Ab-SIP-karo-Direct-Befikar

ELSS Mutual Funds 2025

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Decizen Rating (Understand the Method): P: Performance, Q: Quality
Compare Funds
27.02
35
15.6
28 Mar' 18
12.12
21.31
28.77
N/A
26.01
28.01
23.34
N/A
Unlock
26.20
35
15.1
28 Mar' 18
12.12
21.31
28.77
N/A
25.61
27.64
22.97
N/A
Unlock
376.70
10,513
20.6
07 Jan' 13
9.27
16.96
30.3
21.42
27.70
24.57
22.74
24.06
Unlock
32.03
4,507
23.4
24 Jul' 19
20.45
17.27
23.01
N/A
28.39
24.46
25.25
N/A
Unlock
29.96
4,507
21.9
24 Jul' 19
20.45
17.27
23.01
N/A
26.84
22.91
23.73
N/A
Unlock
30.88
35
19.6
19 Oct' 18
18.53
14.49
22.74
N/A
26.09
22.67
23.48
N/A
Unlock
25.63
66
14.5
19 Feb' 18
19.61
14.41
24.45
N/A
22.55
22.56
20.98
N/A
Unlock
24.81
66
13.9
19 Feb' 18
19.61
14.41
24.45
N/A
22.04
21.95
20.42
N/A
Unlock
50.23
25,021
19.4
28 Dec' 15
17.21
14.25
19.64
18.6
22.61
18.98
19.77
20.14
Unlock
176.72
1,441
18.2
01 Jan' 13
21.6
17.4
24.6
18.14
21.44
18.33
17.75
18.17
Unlock
143.38
16,610
18.2
31 Dec' 12
23.89
18.95
21.21
17.31
20.04
17.82
16.57
17.64
Unlock
52.24
186
17.9
01 Jan' 13
29.01
19.3
21.55
17.8
20.24
17.67
16.61
17.52
Unlock
129.66
16,610
15.2
18 Jan' 07
23.89
18.95
21.21
17.31
18.94
17.46
16.00
15.40
Unlock
152.58
1,441
18.6
25 Feb' 09
21.6
17.4
24.6
18.14
19.96
17.28
15.46
14.61
Unlock
126.40
6,219
16.3
01 Jan' 13
21.84
17.21
19.79
16.13
19.39
17.22
16.07
17.06
Unlock
46.01
186
9.5
31 Mar' 08
29.01
19.3
21.55
17.8
18.94
16.93
14.96
13.76
Unlock
182.05
8,696
16.1
01 Jan' 13
17.51
13.21
20.09
15.8
17.91
16.39
16.19
16.31
Unlock
108.47
6,219
13.2
23 Nov' 05
21.84
17.21
19.79
16.13
17.88
16.13
14.35
12.82
Unlock
37.40
778
15.5
11 Dec' 15
15.59
13.07
18.56
14.42
18.15
15.91
16.43
16.06
Unlock
47.41
4,641
16.3
13 Oct' 14
19.45
16.19
18
15.12
17.61
15.65
14.61
16.19
Unlock
948.27
13,847
15.9
01 Jan' 13
16.44
13.66
17.4
13.77
16.60
15.36
14.24
15.19
Unlock
338.50
10,513
15.2
13 Apr' 00
9.27
16.96
30.3
21.42
26.32
22.73
18.41
13.39
Unlock
29.75
35
18.9
19 Oct' 18
18.53
14.49
22.74
N/A
25.41
21.90
22.79
N/A
Unlock
162.70
6,822
17.9
01 Jan' 13
13.11
14.78
21.78
16.02
20.63
18.07
16.56
17.78
Unlock
142.37
6,822
17.9
26 Dec' 08
13.11
14.78
21.78
16.02
19.20
17.58
15.84
15.58
Unlock
44.59
25,021
17.8
28 Dec' 15
17.21
14.25
19.64
18.6
21.01
17.38
18.14
18.57
Unlock
140.68
2,960
17.6
01 Jan' 13
25.17
14.8
19.04
15.39
18.71
16.60
15.91
16.50
Unlock
26.68
32
13.8
05 Jul' 17
14.81
20.12
29.33
N/A
21.41
22.20
19.14
N/A
Unlock
25.97
32
13.4
05 Jul' 17
14.81
20.12
29.33
N/A
21.04
21.85
18.79
N/A
Unlock
24.71
397
18.6
18 Oct' 19
22.24
19.59
17.89
N/A
27.90
20.15
19.94
N/A
Unlock
27.64
41
15.9
23 Mar' 18
26.78
21.88
19.46
N/A
20.35
19.67
17.63
N/A
Unlock
27.43
38
13.7
24 Mar' 17
13.24
20.88
29.51
N/A
20.23
19.50
17.92
N/A
Unlock
26.84
38
13.4
24 Mar' 17
13.24
20.88
29.51
N/A
19.98
19.29
17.69
N/A
Unlock
26.54
41
15.3
23 Mar' 18
26.78
21.88
19.46
N/A
19.73
19.10
17.06
N/A
Unlock
27.87
367
16.1
27 Mar' 18
43.19
19.43
21.21
N/A
19.99
18.99
17.33
N/A
Unlock
26.86
367
15.5
27 Mar' 18
43.19
19.43
21.21
N/A
19.41
18.43
16.76
N/A
Unlock
22.21
397
16.2
18 Oct' 19
22.24
19.59
17.89
N/A
25.34
17.74
17.54
N/A
Unlock
31.80
82
15.1
18 Nov' 16
13.3
20.88
29.24
N/A
20.60
17.69
17.00
N/A
Unlock
41.87
40
15.6
01 Apr' 15
23.43
17.15
24.93
17.96
20.77
17.57
17.56
18.44
Unlock
30.91
82
14.7
18 Nov' 16
13.3
20.88
29.24
N/A
20.28
17.43
16.73
N/A
Unlock
40.38
40
15.2
01 Apr' 15
23.43
17.15
24.93
17.96
20.34
17.09
17.07
18.00
Unlock
22.30
55
14.2
25 Jan' 19
16.77
14.09
15.4
N/A
19.17
16.84
18.08
N/A
Unlock
54.16
4,415
18.3
21 Jan' 15
47.74
27.26
24.24
19.45
21.63
16.70
15.41
19.43
Unlock
90.07
35,954
15.7
29 Dec' 09
17.44
8.03
13.6
13.17
15.76
16.23
16.47
15.99
Unlock
119.56
2,960
14.7
29 Dec' 06
25.17
14.8
19.04
15.39
17.05
15.98
15.18
15.22
Unlock
473.94
1,346
15.9
31 Mar' 96
15.77
14.56
18.74
14.83
16.45
15.97
14.71
13.04
Unlock
505.46
1,346
15.8
01 Jan' 13
15.77
14.56
18.74
14.83
17.07
15.76
14.44
15.58
Unlock
163.77
8,696
18.8
02 Feb' 09
17.51
13.21
20.09
15.8
16.80
15.75
14.70
14.40
Unlock
101.38
35,954
17.2
01 Jan' 13
17.44
8.03
13.6
13.17
16.88
15.75
15.47
15.63
Unlock
30.68
919
14.5
18 Oct' 16
12.27
12.93
18.04
N/A
17.08
15.67
15.82
N/A
Unlock
1542.89
6,855
16.5
01 Jan' 13
22.45
19.19
20.51
14.95
18.29
15.64
13.86
15.33
Unlock
1388.83
6,855
21
10 Apr' 99
22.45
19.19
20.51
14.95
17.22
15.52
14.10
14.26
Unlock
413.13
27,791
16.4
31 Mar' 93
27.74
24.12
24.4
16.18
17.89
15.48
13.68
12.73
Unlock
445.16
27,791
16.9
01 Jan' 13
27.74
24.12
24.4
16.18
18.64
15.44
13.81
15.10
Unlock
856.77
13,847
19.1
19 Aug' 99
16.44
13.66
17.4
13.77
15.60
15.26
14.15
14.24
Unlock
47.53
4,415
16.8
21 Jan' 15
47.74
27.26
24.24
19.45
20.04
15.19
13.91
17.87
Unlock
20.98
50
11
28 Dec' 17
18.25
15.1
14.94
N/A
15.62
15.11
13.71
N/A
Unlock
98.20
261
15.6
01 Jan' 13
32.88
18.6
20.03
15.27
16.99
14.77
13.37
14.58
Unlock
20.01
55
12.2
25 Jan' 19
16.77
14.09
15.4
N/A
17.05
14.76
15.97
N/A
Unlock
135.90
4,313
15.6
01 Jan' 13
33
18.3
19.6
15.37
17.28
14.64
13.32
14.46
Unlock
100.20
951
15.8
02 Jan' 13
23.58
16.68
18.25
13.74
16.85
14.55
13.78
14.43
Unlock
89.40
951
12.2
05 Jan' 06
23.58
16.68
18.25
13.74
15.63
14.54
13.99
12.78
Unlock
87.79
261
12.8
05 Jan' 07
32.88
18.6
20.03
15.27
15.88
14.47
13.32
13.12
Unlock
125.14
4,313
14.3
27 Feb' 06
33
18.3
19.6
15.37
16.45
14.46
13.20
13.63
Unlock
1392.23
15,729
15.5
31 Dec' 12
21.32
21.31
20.63
15.01
16.71
14.45
12.53
14.08
Unlock
121.47
398
15.3
21 Jan' 13
19.98
14.97
17.63
13.17
16.66
14.44
13.34
14.27
Unlock
1292.95
15,729
23.3
31 Mar' 96
21.32
21.31
20.63
15.01
16.00
14.35
12.30
12.50
Unlock
215.51
3,805
14.4
02 Jan' 13
13.92
10.96
16.93
13.4
15.95
14.35
13.65
14.25
Unlock
192.24
80
14.2
01 Jan' 13
21.46
18.56
17.87
14.89
16.14
14.28
13.52
14.19
Unlock
32.91
778
13.9
11 Dec' 15
15.59
13.07
18.56
14.42
16.49
14.24
14.76
14.45
Unlock
41.63
4,641
14.8
13 Oct' 14
19.45
16.19
18
15.12
16.16
14.20
13.13
14.76
Unlock
165.73
1,150
15.2
01 Jan' 13
22.63
15.07
15.94
14.13
16.06
14.19
13.48
14.11
Unlock
117.39
15,199
13.6
21 Sep' 05
17.64
17.39
17.25
11.74
15.27
14.19
12.73
13.49
Unlock
54.63
15,343
10.6
10 Mar' 08
16.38
10.9
12.11
11.24
14.17
14.03
13.42
13.83
Unlock
54.63
15,343
10.6
10 Mar' 08
16.38
10.9
12.11
11.24
14.17
14.03
13.42
13.83
Unlock
103.48
398
15.6
30 Dec' 08
19.98
14.97
17.63
13.17
15.10
13.85
12.76
12.59
Unlock
193.42
3,805
12
01 Aug' 05
13.92
10.96
16.93
13.4
14.85
13.82
12.65
11.51
Unlock
145.97
1,150
10.4
31 Mar' 98
22.63
15.07
15.94
14.13
14.83
13.75
12.48
11.03
Unlock
64.56
923
14.1
01 Jan' 13
16.86
14.46
19.9
13.93
15.47
13.73
13.00
13.54
Unlock
60.77
15,343
14.4
01 Jan' 13
16.38
10.9
12.11
11.24
15.19
13.72
12.89
13.55
Unlock
176.87
80
12.1
31 Mar' 96
21.46
18.56
17.87
14.89
15.28
13.68
12.29
12.37
Unlock
125.41
213
17
23 Dec' 08
22.6
19
19.1
14.12
15.25
13.67
12.52
12.87
Unlock
59.70
923
14.6
23 Dec' 11
16.86
14.46
19.9
13.93
14.65
13.66
12.50
13.04
Unlock
128.44
15,199
14.6
01 Jan' 13
17.64
17.39
17.25
11.74
16.16
13.66
10.87
13.06
Unlock
26.34
919
12.4
18 Oct' 16
12.27
12.93
18.04
N/A
14.99
13.65
13.80
N/A
Unlock
206.24
1,529
14.9
02 May' 05
12.02
12.85
15.73
12.62
14.55
13.61
12.19
12.11
Unlock
217.96
1,529
13.2
02 Jan' 13
12.02
12.85
15.73
12.62
15.10
13.55
11.95
13.31
Unlock
120.26
213
16.5
23 Dec' 08
22.6
19
19.1
14.12
14.73
13.25
12.14
12.52
Unlock
217.05
2,900
17
28 Mar' 03
11.31
10.91
14.59
12.69
13.83
13.07
12.03
11.61
Unlock
32.40
61
13.8
30 Dec' 15
11.75
10.78
13.81
12.24
16.03
13.06
13.26
14.20
Unlock
18.63
50
9.2
28 Dec' 17
18.25
15.1
14.94
N/A
13.56
12.91
11.64
N/A
Unlock
27.57
61
11.8
30 Dec' 15
11.75
10.78
13.81
12.24
13.98
11.05
11.25
12.18
Unlock
13.80
75
18.7
20 Mar' 23
8.69
N/A
N/A
N/A
22.59
N/A
N/A
N/A
Unlock
14.07
75
19.9
20 Mar' 23
8.69
N/A
N/A
N/A
24.01
N/A
N/A
N/A
Unlock
13.09
75
13.5
28 Dec' 22
9.49
N/A
N/A
N/A
23.60
N/A
N/A
N/A
Unlock
13.16
75
13.9
28 Dec' 22
9.49
N/A
N/A
N/A
23.92
N/A
N/A
N/A
Unlock
14.21
258
23.9
16 Jun' 23
13.85
N/A
N/A
N/A
35.18
N/A
N/A
N/A
Unlock
13.80
258
21.7
16 Jun' 23
13.85
N/A
N/A
N/A
32.77
N/A
N/A
N/A
Unlock
12.31
123
10.3
22 Dec' 22
8.73
N/A
N/A
N/A
25.29
N/A
N/A
N/A
Unlock
12.69
123
11.9
22 Dec' 22
8.73
N/A
N/A
N/A
27.15
N/A
N/A
N/A
Unlock
*Based on the Fund's Ranking within its Category
Prev 1


FAQ's
SIP refers to periodic investment in an MF. In this option, you commit to invest a pre-decided amount, at regular intervals, and you get allotted Units based on an MF’s NAV. E.g. Suppose you do an SIP of Rs. 1,000. If, for the 1st month its NAV is Rs. 15, you get 66.67 units. For the 2nd, the NAV is Rs. 25, so you get 40 units. For the 3rd, the NAV is Rs. 20, you get 50 units. At the end of 3 months, you have invested Rs. 3,000 and received 156.67 units at an average NAV of Rs. 19.2.
A Direct Plan means you investing directly thru' an AMC/MF website. As there is no Distributor involved, returns generated by this plan will be higher by the percentage fees paid to a Distributor. We, at MoneyWorks4me, encourage investors to invest in Direct Plans.
Regular Plan is when you invest in an MF scheme through a Distributor or Broker. This means you will end up paying some fees to the Distributor. The fees are directly paid by the AMC to a Distributor. For you as an investor, it is reflected in the lower NAV values, and higher Expense Ratio than a Direct Plan
It is the Fund House or the company responsible for managing investors’ money, and in turn, all the MF schemes.
The money collected by an MF Scheme is invested across asset classes like stocks, debt Funds, gold and cash. The market value of these investments at any given time minus the MF’s liabilities is known as the Fund’s AUM. (E.g. If a Fund’s value of investments is Rs. 100 Cr and liabilities Rs 5 Cr., then AUM is Rs. 95 Cr.) Though, a large AUM denotes a Fund’s popularity and success, it also means restrictions on investing (Fund will have to invest mainly in large companies) and difficulty in replicating past high return performance.
It is the price per unit of the MF scheme. On any given day, NAV is the price at which any investor invests in an MF scheme. NAV = [the market value of all the securities held by the scheme minus its liabilities] ÷ the number of units. Since, market value of securities changes every day, NAV of a scheme also changes every day. Similar to a stock price, a high or low NAV does not affect our investment decision.
A Benchmark is a popular index like the SENSEX, NIFTY or BSE 100, against which a Fund’s performance is gauged. A Fund is supposed to choose a Benchmark based upon the market-section it invests in. E.g. a Mid-Cap Fund may use NSE Midcap Index as its Benchmark. It makes sense to invest in an MF, only if it has consistently beaten its Benchmark performance over a 3-5 year period.
The Expense Ratio is the fee charged by a Mutual Fund for managing its investors’ money. It is shown as a percentage of the Assets Under Management (AUM). E.g. if you invest Rs. 10,000 in a Fund with an Expense Ratio of 1.5%, then you are paying the Fund Rs. 150 to manage your money. As a general rule, you are told to avoid Funds with high Expense Ratio. However, it can also turn to be a good investment, if it consistently generates excess returns (Alpha) over its Expense Ratio.
Load is the fees charged for buying (i.e. Entry load) and selling (i.e. Exit load) MF units. SEBI has scrapped the Entry load wef August 1, 2009. Some Funds may charge Investors an Exit load only on early exit (e.g. within a year of investment) to encourage long-term investment behaviour.
Rolling Returns consider performance on every day or week (or any specified frequency) of a defined period, and hence, tell you how you would have fared regardless of when you chose to invest. E.g. A monthly five-year Rolling Return is return from 1-Jan-2013 to 1-Jan-2018, 1-Feb-2013 to 1Feb-2018, subsequently for all months. For 3-yr or 2-yr rolling, the year changes respectively. We advise our users to look at Rolling Alpha, because it allows you to evaluate the consistency of a Fund’s performance over time - including the ups and downs of market cycles.
Choosing growth option means you will not receive extra units for Dividend declared by the Fund. Instead, the amount will stay invested in the Fund, thereby compounding your returns. Choose this option, if you prefer capital appreciation over regular income from your investment.
An Open-ended Fund or Scheme is one that is available for subscription and re-purchase on a continuous basis. These schemes do not have a fixed maturity period. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis. The key feature of open-end schemes is liquidity. The opposite is closed ended where the fund cannot be sold very easily.
Every fund is assessed on the following:
  1. Consistent Outperformers : Track record of having generated returns above a benchmark on a 3-year rolling basis. Consistent performers are Green, followed by Orange. Red have an inconsistent track record on outperforming the index.
  2. The average 3-year rolling returns number appears in the first button.
  3. Quality of Portfolio is assessed based on the quality of each stock held. Predominantly high quality stocks get a Green second button, followed by Orange and Red (large amount of risky stocks).
  4. Upside Potential: Every fund is assessed on what returns it could deliver in the next 5 years based on it.
Select the fund that is Green on Performance which shows it has consistently outperformed the index. Select one with a high average 3-year rolling returns - the number in the first button. And select one with a Green rating on Quality-the second button.
Use the Funds Screener and select the category. It shows the funds with Green on Performance and Quality right on the top. The ones with the higher average 3-year rolling returns are ranked the highest. Funds with less than 5 years returns history are colored Grey on Performance. Since the track record is not for an adequately long period they feature lower in the list.
Build a well-diversified portfolio with funds that assures you of a stable growth through market and economic cycles and funds that enhance your portfolio returns over the long run.
  1. Core Funds: Choose from Large cap, Large and Mid cap and Flexicap funds.
  2. Booster Funds
    1. Choose from Mid and Small cap funds.
    2. Select a Sector or Thematic Fund that is likely to outperform in the long term.
Use the Fund Portfolio Analyzer, Sher-ya-Billi to check if your portfolio will deliver healthy returns or disappoint you. Go to Fund Portfolio Analyzer. You can also upload details of your funds in the Portfolio Manager and see the report on this page.
When adding a new fund check how different is the fund compared to your portfolio by using the link in the Right allocation box on the Fund Decision Maker.
Most investors have more, many more funds that they should-over diversified. This tends to reduce returns. Many investors have more of the same i.e. they have funds that have very similar portfolios and hence the fund portfolio is not well-diversified. Either there are too many large cap dominated funds or far too many mid and small cap funds. What you require is a good, balanced mix. Finally investors don't know when to exit a fund and end up carrying it even though the future upside potential is very low.
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