Introduction

Equity Linked Saving Schemes are a special type of equity mutual funds which give an
investor tax deduction benefits up to Rs. 1,50,000 per year under section 80C of the
Income Tax Act. An investor can opt for either SIPs or one-time bullet investment in ELSS.
Most of the investors opt for monthly SIP rather than one time investment
Following are the traits of ELSSs :

Locked-in for three years during which it cannot be redeemed, transferred or

pledged.

Risky than other funds since invest at least 80% of the portfolio in equities.

ELSS is a very good investment tool for tax saving and wealth creation. However, one
should carefully scrutinize various ELSS schemes before making any investments. So, We
selected these schemes based on there 5 years return (XIRR) and beta.

Birla Sun Life Tax Relief '96 (G)

Fund Size

Rs. 1,908.73 Crore

Expense Ratio

2.45%

Past Return

1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

2.40%

23.56%

15.46%

SIP (XIRR)

7.79%

20.63%

20.41%

-3.94%

9.74%

7.94%

S&P BSE Sensex

Rs 2,05,229

Rs 1,00,000 Invested 5 years

back

Rs 99,697

Rs 1,000 SIP Invested 5 years

back

Note: Returns and figures were as on 30th May 2016

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
Sortino
Ratio

0.92
2.60%

AXIS Long Term Equity Fund (G)

Fund Size

Rs 6,957.75Crore

Expense Ratio

2.49%

Past Return

1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

0.51%

25.83%

20.36%

SIP (XIRR)

5.78%

21.41%

23.15%

-3.94%

9.74%

7.94%

S&P BSE Sensex

Rs. 2,52,553

Rs. 1,00,000 Invested 5 years

back

Rs 1,06,520

Rs. 1,000 SIP Invested 5 years

back

Note: Returns and figures were as on 30th May 2016

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.

Beta
Sortino
Ratio

0.86
2.86%

Reliance Tax Saver (ELSS) Fund

Fund Size

Rs. 4,278.99 Crore

Scheme Snapshot To generate

long-term capital appreciation
from a portfolio that is invested
predominantly in equity and
equity related instruments.

Expense Ratio

2.43%

Past Return

1 Year
CAGR

3 Year
CAGR

5 Year
CAGR

Fund

-7.03%

23.48%

16.42%

SIP (XIRR)

0.74%

18.12%

19.39%

S&P BSE Sensex

-3.94%

9.74%

7.94%

Rs 2,13,887

Rs 1,00,000 Invested 5 years

back

Rs 97,253

Rs 1,000 SIP Invested 5 years

back

Note: Returns and figures were as on 30th May 2016

Beta
Sortino
Ratio

1.00
1.61%

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