’s one advantage ELSS has over many other 80C options.

    • admin
      November 25, 2025
      Reply

      Yes out of all investment option ELSS does offer an early exit , but since you are investing in a equity linked instrument it is advised that you should not consider it for 3 years , a minimum horizon of 5 years or even more i advised while investing in a Equity based product.

  4. Brijesh Choudhary
    November 27, 2025
    Reply

    Really helpful that you highlighted funds with strong 5-year returns. According to ET, some ELSS funds are giving up to ~30% in 5-year CAGR.

    • admin
      November 27, 2025
      Reply

      This data was compiled on 15 November 2027, the CAGR returns have been shown for all 3 years/ 5 years/ 7 years/10 years trailing returns blog as on 15 November 2027

  5. Himanshu Varma
    November 27, 2025
    Reply

    Thanks for pointing out the risk. ELSS is equity-oriented, so it’s not just a fixed-income tax-saving tool.

    • admin
      November 27, 2025
      Reply

      Yes that is very important difference to understand!!!

  6. Dheeraj Gupta
    November 28, 2025
    Reply

    I appreciate the clear comparison of funds, helps decide which ELSS suits my risk appetite and tax goals.

  7. Darshdeep Singh
    November 28, 2025
    Reply

    Good call on using SIP for ELSS. Investing regularly can make it easier to stay invested and ride out market ups and downs.

  8. Aviraj Sharma
    December 1, 2025
    Reply

    Very timely post, with the new tax regime discussions, I was wondering how much ELSS still makes sense for tax-saving. This helps a lot.

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