What is ELSS?

Which are top ELSS

funds ?

Features of ELSS

Asset Class

Twin
Benefits

Mutual Fund Investing more than 65% of its corpus in

Equities and equity related products
Tax saving u/s 80C upto investment of Rs 2 Lacs
Wealth creation

Choice of
Investing

Growth - Profits added back to the basic Value of investment

Dividend - Profits paid out to investor

Misc.
Features

Minimum Investment amount is Rs 5,000

Lock-in Period of 3 years

Benefits of investing in ELSS

Deduction
u/s 80C upto
Rs 1.5 Lacs

Returns are
Tax Free

Tax Saving

Higher
Returns of
Stock
Market

Long Term
Investing
Approach

Wealth
Creation

Return of ELSS- Comparison

350

Rs. 100 Invested, Since October 2009

300

Rs 294

250
200

Rs 168

150

Rs 160

100
50

PPF

Return calculated as on 30 April 2015

Source- AdviseSure.com Research

Reliance Tax Saver (ELSS)

BSE 100

Apr-15

Jan-15

Oct-14

Jul-14

Apr-14

Jan-14

Oct-13

Jul-13

Apr-13

Jan-13

Oct-12

Jul-12

Apr-12

Jan-12

Oct-11

Jul-11

Apr-11

Jan-11

Oct-10

Jul-10

Apr-10

Jan-10

Oct-09

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5 Critical Things to Look before Investing in ELSS

1

Historical performance- We need to assess the historical performance / track record of the
scheme to ascertain its future returns

Credit Rating- ELSS schemes are rated by rating agencies on the basis of the risk and return
factors associated with a particular scheme. It is recommended to opt for schemes with high
ratings

Fund size- Consider the fund size i.e. the asset under management (AUM) before finalizing
your scheme. Schemes with more than Rs.75-100cr AUM
confidence

indicate considerate investor

Transaction costs - Transaction cost and asset management fees of a scheme should be
compared with other schemes

Risk associated- Also keep in mind the element of risk, depending on the sectors (equity
stocks) in which the scheme is investing. Look out for ratios like Sharpe ratio, Sortino ratio etc to
ascertain risk adjusted performance

Know

5 Top ELSS Funds

AXIS Long Term Equity Fund (G)

Fund Size

Rs 5129.7 Crore

Expense Ratio

2.46%
1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

14.1%

30.9%

19.6%

SIP

4%

32.3%

26.6%

-5.1%

12.8%

6.4%

Past Return

S&P BSE Sensex

Scheme Snapshot To generate

income
and
long-term
capital
appreciation from a diversified
portfolio of predominantly equity and
equity related Securities. However,
there can be no assurance that the
investment objective of the Scheme
will be achieved.

Rs. 2,44,920

Rs 1,14,477

Rs. 1,00,000 Invested 5 years

back

Rs. 1,000 SIP Invested 5 years

back

Beta

0.85

Sortino
Ratio

0.18

Birla Sun Life Tax Relief '96 (G)

Fund Size

Rs. 1964.6 Crore

Expense Ratio

2.36%
1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

16.9%

26.2%

11.4%

SIP

3.2%

27.6%

21.2%

-5.1%

12.8%

6.4%

Past Return

S&P BSE Sensex

Rs 1,71,440

Rs 1,00,787

Rs 1,00,000 Invested 5 years

back

Rs 1,000 SIP Invested 5 years

back

Scheme Snapshot Long term growth,

through a portfolio with a target
allocation of 80% equity, 20% debt and
money market securities. An Equity
Linked Saving Scheme (ELSS) under
Section 88 of the Income Tax Act.

Beta

0.91

Sortino
Ratio

0.16

BNP Paribas Long Term Equity Fund (G)

Fund Size

Rs. 391.28 Crore

Expense Ratio

2.61%
1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

9.8%

24.1%

14.4%

SIP

-1.9%

24.3%

20.8%

-5.1%

12.8%

6.4%

Past Return

S&P BSE Sensex

Rs 1,96,497

Rs 99,741

Rs 1,00,000 Invested 5 years

back

Rs 1,000 SIP Invested 5 years

back

Scheme Snapshot To generate longterm capital growth from a diversified

and actively managed portfolio of
equity and equity related securities
along with income tax rebate, as may
be prevalent from time to time.

Beta

0.86

Sortino
Ratio

0.14

IDFC Tax Advantage (ELSS) Fund (G)

Fund Size

Rs. 345.8 Crore

Expense Ratio

2.88%
1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

10.7%

24.3%

13.2%

SIP

-0.9%

24%

20.1%

-5.1%

12.8%

6.4%

Past Return

S&P BSE Sensex

Rs 1,85,917

Rs 98,255

Rs 1,00,000 Invested 5 years

back

Rs 1,000 SIP Invested 5 years

back

Scheme Snapshot To generate

long-term capital growth from
a diversified portfolio of
predominantly equity and
equity related securities.

Beta

0.83

Sortino
Ratio

0.17

Reliance Tax Saver (ELSS) Fund - (G)

Fund Size

Rs. 1964.6 Crore

Expense Ratio

Scheme Snapshot To generate longterm capital appreciation from a

portfolio
that
is
invested
predominantly in equity and equity
related instruments.

2.45%
1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

-0.9%

25.8%

13.6%

SIP

-14.8%

26.9%

21.9%

-5.1%

12.8%

6.4%

Past Return

S&P BSE Sensex

Rs 1,89,142

Rs 1,02,430

Rs 1,00,000 Invested 5 years

back

Rs 1,000 SIP Invested 5 years

back

Beta
Sortino
Ratio

1
0.10

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